No Debt, No Credit, No Problems

Debt free people: Have no fear. You can prove you are creditworthy without a FICO score with eCredable.

Steve Ely joins us to share how the credit scoring landscape is changing.

Not only are more lenders leaving the traditional credit score algorithm behind but they are finding more consumers are creditworthy without it!

eCredable is a service that works WITH consumers to build their credit reports.

Once a history for things like rent, electric bills or paying car insurance has been established, eCredable comes in to provide a prospective lender, landlord, or mobile phone company a full and accurate credit
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When I say “No Debt, No Credit, No Problems”, what do you think about?
NO DEBT – YEAH! I could go for that.
NO CREDIT – Whaaaaaaa? You gotta have credit!
NO PROBLEMS – Wait, what kind of riddle is this?
Well, the times – they are a-changin’. You do NOT need to focus on your credit to be successful or to even qualify for a mortgage.
In fact, the traditional creditworthiness measures are under fire because enough people are finally coming to the realization that the Emperor Has No Clothes!
Some of them are abandoning the one-sided measurement of debt system developed by FICO, which has been around for at least three decades.
Today, we talk about a broken piece of the financial system and what one company is doing to bring fairness to the marketplace.

Click here to view the detailed Shownotes atSteveStewart.Me!
 

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If you could design a budget program for yourself, what would it need?

* The flexibility to adjust with variable spending or an irregular income
* Force me to save for emergencies, home improvements, and a new car
* Automatically insert transaction information automatically based on the store I was in
* Eliminate the need to spend 30 minutes balancing my checking account every month

Wait a minute! What did that last one have to do with budgeting?

Well, it does now – and the NEW version of the You Need A Budget program might just sway you away from your old excel spreadsheet as it did me.

Today we speak with Jesse Mecham, founder and creator of YouNeedABudget.

You’ve never budgeted like this…
Click here to view the detailed Shownotes atSteveStewart.Me!
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Many of us fear being unprepared for retirement – and that’s because we don’t have our number.

What is “our number”? My guest today is Chris Hogan, financial ROCK STAR and Dave Ramsey personality, shares how to find your number by taking the RIQ: Retire Inspired Quotient

Connect with Chris on Twitter, Instagram, or his website: Retire Inspired: It’s Not An Age, It’s A Financial Number,
Click here to view the detailed Shownotes atSteveStewart.Me!
 

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Recent studies that have linked credit scores to one’s ability to drive and to the chances of having a heart attack.

The Today show featured a study that showed credit scores can predict if a relationship will last.

Can this be true?

My guest, Professional Counselor Brian Lindner from MakeSomeWonderful.com, answers this question and gives great tips for improving relationships – even if credit scores predict a break-up.
Click here to view the detailed Shownotes at SteveStewart.Me!
 

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Do you think it is possible that you could adjust your lifestyle enough to save 50% of what you made?

What if I told you that you could do it and NOT live in a van by the river?

It sounds crazy, impossible, OUTLANDISH – but there people doing this and they aren’t members of the 1%.

Today’s guest, Joe Saul-Sehy from StackingBenjamins.com, shares

Top 5 ways to save money

#5: Hide money from yourself
#4: Meal plan
#3: Know your worth and ask for a raise
#2: Earn money on the side
#1: Examine the big expenses and cut-cut-move

Now that you know some ways to save big money in 2016, why not put it to practice?

Joe’s has a course called Save50 that can help you spend less and earn more.
Click here to view the detailed Shownotes atSteveStewart.Me!
 

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What image comes to mind when I say the word “retirement”?

Drinks with umbrellas and sandy beaches?
Do you think of Captain Stubing and cruise ships?
Tee times (if you are a man) or Tea Times (if a woman)?

There is no wrong answer here - except maybe all of them - because you don’t really know what retirement will be like until you get there.

Will you have enough? How much is enough? Does the word “retirement” really mean what we think it does?

Today’s guest will give us the “4 Myths that can ruin your retirement” to help ensure you are mentally prepared to retire YOUR way.

We also Talk Taxes with Andy Magnus: Why do we have to file a tax return? He explains there are benefits through tax deductions and, of course, that it’s the law.

Rich people figured out that the words we use every day create perceptions. The more words you know, the better your ability to communicate and greater is the perception of your intelligence. Tom Corley, author of Rich Habits, learned five new words a day and instantly impressed a girl at a rathskeller. I’ll share his story and show how we can all improve our vocabulary - and have fun while doing it!
Click here to view the detailed Shownotes at SteveStewart.Me!
 

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What do you think of when I say “Rich”?

Are you thinking of your friend Richard? Maybe your mind wandered to the image of sticking your finger into a container of thick, creamy chocolate icing?

Chances are, since you are listening to a show about personal finances, you are thinking about money. LOTS of money.

So let me ask you another question: If you could talk to a millionaire for 5 minutes, what would you ask?

What is the next hot stock?
Where should I invest my money?
Would you ask them about their Rich Habits?

Today’s guest studied over 200 self-made millionaires for 4 years and learned a lot. He also interviewed 128 poor people and discovered that wealth isn’t necessarily something you are born with and you didn’t have to scam people out of their money.

Tom’s most surprising statistic:

88% of the rich read self-education or career/business material a day.

Compare that to the poor: Many of them said they read but only 2% read self-help or self-education type materials. Overall, 79% of the poor who read said they do it strictly for entertainment.

Not only do self-made millionaires read, they listen to more audiobooks and podcasts. This is mobile learning and multi-tasking.
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Today we introduce tax expert, Andy Magnus. Andy is an ex-IRS Agent and trained other IRS agents before moving on to better things as a CPA.

Andy is going to use his incredible talent of explaining complex topics while bringing a bit of humor to the table as well.

Andy explains the training and qualifications it takes to become an Enrolled Agent with the IRS and how little it takes to become a tax preparer in our country.

While Andy is not an Enrolled Agent - nor does he play one on TV - he did marry one, so he has the inside scoop on both sides of the fence!2017

Here are just a couple of the random questions I asked Andy:

• If you were President, what would you do about the tax code
• What is your favorite thing about income taxes
• How can a CPA “tweaking” the numbers change an underpayment into a refund legally

Disclaimer: This information is general in nature and may not apply to your specific situation. Because the tax law is written in words, there may be more than one interpretation of any given set of facts. Contact a qualified tax professional before taking any action.

You can find more information about Andy Magnus at www.ProActiveTaxPros.com
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Can we be honest here? You are listening to a show about personal finances. Why? I can promise you it isn’t because of the humor or my good looks. You are here because you want to do this “money thing” better – and I’m right there with you! I want you to learn what it has taken me a decade to realize: That you can live with “No Debt, No Credit, and No Problems”.
Are you ready to get started? C’mon. Take my hand. Let’s go. I have been an Ambassador of Personal Finance for many years. My history takes us back to 2007 when I first started coaching people. The teachings of Dave Ramsey, a popular radio host who teaches personal finance, had been ringing in my head for a few years. I had spent a lot of time learning, researching, and scrutinizing certain facets of the world of Personal Finance. I also found much of what the average American needs to know about money is in the Bible.

Being a born-again Christian for most of my life, it was important for me to take lessons learned from Jesus’s parables and the scriptures to sculpt a life more in line with my faith. There was a conflict between good, honest, common sense financial principles and what I would hear from experts on TV and the pre-approved credit card offers I received in my mailbox every day.
Click here to view the detailed Shownotes at SteveStewart.Me!
 

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