There are 3 definitions for “saving money”: Put money into an account, get a discount, or avoid the purchase completely. Simple, Swagbucks and Trim are free services to help you with each one of these.

For more, visit http://SteveStewart.me12

A story was picked up by the news and circulated with great fanfare: Man arrested for not paying student loans. This, of course, was not accurate. The man had failed to appear in court after being pursued by the government for nearly a decade.

No, Virginia, there is no debtor’s prison for failure to pay student loans. However, my guest Jay Fleischman gives us 5 Reasons We Should Never Default on Student Loans – and they are equally as scary.

I also get our ex-IRS Agent, Andy Magnus, to tell us where to look for income tax credits, deductions, and write-offs when paying for higher education.

In our Habits of the Rich segment I share tons of data and give you Tom Corley’s 30 Days To Reinventing Your Life strategy. Grab a pencil and sheet of paper. Let’s get started!

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Connect with the Steve Stewart & The Guest from This Episode:

— Steve Stewart on Facebook, Twitter, LinkedIn & On the Web  — Contact Steve with Your Thoughts Now!

— Connect with Jay Fleischman on Twitter, LinkedIn & On the Web

Links from this Episode:

— Jay Fleischman’s podcast about Student Loans, specifically covering the Houston man that was arrested.

— Tom Corley’s article and his free Goals Report

— Steve Stewart’s Website Online – Coaching, Budgeting Course & More!

— The 2GuysTalkingPodcast Network – Thousands of Hours of Perspective, Education &Entertainment

— A Link to The No Debt, No Credit, No Problems RSS Feed – Get My Show Instantly!

— A Link to No Debt, No Credit, No Problems on iTunes and Stitcher– Give Us a Rating and Share!

Advertisements included in this episode:

— Improve your finances by working with Steve Stewart. Contact him now!

— Captain America Perspective Review – 2GuysTalk...

A story was picked up by the news and circulated with great fanfare: Man arrested for not paying student loans. This, of course, was not accurate. The man had failed to appear in court after being pursued by the government for nearly a decade.

No, Virginia, there is no debtor’s prison for failure to pay student loans. However, my guest Jay Fleischman gives us 5 Reasons We Should Never Default on Student Loans - and they are equally as scary.

eCredable is Changing the Credit Score Landscape Debt-free people: Have no fear. You can prove you are credit

worthy without a FICO score. 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 credit

worthy 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 rating. You see, a traditional

credit score evaluates you on the following:

— How much you borrow – even if you pay off a credit card every month

— How much credit you have left

— How long you have been borrowing money

— How often you miss a payment or are late

What it does not include are non-debt payments like insurance, utilities, or even rent – the things almost everyone

has! In other words: You no longer need to borrow money to prove you are good for a rental, cell phone, or even a

mortgage. You can get a free account with eCredable. You will only pay when you want to

prove you are credit worthy (average total cost between $90 – $120) Also, our ex-IRS Agent tells us our

personality style dictates how/when we take deductions. Finally, Tom Corley’s Rich Habits Test for Parents.

I scored a 14. Can you beat that?

Subscribe via iTunes! | Subscribe via RSS Feed |   Visit on Facebook

 

Connect with the Steve Stewart & The Guest from This Episode:

— Steve Stewart on Facebook, Twitter, LinkedIn & On the Web  — Contact Steve with Your Thoughts Now!

— Connect with eCredable from SoFi on Twitter & On the Web

Links from this Episode:

— Steve Stewart’s Website Online – Coaching, Budgeting Course & More!

— The 2GuysTalkingPodcast Network – Thousands of Hours of Perspective, Education &Entertainment

— A Link to The No Debt, No Credit, No Problems RSS Feed – Get My Show Instantly!

— A Link to No Debt, No Credit, No Problems on iTunes and Stitcher–

Changing the Credit Score Landscape with Steve Ely from eCredable - eCredable is Changing the Credit Score Landscape Debt-free people: Have no fear. You can prove you are credit worthy without a FICO score. Steve Ely joins us to share how the credit scoring landscape is changing. Not onlyare more lenders leaving the traditional credit score algorithm behind but they are finding more consumers are credit worthy without it! eCredable is a service that works WITH consumers to build their credit reports.

The times – they are a-changin’. You do NOT need to focus on your credit to be successful or even to scrape by. In fact, traditional credit worthiness measures are under fire because enough people are finally coming to the realization that the Emperor Has No Clothes.

And some of them are abandoning the one-sided measurement of debt system developed by FICO, which has been around for at least 3 decades!

Today, we talk about a broken piece of the financial system and what one company is doing to bring fairness to the marketplace.

Dan Macklin, Co-Founder of SoFi, joins us in the NO FICO Zone

Also, our former IRS Agent-turned-CPA, Andy Magnus, talks about how the three levels of government try to get along when it comes to tax policy.

And Tom Corley shows us how the rich are lucky.

Subscribe via iTunes! | Subscribe via RSS Feed |   Visit on Facebook

 

Connect with the Steve Stewart & The Guest from This Episode:

— Steve Stewart on Facebook, Twitter, LinkedIn & On the Web  — Contact Steve with Your Thoughts Now!

— Connect with Dan Macklin from SoFi on Twitter, Facebook, & On the Web

Links from this Episode:

— Steve Stewart’s Website Online – Coaching, Budgeting Course & More!

— The 2GuysTalkingPodcast Network – Thousands of Hours of Perspective, Education &Entertainment

— A Link to The No Debt, No Credit, No Problems RSS Feed – Get My Show Instantly!

— A Link to No Debt, No Credit, No Problems on iTunes and Stitcher– Give Us a Rating and Share!

Advertisements included in this episode:

— Make sure you prioritize your life. Take Steve’s Virtual Budget Coaching Course!

— How Amazing is Your Pet? Check Out AmazingPetExpos.Com Now for Great Pet Expos!

— 2GuysTalking Cars — The Best in Vehicles in Television & Movie History!

Calls to the Audience:

— What have you done to find luck? Tell us now and we’ll use your ...

SoFi joins us in the No FICO Zone - The times - they are a-changin’. You do NOT need to focus on your credit to be successful or even to scrape by. In fact, traditional credit worthiness measures are under fire because enough people are finally coming to the realization that the Emperor Has No Clothes.

And some of them are abandoning the one-sided measurement of debt system developed by FICO, which has been around for at least 3 decades!

Today, we talk about a broken piece of the financial system and what one company is doing to bring fairness to the marketplace.

Dan Macklin, Co-Founder of SoFi, joins us in the NO FICO Zone

Also, our former IRS Agent-turned-CPA, Andy Magnus, talks about how the three levels of government try to get along when it comes to tax policy.

And Tom Corley shows us how the rich are lucky.

Today we get to talk with Jesse Mecham, founder of the beloved budgeting software program called You Need A Budget (aka YNAB).

YNAB is one of the most popular budgeting programs on the planet. It has a beautiful interface, is easy to use,and forces us to save money for those unexpected expenses in the near future – and people love it!

Jesse explains what the big changes are since releasing NEW YNAB, a web-based version of the program that includes all the beloved features of YNAB4 (the previous desktop &app version) but also does this neat little trick that I can’t wait to try out.

Listen to the interview to find out more -and to hear Jesse’s answers from people who want to hold on to their old versions of YNAB.

Also included in this episode:

Ex-IRS Agent, Andy Magnus, explains the benefits of taking a Standard Deduction over an Itemized Deduction(and visa-versa)

We honor Tom Corley’s mother, Olive, with“8 Good Habits Learned I Learned from my Mom”

Subscribe via iTunes! | Subscribe via RSS Feed |   Visit on Facebook

 

Connect with the Steve Stewart & The Guest from This Episode:

— Steve Stewart on Facebook, Twitter, LinkedIn & On the Web  — Contact Steve with Your Thoughts Now!

— Connect with Jesse Mecham & YNAB on Twitter, Facebook, & On the Web

Links from this Episode:

— Steve Stewart’s Website Online – Coaching, Budgeting Course & More!

— The 2GuysTalkingPodcast Network – Thousands of Hours of Perspective, Education &Entertainment

— A Link to The No Debt, No Credit, No Problems RSS Feed – Get My Show Instantly!

— A Link to No Debt, No Credit, No Problems on iTunes and Stitcher– Give Us a Rating and Share!

Advertisements included in this episode:

— You have access to America’s Personal Finance Architect — Find out more about coaching from Steve Stewart

— X-Men Perspective Reviews — Superior Reviews of Homo-Superior-centric Movies

— Prove credit worthiness without debt —

NEW Rules for Budgeting - Interview with YNAB's Jesse Mecham - YNAB is one of the most popular budgeting programs on the planet. It has a beautiful interface, is easy to use, and forces us to save money for those unexpected expenses in the near future - and people love it!

Jesse explains what the big changes are since releasing NEW YNAB, a web-based version of the program that includes all the beloved features of YNAB4 (the previous desktop & app version) but also does this neat little trick that I can’t wait to try out.

Listen to the interview to find out more - and to hear Jesse’s answers from people who want to hold on to their old versions of YNAB.

How to Retire Inspired - a Visit with Chris Hogan - Are you excited about retirement? Of course not; how are we supposed to beexcited about something we won’t experience - and can’t accurately forecast - when it’s decades away? Many of us have a fear of being unprepared for retirement and that’s because we don’t have our number. What is our number? My guest today is Chris Hogan, one of Dave Ramsey’s speakers. He will show us how we can be ready and inspired for retirement.