Crushing Debt

Should you lease or buy?

What happens when your lease is over?

Should you buy out your lease? Buy a new car? Lease a new car? Buy a pre-owned car?

Shawn was recently faced with these questions when his lease was at the end of its term. Find out what Shawn did and some of the questions he faced in this week's episode of the Crushing Debt Podcast.

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

Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

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

To contact George Curbelo, you can email him at [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 plus you can help support pancreatic cancer research and education by joining Shawn's PanCAN Purple Stride team - MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08

Should your partner get a second job, when you both make over six-figures?

Where was the world's first paper money created?

What is the origin of the "greenback" nickname?

What is the origin of the $ symbol for the US dollar?

Each week, George and Shawn (mostly George) finds interesting articles on the internet discussing various topics, questions, advice or other information. This week, it's a few relationship questions from slate.com (https://slate.com/business/2024/02/boyfriend-second-job-salary-personal-finance-advice.html).

After that, how well do you know your money: https://trivia.fyi/money-trivia/

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 [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 you can support pancreatic cancer research and prevention in honor of Shawn's late wife Melanie by visiting MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08

What are the signs of financial anxiety?

How does financial anxiety affect you?

How can you handle financial anxiety?

We apologize for the audio quality of last week's episode. Apparently, taking a month hiatus also impacted our recording equipment! That issue has been fixed, and the quality of Shawn's voice this week is all mother nature's fault. George takes the lead this week, talking about financial anxiety, and how to recognize it and address it.

One of the more important factors in financial anxiety is to understand that you're not alone, nor unique. Many people have been through financial stress or anxiety and resolved their issues - you can too!

This week's episode is based on an article we found at www.healthline.com/health/anxiety/money-anxiety

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

Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

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

You can also help support pancreatic cancer research and prevention by making a donation to Shawn's PanCAN Purple Stride walk. MY Legacy Striders: http://support.pancan.org/goto/MYLegacyStriders08

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.

After a one-month hiatus, we are back with new episodes of The Crushing Debt Podcast!

Have you experienced any life changes recently?

How did those changes impact your budget?

Our apologies for our silence during the month of January. In this epsidoe, we explain our absence and how it relates to both the Podcast, our daily lives, budgets, debts, medical bills, and other issues related to major life changes.

This episode is dedicated to the memory of Melanie Yesner. To donate or join MY Legacy Striders, raising money for PanCAN on the Purple Stride Walk on April 27, 2024, visit the following link: http://support.pancan.org/goto/MYLegacyStriders08

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

Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

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

To contact George Curbelo, you can email him at [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.

Welcome to the first episode of 2024 - which should have been the last of 2023 except for a technical glitch.

Why is a wholistic approach to health insurance, life insurance and wealth building important?

How can you create a healthy money mindset?

George is solo this week, speaking with Paola Rodriguez, a wealth building and insurance expert. She is a proud native of Dominican Republic, a graduate of the University of Florida, and an active member of the Tampa community. She was one of the founding members of the Tampa Bay Latin Chamber and is on the board of the Hispanic professional women's association.

As the owner of Rodriguez Wealth Group, Paola has helped hundreds of families protect their health and financial nest egg through health and life insurance.

Paola's big audacious goal is to help 200,000 families become financially free.

Paula can be found on:

• Facebook at https://m.facebook.com/RWealthGroup
• Instagram at "thepowerfulpaola"
• On the web: https://rwealthgroup.com

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

Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

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

To contact George Curbelo, you can email him at [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.

We're going to take a small hiatus, but will be back mid-January with new episodes!

Why are homeowner insurance premiums on the rise?

What happened to the insurance market?

What is reinsurance and how does it affect your premiums?

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

Rich has been on four episodes previously:

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

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

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

Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

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

To contact George Curbelo, you can email him at [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.

Why do some people go broke?

Better yet, how can someone avoid going broke?

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

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

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

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

Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

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

To contact George Curbelo, you can email him at [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.

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

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

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

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

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

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

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

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

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

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

Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

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

To contact George Curbelo, you can email him at [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.

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

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

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

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

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

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

Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

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

To contact George Curbelo, you can email him at [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.

What do you talk about on Thanksgiving?

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

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

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

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

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

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

Please also visit our sponsor, Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.

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

To contact George Curbelo, you can email him at [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.