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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: Page 6
Sep 30, 2021

Bankruptcy can be a great tool to help give someone a fresh start and relief from overwhelming debt. However, it is very often misunderstood - I have numerous shows dealing with the topic, including debunking myths surrounding bankruptcy.

Today's show is an interview I did with Credit Kristi, who you can hear on my previous episode 247. Kristi started her own podcast called Credit Coaching by Kristi, and you can find it wherever you are listening to this show.  Kristi interviews me for her show about the basics of bankruptcy and was so generous to allow me to use the audio for this episode of The Crushing Debt Podcast.

If you have questions about credit, definitely check out Kristi's show - Credit Coaching by Kristi.

Please also support our sponsor, Sam Cohen and Attorneys First Insurance, by introducing Sam to an attorney or title company in Florida or Texas that needs a quote for their malpractice or professional liability insurance.  Sam@AttorneysFirst.com or www.AttorneysFirst.com

Finally, we're still trying to get our second book in as many hands as we can, and the book is FREE at www.ShawnMYesner.com/BecomeDebtFree

Sep 23, 2021

You added someone to the deed of your house - maybe years ago, maybe months ago - and now you want them off of the deed.  How do you do that?

That is the topic of today's Crushing Debt Podcast episode, and the answer is both simple and complex.

I also take some time to update you on what Yesner Law is up to in the coming months, specifically:

  • The Great Westchase - a great 10k, 5k, 1-mile race through my home neighborhood of Westchase on October 23, 2021, starting at 7 AM.  You can find more information at: https://greatwestchase.wixsite.com/website/ or https://www.facebook.com/thegreatwestchase.
  • Westchase Krewe of Freebooters Golf Tournament - a golf tournament by the Westchase Gasparilla Krewe benefitting the Westchase Charitable Foundation, also on October 23, 2021, starting at 11:30 AM.  You can find more information at: www.WestchaseKrewe.com
  • Podfest Origins Tampa - a great seminar if you are a podcaster, YouTuber, or produce any type of content on or for social media. You'll learn things like: How to get guests, how to be a guest, how to monetize your show, how to produce your show, and other helpful topics for content creators and fans of episodic content!  There are three ways to participate: (1) virtual session 1 on 10/28 & 10/29/2021, (2) virtual session 2 from 11/1 to 11/3/2021, or (3) LIVE on 11/4 and 11/5/2021 in Tampa, Florida.  You can find more information at www.podfestexpo.com.

Please remember to support our sponsor, Sam Cohen, at Attorneys First Insurance by introducing him to an attorney or title company you know anywhere in the Country, but particularly in Florida or Texas.  You can contact Sam at Sam@AttorneysFirst.com or www.AttorneysFirst.com

Did you know that you can also create money in your budget by eliminating unnecessary expenses? Find more tips like this in my second book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.

Sep 16, 2021

Do you have a student loan owned by the Department of Education (rather than a private student loan) AND a finding of disability by the Social Security Administration?  There's been a change in the law to link those two things to provide a disability discharge of your student loan!

On this week's episode of The Crushing Debt Podcast, we are happy to have returning guest Christie Arkovich to talk about discharging student loans for people with disabilities. Under the new law, a finding of total permanent disability (TPD) by the Social Security Administration or the Department of Education can lead to a discharge of your student loan debt.

Christie has been helping people eliminate or negotiate student loans for years and has become one of the top attorneys in this area.  You can hear Christie on previous Crushing Debt episodes:

  • 50 - Student Loan Debt
  • 93 - Public Service Loan Forgiveness (PSLF)
  • 99 - Parents Plus Loans
  • 106 - Stopping the Robocalls
  • 234 - Discharging Student Loans in Bankruptcy

You can find out more by contacting Christie at her email address - info@christiearkovich.com, or finding her YouTube Channel by searching "Christie Arkovich."

Some other topics we discuss:

  • Tax impact of settling private student loans between now and 2025;
  • Suspension of the 3-year monitoring requirement with a TPD application
  • Extensions to Student Loan repayment under COVID

Please remember to visit or refer an attorney or title company to our sponsor, Sam Cohen at Attorneys First Insurance at Sam@AttorneysFirst or www.AttorneysFirst.com.

Please remember to check out my second book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.

Sep 9, 2021

How do your emotions impact your financial decision-making?

How can you create a healthy relationship with money?

These are topics we've covered before on the show, but never from the unique perspective of this week's guest, Bob Wheeler.

Bob is a CPA and has cross-pollinated his accounting practice with his desire to help people understand how their emotions impact their financial decision making.  Bob is also a world-traveler, comedian, and CFO for The World Famous Comedy Store.

Bob and I talk about:

  • How emotions impact financial decision-making.
  • A healthy relationship with money.
  • What happened to him in Africa that changed his beliefs around money.
  • What happened to him in Nepal while trekking to Base Camp Everest and how that relates to "baby steps."
  • How he became the CFO for The World Famous Comedy Store.

You can find out more about Bob in his book, The Money Nerve: Navigating The Emotions of Money, his online course Mastering the Emotions of Money, his podcast, Money You Should Ask, and his website, www.TheMoneyNerve.com 

Please also refer a Florida or Texas attorney or title company you know to our sponsor, Sam Cohen at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

To learn even more about money and your relationship with money, download my book for free - Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree.

Sep 2, 2021

How would you react if you were car-jacked and kidnapped for three hours?

What lessons can you take from such an extremely stressful situation? And how can you apply those lessons to other stressful situations, especially financial stress?

How do you react when someone is suing you for money? When you are fearful of eviction, foreclosure or bankruptcy?

Today's guest on the Crushing Debt Podcast is Lee Roebeck from Johannesburg, South Africa. Lee is a mindset coach who focuses on human potential and success.

You'll hear Lee tell his story and how he used his training and knowledge to help himself, and how he helps his clients, to deal with amazing stress events in their lives.

Lee and I talk about:

  • The Law of Polarity
  • We Become What we Think About
  • As a Man Thinketh
  • Michael Bernard Beckwith's three steps
  • Painting a Positive Picture on the Screen of Your Mind

Certainly a carjacking or kidnapping is more life threatening than a foreclosure or eviction, but both are high-stress events that will impact you and your family.  Lee provides some great information on dealing with high-stress situations, in the moment, to help you overcome any obstacle that you might face.

You can get an audio recording of the Serenity Chapter of As a Man Thinketh by going to bit.ly/SerenityRecording

Please also visit our sponsor, Sam Cohen, to eliminate any stress you might have as an attorney or title company by purchasing malpractice coverage.  Sam can be reached at Sam@AttorneysFirst.com or www.AttorneysFirst.com

FInally, to help eliminate the stress of money, download my book for free at www.ShawnMYesner.com/BecomeDebtFree, to learn ways to have more money at the end of the month, rather than more month at the end of the money.

Aug 26, 2021

Are you sufficiently saving for retirement? Do you have a 401k through your work, or are you an employer that offers a 401k to your employees?

How do you, as an investor minimize the loss in value in your 401k when the market drops or corrects?

How do you, as an employer minimize your liability to provide investment advice to your employees through the 401k plan?

This week's guest on the Crushing Debt Podcast is Michael Watkins. Mike is a repeat guest and friend of the show, having appeared on episode 196.

Mike has just finished and released his new book The 401k Revival where he answers the question - how can you side step the next market crash.

You can get a copy of the book at www.The401kRevival.com

You can also get copies of my two books at www.ShawnMYesner.com to discover ways to create more money in your budget so that you can invest for retirement!

Finally, please refer our sponsor, Sam Cohen of Attorneys First Insurance to a Florida or Texas attorney or title agent you know who is nearing renewal of their professional liability (malpractice) insurance. Sam@AttorneysFirst.com www.AttorneysFirst.com 

Aug 19, 2021

You can't earn any money after filing Chapter 7 bankruptcy.

The Chapter 7 Trustee will come into your house and take all your stuff.

Chapter 7 is now harder to file.

These are all myths about filing a Chapter 7 (Liquidation) bankruptcy case.  Last week, I talked about thirteen myths about Chapter 13, and this week, I'm following it up with seven myths about Chapter 7. What are the other myths?  You'll have to listen to the episode to find out.

Please continue to support our sponsor, Sam Cohen of Attorneys First Insurance, by introducing him to attorneys and title companies in Florida and Texas that want a competitive quote on renewing their professional liability (also called malpractice) insurance. Sam can be reached at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

For more information about Chapter 7 and 13, please order a free copy of my second book, Become Debt Free in Less Than One Hour, at www.ShawnMYesner.com/BecomeDebtFree

Aug 12, 2021

A Chapter 13 requires you to pay ALL of extra money to the Trustee every month!

You are prohibited from moving, buying a new car or taking a vacation during a pending Chapter 13!

Your creditors have to approve the Chapter 13!

The Trustee will take all your stuff when you file Chapter 13!

Yes, these are all myths and untrue when you file Chapter 13. This week's episode came about from a consultation with a prospective client who was so scared of filing Chapter 13 because of all of the misinformation on the internet. Once I dispelled those myths, we were able to craft a plan that allowed her to repay a portion of her debt, get a fresh start, keep some of her luxury items (like jet skis) and save a little bit of money each month!

What other rumors or myths are there around Chapter 13?  This week, we discuss 13 of them (including some of the ones mentioned above).

Please remember to refer an attorney or title company to our sponsor, Sam Cohen at Attorneys First Insurance. Sam@AttorneysFirst.com or www.AttorneysFirst.com

If you want to learn more about Chapter 13 bankruptcy, you can read my book - Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree 

Jul 29, 2021

CBS News Headline: "With Evictions Set to Restart, Housing Advocates Fear Another Coronovirus Wave."

Los Angeles Daily News: "Why Unprecedented Spike in Evictions is Expected as Federal Moratorium Expires."

Miami Herald: "Avalanche: Miami Renters Brace for Mass Evictions as Moratorium Ends."

The last time the CDC extended the eviction moratorium through July 31, 2021, it was intended to be the final extension.  So will the moratorium end?  Seems like it.  

What are your rights as a landlord?  As a tenant?

Along with the moratorium on evictions, there is also a moratorium on foreclosures that is also set to expire on July 31, 2021. Is your loan covered by the moratorium? If so, what does that mean for you? How can you save your home if COVID has prevented you from working and making mortgage payments?

We discuss all of these, and related questions in today's episode of the Crushing Debt Podcast.  Learn how you can protect yourself, your family and your investment.

Please also visit our sponsor, or refer a FL or TX Attorney or Title Company to Attorneys First Insurance by emailing an introduction to Sam@AttorneysFirst.com or visiting www.AttorneysFirst.com.

Finally, learn how to stay debt free with my latest book, Become Debt Free In Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree

Jul 22, 2021

How did you get started in business?

Do you enjoy what you do?  What do you enjoy most?

How do you support your local small business community?

Today's guest on the Crushing Debt Podcast is Realtor Donnie Hathaway of Berkshire Hathaway. Donnie is a Florida native, born an raised in Pinellas County, Florida, who began his real estate career in 2016.

While Donnie and I do discuss the local real estate market, Donnie supports the local businesses in the community with his podcast, Palm Harbor Local, where he interviews local business owners about what they do and why they do it.  You can find his podcast wherever you listen to podcasts, including Apple, Spotify, etc.  You can also find his show at www.PalmHarborLocal.com

You can also connect with Donnie on Instagram - @PalmHarborLocal or @Donnie.Hathaway.

Also, please support our sponsor, Sam Cohen of Attorneys First Insurance, by referring him an attorney or title company you know that is in need of a malpractice quote.  You can reach Sam at Sam@AttorneysFirst.com or www.AttorneysFirst.com

Lastly, free copies of my second book, Become Debt Free in Less Than One Hour are available at www.ShawnMYesner.com/BecomeDebtFree

Jul 15, 2021

Do you know how to invest to pay down student debt while planning for the future?

What is the likelihood of federal payments resuming in October 2021? What do you need to know and how can you prepare for either outcome?

How can you figure out your best path forward? To determine if you should refinance or if you should work toward forgiveness programs such as a PSLF (Public Student Loan Forgiveness)?

In this week's episode of The Crushing Debt Podcast, we interview Rob Bertman of Student Loan Planner.  You can find them at www.StudentLoanPlanner.com, you can listen to their podcast (The Student Loan Planner) at www.StudentLoanPlanner.com/category/podcast, as well as find them on Facebook and YouTube.

Rob and I talk about the Student Loan System, how to prepare your personal finances and prioritize investments, the CARES Act, Moratoriums, Congressional Action and some breaking news about FedLoan.

Please remember to support our sponsor Sam Cohen by referring an attorney or title company you know to Sam@AttorneysFirst.com or www.AttorneysFirst.com.

For more information about becoming debt free, please order a free copy of my book Become Debt Free In Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree

Jul 8, 2021

What should the tenant do when the landlord dies during the term of the lease?  What if the lease is month-to-month and there is no term?  Can the landlord's heirs evict the tenant to sell the house and cash in on their inheritance?

You can find the related blog post here: My Landlord Died, Is My Lease Still Valid? | Florida Landlord Tenant Law (yesnerlaw.com)

We have a few listener-related landlord/tenant questions on this week's episode of the Crushing Debt Podcast.  Thank you for sending these to us and keep them coming!

We also discuss the CDC Eviction Moratorium - when does it expire / will it ever expire?  You can hear more about the moratorium(s) in Episodes 261, 255 and 239.

Did you know about the Protecting Tenants At Foreclosure Act? What happens if your landlord is foreclosed mid-term? Whether you're allowed to stay through the end of the lease term depends on who buys the home.

There was a Federal version of the Act which has been mirrored under Florida Law (and become effective upon the expiration of the Federal Act).  You can find Florida's version of the Act here: Statutes & Constitution :View Statutes : Online Sunshine (state.fl.us)

We also give a brief Hurricane Elsa update (spoiler: we're fine).

If you want to support the show, a great way to do that is to introduce an attorney or title company you know to our sponsor Sam Cohen at Attorneys First Insurance.  You can make the introduction at Sam@AttorneysFirst.com or www.AttorneysFirst.com

Another great way to support the show is to order my second book (it's a free download) at www.ShawnMYesner.com/BecomeDebtFree 

Jul 1, 2021

Being on the Freddie Mac Exclusionary List is a bad thing. It means you are unable to participate in any real estate transaction where Freddie Mac is a party.

Mostly, this impacts Realtors, Mortgage Originators, Title Companies and Title Attorneys, inspectors and appraisers.

However, we've seen this impact real estate investors and other people simply trying to buy a house using Freddie Mac financing.

In today's episode, I talk about five (5) myths people have around the Freddie Mac List, including:

  1. Being on the List means I've committed a crime;
  2. Freddie Mac shares my information with other lenders;
  3. The List will expire eventually;
  4. I was put on the List without due process; and
  5. Being on the List means I can't do closings.

Learn why these are all myths.  You can read the corresponding blog here: Top 5 Myths About The Freddie Mac Exclusionary List (yesnerlaw.com)

You can also hear more information about the Freddie Mac Exclusionary List in Episodes 32, 83, 132, 134, 179 and 262 of the Podcast.

Please also support our sponsor Sam Cohen by referring him a title company or attorney in need of malpractice insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com

Jun 24, 2021

Do you want to buy properties for pennies on the dollar?

Do you want to create consistent cash flow buying, selling and renting properties?

Do you want to quit your job?

This week's guest on the Crushing Debt Podcast is coach, mentor, trainer and real estate investor Todd Ashton.

We talk about:

  • How to get started in real estate;
  • Strategy of buying, selling and holding tax liens;
  • Its all about control;
  • How to scale up; and
  • Other related issues.

You can reach Todd at 801-3581496, ToddAshton@gmail.com or www.TaxLienAlliance.com.

You can also connect with Todd on social media - Instagram, LinkedIn and YouTube.

Please remember to support our sponsor Sam Cohen by introducing him to a Florida or Texas attorney that needs a realistic, apples to apples quote on malpractice insurance. Sam@AttorneysFirst.com or www.AttorneysFirst.com.

Once you've become debt free by investing in tax deeds, you can get tips to stay debt free by getting my second book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree

Jun 17, 2021

Do you know the banking aspects of digital currency?

Are you a company that wants to accept payment in bitcoin or alt coins?

Are you a business leader who wants to learn more about wholesale banking and how it relates to your business and business processes?

Do you want to provide your customers with the best solutions for their businesses or personal needs?

This week's guest on the Crushing Debt Podcast, is Rich Foster of E2E Blockchains, LLC.  After more than 20 years in bank operations, financial service sales and Central Bank operations, Rich formed E2E Blockchains LLC to create applications End to End throughout the blockchain ecosystem, becoming the unbanker!

I met Rich at the Florida Bitcoin and Blockchain Summit a few weeks back and we discuss the basics of wholesale banking, blockchain, wallets. crypto currency, the possible regulation of bitcoin, digital fiat currency based on the Central Bank, and Ethereum.

Some resources Rich mentions (please do your own research before investing in bitcoin):

You can contact Rich at info@e2eblockchains.com or visit his website at www.e2eblockchains.com.

Please also support our sponsor, Sam Cohen of Attorneys First Insurance by referring him an attorney or title company you know in Florida or Texas, who is up for renewal of their malpractice policy.  You can reach him at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

Once you're out of debt, an investment in bitcoin may be a great idea (after you do your research).  To become debt free or stay debt free, check out my second book, Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree

Jun 10, 2021

What is blockchain technology? Does blockchain have any application outside of crypto currency?  What is crypto currency?

Can investing in Bitcoin or Alt Coins (like Ethereum, Dogecoin, etc) help you eliminate your debt?

This past weekend, I attended the Florida Bitcoin and Blockchain Summit and it was amazing.  There were many sessions dealing with Bitcoins and other Alt Coins, but there were also sessions dealing with blockchain technology alone. Blockchain is the technology upon which bitcoin is based, but it has uses outside of virtual money, such as Mortgages, Title Insurance, Recording, Produce, and almost anything else that can be monitored and tracked.

However, most people use the technology for bitcoin, so I also go over many of the terms or language that you'll hear on your crypto-journey, like HODL, DeFi, NFT, Wallets, Fiat, Forks, Hash, Halving, Mining, Node, Key & Smart Contract.

Definitely do your own research before investing in anything. I plan to do mine, and will bring you along with me in this journey in future episodes of the show!

Please support our sponsor, Sam Cohen of Attorneys First Insurance, who writes errors and omissions insurance (malpractice insurance) for attorneys and title companies.  If you know an attorney or title company, an introduction to Sam would be most appreciated, at Sam@AttorneysFirst.com or www.AttorneysFirst.com.

Whether you want to use bitcoin to become debt free, or you're already debt free and looking at bitcoin as an investment, please get my latest book, for free, at www.ShawnMYesner.com/BecomeDebtFree 

Jun 3, 2021

Do you feel forever stuck in debt?

Do you feel stuck on a "hamster wheel"?

Do your monthly payments barely pay interest and make no dent in principal?

Over the course of the Crushing Debt Podcast, I've talked about different ways to eliminate debt. In today's episode, I talk about nine strategies that have worked for my clients to eliminate debt.

Did I miss any strategies? Are there any that you have used successfully? Please let me know in the comments.

Please also support our sponsor Sam Cohen at Attorneys First Insurance by referring a title company or attorney to him for a malpractice insurance quote - Sam@AttorneysFirst.com or www.AttorneysFirst.Com.

Many of the techniques in today's episode can be found in my second book, which you can get for free at www.ShawnMYesner.com/BecomeDebtFree 

May 27, 2021

Learn how to eliminate debt by moving a houseplant from one part of your house to another!

This week's guest is Patricia Lohan, Feng Shui expert, manifesting magnet, alchemist, healer, spiritual nomad, and real-life Irish Celtic Shaman. Some people call her the “Mary Poppins of Prosperity, Abundance & Peace of Mind.”

I had so much fun in this interview that I joke about what Feng Shui is, and I now understand that Feng Shui is more than moving around furniture to activate the law of attraction. It can help fix the energy of your home to allow in abundance.  Feng Shui is the "accupuncture for your environment" and translates to "good health" or "good wealth."

Some simple steps that you'll hear in today's episode:

  1. Remove anything broken from your home.
  2. Fix any "leaks" (whether water, or in your wallet).
  3. Pay attention to what your wallet looks like.
  4. Have "fresh eyes" look around your home.

You can find Patricia at www.patricialohan.com/money. Please also subscribe to her podcast - Live Your Dreams Awake. And check out her book - The Happy Home.

You can visit our sponsor, or refer a title company or attorney you know to Sam@AttorneysFirst.com or www.AttorneysFirst.com

Find more tips to become and stay debt free at www.ShawnMYesner.com/BecomeDebtFree 

May 20, 2021

What happens to your guns when you die?  What if the person who will inherit your guns is ineligible to own a gun - a minor, a convicted felon, or someone else?

Our guest on this week's episode of The Crushing Debt Podcast is attorney Angela Tormey, owner of Ally Legal in Lithia, Florida.

Angela focuses on probate and estate planning, with experience in Gun Trusts. In this week's episode, Angela and I talk about:

  • The differences between a Will and a Trust
  • What is Probate?
  • What is a Gun Trust and what is it used for?
  • And other related topics.

You can reach Angela at Angela@AllyLegalFL.com or www.AllyLegalFL.com

Please also refer an attorney or title company you know to our sponsor, Sam Cohen - Sam@AttorneysFirst.com or www.AttorneysFirst.com.  That would be a great way to support the show.

If you want more information about how to get or stay debt free, pick up a complimentary copy of my second book at www.ShawnMYesner.com/BecomeDebtFree 

May 13, 2021

Those of you who subscribe to the Crushing Debt Podcast (which is free to do by the way) know that every six months, I record an episode based on lessons learned at our community garage sale.

This week's episode is all about knowing your audience. Whether we're talking about sales, negotiation, debt settlement or some other topic.

For example, in sales, what items do you put out right away at the beginning of the garage sale?  In debt settlement negotiations, what information do you provide in the first creditor contact?

To hear the entire series thus far:

  • Episode 68 - Negotiations
  • Episode 86 - Presentation
  • Episode 118 - Patience
  • Episode 168 - Preparation
  • Episode 241 - Approach

Garage sales are low impact, low risk environments for practicing your sales and negotiation skills. How do you think that knowing your target audience will help with these skills?  Leave me a comment or send me an email.  Also, please get your free copy of Become Debt Free in Less Than One Hour at www.ShawnMYesner.com/BecomeDebtFree

Please also support our show sponsor, Sam Cohen, by referring a title company or attorney to him at Sam@AttorneysFirst.com or www.AttorneysFirst.com 

May 6, 2021

How can you leverage the law to make more money?

How can you leverage the law to protect what you've created?

I had so much fun with this week's guest on the Crushing Debt Podcast, a former marketer turned corporate director turned lawyer, turned entrepreneur who uses her immense talents to serve women and women-owned businesses - Jamie Moore Marcario, owner and founder of Brava Business Law, the Firm for Female Founders.

Jamie leverages her knowledge of business law to help online coaches and others protect their brands, their processes, and their creativity.

You can contact Jamie at www.BravaLaw.com, Alexis@BravaLaw.com, Hello@BravaLaw.com, or 727-300-1990.

Please also refer an attorney or title company you know to our show sponsor, Sam Cohen of Attorneys First Insurance, Sam@AttorneysFirst.com or www.AttorneysFirst.com.

Finally, if you want to stay debt free and create more money in your budget to take that dream vacation someday, download (for free) my second book at www.ShawnMYesner.com/BecomeDebtFree.

 

Apr 29, 2021

Do you love your bookkeeper?

Do you have someone doing your books, or are you doing it yourself or, worse, not keeping track at all?  If there are checks in the checkbook, is there money in the account?  Do you track your expenses by your online bank balance?

This week's episode of the Crushing Debt Podcast is a repeat guest and our friend Julie Shopa of Clarity Finances.

Julie was previously a guest on Episode 90 of the show, where we talked about her being a Profit First Certified Professional.

You can also hear my interview with the creator of Profit First, Mike Michalowicz in Episode 231.

You can schedule a call to see if Julie if a great fit for you and your company by going to her website - www.clarityfinances.com.

Make sure you ask the right questions (which we discuss in this episode) to find the right fit with your bookkeeper, and any vendor you hire for your company.

Please also refer an attorney or title company you know to our sponsor, Sam Cohen at Attorneys First Insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com.

Once you become debt free or set out on that track, how do you stay debt free?  My top tips and techniques are in my second book, Become Debt Free In Less Than One Hour, which you can get for free at www.ShawnMYesner.com/BecomeDebtFree 

Apr 22, 2021

Filing bankruptcy can be a difficult decision, that comes with feelings of inadequacy, insecurity, and self-doubt.  However, feeling like you have to file a second time can seem even worse.

Don't let the title of this episode fool you. I will always be available to help consult with past, current, and future clients. It's not so much that I don't want repeat clients, as I want to help my clients stay debt free. In addition, we never judge someone who feels like bankruptcy is the proper choice - it is simply a tool, allowed by our laws, to provide a second chance because bad things happen to good people.

My second book, "Become Debt Free In Less Than One Hour" is designed to help people: (1) become debt free, and (2) stay debt free.

You can get a free copy of the book at: www.ShawnMYesner.com/BecomeDebtFree

Some other links mentioned in today's show:

You would also be doing me, the show, and our sponsor a huge favor by referring a title company or attorney that you know to Sam Cohen at Attorneys First Insurance for a quote for malpractice coverage.  Sam@AttorneysFirst.com or www.AttorneysFirst.com

What other tips, tricks or techniques do you use to become and stay debt free?  Let us know in the comments to this show!

Apr 15, 2021

What is the biggest mistake people make after being in a car accident?

What is the number one reason that people who have been in a car accident are forced into bankruptcy?

How can you avoid being charged with a DUI, even if the accident was the other driver's fault?

In today's episode of the Crushing Debt Podcast, my guests Tom Roman and Paula Roman, of Roman & Roman help answer these and other questions, like:

  • What happens if the accident causes the injured party to be unable to work?
  • What is uninsured or underinsured coverage?
  • The first thing someone should do after being in a car accident.
  • Whether handling the car accident claim without an attorney is a good idea.
  • How to read and understand your car insurance policy.
  • The risks of going to trial, and what juries can be told in a trial.
  • Obtaining coverage for dog bite liability.
  • And other topics.

Roman & Roman has been a staple of the Tampa Bay and, specifically, the Dunedin area for many years (since at least the 80's). Tom & Paula are active in the community primarily through the Kiwanis Club of Dunedin. The firm sponsors the Kiwanis Club Annual Fourth of July Midnight Run, one of my favorite 5k, 10k races in Tampa Bay.  This year's run is LIVE (and virtual if that is your preference).  You can find more information, and register, at www.kiwanismidnightrun.com.

To contact Tom or Paula, or to learn more about them and their firm, visit www.RomanRomanLaw.com, you can find them on Facebook at Roman & Roman, you can email them at info@RomanRomanLaw.com, or you call call them at 727-736-2515.

Please also introduce our sponsor to an attorney or title company you know that is looking to renew or buy malpractice coverage - Sam@AttorneysFirst.com or www.AttorneysFirst.com

Finally, if you've filed bankruptcy and you don't want to have to file a second time, please get a copy of my second book at www.ShawnMYesner.com/BecomeDebtFree

Apr 8, 2021

Gender wage gaps ... glass ceilings ... the pink tax ... these are all things women are still having to navigate in our society.

As a white male that employs three women, what can Yesner Law do to help? What can you do to help?

This week's guest on the Crushing Debt Podcast is Liz Dederer, Tampa-based CEO and founder of Selling with Service. She's a 20-year, 5-time entrepreneur, sales and money coach, advocate for women's empowerment and social justice, and current president-elect for the Lakeland Metro NAWBO chapter. She has a really incredible story about how she got to where she is today, and took me to task on what I can do to support all of the women in my life (my mom, sister, wife, staff, etc.).

You can reach Liz at:

In this episode, Liz breaks down the social and emotional barriers
that prevent women from showing power and speaking our value at work, in our businesses, and in all conversations around and about money. As we examine the glacial pace of progress with women and money, we’ll also take a curious look at what role women play in keeping the wage gap open, including:

  • The #1 mistake women make in conversations around and about money
  • The two words women use that keep them held back
  • How to increase your ask — every day, in every way
  • 3 strategies to disrupt the conversation so we close the wage gap for good
  • The #1 mistake we make when it comes to conversations around and about money
  • 5 simple steps to creating a high-touch, low-tech boutique service business
  • Actionable sales habits to grow your business in 15 minutes a day

There were so many mind-blowing moments in this episode, that it was one of my favorites.  We had a great time recording and I see things in a new light around women and equality.

Please visit our sponsor, Sam Cohen, and refer an attorney or title company you know to him for a quote for malpractice insurance - Sam@AttorneysFirst.com or www.AttorneysFirst.com.

I like to think that debt knows no gender or color, although I'm sure there are instances where one portion of our society is more prone to incurring debt than another.  Regardless, my goal is to eliminate debt regardless of age, race, religion, gender, etc. You can find out more by ordering my second book at www.ShawnMYesner.com/BecomeDebtFree.

 

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