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:
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:
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:
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:
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:
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:
Let us know if you enjoy this episode and, if so, please share it with your friends!
Please also visit our sponsors:
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:
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:
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:
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:
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:
Let us know if you enjoy this episode and, if so, please share it with your friends!
Please also visit our sponsors:
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:
Let us know if you enjoy this episode and, if so, please share it with your friends!
Please also visit our sponsors:
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:
Let us know if you enjoy this episode and, if so, please share it with your friends!
Please also visit our sponsors:
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:
Let us know if you enjoy this episode and, if so, please share it with your friends!
Please also visit our sponsors:
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:
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:
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:
Let us know if you enjoy this episode and, if so, please share it with your friends!
Please also visit our sponsors:
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:
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:
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!
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:
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!)
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
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:
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!
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
What is the "Cash Stuffing" method?
What is Home Equity Sharing, or a Home Equity Appreciation Agreement?
Should you get a HELOC?
How can you become a gazillionaire overnight?
Are there any useful tips on Tik Tok?
This week Shawn & George are reviewing advice from Tik Tok because, everything on the internet is true! In this week's episode, we play a clip from Tik Tok and then talk about whether the advice is good, bad or ugly. We hear Tik Tok advice from:
You can judge for yourself which advice is spot on, which advice is scary, and which advice is just plain wrong! Please note that we play these clips for entertainment purposes only and neither Shawn, George nor the Crushing Debt Podcast are endorsing any strategy or Tik Tok clip that we play.
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 PanCAN Purple Stride walk is just a few weeks away and there is still time to support MY Legacy Striders. Any donation, no matter how small, helps! http://support.pancan.org/goto/MYLegacyStriders08
"Sign, sign, everywhere a sign." -Five Man Electrical Band
What are the signs that you might need some financial help?
What are some things to look for or listen for to determine whether you might want to talk to a financial coach? Signs that you might need to seek legal counsel?
On this week's episode of the Crushing Debt Podcast, George and Shawn talk about the various signs that someone might need help, or might be in trouble financially.
There are some common signs, like living paycheck to paycheck.
There are some signs that suggest you may need some coaching or accountability, like help creating a budget, being on the "hamster wheel," avoiding your mail, using cards for necessities, and feeling like you need to "keep up with the Joneses."
There are some signs that you need to seek out legal counsel, like getting sued, getting calls from creditors, bouncing checks or overdrawing your account, or an inability to pay for necessities.
"Do this don't do that. Can't you read the sign?"
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. Plus, there is still time to join Shawn's Purple Walk team to support PanCAN - MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08
How does debt play a role in different ages and milestones?
How do we minimize the negative impact of debt during each stage of our life?
In there a difference in how debt during young adulthood, mid-life, and retirement?
What is the average debt per person in the US, versus the average salary in the US (hint, visit www.USADebtClock.com)?
In this week's episode, George and Shawn talk about the different types of debt that we have to manage as we make our way through the different stages of life, for example student loans for young adults, mortgages and consumer debt in mid-life, and medical debt later in life. We also discuss different strategies for avoiding or managing debt at every stage, as well as some universal tips regardless of age or stage.
Let us know if there's anything we missed, and if you enjoyed 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 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.
To join our fight against pancreatic cancer, join Shawn's team, MY Legacy Striders at http://support.pancan.org/goto/MYLegacyStriders08