#63: My theoretical budget spreadsheet shows you where the opportunities lie in your budget. To download the spreadsheet, visit this original post at

Dave Ramsey's New FPU Program (revised 2012)

Pay attention - not interest. 

For most, that&#39;s all it takes to get their money under control. That&#39;s how my wife and I got out of debt completely - EVEN THE MORTGAGE! And you can too!

Join me as I share some extreme-but-proven ways for how money really works. The show isn&#39;t just about making a Money Plan (aka: a budget). Steve also explains what&#39;s really wrong with credit cards and credit scores (spoiler alert: It&#39;s not what you think). You&#39;ll also learn about rich habits, how various investing vehicles work, and how you can have no debt, no credit, and no problems!

The show is retired, but still relevant in today&#39;s radically changing financial world. Begin with Episode 201, then go back and listen to the archives in your favorite podcast app!

Money Plan SOS is the response to the call for help with your finances.