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 [email protected] or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

To contact Shawn Yesner, you can email him at [email protected] 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: [email protected]
• 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 – [email protected]

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 [email protected] or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

To contact Shawn Yesner, you can email him at [email protected] 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 [email protected] or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

To contact Shawn Yesner, you can email him at [email protected] 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 [email protected] or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

To contact Shawn Yesner, you can email him at [email protected] 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 [email protected] or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

To contact Shawn Yesner, you can email him at [email protected] 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 [email protected] or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

To contact Shawn Yesner, you can email him at [email protected] 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 [email protected] or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

To contact Shawn Yesner, you can email him at [email protected]  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 [email protected] or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

To contact Shawn Yesner, you can email him at [email protected]  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 [email protected] or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

To contact Shawn Yesner, you can email him at [email protected] 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 [email protected] or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

To contact Shawn Yesner, you can email him at [email protected] 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 [email protected]  or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach  

To contact Shawn Yesner, you can email him at [email protected] 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