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177 Past Due – Confessions Of A Financial Coach (Part 2)

by Derek Sisterhen on October 21, 2011

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Past Due: Radio 177 – Confessions Of A Financial Coach (Part 2)

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Over the years, I’ve been fortunate enough to work with many people who are trying to handle their finances with purpose and intention. Our background – our personal history – has a tremendous influence on our lives. It also has a tremendous influence on our use of money. Over the years, I’ve seen where the “norms” created in the homes where we’ve been raised and our experiences on our own can catapult us to positive change, or be the only thing holding us back.

Today we discussed:

1) Internal vows – the commitments we make to ourselves (for better or worse) that we convince ourselves must come to fruition for us to be happy

2) Our true identity – where we use our money reveals everything about our belief system, how we value others, and what we believe we can accomplish with our lives

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174 Past Due – The Non-Conformist Family Is Making Progress!

by Derek Sisterhen on September 25, 2011

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Past Due: Radio 174 – The Non-Conformist Family Is Making Progress!

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The Non-Conformist Family is back! We’re checking in with Josh and Sarah Gordon as they are five weeks into their action plan (they were the focus of Episode #169).

First Month Review:

During our cross-interview (Josh asked me questions about financial coaching, then I asked him questions about the last month), we learned a few important success factors:

1) A spending plan is just another piece of paper (or spreadsheet) until you know how much you’ve been spending. Josh and Sarah discovered their passion for coffee was a significant monthly expense.

2) Sometimes you just have to say “No”! The Gordons made a tough call by cancelling an impromptu trip with family, but they saved some money in the process.

Next Month’s Action Steps:

1) Continue to track spending, looking for continued patterns and behaviors that encourage or limit success.

2) Place every single penny of leftover cash flow into the emergency fund. (Josh even had a great plan to move $2 to the emergency fund every time he felt tempted to go out for coffee; sometimes we have to reward ourselves in other ways!)

We’ll look forward to checking in with The Non-Conformist Family in another month!

If you have a specific question, I’d be happy to answer it and further cultivate the wisdom of the Past Due Radio masses. The experiences of our listener base provide plenty of insight we all can learn from; don’t hesitate to ask – I’m happy to help!

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Off With Their Talking Heads!

by Derek Sisterhen on September 20, 2011

I have to be honest with you… No, wait a second. I hate it when I start a statement with, “I have to be honest”, it implies that I’m not always honest, but that, in this moment, I’m signifying that I will, in fact, be honest.

I don’t like that.

I’m always honest with you guys. In my honesty I’m going to vent a little bit.

I give plenty of accolades and much respect to the pioneers of the Internet. The technology we have today is incredible and it allows us to have a meaningful impact on many around us. It allows me to have awesome interactions with you, the loyal members of the PDR universe.

It also allows for an incredible preponderance of garbage.

That’s right. Thanks to the ease with which ebooks, physical books, audio books, blogs, videos, and websites can be birthed into existence, the number of hacks hatching before our eyes has grown exponentially.

Just because someone reads Think And Grow Rich doesn’t make them qualified to act as a business coach. Neither does reading The Millionaire Next Door mean they’re equipped to advise those with two commas in their net worth.

While it can be humorous in some cases, I find it increasingly obnoxious.

Now, please don’t be misled by the title of this post; I’m not suggesting we gather the villagers and head out with pitchforks and (freshly sharpened) axes. What I see in this crowd of talking heads is the same thing we’ve all seen at any family reunion or awkward high school reunion conversation. Just think of your loony uncle with all his political diatribes that have no factual basis. Or think of that guy or lady you meet at a party who has the tax code pegged (but doesn’t actually know the difference between a deduction and a credit).

See, talking heads have been with us forever. Our Information Age has just given them a unique megaphone like none that ever existed before. So, be on guard. A healthy dose of skepticism is wise; shrewdness is laudable.

By the way, did I tell you I’m planning on writing an ebook on brain surgery. I mean, I’ve watched a lot of Discovery Health and Grey’s Anatomy, and, you know, my wife used to work in healthcare. I’m pretty sure I’m qualified…

Ah, but then I’d be sticking my neck right out there on the chopping block.

Keep it real, friends; somebody has to.

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172 Past Due – How Am I Ever Going To Retire?

by Derek Sisterhen on September 12, 2011

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Past Due: Radio 172 – How Am I Ever Going To Retire?

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How am I ever going to retire? I’ve probably gotten that question a hundred times over the past few years. Given the Great Recession and market volatility, it’s easy to understand the concern of so many around us that they won’t have enough money for life after work.

Today we discussed some of the flawed logic behind the notion of “retirement”. I shared some of the wildly outlandish visions I had for my own retirement at one time, and how the force of our culture plays a big role in creating a discontented spirit toward the later years in life – particularly if savings is low.

We also covered:

1) A recent study showing that if most people had to pay for the kind of retirement they desire, they would need annual retirement income of 135% of pre-retirement income; talk about expensive taste!

2) The math Certified Financial Planners use to calculate how much you’ll need in savings in order to withdraw an annual “income” similar to your former income in your retirement years.

3) The notion that one should never retire, but use their vast experiences and skills to impact those around them and their community.

If you have a specific question, I’d be happy to answer it and further cultivate the wisdom of the Past Due Radio masses. The experiences of our listener base provide plenty of insight we all can learn from; don’t hesitate to ask – I’m happy to help!

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Try Budgeting Backwards

August 16, 2011

In true non-conformist fashion, Joshua Gordon takes a process that’s been done from top-to-bottom for thousands of years and makes it bottom-to-top. I think you’ll find his perspective intriguing (unless – like me – you actually do like eating broccoli). ~D.S. – – – – – I hate budgeting. Always have. Sort of like eating […]

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Live Like A Millionaire

February 1, 2011

Do you live below your means? Do you allocate your time, energy and money efficiently? Do you believe financial independence is more important than flaunting a social status? Do you purchase used vehicles in cash? If you have adult children, are they financially independent? Do you love your career? The above traits* are the way […]

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Twitter To Get A Job

January 20, 2011

This is one example of how to use “Twitter” in your job search.  Have fun with it. The recommended book is called, “The Twitter Job Search Guide.” (Go Ahead and hit the full screen button so you can see the video better) httpv://www.youtube.com/watch?v=KosRdQRSNQ0 If we haven’t connected on Twitter, my Twitter ID is: JoryButlerCoach

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Do What You Gotta Do!!!

December 29, 2010

How many people do you know who are looking for that “ONE” perfect career.  I hear some people say, ” I can’t take that job because it’s not what I want’.”   They are scared they may get stuck in something they hate.  I completely understand about finding the work you love and not settling […]

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I Got Your Free!

December 22, 2010

In life when we pursue goals, sometimes life  doesn’t agree.   Obstacles and poor choices cause us to stop pursuing our dreams.  Obviously, there are many factors in not pursing a dream.  Sometimes we need an encouraging word or a resource to help us get over the hump.  In getting to where we want to […]

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Living Beneath Your Dignity?

December 15, 2010

I read this article by Dan Miller, author of 48 Days To The Work You Love.  I was moved by it’s content.  It reminded me of who I really am.  For those of you going through transition take these words to heart.   I hope it’s an encouragement for you. DAN MILLER Yes, I know […]

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