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• Welcome to the show, I’m Steve your host and today I wanted to talk about a story I’ve heard way too often lately: Debt Consolidation 
• Client named “Kay” (names are changed to protect the guilty)
• Kay’s story goes something like this… She racked up over $85000 in debt
   
  • Normal type debt, like credit cards, personal loans, car loan etc. Normal stuff
• Stress was killing her - actually it was keeping her up at nights. 
• One sleepless stressed night she saw a commercial for a debt consolidation loan and thought this was the answer
• She called bank scheduled an appointment.
• Heard all the right things and signed up.
• 4 years later, Kay found herself another $25K in credit card debt. Frustrated and back into the sleepless - stress filled nights. 
• Why is that? Have you ever heard of the Hippocratic Oath?
• It's an overview of the behaviors of a doctor to their patient. Today, we kind of simplify it with just three words. Do no harm.”
• What in the world does that mean for finance or money,

You Can’t climb out of a hole if you're still digging the hole. When I tell you to take the “oath” to do no harm when it comes to your money, what I’m really telling you is to never go into debt again Period, end of story. 

• Kay was the perfect example of this. 
• Consolidated her debts but didn’t change her behavior.
• If your debt was a simple math problem, we wouldn’t be in debt. 
• If you don’t stop the digging, You’re just going to fill it all back up again. You have to take the time to change your behavior otherwise you’re just going to get deeper in debt. 

• Ever hear of the Biggest looser?
   
  • Very overweight contestants compete to see who can loose the most weight
• Some, 300, 400,and over 500lbs
• During the show, they worked out 2-3 times a day, restricted calories severely. I was just reading a study that said not only did the majority of the contestants gain the weight back, but it severely affected their metabolism so it’s harder to keep off the weight.
• If they want to get back to the weight loss they had, they need to reset their mindset and metabolism.

• Just like weight loss, there is a better way that’s more sustainable. Trust me, I come to you today to tell you not to consolidate the loans, not to try and move things around, because this zero interest credit card will help me, and I can move this over here, and I can jumble these things around, and the more you jumble things around, the more complicated you make things. And it doesn't need to be complicated. Money does not need to be complicated.

How to stop using debt? 

1. Declare I HAVE HAD ENOUGH!
2. Save $1000 baby/starter emergency fund 
3. List all debts smallest to largest - pay minimum on all and attack the smallest, once that is paid put that minimum payment and any extra toward the next one. Keep rolling the payments over until you have all your debts paid.
4. Go back to your starter emergency fund and fully fund it with 3-6 months of expenses.

When you are ready to move forward with help, here are some ways you can work with us.

• Schedule your free 30 minute breakthrough call
• Get your 2 minute quiz to see if your business is ready to run without you
• Join The Hub = an online community to help grow your business
• Support the channel (coming soon)

Thanks for your support

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Time is the great equalizer doesn’t matter how much money you have time is the currency of the day we all only have 24 hours so how are you gonna spend your currency today?

When you are ready to move forward with help, here are some ways you can work with us.

• Schedule your free 30 minute breakthrough call
• Get your 2 minute quiz to see if your business is ready to run without you
• Join The Hub = an online community to help grow your business
• Support the channel (coming soon)

Thanks for your support

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It's Monday Money Mindset - A listener recommended I start a "Monday Money Mindset" segment to get the week started off right. These will be short quotes about your money mindset and your work. 

Thanks for the suggestion Cassie

As a budget and finance coach, the first quote comes from Charles Dickens, Annual income twenty pounds, annual expenditure Nineteen six result happiness. Annual income twenty pounds, annual expenditure twenty zero six. result misery.

What he is saying then is the same as what we are saying now. Live on less than what you make, and you'll be happier. 

Have a great week

~ Steve

When you are ready to move forward with help, here are some ways you can work with us.

• Schedule your free 30 minute breakthrough call
• Get your 2 minute quiz to see if your business is ready to run without you
• Join The Hub = an online community to help grow your business
• Support the channel (coming soon)

Thanks for your support

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Hey, welcome back to the show! I’m Steve Stauffer your host and today, we’re diving into one of the biggest reasons some people crush it financially while others are stuck playing financial whack-a-mole with their bills. 

It’s not magic. It’s not luck. It’s not even about making six figures. It’s all about your MONEY MINDSET. 

Now, before you roll your eyes and think, “Oh great, another one of those ‘manifest wealth’ pep talks,” don’t worry. I’m not here to tell you to chant ‘I am wealthy’ into your bathroom mirror while burning sage. (Although, if that works for you, go for it. Just don’t burn hour house down.)

Let’s talk about why your brain—yes, your brain—is either helping you build wealth or keeping you broke. And trust me, some of us have brains that act like that one friend who convinces you to “just get the fries” when you’re trying to eat healthy.

• Read the book Think and Grow Rich
• Believe in yourself, believe you CAN make a million
• You become the average of the 5 people around you, Ask yourself, am I surrounded by people who are in the bottom 1% or the top 1%
• Think like people who are wise with money... not your broke uncle's advice.

Here's a couple of ways we can help when you're ready

• Budget session
• Monthly coaching
• Accountability partner
• Work with your mindset.

To get started, schedule here for your complimentary session to see if coaching is right for you.

~ Steve Stauffer - Money Coach Steve

moneycoachsteve.com

Looking for business coaching... genesisbusinessstrategies.com

I do not have any affiliate links on this page.

When you are ready to move forward with help, here are some ways you can work with us.

• Schedule your free 30 minute breakthrough call
• Get your 2 minute quiz to see if your business is ready to run without you
• Join The Hub = an online community to help grow your business
• Support the channel (coming soon)

Thanks for your support

#Leadership #BusinessGrowth #Entrepreneur #PersonalGrowth

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Today, we have an incredible story about Deacon and Kim Hayes, a couple who managed to wipe out $52,000 of debt in just 18 months. Their journey is a testament to determination, discipline, and the power of a solid plan. 

Deacon and Kim's story begins like many others. They were living the American dream—nice house, two cars, and all the trappings of a comfortable life. But beneath the surface, they were drowning in debt. Credit cards, car loans, student loans—you name it, they had it. The weight of owing $52,000 was taking a toll on their peace of mind and their relationship.

The turning point came one evening when they sat down to discuss their future. They realized that if they didn't make a change, they'd be stuck in this cycle forever. Deacon crunched the numbers and proposed an ambitious plan: pay off all their debt in under two years. Kim was initially skeptical, but she trusted Deacon's judgment. They both knew it would require sacrifices and a complete overhaul of their lifestyle.

When you are ready to move forward with help, here are some ways you can work with us.

• Schedule your free 30 minute breakthrough call
• Get your 2 minute quiz to see if your business is ready to run without you
• Join The Hub = an online community to help grow your business
• Support the channel (coming soon)

Thanks for your support

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Imagine this: Your child grows up, gets their first job, and immediately knows how to budget, save, and invest. No credit card debt. No paycheck-to-paycheck stress. Just financial confidence and freedom.

Sounds great, right? But here’s the reality—most kids enter adulthood completely unprepared to handle money. Schools don’t teach it, and if we don’t step in, they’ll learn from social media, advertisers, or their broke friends.

The good news? You don’t need to be a financial expert to set your kids up for success. With a few simple, intentional steps, you can give them the tools to build wealth and avoid financial stress. Here’s how to get started.

1. Teach Them the Value of Work

Money doesn’t magically appear—it’s earned. Start young by giving your kids opportunities to work for their money. Whether it’s doing chores, mowing lawns, or starting a small business (like a lemonade stand), they need to understand the connection between effort and income.

When you are ready to move forward with help, here are some ways you can work with us.

• Schedule your free 30 minute breakthrough call
• Get your 2 minute quiz to see if your business is ready to run without you
• Join The Hub = an online community to help grow your business
• Support the channel (coming soon)

Thanks for your support

#Leadership #BusinessGrowth #Entrepreneur #PersonalGrowth