Podcasts about yesner law

Why are garage sales the perfect sales and negotiation training ground? What is the golden rule of negotiating? What are some negotiation tactics that work, and some that don't? Each year, in October and May, Shawn's neighborhood hosts a community-wide garage sale. Shawn has tested and practiced different sales techniques at these bi-annual events in a low-risk, low-pressure environment! Please go back and listen to these previous garage sale episodes, which have covered lessons such as: 68 - negotiations 86 - preparation 118 - patience 168 - preparation 241 - approach 270 - target market 373 - delegate 393 - sales presentation In this week's episode, Shawn & George talk about the benefits of practicing negotiation skills at a garage sale, some negotiation tactics that have worked for them and some that have not worked for them, and getting the younger generations involved early in selling and negotiation (lessons taught to Shawn's kids). 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  This link will be live until June 1, 2025, and then we start on the 2026 team and fundraiser.

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.

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.

Why are grocery prices so high? Is it because of tariffs? Is it because of supply chain costs, or the Bird Flu? And how can you continue to budget while the cost of most products continue to increase? On today's episode of The Crushing Debt Podcast, Shawn & George discuss these issues, including some strategies to deal with the rising cost of goods, including Budgeting Using Cash Envelopes (or a similar system) Buying off-brand products Using coupons or loyalty discounts Buying in bulk Eating everything you buy (no waste) Creating a meal plan Using a meal delivery service Making a list and sticking to it and More! Let us know what budget-conscious tools you use. If you enjoy this episode, 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 Purple Stride Walk is THIS SATURDAY, April 26, 2025.  

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  

How does your financial life change when you are childfree? What is the difference between FIRE and FILE? How does your investing change when you are childfree? How does childfree impact your estate planning and long-term financial goals change? How often have you asked a newlywed couple, "so when are you having kids?" How often have you asked a couple married long-term, "any plans for kids soon?"  There is a growing number of married couples who are childfree, sometimes for medical reasons, and sometimes by voluntary choice. How can people with kids be supportive of their friends who have chosen (voluntarily or involuntarily) to live a childfree life. On this week's episode of the Crushing Debt Podcast, Shawn and George interview Jay Zigmont, PhD, MFA, CFP. Dr. Jay and his wife are childfree, and it has profoundly shaped how they approach their finances. When Dr. Jay searched for financial advice, he realized that most of it assumes you have kids, which didn't align with their goals. That's why he founded Childfree Wealth®—to offer financial planning tailored specifically to the unique needs of the childfree community. You can reach Dr. Jay at his website, www.childfreewealth.com, and check out his book, The Childfree Guide to Life & Money, available on the website and wherever your favorite books are sold. 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. The Purple Stride walk is just a few weeks away, on April 26, 2025! You can join Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacy8. 

They took care of us, but what do we do when it's time to take care of them? Can you help care for your aging parents or grandparents, while also taking care of your kids? Do you find yourself a part of the "sandwich generation?" In this week's episode of the Crushing Debt Podcast, Shawn & George discuss the hidden costs and other pitfalls of helping the older generation, while still potentially taking care of a younger generation, and all while maintaining your sanity! We discuss topics like: Rising Medical Bills; Preventing Fraud and other Scams; Assisting with Financing and Budgeting; Whether you should be on your parents' bank accounts; Whether you should be on the title to your parents' home; How to responsibly spend savings or retirement; and What to do when siblings are involved. 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  

Did you get your 2024 Company Return filed on time in March, or at least get that extension filed? Did you already file your 2024 Personal Return, or are you waiting until the April deadline? What happens when you owe the IRS? This week's guest is Stephen Weisberg, who has over 10 years of experience representing individuals, businesses, and their owners with tax debt issues, audits, and other problems with the IRS and state taxes. Stephen is the lead attorney and founder of The W Tax Group. He works directly with clients and lead a team of attorneys, accountants, and administrative staff to help those with tax debt and other issues with the IRS or the state obtain the best possible outcomes. Shawn & Stephen talk about how tax obligations are created by: Improper Assessments Audits Unpaid taxes at the Federal and State levels Unpaid payroll taxes and the Trust Fund Recovery Penalty Unfiled Returns Plus we talk about some strategies for relieving the taxpayer from some of that debt, including negotiations with the IRS and Bankruptcy! You can reach Stephen through his website, www.Weisberg.Tax.  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  

Are you single and looking to date? How do you manage your budget and expenses while trying to put yourself out there to find a new friend, a new relationship, a new romance? On this week's epsidoe, Shawn & George talk about your budget and dating (whether single or dates with your spouse). Some do's and dont's: DO budget DON'T fake what you cannot afford DO be upfront about your money, your budget and your money goals DON'T loan someone money (regardless of how much you love them) DO take "budget friendly" dates DON'T ignore their red flags when it comes to money Remember, not only does dating require the cost of the date itself, but there are other expenses - like the cost of the dating apps, if you choose that route.  There's also the question of when you bring up money - the first date?  second?  first month?  first year? 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  

How does a single mom, with a minor child, recover from overwhelming debt? Does more income, and multiple businesses solve financial problems? On this week's episode of the Crushing Debt Podcast, Shawn & George talk to Shannon Miller-Lutz, the founder of SML Coaching, who empowers individuals to shift their mindset, overcome obstacles, and take bold action toward success. Known for her natural ability to coach, mentor, and be the “big sister” everyone needs, she combines real-world experience with deep personal development insights. Shannon found herself contemplating the legacy she wanted to leave behind. After building a successful, award-winning real estate business, she experienced burnout and felt a deep yearning for something more meaningful. But her journey wasn't always smooth—Shannon has started multiple businesses, faced deep financial struggles, and even filed for bankruptcy.  Listen to her story of struggle, sacrifice, and ultimately redemption, from a financial, emotional, health and spiritual perspective. You can reach Shannon at www.SMLCoaching.com.  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  

Have you ever had a relationship that started out amazing, made you feel like you had everything you ever wanted, until one day you realized it was ruining your life? No, we're not talking about your ex, we're talking about your credit card! Let's talk about the warning signs of a toxic financial relationship and how to finally break up with debt for good! At first, you go through the honeymoon phase, until the bills start to show up and suddenly the APR is 25%! What red flags do you see with your credit cards? Minimum payments that never make a dent? How do you break up with your credit cards? How do you move on and stay strong? 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  

What happens if you are in a situation where you need to sell your house?  You're in foreclosure? Or you've filed a bankruptcy? How can you avoid predators and scams if you're in a situation where you're forced to sell your home, or if you're in financial distress? This week's guest on the Crushing Debt Podcast is Sandra Cantu, who brings over 25 years of real estate expertise and a deeply personal understanding of homeowner challenges. Her journey from facing foreclosure as a single mom to becoming a trusted cash home buyer across New York, Arizona, and Florida has fueled my passion for helping homeowners in distress. You can reach Sandy at info@SandyBuysHouses.com or Info@FloridaProbatecare.com. Please let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CD20. Being sick is terrible, but Shawn has been using Magic Mind to focus when the sinus medicine causes some cloudiness! 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   Also check out George's webinar on Money Mindset, on Tuesday, February 25th at 6 PM EST: From Overdrawn to Abundance: https://www.shawnahuber.com/money-mindset-webinar  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  

What are some comfort lies you tell yourself about money? What are some future lies you tell yourself about money? What are some identity lies you tell yourself about money? In this week's episode Shawn & George talk about the money lies we tell ourselves.  Things like: I deserve it. I'll start saving when I make more money. Everyone has debt, it's normal. I'll work forever, so I don't need to save for retirement. Investing is too risky; I'll just keep cash. I'll make it up later. I'm just not good with money. More money will solve my problems. I have plenty of time to figure it out. What are some money lies that you tell yourself. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CD20. Being sick is terrible, but Shawn has been using Magic Mind to focus when the sinus medicine causes some cloudiness! 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   Also check out George's webinar on Money Mindset, on Tuesday, February 25th at 6 PM EST: From Overdrawn to Abundance: https://www.shawnahuber.com/money-mindset-webinar  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  

What are the five money personas? What are the four "F's" of money (nots this is not an explicit] episode). How do dopamine, endorphins, oxytocin and seratonin factor in to your attitudes about money? On this week's episode of The Crushing Debt Podcast, Shawn & George talk to Gino Barbaro of the Jake & Gino Show to talk about your attitudes towards and relationship with money.  Gino is a published author, Wheelbarrow Profits, The Honey Bee, Family Food and the Friars, and his latest book Happy Money, Happy Family, Happy Legacy.  Gino is also a real estate investor, having grown his real estate portfolio to over 2,000 multifamily units and $250 million in Assets under management.  When dealing with money, are you Amy the Avoider, Steve the Saver, Gary the Gambler, Ivan the Investor, or Sara the Spender.  Once you identify your attitutde towards money, you can then better take control of your money. You can find more information about Gino and his books at his website, www.Barbaro360.com. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CD20. Recently, Shawn battled a sinus bug. Magic Mind helped him focus on those days when the bug wanted to keep him in bed! No sugar rush, no sugar crash, all natural ingredients to help you focus. And Magic Mind now has a sleep formula too! 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  

Do you get a tax refund every year?  Is that a good thing? If you're in financial distress, what can you do with your tax refund? On this week's episode of the Crushing Debt podcast, Shawn & George talk about tax refunds, how tax refunds are treated in Chapter 7 or 13 bankruptcy, what to do so that your refund is less but your take-home pay is more, and other topics related to bankruptcy. For example, did you know that Child Support and Alimony are not dischargeable in a bankruptcy? What about Homeowner Association and Condo Association liens? What happens to a debt in bankruptcy when one co-signor files for bankruptcy but the other does not? Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CDJAN. Magic Mind wants you to build your mental wealth in 2025, and that starts with getting the right amount of sleep, and focus. Magic Mind now has a sleep formula to help you when you can't fall asleep.  Use the code above for 45% (!!) off a combo sleep and focus formula. 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  

Do you want an extra hour each day for yourself? For your employees? Do you know the purpose of work meetings? Who spends more time working on priority activities? How is AI changing productivity? The three areas of life that people tend to focus on the most: (1) body image, (2) time management and (3) financial management. On this week's episode of the Crushing Debt Podcast, Shawn & George spend a very efficient amount of time talking to productivity expert Mark Ellwood.  Mark is the president of Pace Productivity Inc., and the author of A Complete Waste of Time, Cut the Glut of Email, and The Poetic Path to Getting More Done, which can all be found on his website, www.GetMoreDone.com.  We talk about measuring productivity, how emails are an unnecessary waste of time (unless you're reading the email about this episode), and how everyone at the meeting has the right & responsibility to improve the dynamics of the meeting.  We talk about how time management and financial management relate, and how improving your time management can help improve your financial management. You can also reach Mark via email at Mark@GetMoreDone.com 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  

What will Monday, January 20, mean for you? What political party has a majority in the Federal House of Representatives and Senate? What political party has a majority in the Florida House of Representatives and Senate?  In your home state?  And what will that all mean for you, your family, your wallet? Back in Episode 440, Financial Literacy and Politics, Shawn and George discussed similar issues following the results of the 2024 Presidential Elections.  As a result of that show, we met Jamie Miller, this week's guest. Jamie is the former Executive Director of the Republican Party of Florida, a US Senate Campaign Manager, Director of Field Operations for the FL 2000 Elecection & Recount, Lead Consultant for the North Carolina House Caucus 2010, a podcaster, blogger and published author (PR Handbook, Crisis Communications).  Not just a Hemmingway look-alike, Jamie talks about the Election Results, and how a majority for one political party impacts the fiscal policies of both the Country and local municipalities. We also discuss inflation, the FL insurance market, and how President Trump's policies may impact the Country over the next four years and beyond. To be fair, we would be open to interviewing any Democrat-party leadership on the same topics. If you have an interest in being on the show please reach out! You can contact Jamie at MillerStrategiesLLC@gmail.com, or listen to his podcast at www.ReasonableArguments.com, also his blog at www.ReasonableArguments.blog.  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 

Happy New Year! What Resolutions did you set for yourself this year? What is it about the New Year that makes us want to set Resolutions? How can you ensure that your resolutions don't drift away after a few weeks or months? On this week's episode of the Crushing Debt Podcast, the first of 2025, George and Shawn talk about mindset, momentum and motivation, celebrating small victories, learning from setbacks and measuring yourself after where you started rather than your goal. How much do you need in emergency funds?  Check out this site: https://www.nerdwallet.com/article/banking/emergency-fund-calculator?msockid=2dc6f4b8f8c961fc04a4e6cdf959609d What are some of your New Year's Resolutions?  Let us know and we can hold each other accountable together! Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CD20. Look for a new promotion from Magic Mind, coming soon! 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  

Merry Christmas, Happy Hanukkah, and Happy Holidays from all of us at The Crushing Debt Podcast.  We hope you had a great holiday season. This is our last episode of 2024, but we'll be back next week with all new episodes and some great content for 2025. The holiday season brings a lot of things - family, presents, food, songs, and especially movies! There are some great holiday movies - Home Alone, Christmas Vacation, Elf, Scrooged, The Grinch, It's a Wonderful Life, A Christmas Story, Jingle All the Way, Polar Express, The Santa Clause, and others. What money lessons do we get from these movies?  That is the topic of today's episode.  Plus, we answer the age-old question, is Die Hard a Christmas Movie (and what money lesson does it teach us)? Let us know some of your favorite movies and the money lessons learned from those movies. If you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CD20.  It's still not too late to get someone a late present - the present of focus, without the sugar high or the sugar crash, with all natural and great-tasting ingredients! 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 2025 PanCAN team, Legacy Striders: http://support.pancan.org/goto/MYLegacy8  

What goals did you accomplish in 2024? What financial accomplishments did you achieve in 2024?  What were your financial wins? What goals will you set for 2025? In our second to last episode for 2024, Shawn & George talk about their own personal and business financial goals, for themselves, their families, their companies, and for the podcast! What do you want to see from our show in 2025 (and beyond)? Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CD20. There's still time to get 20% off any stocking stuffers for Christmas. Or use Magic Mind to boost your focus as your conquer 2025! 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  

What is it like to rebuild after a foreclosure, after a bankruptcy? What is the real cause of foreclosure, bankruptcy and financial distress? While we have talked about these topics before, this week's guest overcame all of it to form a non-profit that helps people who find themselves in this situation. This week, Shawn & George interview Michael Russell, with Hope 4 Harship, and also the President/Owner of Century 21 Signature Properties, one of the original CENTURY 21 franchises in the country. Hear Micheal's story about divorce, foreclosures, short sales, bankruptcies, and how he overcame that financial distress. We talk about how banks really don't want to foreclose, and how they want to offer assistance (which may or may not be home retention).  We talk about partial claim mortgages, loan modifications, forbearances and the pros and cons of each.  We talk about judicial and non-judicial foreclosures and the differences between them. And yes, we talk a little about bankruptcy. To contact Michael: Hope 4 Hardship - Website: Help4hardship.org (508) 728-6465 Email: help@hope4hardship.com LinkedIn - https://www.linkedin.com/in/mike-russell-3395baa/ Facebook – Company page – https://www.facebook.com/Hope4Hardship Century 21 profile  - https://www.century21.com/real-estate-agent/profile/michael-russell-P25357887 Media Contact – To arrange for a phone briefing or segment, contact - Steven V. Dubin, PR Works, Office – (781) 582-1061, Mobile – (781) 864-1837, Email – Sdubin@PRWorkZone.com Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CD20. Unfortunately, the 50% Black Friday Special has ended, but you can still get 20% off your first order with this code! Shawn & George both use Magic Mind for increased focus, with no sugar high or low! 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 

Welcome to December! We hope everyone had a great Thanksgiving holiday and you were able to reflect on what you are thankful for this year. Now we focus on the holidays, which means buying gifts (which is amplified in Shawn's household with the addition of multiple family birthdays in the month of December). How do you control your holiday spending?  Do you control your holiday spending? In this week's episode Shawn & George talk about different ideas to keep holiday spending under control, including ideas like: Shopping on Black Friday, Cyber Monday, etc. Setting a Budget Taking advantage of holiday deals Shopping early (before Thanksgiving) Using all those reward points you've been saving throughout the year Avoid shipping (order online and pick up in the store) Buy wrapping paper and other supplies at discount stores DIY Presents Set expectations on kids' gifts Set spending limits Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CDBF.  For one more day only, if you're listening to this on the day of it's release, ending on December 6, 2024, use this code to get FIFTY (50%) off your order of Magic Mind! A great stocking stuffer that includes most of the tips from today's episode to crush your debt! 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.

Happy Thanksgiving from all of us at the Crushing Debt Podcast! What financial milestones did you hit this year? What financial wins did you have this year? Do you look forward to Black Friday, or do you dread it (and do you notice that it gets longer and longer every year)? How do you save money or stretch your budget every year during the holidays? George and Shawn talk about all of these topics and more on today's episode. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CDBF Magic Mind is running a Black Friday special, only through December 6, 2024. If you're listening to this episode before that day, use the special code attached to this email to get FIFTY PERCENT (50%) off your order of Magic Mind.  Magic Mind makes great stocking stuffers and, at 50% off, you can't go wrong! 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. 

Red or Blue? Republican or Democrat (or some other political party)? Our goal on this week's episode is not to debate one candidate over another, or one party's philosophy over another's, but we did think we would take time after the recent election to talk about the various fiscal policies proposed or promoted by the candidates. How will President Trump's reelection impact areas like: Crypto Gas & Energy Prices Interest Rates (specifically possibly limiting credit card interest rates) Tarriffs the Affordable Care Act (Obamacare) Student Loans Tax Proposals Rather than promoting or criticizing one candidate or one party's position, we simply discuss what the candidates wanted to accomplish around these financial topics and more. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CD20. With Thanksgiving fast approaching, focus is more important than ever. Magic Mind helps us to stay focused on work and productivity with no sugar high or sugar crash, and it tastes great! 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/MYLegacyStriders08  

How do you teach your kids about money? How do you teach your kids to save money? Is it better to invest in a Certificate of Deposit (CD), Money Market Account, IRA, College Plan, or something else?  Do your kids know the "Rule of 7?" This week's Crushing Debt Podcase episode is inspired by Shawn's son's Bar Mitzvah, where he received quite a bit of money in the forms of gift cards, checks, cash, and even a portion of a Real Estate Mortgage and Note.  That got us to thinking - how do you teach your kids about money? What is more important - short term or long term? How important is learning patience when it comes to money? Do you get the kids something tangible to represent the investment? We answer these questions and more on this week's episode. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CD20. Shawn has been using Magic Mind to crank out work with no sugar high or crash and no impact on his diabetes! 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/MYLegacyStriders0 8  

What is Zombie Debt? How do you resurrect your finances after debt rises from the grave? How do you protect yourself from old debt? What happens when debt expires? Happy Halloween!!  Debt doesn't have to be scary, but debt that resurrects itself can be.  What is more scary than debt is burying your head or ignoring your debt.  In the State of Florida, debt is valid for 20 years from the time a judgment is entered (and we have seen one or two cases where the creditor filed to extend the debt beyond it's 20-year life). In some cases, creditors are trying to collect debt that has been discharged in bankruptcy, that has been expired, or that is beyond the statute of limitations. What can someone do in a scenario like this?  How can you protect yourself? That's the subject of today's podcast episode. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CD20 and enter code CD20. Shawn has been using Magic Mind to crank out work so he can go trick or treating with his kids, with no high, no low, and no sugar impact or crash! 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/MYLegacyStriders08  

How can you get the government to give you money to pay rent, mortgages and utilities? Is grant money easy to get?  Do you have to pay it back? This week's episode is one of the few that carry an "Explicit" tag, so if you don't like the occassional bad word, please skip today's episode and we'll talk to you again next week. This week's guest is Matthew Lesko, a renown expert in government grants and financial aid, known for helping individuals access funding opportunities. He has been studying grants for nearly 48 years, has been awared two New York Times Best Sellers, and has been a syndicated columnist for The New York Times and Good Housekeeping Magazine. Shawn & George talk to Matthew about government grants including how to get them, common misconceptions, and other useful websites and resources to get FREE MONEY! Specifically, some of the sites mentioned: www.trylesko.com www.sba.gov/local-assistance www.eda.gov www.findhelp.org www.careeronestop.org www.commoncause.org/find-your-representative www.eldercare.acl.gov There are TONS of resources out there to help you with starting a business, disaster funding, veteran's benefits, etc. You have to do some due diligence and research, but you can find sources that will grant you various amounts of money. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CD20. Use the code "CD20" - a NEW code - to get 20% off your first order of Magic Mind. Now that Hurricane clean up is under way, Shawn & George have been using Magic Mind to stay focused, and get clean up completed so we can get back to work. It tastes great, has all natural ingredients, with no high and no crash! 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/MYLegacyStriders08  

How well do you know your financial slang? How often do you use financial slang? Back in Episode 433, we discussed some new terms - HENRY (High Earner Not Rich Yet), ALICE (Asset Limited, Income Constrained, Employed) and DINK (Dual Income No Kids).  That got us to thinking, what other slang words are there? We have some of the common ones: Paycheck to paycheck FOMO (Fear Of Missing Out) YOLO (You Only Live Once) Underwater Credit Rich, Cash Poor Broke AF Sandwich Generation However, we found some lesser-known, but still slang terms. To learn what these mean, you'll have to listen to today's episode: Fat Finger Muppet Flexing v. Low Key Rich Cockroach Theory Eat Your Own Dog Food Tip from a Dip Financial Glow Up Cookie Jar Accounting Money Moves Which ones do you know? Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20.  Our code is changing soon, so use this code NOW for 20% off your first order. Especially with a hurricane(s) approaching, Magic Mind has been useful for Shawn & George to clean and prep their homes in advance of Milton's arrival.  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/MYLegacyStriders08  

What do you do after a storm or other natural disaster? Last week, Hurricana Helene impacted Florida, Georgia, Tennessee and the Carolinas. While the eye of the storm didn't directly hit Tampa Bay, this area suffered a tremendous amount of storm surge and flood damage. We hope that our listeners made it through the storm okay, but we recognize that many of our friends, family and listeners were not so lucky.  The purpose of this week's episode is to provide resources to assist those of you impacted by Hurricane Helene, or if you are impacted by some natural disaster in the future. Some things you should immediately do: Call Your Insurance Carrier Call A Restoration Company, Public Adjuster, Contractor Call the Bank Tap Into Your Savings if necessary Be Careful about Fraud Let us know if you need anything following Hurricane Helene, or share this episode with friends who may need some help! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20. Especially in helping with storm clean up, Magic Mind has been great to provide an energy and focus boost with no high, no low and no sugar crash! 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/MYLegacyStriders08  

Where do you get your financial advice? TikTok or other social media? From a Financial Advisor, CPA, or attorney? From parents or friends? In this week's episode, Shawn & George take a look at some common tips that most people promote as financial advice. What can we debunk, what can we learn from, what is solid advice? Things like: Budget Get Out Of Debt Live on Less Than You Make Save Money What other financial advice have you received? What has been good about that advice? What has been bad? Please reach out and share your pros and cons of verious financial advice you received! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20. Get focused, with no sugar high and no sugar crash, plus it tastes great! 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/MYLegacyStriders08  

Who is H.E.N.R.Y.? Who is his friend A.L.I.C.E.? What are some signs that you might be dealing with a H.E.N.R.Y.? In 2003, Shawn Tully wrote an article for Fortune Magazine introducing us to H.E.N.R.Y. - High Earner Not Rich Yet.  This is someone who makes between $250,000 and $500,000 per year, but because of taxes, housing and family costs, basically lives paycheck to paycheck.  In this week's episode, George and Shawn talk about H.E.N.R.Y. and his friends, A.L.I.C.E. (Asset Limited, Income Constrained, Employed) and D.I.N.K. (Dual Income, No Kids). What are the pros and cons of being H.E.N.R.Y.? How can you break the cycle to become rich and stop being H.E.N.R.Y.? How can you climb out of the hole if you're A.L.I.C.E.? Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20.  Great taste, focus throughout the day, no sugar high, no sugar crash! 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/MYLegacyStriders08  

What would you do if you lost it all? How would you recover after the crash of the market? In today's podcast espidose, Shawn & George talk to Kevin Bupp, a real estate investor, podcast host, and best-selling author.  Kevin had over one hundred single-family homes until the Great Recession in 2008, when he found himself in foreclosure and lost everything. Slowly, he rebuilt his financial life and today is again a successful real estate investor focusing on mobile home parks,  parking lots, and other commercial deals through his private equity firm, Sunrise Capital Investors.  Find out the secrets to Kevin's success in today's episode. You can listen to Kevin's podcast, "Real Estate Investing for Cash Flow" wherever you listen to podcasts.  You can pick up a copy of his book, "The Cash Flow Investor." You can also connect with Kevin: Email: Kevin@KevinBupp.com www.Linkedin.com/in/KevinBupp www.facebook.com/KBupp www.instagram.com/buppkevin www.youtube.com/user/KBupp Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20. Focus, energy and great taste, without the sugar high or crash. Both Shawn & George use Magic Mind regularly to help power through the day! 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/MYLegacyStriders08  

George has been a co-host of the show for more than two years, but what the heck does he do? We know what a swing coach would do in golf, what a pitching coach would do in baseball, what a QB coach would do in football, even what a business coach would do for a business owner, but what does a financial coach do? On this week's episode Shawn & George discuss Financial Coaching. What it is and what financial coaches do for their clients, which is basically: Establishing good habits around money, or helping to identify bad money habits; Accountability; Financial literacy; Identifying your "why" around money; and Motivating you. When you step back and look, this is what any coach would do on any subject, really.  We also talk about how to choose a financial coach, and what things you should look for in a financial coach. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20. Shawn and George have been using Magic Mind to help improve focus and energy with no crash and no inability to get to sleep! 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 new 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/MYLegacyStriders08  

What lessons would you tell your younger self? What lessons did you learn that you want to pass off to your kids? In this week's episode, George & Shawn talk about what they've learned that they can pass on to their kids, or things they might do differently if they could rewind time. Things like: Be intentional in your money decisions. Don't keep up with the Joneses. Have a plan or a budget. Money attitudes & behaviors. Financial literacy. Cook as much as you can. If you can't pay cash, don't buy it. What other money lessons have you learned that you would tell your younger self or your kids? Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20. Shawn has been using Magic Mind to increase focus and crank out work with no crash and no inability to get to sleep! 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/MYLegacyStriders08  

What is your favorite roller coaster? Are you a fan of wooden coasters? Thrill-ride coasters? Coasters that go upside down? Coasters contained totally inside? What is your favorite theme park? Would you take out a loan to fund your vacation? Would you fund your vacation with credit card debt? What are some money-saving techniques that you can implement to reduce the cost or expense of your vacation? Shawn & his family just got back from a trip to Disney World in Orlando, Florida. One of our listeners (thanks Ford Kyes!) sent us an article titled "Disney World Beckons These Families. So Does Debt" from the Tampa Bay Times: https://www.tampabay.com/news/business/2024/07/31/disney-world-beckons-these-families-so-does-debt/ In this week's episode, Shawn & George talk about how to vacation on a budget. And while Disney is notorious for being expensive, this is not a conversation limited to Disney. It applies to all the theme parks equally - Disney, Universal Studios, Legoland, Six Flags, Great Wolf Lodge, etc. For example: Is it worth it to buy the pass to skip the line? Do you stay in the park hotel or offsite? Do you have to book airfare or can you drive to the theme park? Are there any resident or other types of discounts? Do you bring food and snacks versus buying them in the park? Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20. Shawn & George have been using Magic Mind to crank out work and it has helped their focus and energy with no crash and no inability to get to sleep! 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/MYLegacyStriders08  

What would you do if Money were no issue? What stage of life are you in currently, and how does that change your plan for your Money, how does that change your goals around Money, and how does that change how you think about Money? Are you ready to transform your financial future? After a one-week hiatus (sorry - summer vacations got in the way of recording), Shawn & George are back to talk to Sara LaChance, owner, founder and financial coach at Flourish Coaching. Sara wants to help people and prevent the mistakes, arguments, and stress that accompany money. Money is a powerful tool that can be used for so much good. Sara hopes to help people achieve their money goals and make real change in the world. Sara works with and has programs for Independent Adults, Newly Engaged Couples, Married Couples and Business Owners, but she focuses on Divorced Women and Single Moms.  You can reach Sara at: Her website - www.WeAreFlourishCoaching.com Email - Sara@TheFlourishCompanies.com Instagram - @she_fights_for Facebook - Sara LaChance Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20. Shawn has been using Magic Mind to crank out work since being back from vacation, and it has helped his focus and energy with no crash and and no high. 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 support Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

Have you contributed to someone's GoFundMe? Have you helped a friend with a Kickstarter Campaign? What lessons can you learn from Skeletor? In this week's episode Shawn & George talk about Crowdsourcing or Crowdfunding. What are some things you can do to help, and what are some things you should avoid?  What are the various platforms available - although there are likely TONS more out there than what we cover in today's episode, including: GoFundMe Patreon (our favorite - https://www.patreon.com/crushingDebt) Raise Right Kickstarter Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20. It keeps us focused and energized all day with no crash and no inability to get to sleep! 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.   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/MYLegacyStriders08  

What is the biggest trap in real estate investing? How can you avoid it? What lessons can you take from what has happened to others in this scenario? In this week's episode, Shawn tells the unfortunate story of clients of his, and what happened to them happens more often than you would think. Imagine buying property at the Courthouse Auction. You think you've bought your dream home and, not only that, but you bought it at a GREAT price!  Then, all of the sudden, you learn that in order to keep this dream home or investment property, you need to pay MORE money to eliminate more liens and mortgages! How is this possible?  Shawn tells the unfortunate story of how an investment of about $400 would have saved his clients $180,000!  What could these clients have done differently? What could each of the parties involved have done differently? We have discussed these issues in previous episodes, including: Episode 73 - Surplus Funds and Associations; https://yesnerlawpodcast.libsyn.com/episode-73-surplus-funds-and-associations Episode 71 - Listener Questions; https://yesnerlawpodcast.libsyn.com/episode-71-listener-questions-answered  Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20. Shawn has been using Magic Mind to crank out work in anticipating of being away on vacation for the next week, and it has helped focus and energy with no crash and no inability to get to sleep! 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 new 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/MYLegacyStriders08  

Happy Fourth of July! What are some ways that you celebrate this, or any other holiday, and save money? On today's episode of the Crushing Debt Podcast, Shawn & George talk about a few different ways that you can celebrate a holiday without breaking the bank. We would love to hear your tips, or if we forgot anything. Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20, the World's First Mental Performance Shot. 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 new 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. You can also support Pancreatic Cancer education and research by joining Shawn's team, MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

When do you tip? Do you tip based on the bill?  Pre-tax or post-tax? Do you increase or decrease your tip based on service?  What is the minimum or average tip you typically give? This week's episode is inspired by a listener / previous guest Sue Reynolds (you can hear her episode, 248, here: https://yesnerlawpodcast.libsyn.com/when-you-cant-pay-your-mortgage-episode-248). Sue asked when and whether we tip, which is a topic we've never before discussed on the show! How do you avoid tip shaming?  Do you tip at a fast food restaurant? Do you tip the owner when the owner provides the service to you? What is standard these days and is it based on industry - for example food service versus haircuts?  When you tip, but you've received a discount, do you tip on the pre-discount or post-discount amount?  Or do you tip a flat fee regardless of the cost? Should servers at more expensive restaurants make more in tips simply because their food is more expensive?  Should wait staff make more in tips simply because they served a table that also orders alcohol versus a table that does not? George and Shawn discuss all of these issues, and give real life examples of when they have (or have not) tipped. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20, the World's first productivity energy shot. We love how the Magic Mind shot keeps us focused without a high or a crash! 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.  If you want to leave Shawn & George a tip, you can visit 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. You can also help support efforts to diagnose, educate (and one day cure) pancreatic cancer at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

What is the secret to holistic success? How to get holistic success? What are the five E's to holistic success? This week's guest on the Crushing Debt Podcast is Jesse Johnson, Founder and CEO of Champion Empire. We talk to Jesse about his amazing story and why he does what he does. Jesse and his companies have helped his clients pay off over $5 million in personal debt, and increase their take-home income.  You can contact Jesse at: Jesse@championempire.net LinkedIn @jesse-johnson-champion www.ChampionEmpire.net Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20 The World's First Mental Performance Shot!  Use our code for 20% off! 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 new 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. You can also support Pancreatic Cancer research and detection by joining Shawn's team, MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

What in the heck does "Spaving" mean?  Should you buy the BOGO? Should you buy something just because it is on sale? Buy 3, get the fourth free - good deal or no? This is a week of returns for the Crushing Debt Podcast.  George is back after a one-week hiatus. And we welcome back a former sponsor - Magic Mind!  I'm sipping my Magic Mind as I post today's show. I drink it with my morning coffee and it helps me to stay focused all day, without the jitters! You can learn more about spaving by listening to this week's episode, and you can check out these articles: Americans can't stop ‘spaving' — here's how to avoid this financial trap (aol.com) Here's how 'spaving' could hurt your finances (msn.com) Let us know if you get caught Spaving and, if you enjoy the podcast, please share it with your friends! Please also visit our sponsors: Magic Mind - https://www.magicmind.com/CRUSHING20  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 new 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 to support Pancreatic Cancer education and research, please join our team - MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

Do you enjoy paying taxes to the government? Do you want to keep more of your profit or gain from the sale of assets? Do you know the Tax Code Section, that has been in existence for a little more than 100 years to help (at first) farmers to defer gains on the sale of assets? This week's guest on the Crushing Debt Podcast is Dave Foster, a nationwide qualified intermediary for 1031 exchanges. Dave has built his business around a model of education, teaching continuing education courses for Realtor associations throughout the country, as well as educational investor webinars for title companies, attorneys, and real estate brokerages.  Dave advocates for the strategic use of defering tax gains using section 1031 of the Internal Revenue Code (the 1031 Exchange). Dave is an example of using the tax code to his advantage  over the years to position his investment portfolio to buy and live on a sailboat for 10 years raising his children. Dave didn't start with 1031 Exchanges, but learned the hard way when the government took 40% of the profits from one of his first sales in the form of taxes.  Shawn talks to Dave about some of the benefits of using Section 1031 as an investment strategy. You can contact Dave at Dave@The1031Investor.com or visit his website www.The1031Investor.com.  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 new 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 we are always accepting donations to support Pancreatic Cancer education, detection and research by joining Shawn's PanCAN team, MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

Can you spot a scam? Do you know when someone is trying to hack your accounts? Have you ever been a victim of fraud and how can you avoid it? This week's episode starts with a letter that Shawn received from the Social Security Administration. Shawn has been getting a lot of mail lately from the SSA because of benefits for his late wife. However, this letter was address to Shawn's son (red flag), included his wife's cell phone number (second red flag), asked that his son have his bank account information handy (MAJOR red flag), said that Shawn's son had requested the appointment (no he didn't), and provided a date and time when an SSA representative would call him (GINORMOUS RED FLAG). What would you do in a situation like that? What did Shawn do? George and Shawn also discuss other hacks, like sim card hacks, and ways to prevent or monitor and quickly catch potential hacks. If you want to hear how Shawn dealt with this, then listed to today's episode! If today's episode has value, 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 new 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 you can support Pancreatic Cancer research and education by donating to Shawn's PanCAN Team, MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08 

This is a question I get quite often - "How much debt do I need to have in order to file bankruptcy?" The answer might surprise you - it depends! Are you self-employed? Have you had a drop in income? What type of debt do you have? Business debt? Medical? IRS? Typically, our answer is that you need to have more debt than you can repay over a reasonable period of time.  So someone with $30,000 in debt who makes $50,000 per year may be a good candidate for bankruptcy. Whereas someone with $100,000 in debt who makes $1 million per year may be a bad candidate for bankruptcy. Today's discussion stems from a conversation George had with a potential client. This person bought a new car for $25,000, with payments of $725 per month on a 5-year loan at 20% interest! If you want to become debt free within a reasonable period of time, and you have some disposable income at the end of the month, please review the Money Max system: https://www.moneymaxaccount.com/yesner 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.  

What are the benefits of owning your commercial building? What are the drawbacks of owning your commercial building? Are you a small business owner, worried about how you're going to fit in your current lease space? Maybe it's too small, maybe it's too big, and maybe your space could provide an additional source of revenue to your business! Finally, what special milestone is the Crushing Debt Podcast celebrating with this episode? Shawn & George have talked before about the pros and cons of owning versus leasing when it comes to your primary residence and your car, but today, we talk to Paul Neal, author of the book "Un-Lease Your Business: Unlock Wealth, Autonomy and Control By Buying Your Building and Firing Your Landlord." Paul is a commercial real estate financing expert specializing in guiding business owners just like you to buy their first piece of commercial real estate.  George and Shawn talk to Paul about owning versus leasing, business credit, the availability of space for your business, and other related topics. You can find Paul, and get a copy of his book at: www.OwnYourBuildingNow.com, or on Amazon. As we celebrate George's two-year anniversary as co-host of the podcast, 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 new 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. We are proud to have raised over $12,000 to support Pancreatic Cancer research and education. Although the Purple Stride walk is over for 2024, there's still an opportunit to join Shawn's team for next year's walk and to continue to support the families impacted by this terrible disease. Visit MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

What factors make up your credit score? How does your score increase and decrease? What are some credit myths? What does FICO stand for? There are five factors that make up your credit score: Payment history (35%) Credit Utilization (30%) Length of Credit History (15%) Credit Mix (10%) New Credit (10%) In this week's episode, George and Shawn talk about your credit score, the way the five factors above increase or decrease your score, and why your score is important. You can read Shawn's blog post here: https://www.yesnerlaw.com/five-factors-that-make-up-credit-score/ You can also check your score, for free, at https://www.annualcreditreport.com/ which is the only free credit report site supported by the United States Federal Trade Commission (FTC). 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 new 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.  While this year's Purple Stride walk is over, you can still support Shawn's team to fight Pancreatic Cancer at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  

Where do you shop for everyday necessities? Can you save money by switching to an online shopping club? Can you save money by switching stores? Can you generate money by shopping? Can you use shopping to get out of debt? This week George and Shawn talk to Mark Roth with The Patriot Shopping Club. Mark works with the largest online shopping club in North America and can help you to save money and generate income based on where you shop and what necessities you shop for online. Mark is a Dave Ramsey Financial Coach, who completed Financial Peace University in 2019. In 2018, Mark was in about $150,000 of debt. Today, Mark is debt free! Personally, Mark is a personal trainer, nutrition coach, and a black belt in Tae Kwando.  You can connect with Mark at Mark.Roth56@gmail.com, or www.ThePatriotShoppingClub.com/Roth. 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 new 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 Purple Stride walk is this Saturday, if you're listening on the day of the release. You can join Shawn's fight against pancreatic cancer by joining his team, MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08  (if you're listening after the date of release, you can join our team for next year!) If you want to try the Money Max system for becoming debt free, you can visit Shawn's affiliate link at: https://www.moneymaxaccount.com/yesner 

How long would it take to pay off $141,000 in debt? How would you do it?  What would you do first? Is it okay to invest while still in debt? This week's guest is Amanda Sharratt.  Amanda and her husband found themselves in over $141,000 in debt from student loans, credit cards, and other obligations, and they PAID IT OFF in THREE YEARS!!  In this week's episode, we talk about how they got into debt, and how they got out of it (spoiler, without filing bankruptcy). At the time of our interview, Amanda was COO and a Financial Advisor with Whitaker-Myers Wealth Managers, Ltd.  As of the time we posted this episode, she is no longer with that company. 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 new 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.  We are just about one week away from the Purple Stride walk benefiting the Pancreatic Cancer Action Network (PanCAN).  You can join Shawn's efforts to diagnose and treat pancreatic cancer at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08   And, if you want to become debt free, visit Shawn's Money Max Account affiliate link: https://www.moneymaxaccount.com/yesner 

Can you become debt free with just a few hundred dollars left at the end of the month? If you could eliminate the payment of interest, would that help you to be debt free? Would you want to be out of debt in five to ten years? How is the payment of debt more like a GPS than a paper map? This week, Shawn & George talk to Brian Nates and Tammy Gardner about the Money Max Account system of paying off debt sooner, therefore savings tens of thousands, or hundreds of thousands of dollars in interest! The Money Max Account is a way to tangibly predict when you will be debt free by following the system, but more important it will also tell you the financial impact of various purchases, like: How will buying that investment home impact your ability to become debt free? Should we put our vacation on credit, or save and pay cash, and should we take that vacation 2 months in the future? Six months? Ten months? Brian has been in the financial industry for 18 years. He is the owner of Nates Financial Group, LLC, a coach & mentor to over 2,000 agents and an "outside the box" thinker in Financial Services, Business Development and Product Development. Brian is driven to educate, consult and be involved with programs that make a real tangible impact for people and the community as a whole. Tammy lives in Clearwater, Florida (home of the Crushing Debt Podcast), and was an Economics major in College at the University of New Mexico. Tammy spent 35 years in the lending industry, initially as a Mortgage loan officer, then spent 10 years behind the scenes in loan servicing, audits and compliance. About 10 years ago, after seeing how the lending industry is truly set up for the banks to win at the expense of consumers, Tammy became a financial advisor. She is passionate about empowering individuals and businesses to make informed financial decisions that put their money to work for them, rather than the banks! Shawn was so impressed by the Money Max Account, that we signed up as an Affiliate of the system, which Shawn has also signed up for to truly become debt free (including mortgages and car payments). If you want to learn more about the Money Max Account, visit Shawn's affiliate link at: https://www.moneymaxaccount.com/yesner 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 new 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. We only have a few weeks left before the PanCAN Purple Stride walk and you can join Shawn's team in honor of his late wife Melanie at MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08   #MoneyMax #MoneyMaxAccount #YesnerWins #CrushingDebt #CrushingDebtPodcast #BecomeDebtFree #DebtFree