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178 Past Due – The Past Due Radio Finale

by Derek Sisterhen on October 28, 2011

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Past Due: Radio 178 – The Past Due Radio Finale

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As the all-knowing They say: “All good things must come to an end.” After nearly four years of broadcasting, Past Due Radio went out with a bang. In honor of the finale, we welcomed back Justin Lukasavige, the original host of Past Due Radio (and current host of CoachRadio.tv), to reminisce and help us guide the ship back home one last time.

Today we discussed why the time has come to move forward from Past Due Radio. With transitions in my professional life, I want to continue helping those I come into contact with as effectively as possible. I’ll be doing so by helping Justin with CoachRadio.tv, collaborating on relevant subject matter like leadership, creating culture, and strategic planning (that actually works).

We relived, and even replayed, some memorable moments:

The Pontiac Caller – Just after GM stopped producing Pontiacs, one eager caller wanted to know if his truly would wind up a collector’s item. We had to break the bad news…

The 100th Episode – The epic opening musical sequence took me a long time to program into our soundboard, but it was worth every second!

The Jelly Beans – In true Past Due Radio community fashion, Tony rose to the challenge by sending us Harry Potter Bertie Bott’s Beans. Justin and I ate them on video and nearly tossed our cookies.

I’ve managed to ruffle thousands of feathers with my critique of those who steamroll their family members with Dave Ramsey’s Baby Steps. To date, The Dark Side of Dave Ramsey’s Baby Steps is the most-watched video we ever released on Past Due Radio. Justin helps all the critics of my video put down the pitchforks and torches on YouTube. And we even released a video in response to them, where I highlight the bright side of the Baby Steps.

It’s been an incredible journey with you, our fans and listeners. Thank you for the privilege of allowing me to host this show and inviting me to join you in the adventure of making this life truly count.

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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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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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Does Money Make Us Happy?

September 6, 2011

Danny Kofke answered this question – “Does money make me happy?” – a long time ago. He and his family have accomplished more in the way of strong relationships and meaningful adventures on a salary most people would call meager. He appeared on Past Due Radio back in the good ol’ days when we broadcasted […]

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169 Past Due – The Financial Plan For The Non-Conformist Family

August 19, 2011

Past Due: Radio 169 – The Financial Plan For The Non-Conformist Family Right-click to download Send me your feedback or leave me a voice mail: (919) 374-0501 Leave a review on iTunes Josh and Sarah Gordon of thenonconformistfamily.com have agreed to be guinea pigs in the PDR lab! In their effort to avoid mediocrity, they’re […]

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168 Past Due – Should We Repair Or Replace The Car?

August 12, 2011

Past Due: Radio 168 – Should We Repair Or Replace The Car? Right-click to download Send me your feedback or leave me a voice mail: (919) 374-0501 Leave a review on iTunes Jane and Bill wrote in this week in the midst of an all-too-familiar conundrum: “Should we shell out the money to repair an […]

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144 Past Due – Why The American Dream Is Ruining Lives

February 11, 2011

Past Due: Radio 144 – Why The American Dream Is Ruining Lives Right-click to download Send me your feedback or leave me a voice mail: (919) 374-0501 Leave a review on iTunes Your belief system will dictate the way you behave. The way you behave will produce a certain set of results. Those results will […]

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Choose to Just Say No!

February 8, 2011

While it’s not new news, the lawsuit against McDonald’s and their Happy Meals is still making headlines. Here’s the thing, I get it, McDonald’s is not the healthiest food choice and they try to entice kids to then beg their parents to bring them so they can get some toy. However, last I checked I […]

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Never Love Something That Can’t Love You Back

October 8, 2010

We all have “money messages” we take away from our childhood. Not necessarily lessons learned from a sit down conversation, but observations about how those who raised us viewed money. While some of my tendencies to be a saver are in my genes, I learned early on, never to love something that can’t love me […]

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