Podcasts about debt free

This week on our podcast, we dove into an unexpected yet eye-opening connection between the hit reality show Got to Get Out and the process of getting out of debt. Who knew a competition show could offer such powerful insights into financial freedom? When our daughter suggested the show, we didn't think much of it—but as we watched, the parallels to debt reduction became impossible to ignore. This is proof that you can find inspiration in unexpected places.  Tune in to hear our insights about the show and how it relates to achieving any financial goal.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung    

Pajak shares the surprising story of how having zero debt and money in the bank actually hurt his chances of getting a mortgage. This episode exposes how credit scores reward debt, not discipline and why true financial freedom comes from living within your means and building your business to fund the life you want. Comments and Questions are welcome.  Send to ProfitswithPajak@gmail.com Episode Links: Apple Podcast Listeners- Copy and paste the links below into your browser. Upcoming Events: Get your Equip Expo 2025 tickets NOW with promo code PAJAK for only $12.50 https://plus.mcievents.com/equipexpo2025?RefId=PAJAK LCR Summit: October 19th and 20th in Louisville, Kentucky The Playbook for Success in Your Business and Life! https://www.lcrmedianetwork.com/   Show Partners: Yardbook Simplify your business and be more profitable.  Please visit www.Yardbook.com  Get 30 days of Premium Business level of Yardbook for FREE with promo code PAJAK Relay Relay is small business banking that puts you in complete control of what you're earning, spending and saving. Click here to sign up for Relay and get $50.00 cash bonus!http://join.relayfi.com/promo/get-50-ulumkswykjzwi4dqsm?referralcode=profitswithpajak&utm_source=influencer&utm_medium=podcast  Mr. Producer Click the link to connect with Thee Best Podcast Producer in the biz! https://www.instagram.com/mrproducerusa/ Green Frog Web Design Get your first month for only $1 when you use code, PAJAK , and have your website LIVE in 3 weeks from projected start date or it's FREE for a year. https://www.greenfrogwebdesign.com/johnpajak My Service Area “Qualify Leads Based on Your Profitable Service Area.” Click on this link for an exclusive offer for being a “Profits with Pajak” listener. https://myservicearea.com/pajak Training and Courses Budgets, Breakevens, and Bottom Lines™ Workshop John Pajak's exclusive system is designed to help you avoid common failures and achieve your business' financial goals to be profitable and scale your business. https://www.johnpajak.com/offers/qvgvV8m3/checkout   Yardbook Training Workshops Learn one-on-one with John Pajak to use Yardbook like a pro to streamline your business and make more money! https://www.johnpajak.com/offers/aJ9YX7aB/checkout

What legal actions can creditors take if you stop paying your debts? From collection calls to lawsuits and wage garnishments, Licensed Insolvency Trustees explain the real timeline of creditor actions—including how the CRA (Canada Revenue Agency) collects without going to court, and how to avoid scams when seeking help. ✅ Know your rights✅ Understand the legal process✅ Learn when (and how) to take action with confidence 00:00 – Can You Go to Jail for Not Paying Debt in Canada? 03:00 – When Do Creditors Start Calling After Missed Payments? 06:45 – When Can Creditors Start Legal Action Against You? 09:40 – Understanding the Statute of Limitations on Debt in Canada 12:20 – Debt Collections vs. Debt Buyers: Why Debts Are Sold 16:00 – How to Know If You're Actually Being Sued 17:00 – Superior Court vs. Small Claims Court: What If You Ignore It? 20:00 – CRA Collection Powers: Wage Garnishment Without Court 24:00 – Court-Ordered Support Payments (e.g., Child or Spousal Support) 26:00 – Practical Tips for Dealing with Debt Collectors 27:30 – What to Do If You're Facing a Wage Garnishment 29:00 – Avoiding Debt Relief Scams: Why You Need a Licensed Insolvency Trustee How To Find Legitimate Debt Help in Canada Legal Actions Creditors Can Take When You Don't Pay Hoyes Michalos YouTube: Will a Debt Collector Sue Me? Sign Up For The Debt Free Digest (A monthly financial-motivation newsletter to your inbox!) Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Want to send your student to college without going into debt? Join me for the second part of my conversation with Shellee Howard on how to make college more affordable and accessible for your family.   Shellee is the founder and CEO of College Ready and a certified independent college strategist. She specializes in helping families navigate the complex world of college admissions and funding.   In part two of our conversation, we discuss: The critical steps to take if you're starting the college prep process late Key factors colleges consider in applications and how to enhance them The importance of community service, leadership, and extracurricular activities How to identify the right colleges based on fit and financial considerations Tips for effectively negotiating financial aid and scholarships effectively   Tune in now to gain the knowledge you need to help your child succeed in their college journey! If you missed part one, be sure to listen to that episode before diving into this one.   And as a special gift, Shellee is offering a complimentary 30-minute consultation for listeners who want to assess their child's college readiness. You can grab that opportunity at collegereadyplan.info.   Connect with Shellee: College Ready's website: https://collegereadyplan.com/  College Ready's Instagram: https://www.instagram.com/collegereadyplan/    Shellee's Podcast: Parents: Is Your Teen College Ready?   Shellee's Books on Amazon: How to Send Your Child to College Without Losing Your Mind or Your Money The College Admissions Plan Simplified  

Snag Our Simplified Budget System!Budget Besties, buckle up! Today, we're inviting you behind the scenes of our private coaching calls to dish out the real-life budget wins, tough decisions, and "wait, should I buy a zebra?" moments from our amazing clients. If they're going through it, chances are you are too — so let's break it all down together.From surprise escrow refunds and dream farms (complete with cows, chickens, and yes... zebra requests

Credit cards can be a game-changer for your finances—or a slippery slope into debt. In this encore episode, we take an in-depth look at the pros and cons of credit card usage. From rewards points and cashback perks to the risks of high-interest debt and overspending, we break down when using a credit card helps and when it harms. If you've ever wondered, “Should I use a credit card or not?” this episode is for you. Tune in to learn how to make intentional financial decisions and decide if swiping is the right choice for you.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung    

Would you leave a stable job, live in a school bus, and launch a business on your honeymoon? That's exactly what Phil Risher did. In this in-person episode of The Root of All Success, Jason Duncan sits down with the founder of Phlash Consulting to uncover how he went from paying off $30K in student loans to building a 7-figure marketing agency serving home service businesses—all within a few years. Phil breaks down how solving a single local business's problem sparked an entire company, the lead management mistakes most owners make, and how systematizing marketing helped multiple clients scale and exit. If you're a service-based founder ready to grow fast (without burning out), this episode is packed with game-changing insights.

‘I think there's still some legs left to improve margins, especially with the Lafarge businesses that are now starting to gain momentum again': CEO Andries van Heerden.

Denied credit when you need it most? Learn why creditors reject credit and loan applications and what steps you can take next. This guide covers real solutions to dealing with emergency credit denial, from avoiding payday loan traps to protecting yourself financially in tough times. Doug and Ted also recommend using the links below to access your free credit reports, a right for all Canadians! You do not need to pay for your credit score, and finding the free report option on these websites can sometimes be tricky: Link to access your FREE Equifax Credit Report Link to access your FREE TransUnion Report Sign Up for the Debt Free Digest (A monthly financial-motivation newsletter to your inbox!) (00:00) - Why You May Be Denied Credit  (02:35) – What Is and Is Not on Your Credit Report  (05:30) – Why Banks Prefer Lending Large Amounts  (07:00) – How Lending Criteria Differs Between Lenders  (08:00) – Why People Are Relying on Credit in Emergencies (10:00) – What to Do Before Considering a Payday Loan  (13:00) – The Payday Loan Cycle: Why It's Hard to Escape  (15:00) – Credit-Building Tips to Improve Your Chances  (19:00) – Should You Cash Out an RRSP or TFSA? Pros and Cons  (22:30) – Talking to Creditors: Can You Defer a Payment?  (25:00) – Emergency Solutions When All Else Fails  (27:00) – How to Protect Yourself Financially in a Survival Situation  Break the Payday Loan Cycle 13 Myths About Credit Card Debt in Canada What Debt Relief Options Are Available in Ontario? Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Real estate investing, financial freedom, and passive income — this IT professional shares how he built a real estate portfolio from scratch using data, strategy, and a mindset shift. In this episode of the Real Wealth Show, Tim explains how he transitioned from traditional financial planning to real estate investing across Memphis, Kansas City, and Florida. Learn how he scaled from his first out-of-state rental to a balanced portfolio of income and appreciation-focused properties — all while leveraging his tech background and working with a mentor. Topics Discussed: 00:33 Investor Story 04:23 Real Estate Education 07:23 Debt Free vs Real Estate Portfolio 11:13 Properties and Reserves 15:00 What Tim Would Do Differently 20:00 Cashflow Markets with Population Growth 22:19 Appreciation Properties 27:00 New Construction

Are you feeling overwhelmed by the college admissions process? Wondering how to pay for college without going into debt? You're not alone!   Shellee Howard is the founder and CEO of College Ready and a certified independent college strategist. With her extensive experience and firsthand knowledge, Shellee shares invaluable insights on navigating the college admissions process and securing a debt-free education for your children.   In the first part of our conversation, we dive into:   Shellee's journey and how her son's aspirations led her to become a college consultant   The importance of starting the college conversation early and understanding your child's unique gifts and talents   Common mistakes families make during the college admissions process and how to avoid them   The reality of scholarships and financial aid, including how to maximize funding opportunities   Tips for parents on how to support their children in making informed decisions about their future   If you're a parent of a middle school or high school student, this episode is filled with actionable advice and inspiration.   Be sure to listen to both parts of this two-part series, and stay tuned for a special gift from Shellee at the end of part two!   Connect with Shellee: College Ready's website: https://collegereadyplan.com/  College Ready's Instagram: https://www.instagram.com/collegereadyplan/    Shellee's Podcast: Parents: Is Your Teen College Ready?   Shellee's Books on Amazon: How to Send Your Child to College Without Losing Your Mind or Your Money The College Admissions Plan Simplified   ✨ Join my Mompreneur Glow Up email list. It's your go-to source for all things life, leadHERship, and mindset.  

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This week we are taking a much needed break from new episodes. One year ago today we were on our way to take our dream vacation in South Africa. Check out how we made the decision to spend the money and hear our honest opinions about if it was worth the hype. Thank you for being a part of our For Better AND Worth community. We plan to be back with new content soon!       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

Gregory Ricks takes a close look at the Social Security Fairness Act and what its recent passage means for both government employees and the future of Social Security itself. Using real-world examples, he breaks down why repealing the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) could lead to unintended — and unfair — financial consequences for American taxpayers. Gregory also shares insights from Harvard Business School's Arthur Brooks about two common financial mistakes that can derail your financial goals: normalizing debt and confusing spending with happiness. Whether you're preparing for retirement or just trying to stay on track with your money in 2025, this episode will give you important updates, critical advice, and steps to protect your future. For more episodes like this head over to www.gregoryricks.com/podcastFor the latest in financial news, why don't you tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings from 10 am - 1 pm on: New Orleans - WRNO-News Talk 99.5 FM Biloxi- WBUV - News Talk 104.9 FM OR watch on YouTube LIVE on our YouTube page Winning at Life with Gregory Ricks!If you have any questions or are looking for some financial advice?CLICK HERE to Book a Consultation The free consultation provides an overview of products and services offered by Gregory Ricks & Associates. Investment advisory services made available through AE Wealth Management, LLC, a Registered Investment Adviser, and there is no obligation.

Today, we take you inside plagiarism in Secretary of Defense Pete Hegseth ‘03's senior thesis, cover air traffic radar disruptions at Newark airport, and look at Avi Chesler's experience with the ambiguity of Princeton's debt-free financial aid promise.

What does it mean to be house poor in today's Canadian economy? With home prices rising much faster than wages, more people are stretching their finances to buy property, only to find themselves stressed, overleveraged, and without a financial safety net. We explore how the definition of "house poor" has evolved, the role gig work and income instability play, and whether it's ever worth it to stretch your finances for a home. Most importantly, we share practical tools to help you avoid becoming house poor—or to recover if you're already there. (0:00) Defining "House Poor": Understanding the Basics (2:00) The Changing Definition of House Poor Over Time (3:45) House Prices vs. Wages & Inflation (6:00) Gig Work & the Modern Workforce (8:30) When Is Being House Poor Acceptable? (13:00) Rethinking Homeownership as Investment (14:30) Practical Advice: How to Avoid Becoming House Poor (19:30) Financial Planning Tools: Calculating Your Homeownership Affordability (22:00) The Link Between Homeownership & Unsecured Debt (26:00) Getting Out of the House Poor Situation: Actionable Strategies What To Do If You Can't Pay Your Mortgage Second Mortgage Home Equity Loan or Interest Free Consumer Proposal? Can You Get A Mortgage With Bad Credit? DEBTASIZED - How Our Reliance on Credit Leads to Price Inflation FREE YouTube Doc Sign Up for the Debt Free Digest E-Newsletter Debt Free in 30 Podcast YouTube Channel Hoyes Michalos YouTube Channel  Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Have you been paying your Student Loans? Have you been waiting on forgiveness of your Student Loans? Recently, the Department of Education has begun collection efforts for Student Loan borrowers behind on their payments, who have not repaid their debts or entered into some type of workout plan regarding their Student Loan debts. The government estimates that there are 6.4 million Student Loan borrowers between the ages of 50 - 60, that owe a combined $282 Billion - or $46,000 per borrower. For some history or background, Student Loan payments paused during the COVID pandemic. But in October 2023, Student Loan payments resumed (subject to any workout plan negotiated with the Department of Education).  Now, the government is seeking collection against any defaulted Student Loans, and they have as tools, the authority, under certain circumstances, to: (1) garnish wages, (2) intercept and retain tax refunds, and (3) intercept and retain social security payments. Unfortunately, Student Loans are still largely non-dischargeable under Bankruptcy Law, although there have been some in-roads. So how can you manage?  There are still options available, including: Income-Driven Repayment. Public Service Loan Forgiveness (PSLF) Modification You can also plan ahead for the costs of Education, by researching the different borrowing programs, Grants, 529 (and similar) plans. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.   Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.  And although the 2025 Purple Stride Walk is over, please consider a donation to Pancreatic Cancer research and education by joining Shawn's 2025 Team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacy8  The link will be available until June 30.

#389 In this final episode of our three-part series with financial expert Adam Carroll, we're exploring innovative strategies for achieving financial freedom. Carroll introduces us to his groundbreaking "SHRED method," a system designed to accelerate the payoff of mortgages and high-interest debt using bank systems and home equity lines of credit (HELOC) effectively. He stresses the importance of understanding the energetics and psychology of money, alongside prudent expense management and strategic reduction of major lifetime costs like taxes and debt interest. Throughout the discussion, Carroll shares invaluable tips for wealth creation, tax minimization, and real estate investment. He emphasizes the need for disciplined spending, consistent income, and a willingness to adopt a fresh perspective on money management to succeed with the shred method. Additionally, Carroll dives into the FIRE movement (Financially Independent, Retire Early), offering guidance for individuals at different stages of their financial journey. He highlights the potential to leverage current assets and income to significantly enhance long-term financial stability and freedom. Join us as we conclude this series with a wealth of insights and practical advice for mastering your finances and building a path to lasting prosperity and freedom. (Original Air Date - 4/19/24) What we discuss with Adam: + Diving Deep into Debt, Mortgages, and the Shred Method + The Real Cost of Debt and How to Minimize It + Exploring the Shred Method: A Revolutionary Approach to Debt + Understanding the HELOC Strategy and Its Impact + Exploring Underutilized Financial Strategies + Navigating Estate Settlement and Early Retirement + The Shred Method: A Game-Changer in Debt Management + Embracing the FIRE Movement for Financial Independence + Strategies for a Comfortable Retirement + The Power of the Shred Method in Real-Life Scenarios + Final Thoughts on Financial Health and Wealth Building + Reflecting on the Journey and Future Possibilities Tune in for more with Adam in Parts 1 and 2 of this series! Links and resources from this episode: ⁠The Shred Method⁠ Use code: "MU" at checkout to save $300! Thank you, Adam! Thank you Adam for a value packed episode and for sponsoring the show! Check out ⁠Adam's Full TedX Talk⁠, and if you'd like to connect with him on Linkedin click ⁠here.⁠ For more information go to⁠⁠⁠⁠ MillionaireUniversity.com⁠⁠⁠⁠ To get access to our FREE Business Training course go to ⁠⁠⁠⁠MillionaireUniversity.com/training.⁠⁠⁠⁠ And follow us on: ⁠⁠⁠⁠Instagram⁠⁠⁠⁠ ⁠⁠⁠⁠Facebook⁠⁠⁠⁠ ⁠⁠⁠⁠Tik Tok⁠⁠⁠⁠ ⁠⁠⁠⁠Youtube⁠⁠⁠⁠ ⁠⁠⁠⁠Twitter⁠⁠⁠⁠ To get exclusive offers mentioned in this episode and to support the show, visit ⁠⁠⁠⁠millionaireuniversity.com/sponsors⁠⁠⁠⁠. EXCLUSIVE NordVPN Deal ➼ ⁠⁠⁠⁠https://nordvpn.com/millionaire⁠⁠⁠⁠. Try it risk-free now with a 30-day money-back guarantee! Want to hear from more incredible entrepreneurs? Check out all of our interviews ⁠⁠⁠⁠here⁠⁠⁠⁠! Learn more about your ad choices. Visit megaphone.fm/adchoices

Think restaurant financing has to mean crippling debt or invasive investors? Think again. In this weeks conversation, Kyle sits down with Johann Moonesinghe, founder and CEO of InKind, a revolutionary financing model reshaping how restaurants grow and succeed. Johann shares his unique journey from tech entrepreneur to restaurant owner, and reveals how InKind has infused nearly $392 million into top-tier restaurants without the strings attached by traditional lending. From creating vibrant dining experiences at his own restaurants to funding celebrated groups like José Andrés, Johann is redefining financial sustainability in hospitality.

Everyone tells you to be debt-free—but what if that goal is a trap? Damon shares the story of Anthony, a man who paid everything off… and still ended up back in debt. In this eye-opening episode, Damon unpacks the real definition of debt (hint: it's not just credit cards and loans) and explains why the fantasy of “zero balance” might actually cost you more than it saves. If you've ever chased the scoreboard or felt like you're falling behind—even after doing everything right—this one's for you.You can reach Damon at https://DamonDay.com

The 'Thaba JV will give us significant chrome revenue, obviously with a lower-risk co-production model' – CEO Jaco Prinsloo.

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Loans are getting longer, interest rates are getting higher, and that shiny new car? It could lead to serious debt. We dive into Canadian data to help you make informed choices when it comes to buying, leasing, or walking away from a car loan that no longer makes sense.  Can I Buy a Car With Bad Credit? Car Buying Options Keep You In a Debt Cycle How GMC Revolutionized the Car Loan Industry DocumentaryWhat Not To Do When Getting a Car Loan DEBTASIZED - How Our Reliance on Credit Leads to Price Inflation FREE YouTube Doc Sign Up for the Debt Free Digest (00:00) – How to Get a Car Loan in Canada (02:00) – Exchange Rates & the Canadian Dollar Impact (03:30) – Used Car Prices Explained (04:30) – What Influences Interest Rates? (12:00) – Is Your Car Loan Secured? Risks of Repossession (13:30) – What Happens If You Miss Car Loan Payments? (15:00) – When and Why Do Lenders Repossess Cars? (19:00) – Smart Car Buying Tips: Save Money with Strategic Choices (22:00) – Car Leasing in Canada: Pros and Cons Compared (25:00) – How to Get Out of a Car Loan Legally and Strategically Visit us on social media for the best clips from the show and more!  Instagram Tik TokX Facebook LinkedIn Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Hey Rainmakers! Stephen here, and today we're tackling a topic that hits close to home for so many of us—debt and breaking free from its grip. In this episode, I'm joined by the incredible Jeremy Krulikowski, a debt expert, to talk about practical strategies for freeing yourself from financial strongholds. Whether you're drowning in debt or just want to make smarter financial moves, this episode is packed with actionable insights that could change everything. We kick things off by diving into some shocking stats on debt in America—credit card debt, personal loans, delinquencies, you name it. Jeremy breaks down the hard numbers, giving a real picture of the debt crisis we're facing. But here's the thing: you don't have to stay stuck. If you're in debt, you're not alone, and there's a way out. Jeremy shares his personal story of how he struggled with money anxiety after his father's passing and how his journey led him to create a system that helps people negotiate their debt—saving them up to 50% on what they owe. Jeremy's approach isn't just about cutting back—he's all about supercharging your income and finding smarter ways to handle your money. He introduces his CROSS framework for becoming debt-free, starting with negotiating your debt down (yes, it's possible to cut your credit card debt in half!). But it doesn't stop there. We also talk about addressing the root causes of financial struggles—mindset shifts, limiting beliefs, and emotional triggers that can prevent you from taking control of your finances. If you've ever felt like you were working hard but never getting ahead, this episode is for you. Jeremy's advice is straightforward, empowering, and easy to implement, so you can start building wealth, not just paying off debt. It's time to break free from financial stress and start building the life you deserve! Links for this episode: https://kingdomdebtsolutions.com/secrets?am_id=stephen953 Connect with us: ► Rainmaker Instagram: @therainmakerfamily ► Chelsey Instagram: @chels_diaz ► Stephen Instagram: @steezdiaz ► TikTok: @therainmakerfamily ► Facebook: @diazfamilylegacy ► Website: therainmakerfamily.com   Join Our Next Rainmaker Challenge - How To Make Passive Income From Home: https://therainmakerchallenge.com Save On Our Favorite Things: https://rainmakerfamily.com/deals Watch The Million Dollar Mama Case Study: https://www.makeitrainmomma.com/casestudy   Episode Minute by Minute:  0:00 - Introduction: Getting Real About Debt 1:00 - Shocking Stats on Debt in America 5:00 - Understanding Unsecured Debt and Debt Negotiation 7:30 - Breaking the Stigma Around Financial Struggles 10:00 - The Importance of Supercharging Your Income 14:00 - CROSS Framework for Getting Debt-Free 20:00 - The Power of Root Cause Healing for Financial Freedom 27:00 - Optimizing Your Money and Budgeting Smarter 33:00 - Supercharging Your Earnings Through Business and Career Growth 36:00 - Sustainable Investing: Making Your Money Work for You 38:00 - Final Thoughts and Next Steps

What documents need to be notarized? What can a notary do or sign, or not? How or when can notarized documents help you to get or remain debt free? On today's episode of The Crushing Debt Podcast, Shawn & George interview our friend, Amanda Loeffler, owner of I Need a Notary, a remote online notarization company.  That means Amanda can notarize documents anywhere and you do not need to be sitting with her physically to get something notarized (but you do need to prove your identity prior to signing). Amanda Loeffler is a wife to LCDR Jake Loeffler, USNR. (Go Navy!). Jake and Amanda have 5 awesome kids together. Amanda holds a Bachelor's Degree in Business and Organizational Leadership and Entrepreneurship from St. Petersburg College.    You can find Amanda and her team at www.ineedanotary.us.  Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.   Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.  The Pancreatic Cancer Action Network (PanCAN) Purple Stride Walk 2025 is now over, but you can still support research and education surrounding this disease, by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacy8  For 2025, we raised over $6,000 as a team, becoming the #7 largest fundraising team in Tampa Bay.  Thank you to everyone that participated, walked, or just sent positive thoughts. The link will be active until June 1, 2025.  After that, we'll start raising money for the 2026 Purple Stride Walk.

Money stress is everywhere right now — rising interest rates, the cost of living crisis, inflation, layoffs, and a looming recession — we're all feeling it. But the truth is, even in financially prosperous times, money can be a point of shame, anxiety, guilt, and avoidance for a lot of us. Your money history and money story shape your financial security throughout your life — but you can rewrite that story and heal your money mindset.In this episode, we dive deep into the psychology of money and how to heal your relationship with it, so you can stop toxic financial habits, rewire your mindset, and *actually* build long-term wealth.We called back returning guest, Jessica Moorhouse—Accredited Financial Counsellor, bestselling author of Everything but Money, host of the More Money Podcast, and a leading voice on personal finance and emotional literacy in financial wellness.This isn't just another budgeting or investing 101 episode… it's a mindset shift that can set you up for success in your personal finances and your close relationships. Whether you're  struggling with debt or making $250K, this conversation will help you stop self-sabotage, understand your unconscious toxic beliefs, and make an actionable plan toward financial security.Tune in to hear more about:The emotional roots of money anxiety, guilt, shame, envy, and fearUnderstanding the 3 toxic money patterns that keep you stuck (avoidance, money worship, and relationship codependence)The impact of shame and judgment in your financial journey — and how to break that shame cycleHow ADHD and neurodivergence can affect spending, saving, and money organizationHow your attachment style impacts your financial behaviour and the way you deal with money in relationshipsThe #1 mistake most people are making with moneyActionable advice for building wealth if you're in debt or low incomeHow to manage setting up an emergency fund VS paying off debt VS investingHow to recession-proof your financial plan right nowCheck out Jessica's book, Everything but Money.Follow Jessica on Instagram, YouTube, and her website.For advertising and sponsorship inquiries, please contact Frequency Podcast Network. Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadultSubscribe on YouTube

Making sure your child is college ready can be an overwhelming, confusing, and illusive process. How do you know if your child is college ready? What should you and your child be focusing on to ensure they are competitive and stand out throughout the admissions process? When should you even start thinking about college for your child and what are common pitfalls you need to avoid? These questions and more are the focus of this week's episode with the founder and CEO of College Ready, Shellee Howard. Shellee is a Certified Independent College Strategist and a best-selling author. She helps students gain admission to their best-fit colleges—often debt-free. Shellee has guided hundreds of students worldwide to top universities, ensuring they graduate debt-free and land jobs they love and she's on a mission to help one million families get into their dream school and graduate without debt. In this episdoe Shellee and I discuss: at what age you and your children should start preparing for college the 7 factors that contribute to your child standing out in the admissions process why the normal community service hours don't go far to make your child stand out and what they should be doing instead if college is still a worthwhile financial investment and how to ensure you get a positive ROI from your child's college investment what the "sweet spot" is for how many schools your child needs to be applying to the biggest mistakes Shellee see's students making during the admissions process (so you can avoid them) how to pay for your child's college using scholarships and the different types of scholarships available the biggest mistakes she see's parents making when applying for scholarships or financial aid the hidden costs of college that most parents fail to get prepared for If you'd like to connect with Shellee or College Ready, you can do so by using all of the links below. Enjoy!   Connect and Work with Shellee & College Ready: The College Ready Website Follow College Ready on Instagram: @collegereadyplan Buy Her Book: How To Send Your Student To College Without Losing Your Mind or Your Money Buy Her Book: The College Admissions Plan, Simplified Book a complimentary college strategy call START HERE:  FREE MASTERCLASS: Why You Impulse Shop & How To Stop Get Paige's Money Recommendations   Work with Paige: Join Overcoming Overspending HERE Use code “MLP30” at checkout to save $30 on your first month inside the program Where you can find Paige online: Website: https://www.overcomingoverspending.com  Instagram: @overcoming_overspending TikTok: @overcoming_overspending

On this episode of Retire Fit Radio, Nathan Fort discusses the challenges and strategies for navigating market volatility as retirement approaches. He emphasizes the importance of clarity in financial planning, particularly regarding Social Security and investment strategies. The conversation also covers the impact of economic recessions on retirement planning and the necessity of having a solid financial plan to weather these situations. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

On this episode, Gary Thurman and Bobby Futch discuss the financial habits of the middle class, emphasizing the importance of avoiding common mistakes, understanding the influence of one's environment, and recognizing the energy of money. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

You want a high-vibe money mindset that makes room for both Gucci and groceries right? Oh snap!!! Another unicorn present coming in hot! Forbes featured seven figure earner Nicole Cherie Hesse is bringing on another badass guest to help you level up fast and crush your unicorn goals.Nicole Saleme has the real talk on building savings, using debt as a tool (not a trap), and creating a money mindset that aligns with abundance not anxiety.You maybe asking who the F Nicole Saleme is and why the F you should listen to them… Well that is the first question Nicole is going to ask them. So push play and buckle up because it's about to get bumpy!You can connect with Financial Coach, Nicole Saleme

Duane Juaire joins Phil to share how he and his wife Ginny were blessed by Financial Peace University and how fun it was to travel to Nashville to do their Debt Free Scream on the Ramsey Show a few years ago.

A lot of people chase the dream of being completely debt free—but is that really the smartest move? In this episode, Kris Krohn explains why focusing only on paying off debt could actually hold you back. Living debt free might bring some peace of mind, but it won't build lasting wealth or freedom. Instead, Kris shares a better approach: creating steady residual income that works for you, even when you're not working.

Saving money: the basic idea is easy, but the reality for Canadians often presents unexpected challenges. Join trusted Ontario experts Doug Hoyes and Ted Michalos as they discuss “saving” in today's challenging economy. Learn how to calculate your personal savings rate, understand the obstacles many face (and strategies to overcome them!), and discover the true priorities, aspirations, and concerns driving those hard-earned Canadian dollars. (0:00) Defining Savings: More Than Just Money in the Bank (2:20) Calculating Your Personal Savings Rate (4:00) The History of Canadian Savings Rates: Trends and Insights (8:45) Canadian Savings Today: Analyzing Current Rates (11:00) Understanding Financial Vulnerability: Populations Struggling to Save in Canada (16:00) What Canadians Are Saving For: Current Financial Priorities (19:00) Setting Savings Goals: How Much Should You Aim to Save? (24:00) Practical Tips for Easier Saving (28:00) Debt vs. Savings: Prioritizing Your Financial Health 4 Personal Finance Ratios That Measure Debt Risk Debt Repayment Calculator How To Deal With Debt in Retirement Sign Up for the Debt Free Digest FREE Credit Rebuilding Course Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Spring is when many people spring clean their home. But how many of us Spring Clean our finances? How many of us declutter our debt? April is also Financial Literacy Month, and for most of the Country April is the month when income tax returns are due.  Did you file on time, or did you file for an extension? On this week's episode, Shawn & George talk about how to spring clean your debt, which is very similar to spring cleaning your home: (1) declutter - what expenses can you reduce or eliminate, (2) pick your cleaning tools - how do you want to eliminate debt, through consolidation, avalanche, snowball, or something else, and (3) stay organized - it's easier to remain debt free if you remain organized. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.   Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacy8  

The world feels more uncertain than ever, doesn't it? From unpredictable markets and rising costs to economic shifts and global inflation, there's no shortage of challenges to keep us on edge. Financial uncertainty is particularly stressful, especially when it leaves so many of us wondering what the best move is to protect what we've worked so hard to build. Recently, one pivotal question came up that many of you have likely asked yourselves as well: "Should I be doing something differently with my money right now?" We'll share our thoughts on that question in this episode. We'll explore why staying calm, creating a plan, and staying realistic about your goals can help ease the anxiety surrounding money in uncertain times.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

Send me a text! (I might answer you in an episode)Ready for a proven plan to get debt-free faster? In this episode, I share my FAVORITE debt payoff plan (inspired by Dave Ramsey himself). Perfect for anyone wanting a fast track to financial freedom, this episode covers two different paths to pay off debt, how to know where to start, and the secret to staying consistent (that most people miss).  LINKS MENTIONED:Increase your income with this Side Hustle Launch Plan

April13, 2025 AM - Debt Free Celebration (Raymond Culpeper) by Palace Media Services

Artificial intelligence is no longer just a futuristic concept – it's actively reshaping the landscape of scams and posing a significant threat to your financial well-being. Are you prepared for this new era of fraud? In this episode, we delve into the alarming ways AI is being used to create more sophisticated and personalized scams that could directly impact your debt. We'll explore how even familiar cons are evolving and, crucially, equip you with the knowledge you need to recognize the red flags and protect yourself online. (0:00) The Rise of AI Scams (2:00) The Growing Sophistication of Granny Scams (5:45) How Scammers Obtain Your Personal Information: Protecting Your Data (6:45) The Pig Butchering Scam: Understanding This Long-Term Financial Con (10:20) AI-Powered: How Technology Targets You (11:40) Recognizing Scam Red Flags: What to Do If You Suspect Fraud (16:30) Avoiding False Government Notices: Spotting Official-Looking Scams (21:00) Identifying False Advertisements: Protecting Yourself from Misleading Offers (23:30) Online Safety Tips: Protecting Your Finances (29:10) The Double-Edged Sword of AI: Benefits and Risks in the Digital Age Fraud Can Cause Debt Problems: Here's How To Stay Protected How To Find Legitimate Debt Consultants in Canada Sign Up for the Debt Free Digest FREE Credit Rebuilding Course Debt Repayment Calculator Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

In this episode, the hosts discuss the current economic climate, addressing concerns about a potential recession and its implications for retirement planning. They emphasize the importance of reviewing retirement plans, understanding economic indicators, and managing expenses effectively. The conversation also highlights common financial pitfalls, such as high-interest debt and unnecessary insurance costs, while offering practical advice for navigating these challenges as one approaches retirement. If you have any questions about your retirement planning call Guardian Investment Advisors 800-517-1575 or click here to visit our website. Planning, Retiring, Saving, 401K, IRA, TSP, 403B, TaxesSee omnystudio.com/listener for privacy information.

Discover the untapped sources of college funding that most families never know exist. Expert Nekole Shelton, who got two children through college without loans, reveals powerful strategies to maximize financial aid, negotiate better packages, and find hidden money for your child's education that go far beyond traditional savings plans.==========================================

Tax season doesn't have to be stressful—it can actually be an opportunity to improve your financial health! In this episode, we break down essential strategies to help you tackle tax season with confidence. Learn how to create a clear plan, avoid common mistakes, and use taxes to work for you—not against you. Whether you're a first-time filer or a seasoned pro, this episode is packed with tips to make tax time less overwhelming and more empowering.   Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

Send me a text! (I might answer you in an episode)Debt-freedom doesn't have to be complicated, stressful, or slow!My husband and I have tackled over $51,000 in debt (so far), and I'm pulling back the curtain on our money journey—the sacrifices, the setbacks, and the strategies that finally helped us gain traction, so you can do it too!You'll learn 4 key tips, including the surprising role of generosity and the BIGGEST money mindset shift we made that changed everything. I also talk about why I learned to love budgeting, the power of side-hustles, and how to make temporary sacrifices for long-term financial freedom. Join me as I share our honest story and the lessons we learned along the way—so you can feel confident and empowered on your money journey!LINKS MENTIONED:How to Start a Side HustleMy Favorite Budgeting App (not sponsored)

Ever feel like managing money comes with its own set of challenges? If you're neurodivergent, those challenges can sometimes feel amplified. In this episode, we welcome Licensed Insolvency Trustee Maureen Parent and dive into the crucial intersection of neurodivergence and debt, exploring how executive dysfunction, time blindness, and impulse spending can impact your financial life. Discover the power of habit stacking, mind mapping, "body-doubling" (hello, budget buddy!), and how tech can be a tool for embracing simplicity. Plus, we'll discuss guilt-free spending and why it's okay to invest in what truly supports you.  Tune in for actionable advice and a fresh perspective on navigating your finances! (0:00) - Understanding Neurodivergence: Impact & Why It Matters (4:45) - The Impact of Executive Dysfunction on Debt Management(7:00) - Strategies for Reducing Decision Fatigue in Finances(9:00) - Building Low-Effort Financial Habits with Habit Stacking(10:45) - How Time Blindness Can Affect Your Financial Planning (12:50) - Using Mind Mapping for a Visual Approach to Finances (14:00) - The Power of Body Doubling: Finding Your Budget Buddy (15:30) - Reframing Your Perspective on Financial Management (17:00) - Leveraging AI and Tech (or Simplicity) for Financial Success (20:00) - Coping Strategies for Impulse Spending (23:00) - Practical Financial Advice for Neurodivergent Individuals (and Everyone!) (27:10) - The Importance of Guilt-Free Spending and Investing in Your Needs Hoyes Michalos Effective Money Management Strategies Explore Credit Card Debt Relief Why We Overspend and How To Break Bad Money Habits Sign Up for the Debt Free Digest FREE Credit Rebuilding Course Debt Repayment Calculator Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized guidance from a qualified financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed.

Join Paul Jamison live from Equip Expo 2024 as he interviews Tony Rudolph about building a $500K net worth, living debt-free, and winning in business—plus get a sneak peek at what's coming to Equip Expo 2025 in Louisville, Kentucky. Relay's Online Banking: Click Here Connect with Paul: Click Here Equip Expo: Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Recommended Professionals: Horizon360 - Contractor Business Software Call Rail Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Paul's Most Popular Business Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash Disclaimer: Relay is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.

Book your complimentary financial consultation sessionhttps://calendly.com/wamalawellness/new-free-50-minute-zoom-coaching-consultation?back=1&month=2024-01Disclaimer:Note information shared is for educational purposes only. Thank you for your support!#JacentsWamala #debtfree #debtfreejourney #debtfreecommunity

On this episode of The Table with Anthony O'Neal, we're joined by Shakeemah Smith, a travel expert who reveals how anyone can explore the world for FREE—no credit card or savings required! She breaks down how to turn everyday purchases and essential living expenses into free flights, making travel accessible to everyone. Whether you're dreaming of international adventures or quick getaways, Shakeemah shares insider tips and strategies to make it happen without breaking the bank. If you've ever thought travel was too expensive, this show will change your mindset and show you how to see the world for less!✈️ Fly Free Challenge: https://www.anthonyoneal.com/flyfreeMentioned On Today's Show:**This video is kindly sponsored by Ethos!**

Ready to break free from debt? Many who have successfully navigated the journey to debt elimination share key lessons they learned along the way. In this episode, Art and Matt dive into six crucial insights from those who've achieved freedom from debt.Resources:8 Money MilestonesAsk a Money Question

Ever felt like you were crushing your budget, only to realize you've veered way off course? Same here! In this episode, we're getting real about how we got off track with our finances, the steps we took to regain control, and the lessons we learned along the way. Whether you're navigating overspending, forgotten subscriptions, or miscommunication with your partner, we've got actionable insights to help you reset and move forward—together.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

In the conclusion of his Lawn Care Life Conference talk, Andy Mulder shares the challenges he faced while building his $3.6M debt-free landscaping business, his reasons for staying debt-free, and how he recently purchased a new property for his shop without borrowing a dime. Connect with Paul: Click Here Save 50% off Equip Expo Tix w/ Promo Code PAUL Paul's Business Building Resources: Price Increase Letter Template Contract Templates Know Your Numbers Paul's Recommended Professionals: Horizon360 - Contractor Business Software Get a Professional Website - Footbridge Media The Landscaping Bookkeeper Call Rail Paul's Books: How to Build a Thriving Lawn Care Business Cut That Grass and Make That Cash

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!We unpack the journey to financial freedom for physicians, discussing how developing good money mindsets and financial habits can lead to extraordinary debt payoff success later in your career. No one will ever care more about your money than you do, so start caring today because whatever habits and behaviors you develop today have compounding interest.FREE DOWNLOAD -  7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locumsLINKS MENTIONED Wealth-Minded MD podcast Website - http://Wealthmindedmd.comQ&A and Suggestions Form - https://forms.clickup.com/9010110533/f/8cgpr25-4614/PEBFZN5LA6FKEIXTWFSend us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxSIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE!Have a question for the podcast?Text us at 833-230-2860Twitter: @drniidarkoInstagram: @docsoutsidetheboxEmail: team@drniidarko.comMerch: https://docs-outside-the-box.creator-spring.com