Crushing Debt

What can you do to make more money quick?

Does quick money mean dishonest money?

Last week George and Shawn talked about Money Scams. This week, it's get rich quick schemes, but which ones are legitimate and which ones can get you into deeper debt?

• Ponzi or Pyramid Schemes
• Online Courses
• Coaching (sorry George)
• Multi-Level Marketing (MLMs)

What other "schemes" have you tried? Which have worked and which were ... ummm ... less than successful?

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

Please also visit our sponsors:

• 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.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.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.

Do you have a rich relative who died left you with a bunch of money?

Are you being romanced by someone who will come see you, but only if you buy them a plane ticket?

Do you get random requests to buy gift cards for someone in trouble?

Beware of money scams! The fraudsters are out there and getting smarter. Some popular scams are:

• Deed Copies
• Romance Scams
• Phishing Scams
• Probate Scams
• Timeshare Scams
• Ransom Scams
• Bogus Debt
• Bot Accounts
• Gambling / Online Games
• Wire Fraud, and
• Unclaimed Funds

In this week's episode, Shawn and George talk about different scams, how to identify them, and how to avoid them. Unless you do have a rich relative who died and you want to use that money to fund the Podcast !!

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

Please also visit our sponsors:

• 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.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.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.

Are you looking to make your business grow?

Do you want referrals to help you grow your business?

Do you understand each prospect's behavioral style?

Would you like to be able to define a unique selling position that separates you from your competitors?

This week is a rebroadcast going all the way back to (when we were the Yesner Law Podcast) Episode 7 - Constructing Success with Jason Avery!

Constructing Success is a consulting firm that supports entrepreneurs through the challenges of growing their small businesses. Jason helps discuss the challenges that clients may have, including how to avoid the "Client Rollercoaster."

Jason openly shares his proven methodology that has grown his company to 50 full-time employees and $5.4 million per year in business. Constructing Success, a #1 Amazon Best Seller, also reveals the secrets on crucial topics such as what to do with bad business situations, how to make tough decisions confidently, defining your brand, legacy building, and how to actually make your competitors indebted to you.

You can contact Jason at [email protected] and pick up a copy of his book on Amazon here: Constructing Success: Blueprints for a Referral Based Business: Avery, Jason M: 9781515385561: Amazon.com: Books

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

Please also visit our sponsors:

• 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.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.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 is lifestyle creep?

Do you feel the need to keep up with the Joneses? Do your expenses increase as your income increases?

Years ago, Shawn's father taught him that your expenses do not have to grow proportionately to your income. In other words, just because you make more money doesn't mean you have to spend less money.

Unfortunately, it seems like some people spend more as they make more. Their lifestyle creeps to the more expensive as they get more income.

More disturbing, some people are using their credit cards as de facto savings accounts. See the article here: Millennials may be using credit cards as a 'de facto emergency fund' (cnbc.com)

In today's episode, George and Shawn talk about lifestyle creep, plus the negatives (and positives) of using credit cards in lieu of savings accounts. For example, it might be necessary for a high-ticket emergency.

What do you think? Let us know if you've experienced lifestyle creep or what you did to avoid it.

Also, f you enjoyed this episode, please share it with your friends!

Please also visit our sponsors:

• 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.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.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.

How does ADHD effect money? Budgeting?

What are some tips or tricks to work with money while dealing with ADHD?

In this week's episode, Shawn & George interview Tamika Howell. Tamika is a Financial Educator who teaches busy and easily distracted Black women how to align their money with their values through one to one coaching and educational content on various social media platforms. Her primary focus is budgeting, saving, and debt management for those overwhelmed by their finances and unsure where to start. Tamika knows the feeling firsthand. As a Black woman living with ADHD, she created Organize Your Money as a safe space to ask questions and not feel alone on your financial organization journey. Tamika is a Certified Financial Education Instructor (CFEI) and a candidate for Accredited Financial Counselor (AFC). She also holds a bachelor's degree Finance and spent her early career working as a corporate Tax Analyst.

Some of Tamika's suggestions:

• Automation of payments;
• Separate accounts; and
• Use cash

You can reach Tamika at [email protected], or visit her on the web at www.OrganizeYourMoney.net for your free 8 Tips to Organize Your Money.

You can also find Tamika on Social Media:

• LinkedIn - Tamika-Howell
• Instagram - @OrganizeYourMoney
• TikTok - @OrganizeYourMoney
• Facebook - @OrganizeYourMoney
• Twitter - @OrganizeYourMoney

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

Please also visit our sponsors:

• 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.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.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.

Should you lease or buy?

In this week's episode, Shawn and George discuss that age-old question, is it better to lease or buy a car? George bought his cars. Shawn bought one (his wife's) and leases another (his). But which one is the better choice for you?

Some of the Pros of leasing a car: lower monthly payments, drive a better car for less money, get a new car every three years or so, lower maintenance costs because the car is newer or under warranty, and loyalty programs when you get a new car from the same dealership / finance company.

Some of the Cons of leasing a car: limited in mileage you can drive, no equity is built in a car, wear and tear charges or damages to be paid at the end of the lease term, and it may be difficult to return the car if your needs change during the term of the lease.

Advantages to buying a car: it's your car (you can customize or alter it however you want), no mileage limits, eventually the car is paid off and you no longer have to make payments, and you build equity in the car to use towards a down-payment on the next car.

Disadvantages of buying a car: higher monthly payments than leasing, the car depreciates in value quickly, downpayments (or trade-in) to buy a new or used car, you have to budget for annual repair or maintenance costs as the car ages, and higher insurance costs as the car ages.

Please let us know what do you think? Should you lease or buy?

Please also visit our sponsors:

• 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.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.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.

Do you have a commercial profitable enterprise that works without you?

Are you getting paid while you sleep?

Or do you have a job?

Shawn & George attended The Largest Networking Event in Tampa Bay last week and in this episode discuss lessons they learned from ActionCOACH Founder Brad Sugars, like:

• Hustle & Grind is the New Stupid
• If you're not getting paid while you sleep, you don't have a business
• How to set daily goals for your company
• Telephone Scripts to maximize revenue per client
• Raising prices
• Why discounting kills businesses
• Get Off the Tools
• Fire Yourself as CEO if you are the talent behind the business.

Plus, we captured some short interviews with:

• Lonnie Veasley, Business Broker with Murphy Business Sales. [email protected]
• Tamas Dankos, Mavik Technologies. [email protected]
• Pramon Bastian, TeamLogic IT. [email protected]

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

Please also visit our sponsors:

• 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.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.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 questions do you have for us here on The Crushing Debt Podcast?

In today's episode, Shawn & George answer some of the most popular questions they receive, like:

• My landlord died. Is my lease still valid?
• Can I shut down my business to avoid paying back business debt?
• Should I stay in a bad job just because they offer a 401k (or any other benefits)?
• Should I pay debt or invest the money?

Some of these questions are blog posts that you can find at the links below:

• My Landlord Died, Is My Lease Still Valid? | Florida Landlord Tenant Law (yesnerlaw.com)
• Can I Avoid Paying Business Debts By Shutting Down The Old Business And Opening A New Business? (yesnerlaw.com)

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

Please also visit our sponsors:

• 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.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.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.

How do you talk to your kids about money?

What books about money have influenced you that you want to share with your kids?

This week's guest, Clifton D. Corbin, MBA, PMP, was a business consultant with over two dozen decades of experience when he left the office to become a full time stay-at-home dad. During this time, he authored his first book, Your Kids, Their Money: A Parent's Guide to Raising Financially Literate Children, which focuses on providing parents with the skills and tools to teach financial literacy to ther children.

While reading The Richest Man in Babylon with his son (a timeless money classic) he found that the book failed to translate to his son. Clifton and his son co-edited a rewrite of the book titled The Richest Person in Babylon.

Shawn and George talk to Clifton about these issues, as well as ADHD and Money, paying allowances, and other questions around how to talk to your kids about money.

You can find the books mentioned in today's episode at:

• Your Kids, Their Money: https://cliftoncorbin.com/books/yourkidstheirmoney/
• The Richest Person in Babylon: https://cliftoncorbin.com/books/the-richest-man-in-babylon/
• The Richest Man in Babylon: Amazon.com or any local bookstore

You can reach Clifton at:

• https://CliftonCorbin.com
• [email protected]
• https://www.linkedin.com/in/cddcorbin/
• https://www.instagram.com/cdcorbin_
• https://twitter.com/cdcorbin
• https://facebook.com/CliftonDCorbin

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

Please also visit our sponsors:

• 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.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.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.

Trainwrecks, car accidents, calamities, and disasters are all things you want to avoid, but all things that you cannot look away from when they happen.

But what happens when the trainwreck is financial, and how do you avoid them?

In today's episode, Shawn & George talk about some of the financial trainwrecks they've seen or experienced over the years, along with some tips to avoid them, including:

• Gambling
• Ponzi Schemes
• Wire Transfer Fraud
• Crypto Currency
• Guarantees
• Payday Loans
• Short Term Business Funding Loans / Receivable Loans
• And Others

What Financial Trainwrecks have you seen over the years? Please share them us via email or social media. Please also share today's episode with your friends if you enjoyed it!

We would also appreciate if you would visit our sponsors:

• 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.
• Mark Purvis to help retirees who are looking for a fun and rewarding project by capturing wisdom and stories that will bless their families today and for generations to come. www.LegacySpotlight.com.

Although we have two great sponsors, their support does not fully fund the show - Shawn & George make up that difference. But you can help if you'd like 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.