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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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175 Past Due – No More Free Lunches (Or Banks)

by Derek Sisterhen on October 8, 2011

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Past Due: Radio 175 – No More Free Lunches (Or Banks)

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Greg has been reading the news and seeing how banks are beginning to charge for previously free services. In particular, he noticed that Bank of America is preparing to charge customers $5 a month to use their debit cards. Greg asked: “First, how did this happen (that banks are charging fees like this)? And second, what does this mean for an average guy like me? How should I be vetting my banks?”

These are great questions. Oftentimes we assume that our bank has our best interest at heart, but we forget that they work for shareholders (which is why it’s a good idea to have your financial institution(s) in your mix of mutual funds, too). When things change, we figure the bank is out to get us; but the reality is that they need us, or else they wouldn’t be in business.

Today we discussed:

1) How banks actually work; why they offered free services for so long and what recent regulatory changes are forcing them to do differently.

2) The three questions you should ask to determine if your bank relationship fits your needs.

If you put a premium on relationships – having a banker that knows your name – recognize that those services cost money and may require you to pay for them. If you prefer free self-service banking options, just remember that you get what you pay for.

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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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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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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171 Past Due – Should I Delay Debt Freedom To Be A Best Man?

September 5, 2011

Past Due: Radio 171 – Should I Delay Debt Freedom To Be A Best Man? Right-click to download Send me your feedback or leave me a voice mail: (919) 374-0501 Leave a review on iTunes BJ and Sylvia wrote in from Germany looking for guidance on a dilemma: Do they attend BJ’s brother’s wedding (BJ […]

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3 Lessons On Pregnancy & Money

August 23, 2011

Jon White is not only talking the talk, he’s walking the walk. It’s so exciting to think that he and his wife Lisa are welcoming their first child into a financially healthy home. For many families, the onset of children exposes cracks in the financial foundation.  If nothing else, these three simple ways to prepare […]

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167 Past Due – Where Does The Sandwich Generation Get Money For Bread?

August 5, 2011

Past Due: Radio 167 – Where Does The Sandwich Generation Get Money For Bread? Right-click to download Send me your feedback or leave me a voice mail: (919) 374-0501 Leave a review on iTunes My friend Bob is feeling the pain of being caught in the middle of a sandwich. This isn’t some weird food […]

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163 Past Due – Teaching Your Kids About Work And Reward

June 24, 2011

Past Due: Radio 163 – Teaching Your Kids About Work And Reward Right-click to download Send me your feedback or leave me a voice mail: (919) 374-0501 Leave a review on iTunes Susan and William of Raleigh, NC are the winners of the Kids & Money Contest! They wrote in about the numerous financial mistakes […]

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162 Past Due – Help! My Fiance’s Finances Are Trashed!

June 17, 2011

Past Due: Radio 162 – Help! My Fiance’s Finances Are Trashed! Right-click to download Send me your feedback or leave me a voice mail: (919) 374-0501 Leave a review on iTunes I was teaching a group of undergrad and graduate interns at SAS Institute earlier this week and was asked a great question: What do […]

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