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