11 episodes

Are you looking for a simpler way to handle your money and build wealth? I have discovered that it doesn’t take a degree in Finance to be debt free and you don’t need to play the credit-score game to be credit-worthy. Since 2007, I have helped people understand how money really works. I teach people how to save, buy things without credit cards, and create rich habits instead of a credit score. Each episode will feature an in-depth discussion about a financial topic or service, we will learn about income taxes with an ex-IRS Agent, and we will learn from Tom Corley’s Rich Habits.

No Debt, No Credit, No Problems Steve Stewart

    • Business
    • 5.0 • 3 Ratings

Are you looking for a simpler way to handle your money and build wealth? I have discovered that it doesn’t take a degree in Finance to be debt free and you don’t need to play the credit-score game to be credit-worthy. Since 2007, I have helped people understand how money really works. I teach people how to save, buy things without credit cards, and create rich habits instead of a credit score. Each episode will feature an in-depth discussion about a financial topic or service, we will learn about income taxes with an ex-IRS Agent, and we will learn from Tom Corley’s Rich Habits.

    Top 5 Reasons You Should Never Default on Student Loans with Jay Fleischman

    Top 5 Reasons You Should Never Default on Student Loans with Jay Fleischman

    Can you be arrested for not paying student loans? No, not directly.



    However, not paying student loans can have far-worse implications than not paying credit cards or your mother-in-law.



    Jay Fleischman, a lawyer who concentrates on Consumer Protection, brings us the 5 reasons you should never default on your student loans.



    GAMIFY THIS EPISODE

    The interview was recorded before the story broke about the Houston man being arrested for not paying a student loan for 30 years. As we go through the Top 5 reasons you should never default on student loans I want you to punch yourself in the face each time we say you can be arrested for not paying your student loans.

    Click here to view the detailed Shownotes at SteveStewart.Me!

     



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    • 1 hr 1 min
    Changing Credit Scores from 123 to ABC with eCredable

    Changing Credit Scores from 123 to ABC with eCredable

    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

    Click here to view the detailed Shownotes at SteveStewart.Me!

     



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    • 50 min
    SoFi Joins the No FICO Zone and Brings Fairness to Lending

    SoFi Joins the No FICO Zone and Brings Fairness to Lending

    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 at SteveStewart.Me!

     



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    • 34 min
    My Favorite Budgeting Program Gets An Upgrade: NEW YNAB

    My Favorite Budgeting Program Gets An Upgrade: NEW YNAB

    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 at SteveStewart.Me!

    The No Debt, No Credit, No Problems Links Bar:

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    • 47 min
    Don’t Worry About Retirement, Be Inspired Instead – Interview with Chris Hogan

    Don’t Worry About Retirement, Be Inspired Instead – Interview with Chris Hogan

    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 at SteveStewart.Me!

     



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    • 47 min
    Do Credit Scores Predict the Success Of Your Romantic Relationship?

    Do Credit Scores Predict the Success Of Your Romantic Relationship?

    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!

     



    The No Debt, No Credit, No Problems Links Bar:

      Subscribe via iTunes |    Subscribe via RSS Feed |   Facebook Page |   Twitter Page



    Don't Forget to Rate this Podcast on iTunes!

    The ultimate success for every podcaster - is FEEDBACK! Be sure to take just a few minutes to tell the hosts of this podcast what YOU think over at iTunes! It takes only a few minutes but helps the hosts of this program pave the way to future greatness!



    Not an iTunes user? No problem! Be sure to check out any of the other many growing podcast directories online to find this and many other podcasts...

    • 37 min

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