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

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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 seeking direction on some huge financial goals in their new world of self-employment.

Today we assessed their goals for the next 12 months, their income and expenses, and I issued a 30-day action plan for them. Here’s what we know about them:

Goals:

  • In the next 12 months, they’d like to pay off $10,000 in student loans and save an emergency fund of $2,500
  • They want to give away three $1,000 awards to people creatively addressing social concerns
  • They intend to live unconventionally (in tents, cabins, or vehicles) and travel extensively in North America

Income & Expenses:

  • Income – $2,904
  • Expenses – $2,012
  • Net Income/(Loss) – $892

30-Day Action Plan:

Over the next 30 days, The Non-Conformist Family needs to focus on two initial goals:

1) Tracking every dollar they spend to determine the accuracy of their planned spending (and cash flow potential)

2) Funnel every bit of extra cash flow into their emergency fund

In the days ahead, we’ll be revisiting The Non-Conformist Family to see how they’re progressing, answer questions as they arise, and provide guidance for them on their journey.

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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144 Past Due – Why The American Dream Is Ruining Lives

by Derek Sisterhen on February 11, 2011

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Past Due: Radio 144 – Why The American Dream Is Ruining Lives

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Your belief system will dictate the way you behave. The way you behave will produce a certain set of results. Those results will positively or negatively reinforce your belief system.

Today we discussed how our worldview – particularly that of the traditional American Dream – can deceive us into believing that accumulating more money and possessions will produce fulfillment and satisfaction. The studies and the true status of American households both show that the results of behaving in a way to pursue happiness are not pretty.

We have over two-thirds of our households living paycheck-to-paycheck. The typical American household bears more than $84,000 in consumer debt. At some point our belief system must change.

We covered the importance of identifying why we do anything with money before we focus on how we’ll actually do it in order to keep our behavior and results consistent with our worldview (beliefs).

Today’s Mentionables:

Seek Up – Dave Matthews Band – Excellent song capturing the paradox of accumulating material things only to leave it all behind at death.

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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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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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110 Past Due – Real Life: Kathy Grant

June 16, 2010

Past Due: Radio 110 – Real Life: Kathy Grant Right-click to download Send me your feedback or leave me a voice mail: (919) 374-0501. Leave a review on iTunes What if you and your spouse were over age 60, staring retirement in the face, but had $130,000 in consumer debt?  That was reality for Doug […]

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106 Past Due – Saying ‘No’ in a ‘Yes’ World

May 19, 2010

Past Due: Radio 106 – Saying No in a Yes World Right-click to download Send me your feedback or leave me a voice mail: (919) 374-0501. Leave a review on iTunes What is it about Americans that we have such a hard time saying “No”?  Today we talked about the financial, relational, and emotional impact […]

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