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.

Also in this episode: Our former IRS Agent turned CPA, Andy Magnus, erases all confusion between tax credits and deductions. In the Rich Habits segment we talk about the 4 Destructive Habits of the Poor. Finally, I answer a listener’s question: Is it better to file a Chapter 7 bankruptcy or settle debts once the credit cards have charged them off?

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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 Chris Hogan on Twitter, Facebook, LinkedIn & 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:

— A Welcome to The 2GuysTalking Podcast Network from Network Creator, Mike Wilkerson

— The Firecast Podcast — Reviewing Hot Sauces, Chiles, BBQ, and More!

Calls to the Audience:

— What struck YOU inside this episode of No Debt, No Credit, No Problems?

Recent studies show a correlation between your credit score and the success of your romantic relationships. Can this be true? My guest, Professional Counselor Brian Lindner, answers this question and gives great tips for improving relationships – even if credit scores predict a break-up.

Also, our former IRS Agent turned CPA, Andy Magnus, tells us what triggers an IRS audit and Tom Corley’s Rich Habits make our New Year’s Resolutions stick.

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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 Brian Lindner on Twitter, LinkedIn & 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:

— Sprint’s Relay Missouri –– A Video Relay Company for The Deaf & Hard-of-Hearing Community

— The Toy Story Perspective Review Series from 2GuysTalking

— Get Bit by the Bloggers Bug! Get Your Blog Content Seen!

Calls to the Audience:

— What struck YOU inside this episode of No Debt, No Credit, No Problems? Tell us now and we’ll use your input in a future episode!

 

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Professional Counselor Brian Linder Asks Does Your Credit Score Effect Your Romantic Relationship? - Recent studies show a correlation between your credit score and the success of your romantic relationships. Can this be true? My guest, Professional Counselor Brian Lindner, answers this question and gives great tips for improving relationships - even if credit scores predict a break-up.

Also, our former IRS Agent turned CPA, Andy Magnus, tells us what triggers an IRS audit and Tom Corley's Rich Habits make our New Year's Resolutions stick.

Top 5 Ways to Save BIG Money in 2016 - 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?

Yes, 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 the Top 5 Ways to Save BIG Money in 2016

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?

Yes, 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 the Top 5 Ways to Save BIG Money in 2016:

#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 bigexpenses and cut-cut-move

Joe’s new course will help you use these tips to save 50% of the your income.

Get a 10% discount when it launches in January 2016 by using this link.

Also in this episode:

Taxes with Andy:What are the tax benefits for a home business?

Habits of the Rich: Self-made millionaires create at least 3 streams of income

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 Joe Saul-Sehy  on Facebook, Twitter, & On the Web

Links from this Episode:

— Discount on the Save50 course

— 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 – Give Us a Rating and Share!

Advertisements included in this episode:

— Web Services for You via 2GuysTalking — Make Your Money Work for You

— The Voice Farm Voiceover Academy — A Company that is Truly Outside the Box ...

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!

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 Roger Whitney on Facebook, Twitter, LinkedIn & On the Web

Links from this Episode:

— BONUS interview with Roger

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

— The 2GuysTalking Podcast 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 – Give Us a Rating and Share!

Advertisements included in this episode:

— A Welcome to The 2GuysTalking Podcast Network from Network Creator,

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?

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 Tom Corley on Twitter, YouTube & On the Web

Links from this Episode:

— Links to everything you hear in this episode can be found here!

— Tom Corley recommends Jack Canfield’s Success Principles

— Tom Corely’s Rich Habits Institute

— Lighter read: The Richest Man In Babylon by George S. Clason

— Career: 48 Days to the Work You Love by Dan Miller

— Wealth: The Millionaire Next Door by Thomas J Stanley

— Relationship: The 5 Love Languages by Gary Chapman

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

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

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

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! 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 a 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.

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 Andy Magnus on Facebook, LinkedIn, & On the Web

Links from this Episode:

— What is the IRS via Wikipedia?

— The Official IRS Frequently Asked Questions Section

— Contact Your Local IRS Office

— The Official Forms Library of the IRS: Find Your Forms Now!

— Visit the Internal Revenue Service on LinkedIn

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

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

— A

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!

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?