How do you manage financial trauma?
What is financial trauma?
How does financial trauma present itself?
Is financial trauma a good thing or a bad thing?
In this week's episode, George and Shawn talk about financial trauma, abundance and scarcity mindset, how childhood impacts financial trauma, how financial trauma may present itself, and how to manage financial trauma so that it does not become crippling or cause someone to "bury their head in the sand."
Let me 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
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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.
Have you felt the impact of inflation over the last six months? Over the last twelve?
If so, how has it impacted you?
What habits or behaviors have you changed because of inflation?
A few weeks ago, Shawn attended FinCon 2022, an annual seminar to help "personal finance content creators and brands create better content, reach their audience, and make more money." This year FinCon was in Orlando, and we could not pass up the opportunity to get additional education around personal finance topics and make some great connections in the space. Next year, it will be in New Orleans and you can find more information at www.FinConExpo.com.
One of the presentations Shawn attended described the different ways that individuals have felt the impact of inflation and how they are adjusting their budgets to battle inflation. For example:
What are some of the things you're doing?
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Let me 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.
Things you tell your attorney are attorney-client privileged. As attorneys we cannot share confidential information with anyone. But what happens in bankruptcy court when financial information has to be disclosed to the trustee by one spouse, that was unknown by the other spouse?
In this week's episode, Shawn and George talk about stories relayed by different bankruptcy attorneys of when financial infidelity gets discovered, like:
These stories all arise from a Facebook post in a group comprised only of bankruptcy attorneys. They are all true (or likely true) but are meant in the spirit of being funny. Still, we talk about these stories in terms of what they may mean to a couple trying to dig themselves out of debt and the consequences that may arise from "financial infidelity."
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Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
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.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.
Is all debt bad?
What is your strategy around incurring debt?
What do you want to accomplish using credit and debt?
What is your plan to improve your credit score and reduce your debt?
This week, we interview David Dishman, owner of 12 Point Life and a consumer credit expert with more than two years experience helping families decrease their debt and increase their credit to achieve their goals.
George and Shawn talk to David about a lot of different topics, including:
You can contact David at David@OmegaMoneyCoach.com.
Please also visit our sponsors:
Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
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.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.
What is the number one reason people file for bankruptcy?
What famous celebrity lists his 20-year-old money mistakes?
Are we getting deeper in debt as inflation boosts costs?
On this week's episode we discuss these topics and more. You can find the articles we reference at these links:
Is Rachel Cruz right about her #1 reason for bankruptcy? Here's a hint, check out our Episode 325, Crush Medical Debt.
Please also visit our sponsors:
Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
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.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.
What are the five money rules you should follow while you're still young, or "regret it later in life"?
We recently read an article written by Morgan Housel for CNBC. You can find the article here: https://cnb.cx/35yNVut
While the article has some great tips: (1) live below your means, (2) money disputes and relationship disputes, (3) avoid debt, (4) affordable services, and (5) career - let's just say that Mr. Housel's writing style is a bit ... direct.
The article has some great tips that we discuss, some tips that we don't necessarily agree with (we love libraries and community colleges), and some tips that are in-your-face funny.
We also discuss some of our "Money Rules" that were not mentioned in the article. What are some of your "Money Rules"?
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Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.
Was the "Great Resignation" caused by COVID-19?
How can you decrease the likelihood that good employees will leave? How can you decrease the likelihood that terminated employees may sue?
How can you find and keep happy employees?
Attorney April Goodwin, of The Goodwin Firm, joins Shawn and George today in studio to talk about finding and keeping happy employees. April's practice focuses on employment law (mostly representing employers) and pet law.
We talked to April about pet law back in Episode 229 - Emotional Support Peacocks.
In today's episode April, Shawn & George talk about:
You can listen to April's previous episode here: https://yesnerlawpodcast.libsyn.com/emotional-support-peacocks-episode-229
You can contact April at April@Goodwin-Firm.com or www.Goodwin-Firm.com
Please also visit our sponsors:
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.
What is "full coverage" with regard to car insurance?
What coverage is required under Florida law?
What coverage should you have? Or avoid?
In this week's episode of The Crushing Debt Podcast, we talk to Walt Blenner of Blenner Law Group about the different types of auto insurance coverages, subrogation, fault and no-fault, and what happens to insurance when the driver is ticketed (or not).
Walt moved to Tampa Bay "temporarily" 30 years ago until he figured out where he wanted to practice - turns out it was here in Tampa Bay! Walt's practice encompasses both personal injury and a niche he's carved for himself representing lottery winners (which we talk to him about too).
You can reach Walt at walt@blennerlawgroup.com or www.blennerlawgroup.com. Email Walt to get a free electronic copy of his tri-fold Florida's Car Insurance Mistakes.
Please also visit our sponsors:
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.
What would you do with an extra month this year? Every year?
How is your cell phone costing you time when you could instead be making money?
How can you trade money for time?
This week's guest is making her fifth appearance on the show! Our friend Tiffanie Kellog is back to talk about her program 13 Months a Year! Tiffanie helps her clients MAKE MONEY, SAVE TIME and have FUN!
Whether sharing her expertise (with her southern accent) on referral marketing, networking or maximizing your time, Tiffanie will knock the socks off the audience with her fun and enteretaining presentations while leaving them with eTiffanies (epiphanies from Tiffanie) to help create RESULTS in their world!
Tiffanie is a three-time published author: 4 1/2 Networking Mistakes: Maximizing Your Networking Efforts by Avoiding Common Mistakes, Knock the Socks Off Your Audience: Delivering Presentations with Power and Passion to Audiences Large and Small, and Socks to Success: Be Memorable! Branding to Generate More Referrals. You can find her books at her website www.TiffanieKellog.com or on Amazon. You can contact Tiffanie at TiffanieK@Asentiv.com.
You can register for Tiffanie's 13 Months a Year Course at: bit.ly/TKMoreTime.
Listen to Tiffanie's previous Crushing Debt Podcast Episodes:
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Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com / www.YesnerLaw.com.
As housing prices have appreciated, we have seen less foreclosures and short sales - they're not gone, but clearly reduced in number recently.
The trend we've seen in an increase in other types of lawsuits with the increase in property values.
In particular, I have many more partition lawsuits in the office than I did a year or even six months ago. In a partition lawsuit, two co-owners are fighting over whether to sell a jointly owned home, and when sold how much does each owner receive from the sale. Typically, partition lawsuits arise between unmarried individuals that own property - siblings or extended family, non-married individuals that co-own a home, and people who acquire a home jointly as heirs of a deceased person.
Along with partition lawsuits, we have also seen a rise in quiet title lawsuits. The purpose of a quiet title lawsuit is to have the Court determine whether someone's interest in a house is legitimate - maybe an heir omitted from probate, or maybe a "wild deed" in the title.
On this week's episode of the Crushing Debt Podcast, George and Shawn talk about real estate, partition and quiet title lawsuits.
For more information on these topics, check out previous episodes:
Please also visit our sponsors:
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com / www.YesnerLaw.com.
The Personal Finance Education Bill (HB 1054) became law in Florida as of July 1, 2022. The new law requires a financial literacy course as a prerequisite to high school graduation.
George and I were thinking, if we designed the course, or if Governor DeSantis consulted with us to design the course, what are the top five things we would include (and then we thought up a few more).
After listening to the episode, do you agree? What would you include? Can you connect us with Governor DeSantis?
One website mentioned in the episode - to get a free copy of your credit report annually, visit www.AnnualCreditReport.com. That is the only website endorsed by the FTC (Federal Trade Commission) and the only one that should be truly free on an annual basis.
Please also visit our sponsors:
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com / www.YesnerLaw.com.
When should we teach financial literacy lessons to our kids, and what should we teach them?
What does "financial literacy" really mean?
What are the common financial problems people are facing today?
Why do so few states teach personal finance in public schools?
Today's guest on the Crushing Debt Podcast is Vince Shorb, one of the country's leading advocates for promoting financial wellness and a thought leader in teaching and scaling financial education programming. Vince founded the National Financial Educators Council, an organization dedicated to combating the financial literacy epidemic. Vince's mission is to create a world where people are informed to make qualified financial decisions and confidently take effective financial action that best helps them meet their basic human needs while moving towards fulfilling their personal, family and global community needs.
George and I talk to Vince about his financial journey and the lessons he learned along the way. We answer all of the questions above. Also we talk about the Florida Personal Finance Education Bill, which took effect July 1, 2022.
You can find Vince at:
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To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com / www.YesnerLaw.com.
If someone owes you money and files bankruptcy, how do you get paid?
What is the role of the bankruptcy trustee?
How does the bankruptcy trustee value assets?
This week's episode is great question by one of our listeners, and former guests Mechiel Kopaska, who sent us a question about how the bankruptcy trustee pays out creditors in a bankruptcy case.
You can hear Mechiel's episode here: https://yesnerlawpodcast.libsyn.com/stuck-in-a-job-episode-263
You can find her podcast here: Episodes - Mechiel Kopaska
George and I also talk about how to keep down the cost and expense of a move (something George recently experienced), and George's Money & Kids Seminar.
We would love more listener feedback! Are there any questions we can answer on the show? What more can we provide to you to add value - a summit, a course, a webinar?
Please also visit our sponsors:
Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com / www.YesnerLaw.com.
The Fed raised interest rates. What does that mean for you?
In this week's episode of The Crushing Debt Podcast, we discuss:
You can find the article we discuss at this link: https://news.yahoo.com/five-ways-fed-interest-rate-100000962.html
Let us know how you are or will be impacted by these changes? Do you think a recession is coming? Are we in a recession now?
Please also visit our sponsors:
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com / www.YesnerLaw.com.
Why are money myths so popular on social media?
How can you avoid falling prey to the "get rich quick" messages?
How do we convince the younger generation to save and invest?
This week's guest on The Crushing Debt Podcast is Rachel Nohlgren of Mustard Seed Advisors of Raymond James. Rachel began her career in financial services in 2005, earned her Series 7 security license in 2011, and became a partner in Mustard Seed Advisors in 2017 - from the smallest of seeds, grow the largest of trees.
You can reach Rachel at Rachel.Nohlgren@RaymondJames.com or www.MustardSeedAdvisors.com.
Please also visit our sponsors:
Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
Do you know how to find the mistakes in your medical bills and then fix those mistakes?
Do you know how to find the mistakes in your medical coverage and then fix those mistakes?
Knowing those two things could save you hundreds or thousands of dollars on your annual medical expenses!
This week's guest on the Crushing Debt Podcast is Dr. Virgie Bright Ellington, author of the Crush Medical Debt book (we LOVE the title). Dr. Virgie also hosts a live show on Thursdays at 5 PM Eastern called Ask a Doctor on the www.VoiceAmerica.com network.
You can pick up a copy of Dr. Virgie's book at www.CrushMedicalDebt.com and email her at support@CrushMedicalDebt.com.
Please also visit our sponsors:
Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com.
What can you do to get out of a financial rut?
How do you save for vacation?
How can you get out of debt?
We welcome back George Curbelo of Curbelo Financial Coaching. As a financial coach, George helps you create a judgment-free environment that will help guide you from struggling to thriving with your money!
We discuss the questions above and more on this week's episode.
For more information, or to contact George, you can email him at GCFinancialCoach21@gmail.com.
You can also listen to Episode 307, about how I save money and plan for vacations.
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Let me know if you enjoy this episode and, if so, please share it with your friends that might gain value out of listening!
Shawn@Yesnerlaw.com / www.YesnerLaw.com
What happens when life gets in the way - winning the lottery, sending kids (or yourself) to college, new babies, marriage, sickness, loss of job or income, divorce, and other life events?
This week's guest on the Crushing Debt Podcast is George Curbelo of Curbelo Financial Coaching. As a financial coach, George helps you create a judgment-free environment that will help guide you from struggling to thriving with your money!
A few weeks ago, I put out a request that I was looking for a co-host for the show and George contacted me, so I thought we would record some episodes to see if we have any chemistry. What do you think?
You can contact George at GCFinancialCoach21@gmail.com.
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Let me know what you think of George and if you enjoy this episode or past episodes, please share them with your friends that might gain value out of listening!
Shawn@Yesnerlaw.com / www.YesnerLaw.com
What role will title companies play in a closing in the future?
What are smart contracts in Real Estate?
My guest this week on the Crushing Debt Podcast is a fellow alumni of Cumberland School of Law at Samford University in Birmingham, Alabama, where she still resides today. Megan Templeton is a contract attorney with Scott Smith and Royal Legal Solutions.
Megan and I discuss the benefits of blockchain technology, specifically with respect to investing in real estate, including tokenization, digital securitization, reducing fraud and other benefits.
Links for today's show:
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Questions or comments for me: Shawn@Yesnerlaw.com or www.YesnerLaw.com.
Why is the majority of the mortgage industry geared against the self-employed business owner?
Why is it more difficult to get a mortgage when you're self-employed?
What types of real estate loans are available to business owners?
On this week's episode of The Crushing Debt Podcast, we talk to Alejandro Szita, a California mortgage broker and real estate broker since 2005. Alejandro is the co-owner of Prosperity Lending, a boutique mortgage brokerage that specializes in self-employed borrowers, including artists, business owners and creative entrepreneurs. Alejandro and I discuss the key to improving credit scores for the self-employed borrower and business owner.
You can reach Alejandro at info@prosperitylending.us.
Please also support our sponsors:
For future topics you would like to hear on the Crushing Debt Podcast, you can also contact me at www.YesnerLaw.com. I would also appreciate it if you enjoy today's show (or any previous or future week's show) if you would share the show with someone else!
What is the difference between owning land versus owning a house?
How can you create passive income using raw land investment?
Today's guest on the Crushing Debt Podcast is Mark Podolsky, the Land Geek. In today's episode, Mark and I talk about his journey into the world of buying, selling and leasing raw land as an investment. Mark has actively invested in real estate and raw land for almost twenty years, completing more than 5,000 transactions in that time.
For more information about Mark, you can email him at Mark@thelandgeek.com, or get more information about his free course at www.thelandgeek.com/quickdeals. You can also find Mark on social media @thelandgeek.
Please also support our sponsors:
If you have questions for me, you can reach me at www.YesnerLaw.com.
How do you create safe, reliable, passive income from the stock market? How is crypto-currency going to massively change our lives?
Why is mindset 90% of investing?
My guest this week is Mark Yegge, the Wealth Architect. Mark is a lifelong learner, author, course creator, mentor and fund manager. He has traded over $14 Billion worth of securities. Using his experience and expertise, Mark is on a mission to change the way we invest.
Mark started investing at age 12, bought his first car at age 16 and "retired" at 39 after starting, building and selling his Wall Street Software Company.
Look for a special offer from Mark at the following web address: Crushing Debt Podcast (destinycreation.com)
Please also visit or support our sponsors:
- Sam Cohen, owner of Attorneys First Insurance, who is looking for attorneys and title companies in Florida or Texas who are starting their companies and want a quote for malpractice or professional liability coverage. Sam@AttorneysFirst.com or www.AttorneysFirst.com.
- Mark Purvis with www.LegacySpotlight.com, who is looking for retirees who are looking for a fun and rewarding project that will bless their families today and for generations to come.
Please also visit my website, www.YesnerLaw.com, for more information and if you have any comments about today's episode, you can email me at Shawn@YesnerLaw.com.
My guest this week lost $50 million in the 2008 Great Recession real estate crash and has recovered!
How did he do it?
Will the market crash again?
What do you say to someone (or to yourself) who is allowing the fear of another 2008-like crash from investing in real estate?
My guest this week is Rod Khleif, a real estate investor, podcast host, author and philanthropist, who gained his education through seminars - by seminars, we mean spectacular failures.
Rod and I talk about mindset, fear, and overcoming fear to build, lose and then rebuild wealth.
You can find Rod:
Rod has a special offer for listeners who text "Rod" to 72345 for his seminar July 29 - 31, 2022, in Denver Colorado.
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If you have any questions, you can also contact me at Shawn@YesnerLaw.com or www.YesnerLaw.com.
What do the wealthy do differently in regards to their money and their investments?
Why would you not want to put your money in a 401k?
This week's guest on The Crushing Debt Podcast is Stephanie Walter, CEO of Erbe Wealth. Stephanie is a legacy cash flow specialist, capital raiser, syndicator and real estate investor. Stephanie's passion is teaching people to "unlearn" what most of us have been wired to think about money, and she educates people on attaining wealth that can be passed on to the next generation.
You can reach Stephanie at:
Please also support our sponsors:
Sam Cohen of Attorneys First Insurance will help new and existing attorneys and title companies to review, purchase or compare malpractice insurance. Sam@attorneysfirst.com or www.attorneysfirst.com.
Mark Purvis (our editor) who created www.LegacySpotlight.com to help retirees who are looking for a fun and rewarding project that will bless their families today and for generations to come, by recording and capturing the wisdom within life's stories.
You can reach us at Shawn@Yesnerlaw.com or www.yesnerlaw.com.
How much money does your spouse make? What about your significant other? What about your roommate or kids?
Many clients get confused that bankruptcy is based on their income alone. Unfortunately, when someone files bankruptcy, whether they can file Chapter 7 or 13 is based on the household income whether or not the spouse, significant other, roommate, etc. files bankruptcy. Unfortunately, this can cause issues when the person filing makes no money, but others in the house make a significant amount of money. How do we calculate how many people are in the household? That's the subject of today's Crushing Debt Podcast episode.
I also provide an update on the Paskay Memorial Bankruptcy Seminar, as well as the proposed increase in the automobile exemption in Florida to $5,000.
We have a second sponsor, who has actually been with the show from the very beginning. Mark Purvis, owner of Real Time Productions, Inc. is the audio editor for the show. Mark has also helped with various videos on the Yesner Law website (www.YesnerLaw.com) and our YouTube channel (Yesner Law - YouTube). You can visit Mark's website at www.RealTimeTelevision.com.
We also want to mention our long-time sponsor, Sam Cohen of Attorneys First Insurance. If you know an attorney starting his or her own law firm, or a brand new title company, that would be a great referral to Sam to write their professional liability coverage (malpractice coverage). You can reach Sam at Sam@AttorneysFirst.com or www.AttorneysFirst.com.