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Crushing Debt Podcast

The Crushing Debt Podcast is for people who want to eliminate the financial bullies in their lives. It is for listeners who want more money at the end of the month, rather than more month at the end of the money. The podcast provides answers around such topics as real estate litigation, partition, quiet title, chapter 7 liquidation, chapter 13 reorganization, and Chapter 11 business bankruptcies, short sales, loan modifications, creditor harassment and other related topics.
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Now displaying: 2023
Dec 21, 2023

Why are homeowner insurance premiums on the rise?

What happened to the insurance market?

What is reinsurance and how does it affect your premiums?

On this week's episode, Shawn and George welcome back Rich Ficca, owner of Advanced Rick Consultants and Director of Risk Management for Florida Coastal and Aureat Group.

Rich has been on four episodes previously:

  • Episodes 221 and 220 - Business Interruption Insurances (parts 1 & 2)
  • Episode 210 - COVID
  • Episode 69 - Hurricane Preparedness

We talk about why the homeowner's insurance market in Florida is doing what it is doing; why premiums are increasing; options if your premium has increased significantly; and the future outlook of the insurance market in Florida.

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

Dec 14, 2023

Why do some people go broke?

Better yet, how can someone avoid going broke?

Or even better, if broke, how can someone dig theirself out of it?

On today's episode, Shawn & George talk about the top 15 reasons why people may go broke, and how to avoid those things. Some of them are obvious - not making enough money, burying your head in the sand.  Some of them are not so obvious - penny wise and pound foolinsh.

You can read the article that inspired this week's episode at this link: 15 Reasons You're Broke and How To Change It (listenmoneymatters.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

Dec 7, 2023

WOW!  Four Hundred Episodes! Who knew way back in 2015 that eight years later, we would be 400 episodes in!

So what is the sleeping giant of the senior real estate world? 

What is a HECM and can it be used to purchase a home?

How can a HECM actually INCREASE the commission paid to an agent?

How can a senior use the equity in their previous home to upsize or downsize into a new home?

On this week's episode, we have a repeat guest - Michael Banner of www.LetsMoveForwardInReverse.com

Michael became a licensed mortgage professional in 1982. Approximately 15 years ago his passion took a new direction, as his career became focused on assisting the senior segment of our industry as they approached, or were already in, the retirement portion of their lives. The gift of the "longer life spans" can sometimes be a "double edged sword" and Michael devoted his career to helping seniors with reverse mortgages. Michael is a nationally known speaker and published author, and has performed education classes for more than 20,000 financial planners, independent financial advisors, long term care insurance agents, attorneys and Realtors on the topic of The Use of Home Equity During Retirement. Over the last decade, he has appeared on hundreds of national, local and regional television, and radio broadcasts and his articles on the topic of Reverse Mortgages have appeared in the a variety of industry leading publications and blogs.

You can also listen to Episode 120 to hear Michael's first interview on the Reverse Mortgage Industry, or our previous episode with him - #384, The Secret to Moving Forward in Reverse!  

https://yesnerlawpodcast.libsyn.com/episode-120-safely-using-a-reverse-mortgage-with-michael-banner

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

Nov 30, 2023

Looking back a few years, what trends did you see coming?  What trends did you miss?

Looking forward a few years, what trends do you think are coming?

In this week's episode, Shawn & George talk about financial trends that they see coming, including:

  • Investing
  • Marriage
  • College Planning
  • Side Hustles
  • Crypto
  • Digital or Virtual Money
  • Finance Apps
  • AI
  • Loyalty Programs
  • Judgments

Do you think we're off on some of these? If so, and you enjoyed this episode, please share it with your friends!

If you want to hear 5 Technology Tips to Save you $500 per month, there's still time to register for the 2023 More Entrepreneur Summit on December 8, 2023.  Tickets are going fast, and you can buy yours at https://bit.ly/SYSummit23

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

Nov 23, 2023

What do you talk about on Thanksgiving? 

Typically, we try to avoid topics like politics and money at the Thanksgiving table, but it possible to talk about your investments while passing the gravy?

In this week's episode, Shawn & George discuss some conversations starters that may appear taboo for the Thanksgiving table, but could result is some positive interactions with family, such as:

  • Gratitude
  • Donations or Charitable Work
  • Accomplishments during the year

Let us know what do you discuss at the Thanksgiving Table?  At the dinner table?

And, if you enjoyed this episode, please share it with your friends!

If you want to hear 5 Technology Tips to Save you $500 per month, there's still time to register for the 2023 More Entrepreneur Summit on December 8, 2023.  Tickets are going fast, and you can buy yours at https://bit.ly/SYSummit23

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

Nov 16, 2023

How do you manage your feeling about money?

How do you manage your habits around spending, saving, or investing money?

How do you speak with your family and other relationships about money?

This week, George and Shawn talk to Maggie Baker, PhD, a practicing psychotherapy for 30 years, who is passionate about helping folks put their minds at ease during stressful financial situations. Dr. Baker knows exactly what it is like from first hand experience, being crippled in the 2000 stock market crash. As a result, she transformed her practice into helping folks in similar situations understand and change their feelings and behavior about money, so that they can get back to living a fulfilled life and enjoy the money they have.

Dr. Maggie's book, Crazy About Money Crazy helps readers identify the unconscious emotions and beliefs that usually come from childhood and drive money decisions as adults. It also shows readers how to change misguided attitudes that lead so many into money trouble.

You can contact Dr. Maggie at Maggie@MaggieBakerPhd.com or visit her website at www.MaggieBakerphd.com

Remember, you can still get tickets for the December 8, 2023, More Entreprenur Summit, by going to https://bit.ly/SYSummit23

Let me know if you enjoy this episode and, if so, please share it with your friends!

Please also visit our sponsors, 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

Nov 9, 2023

What apps or websites do you use to save money?

On December 8, 2023, Shawn will be speaking at the More Entrepreneur Summit 2023.  You can get your tickets here: https://bit.ly/SYSummit23

While these podcast episodes last as long as George and Shawn have content, Shawn's presentation at the summit is only five minutes, so Shawn wanted some help narrowing down all of the great technology tips to prepare his presentation.

Some of the ideas Shawn & George discuss:

  • Coupon Apps
  • Coupon Websites
  • Subscription Elimination Apps and Websites
  • File Sharing websites
  • Book-Reading and Library Apps
  • Financing and Budgeting Apps
  • WiFi and Smart Home Apps
  • Time Saving Apps
  • And more ...

Which strategies should make the cut for the presentation?  Are there any that you use?  Are there any that we missed?

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

Nov 2, 2023

How do you talk to your kids about money?  About saving, spending and investing?

Do you pay your kids an allowance?

On this week's episode of the podcast, George and Shawn talk to Maya Corbic, a mother and seasoned CPA, with a background as a CFO, tax accountant and auditor.

Maya is also a newly published author with her book "From Piggy Banks to Stocks: The Ultimate Guide for a Young Investor" which she authored in an effort to empower young minds with financial wisdom and excitement for investing. The book is scheduled to launch in November, and you can order or pre-order directly from Amazon.

From Piggy Banks to Stocks: The Ultimate Guide for a Young Investor: Corbic, Maya: 9781738963201: Amazon.com: Books

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

Oct 26, 2023

What strange purchases have you made online?

What ridiculous things are available on Amazon?

What absurd purchases did people make during (and post) the pandemic?

This week, George and Shawn talk about some ridiculous purchases available online. You can read the articles that formed the basis of this week's eposide at:

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

 

Oct 19, 2023

Welcome to our bi-annual Garage Sale lesson episode of the Crushing Debt Podcast! In this week's episode, we put it all together into one over-arching sales presentation.

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!

You can listen to our previous garage sale episodes:

  • 68 - negotiations
  • 86 - preparation
  • 118 - patience
  • 168 - preparation
  • 241 - approach
  • 270 - target market
  • 373 - delegate

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

Oct 12, 2023

Is it too early to start thinking about the holidays?

Is it too early to start buying presents for the holidays?

Nope! and Nope!

This week Shawn & George talk about a few articles we found on the internet around ways to save on Holiday spending, whether gifts, travel or other holiday-related expenses.

You can read these articles at: 

A great holiday gift would be one to your favorite podcast (Crushing Debt obviously) by becoming a patron and unlocking lots of additional content at our Patreon page: https://www.patreon.com/crushingDebt 

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

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

 

Oct 5, 2023

Do you have a voice at the table - the financial table?

Do you have your financial house in order?

Did you know that men and women view and treat money very differently?

Have you been on a Money Date or planned a Money Party?

Are you prepared for the unthinkable? For the windfall?

This week Shawn (solo, George is back next week) has Cassandra Smalley, a Certified Financial Planner, holder of the Chartered Financial Analyst designation, owner of Cassandra Smalley Wealth Managment, and author of the book "The Why of Wealth."  

Cassandra and Shawn talk about why women need a seat at the financial table, planning a money party, college planning, how to handle a financial windfall, and what happens when the unthinkable happens.

You can connect with Cassandra at her website, www.CassandraSmalley.com. Cassandra has a ton of information and free resources at her website.

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

Sep 28, 2023

What is the best way to pay for college?

How do college visits factor into the cost of college?

What is the total price of college? Is it the same as listed on the schools' websites? What price should parents or students expect to pay for college?

What is the real price difference between private and public universities?

What is late-stage college planning?

On this week's episode of The Crushing Debt Podcast, Shawn & George talk to Brad Baldridge, one of the nation's leading financial experts on the best ways to plan, save and pay for college without wiping out their finances.

You can find Brad on his website - www.TamingTheHighCostOfCollege.com, or listen to his podcast, also called Taming The High Cost of College.  You can also find him on social media @TamingTheHighCostOfCollege.

Let us know if you enjoy this episode and, if so, please share it with your friends!

Please also visit our sponsors:

  • www.MagicMind.com/CrushDebt. Use Code CRUSHDEBT for a discount on their focus drinks and get more focused to help eliminate 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

Sep 21, 2023

When is the right time to start a new business? What should the economy look like? 

Why do startups fail?

What pitfalls should a new owner understand and avoid?

In this week's episode, George and Shawn talk about these issues, with a focus on income, debt, financial statements, and other issues that may affect the new, small business owner.

Let us know if you enjoy this episode and, if so, please share it with your friends!

Please also visit our sponsors:

  • Magic Mind, the energy boosting, focus enhancing, productivity shot that needs to become a part of your morning ritual. Order yours at www.magicmind.com/crushdebt, and enter the code crushdebt for a discount!
  • 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

Sep 14, 2023

When is something free?

When can you spend money and make money?

What is "Girl Math"?

In this week's episode, George and Shawn delve into the strange Social Media trend of "Girl Math."  Yes, that's a real thing - there is a growing trend of social media influencers with millions of views and followers promoting rules that they believe help save people money. Under "Girl Math" in certain scenarios, spending money doesn't count. Some of the rules are:

  • Anything under $5 is free.
  • Anything bought with a gift card is free.
  • Buying something and returning is means you've made money.
  • An event or concert paid for long in the past is free.
  • Money in an app (Venmo, PayPal, Starbucks, etc) is free.
  • If you go shopping and don't buy anything, you've doubled your money.

Here's the interesting part - some of these Rules actually have some logic behind them although, overall, the concept appears to be simply a way to illogically justify your purchases or spending habits.

What do you think? Let us know if you enjoy this episode and, if so, please share it with your friends!

Please also visit our NEW sponsor, Magic Mind, an energy shot scientifically designed to boost energy, enhance focus, create a sense of calm alertness, and increase overall productivity. We've both used Magic Mind and it helps maintain focus all day without a sugar high or sugar crash. You can try some with a discount on us at www.magicmind.com/crushdebt

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.

#GirlMath #CrushingDebt #MoreMoney

Sep 7, 2023

What are some ridiculous, absurd, wasteful, dumb things you've spent money on?

Certainly Shawn & George have purchased things that maybe were not the smartest buys, it happens. However, in this week's episode, Shawn & George talk about a few articles we found on the internet, having a little fun (and some serious talk) about items that are maybe not the most ideal buys, although some may be ...

What are some of the strange purchases? Have you ever bought any of these things (be honest):

  • Gold infused food
  • Designer Air
  • Bottled Water or Diamond Encrusted Collars for Pets
  • Paying Someone To Wait in Line For You
  • Beanie Babies
  • Pokemon or other Collectibles

Let us know if you enjoy this episode and, if so, please share it with your friends!

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

Aug 31, 2023

When is bankruptcy an option? 

What if someone makes good money, but they just can't make ends meet?

What options are available other than bankruptcy?

This week George had a conversation with someone (not in Florida) who was asking questions about bankruptcy - how does it work, when should someone file, what chapter, etc. This week George asks Shawn these questions and we discuss:

  • the emotions behind bankruptcy,
  • budgeting,
  • what happens to someone who works overtime,
  • does the court allow entertainment expenses (or money to have fun), and
  • other options available.

Let us know if you enjoy this episode and, if so, please share it with your friends!

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

Aug 25, 2023

Why Will Most People Never Be Rich?

What Will Rich People Never Tell You?

Why are the Rich, Rich?

What are 8 Secrets From Very Rich People?

What are Steve Jobs's 10 Rules for Success?

What Books Will Teach You To Be Rich?

What are the 5 Rules to Business?

Today, Shawn and George dive into the world of Memes and Infographics!  We found these seven memes while researching other topics for the show. Today, we dive into all of these - what do we agree with? Disagree with?  Laugh at? Debunk?

To keep the show around our normal length, we only get into six of these lists. To hear us talk about the seventh, you'll have to visit our Patreon Page: https://www.patreon.com/crushingDebt 

Let us know if you enjoy this episode and, if so, please share it with your friends!

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

 

Aug 17, 2023

Is there any benefit to a reverse mortgage, or are they a scam?

Is it a problem that a reverse mortgage has to be repaid when the borrower no longer lives in the home?  Doesn't that eliminate the inheritance that would otherwise go to the kids?

Will a reverse mortgage create a deficit to the borrower if it is not repaid?

What can you do with a reverse mortgage?  What can you use it for?

What is the difference between a reverse mortgage and a HECM?

In this week's episode Shawn and George talk to returning guest Michael Banner of www.LetsMoveForwardInReverse.com

Michael became a licensed mortgage professional in 1982. Approximately 15 years ago his passion took a new direction, as his career became focused on assisting the senior segment of our industry as they approached, or were already in, the retirement portion of their lives. The gift of the "longer life spans" can sometimes be a "double edged sword" and Michael devoted his career to helping seniors with reverse mortgages. Michael is a nationally known speaker and published author, and has performed education classes for more than 20,000 financial planners, independent financial advisors, long term care insurance agents, attorneys and Realtors on the topic of The Use of Home Equity During Retirement. Over the last decade, he has appeared on hundreds of national, local and regional television, and radio broadcasts and his articles on the topic of Reverse Mortgages have appeared in the a variety of industry leading publications and blogs.

You can also listen to Episode 120 to hear Michael's first interview on the Reverse Mortgage Industry!  

https://yesnerlawpodcast.libsyn.com/episode-120-safely-using-a-reverse-mortgage-with-michael-banner

Let us know if you enjoy this episode and, if so, please share it with your friends!

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

Aug 10, 2023

This episode will be published on the first day of school for most schools in the Tampa Bay area.  Are your kids back to school yet?  Did you survive the summer?

What about "Back To School Shopping?"  How did you navigate with your budget and manage back to school shopping for your kids?

In this week's episode, George and Shawn talk about back to school shopping, sales tax holidays, school uniforms, and other lessons learned in saving money during back to school time.

We also wrap up the July No Spend Challenge.  How did you do?  Were you able to save money? If so, what are you using that money for?

Let us know if you enjoy this episode and, if so, please share it with your friends!

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

Aug 3, 2023

What is your biggest fear? Heights? Bugs? Public Speaking? IRS Audit?

How (or what) is the biggest and baddest collection agency in the country (at least by perception)?

What if you owe money to the that collection agency (i.e. the IRS)?

On this week's episode, Shawn & George talk to Claudia Moncarz, owner of Moncarz Law, helping people to negotiate and settle debts with the IRS and avoid or resolve audit issues.

George, Shawn & Claudia talk about

  • How to avoid being audited by the IRS
  • What to do if you owe the IRS money
  • How to keep track of your IRS Account and the IRS's next move
  • How the IRS views and treats cryptocurrency

Claudia also created My Tax Alarm (www.mytaxalarm) which is a similar service to a credit reporting service, but monitors your IRS Account!

You can contact Claudia at:

Let us know if you enjoy this episode and, if so, please share it with your friends!

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

Jul 27, 2023

As the July No Spend Challenge comes to a close, how did you do?  How many points did you accumulate?  How much money did you save?  Were there any other goals you accomplished?

Thank you to Tiffanie Kellog, who asked on the Facebook page: "I was pondering a question for the podcast based on the no-spend challenge... what about a discussion on how to classify a NEED versus a WANT when it comes to spending $$$?"

Today's episode is a discussion of, when it comes to finances and spending habits, what is a need versus a want?  How do you identify a need v. want and how do you differentiate the two?  Thanks Tiffanie for a great question!

Let us know if you enjoy this episode and, if so, please share it with your friends!

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

Jul 20, 2023

How much credit card debt do you have?  At what interest rate?

What happens if you can't communicate with your significant other?

How do you protect money you inherit from a partner who spends?

This week Shawn & George tackle these topics on the show, giving their takes on questions and headlines such as:

What do you think? Do you talk to others about your money or your debt?

Let us know if you enjoy this episode and, if so, please share it with your friends!

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

Jul 13, 2023

There's been a bit of news lately on President Biden's plan to cancel student loan debt, especially after the United States Supreme Court ruled that the President has no authority to cancel the debt without Congressional action.

What are your thoughts?  Are you in favor of cancelling debt?  Against it?

Recently, the New York Times came under fire for suggesting that "death" is a way to cancel student debt. Unfortunately, they are correct.  Note that neither the article, nor Shawn & George are suggesting that people hurt themselves in any way to avoid paying back student loan. From a legal and contractual perspective, if a student loan borrower (any borrower really) passes and there is no co-signor on the debt, then the debt is eliminated - subject to the borrower's estate having no money.

What are some of the other ways the New York Times suggests cancelling student loan debt:

  1. Income Driven Repayment Plans (IDR)
  2. Public Service Loan Forgiveness (PSLF)
  3. Bankruptcy (which is a better option after input from the US Dept of Education)
  4. Consolidate the loans
  5. Forbearance plans

Interstingly, the LA Times followed up that article by suggesting that student loan borrowers could move back in with mom & dad, or skip meals to save money ...

One other way to tackle student loan debt is to save money for college, and also explore scholarships. You can listen to an old Crushing Debt Podcast episode about that if you follow this link: https://yesnerlawpodcast.libsyn.com/episode-77-the-scholarship-system

The two articles Shawn & George discuss can be found with the following links:

Remember, we're now two full weeks into the Crushing Debt No Spend Challenge.  How are you doing?  How many points have you earned?  What have you learned about yourself, and about your spending habits?

You can find a link to the challenge here: Crushing Debt Spending Challenge | Facebook

Let us know if you enjoy this episode and, if so, please share it with your friends!

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

Jul 6, 2023

The Fourth of July was a few days ago! How did you celebrate?

How did you say "thank you" to those that protect us and our freedoms?

This week's guest on the Crushing Debt Podcast is C. David Cain, CEO and Chief Hero Evangelist of Heroes Home Advantage. He has 24 years' experience as a top-producing Loan Officer, and is on a mission to create brand awareness for the largest hero rebate program in the country when buying or selling real estate!

George, Shawn & David talk about:

  • How the program works and why buyers and partners both benefit.
  • Why HHA is different from other similar programs.
  • Who is eligible for the program.
  • Why the program was founded and exists today.

You can reach David at David@HeroesHomeAdvantage.com or connect with them at www.HeroesHomeAdvantage.com. You can also connect with David on LinkedIn, Facebook, and Instagram.

Let us know if you enjoy this episode and, if so, please share it with your friends!

Or, you can support the show by visiting our new Patreon page: https://www.patreon.com/crushingDebt 

Remember, our No Spend Challenge for July is officially underway! Join the group here.

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

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