Podcast
Crushing Debt
Hosted by Shawn M. Yesner · EN
Yesner Law is a boutique real estate law firm in Tampa, Florida, that helps our clients eliminate the financial bullies in their lives by providing options so they can live the lifestyle of their dreams. We help clients with real estate litigation, partition, quiet title, chapter 7 liquidation, chapter 13 reorganization, short sales, loan modifications, and creditor harassment.
38episodes
Episodes
Newest firstAll episodes
Back To School Budgeting - Episode 523
2w ago00:43:25Tap to summarizeAlthough we're in summer, the start of school is just around the corner. Are you ready? How do you get ready for school every year? Shawn has two kids - one in high school and one in middle school. George has one in college (and one who just graduated college). Some of the expenses you may incur for kids going back to school: Books Supplies Lunches Clothes / Uniforms Sports / Extracurricular Activities Electronics (computer, calculator) What hidden expenses are there that we have not mentioned? Where can you cut costs, like hand-me-downs, splitting supplies between kids, and taking advantage of sales tax holidays. Let us know if you enjoy this episode and, if so, please share it with your friends! 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 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.
Transcribe →Money Habit World Cup - Episode 522
3w ago00:42:18Tap to summarizeBack in March (episode 507), we did a show about the "Sweet 16" worst money habits to see which was the worst for your wallet and budget. We decided to bring that episode back, but with 16 new "bad" money habits based on a World Cup-style seeding. Group A: Everyday Leaks Subscription creep Food delivery apps Impulse buys ("just this once") Convenience store runs Group B: Big Ticket Traps Buy Now, Pay Later (BNPL) Car payment stretching (72–84 month loans) Lifestyle creep after a raise "It's an investment" purchases (boat, timeshare, unused home gym) Group C: Emotional Spending Revenge spending (stress/reward shopping) Retail therapy after a bad day Keeping up with social media lifestyles Guilt spending on kids/grandkids Group D: The Excuses "I'll start Monday" mentality "It's just one swipe" thinking No budget or tracking at all Balance transfer as a permanent fix instead of a plan Which money habit do you think will "win" (and by that, we mean which will be the worst? This is all in good fun; the goal isn't perfection — managing money is genuinely hard, and just noticing a pattern is real progress. Do you agree with our analysis? Let us know if you enjoy this episode and, if so, please share it with your friends! 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 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.
Transcribe →Why Paying Off Debt Won't Make You Rich - Episode 521
Jul 200:39:21Tap to summarizeWhy will paying off debt not make you wealthy? What is the tax trap inside your debt payoff plan? What is the difference between being debt-free and financially free? Most business owners who end up in financial crisis did not get there because they failed to earn enough. They got there because nobody ever showed them how to keep what they earned. Revenue is not wealth, and that gap is where the real damage happens. This week's guest on the podcast is Rachid Barry, and for 11 years he has helped entrepreneurs and high-income professionals build financial systems that reduce cash leakage, resolve IRS debt, and create real alternatives before bankruptcy ever becomes the only option. Rachid works with business owners across the U.S. who are profitable on paper but structurally exposed, and that is a story your audience knows well. You can reach Rachid at RBarry@rjmconsultant.us. Let us know if you enjoy this episode and, if so, please share it with your friends! 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 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.
Transcribe →The Cost of Staying Healthy - Episode 520
Jun 2500:36:35Tap to summarizeWhat are the known and hidden costs of getting sick? What about a medical emergency? Are you prepared for the cost of unexpected health issues and how can you protect yourself, your family, and your bank account? On this week's episode of the Crushing Debt Podcast, Shawn & George talk about Shawn's son, who broke his arm recently, requiring surgery to fix. His son is expected to make a full recovery but the incident taught Shawn a few things about the costs of staying healthy and what to do when an accident happens, including known and hidden costs like: Emergency Room visit X-Rays and other tests IV Surgery Anethesia Pain medicine and pain management After-effects, like cancellation of future plans, medicinal needs after the fact, and other necessary care supplies. We also talk about insurance coverages and how those play into the analysis, and what to do to mitigate the out of pocket costs of a medical incident. Let us know if you enjoy this episode and, if so, please share it with your friends! 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 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.
Transcribe →The Employment Benefit No One Talks About - Episode 519
Jun 1800:33:21Tap to summarizeAre money problems spilling over to work? What can you do for your employees to reduce stress? Reduce down time? What can you do for employee retention? What is a "stop for this" purchase? As an employer, how can you reduce the chance that you get asked to give advances of payroll to employees? In this week's episode of the Crushing Debt Podcast, Shawn & George talk to Barry Sanborn about the cost of employee turnover, and what to do about it. Barry is the founder of Sanborn Financial Coaching, LLC, in Joplin, Missouri. He started his business on June 1, 2021, to help clients pursue and eventually achieve their personal money goals. Barry provides personal financial coaching services for individuals and couples. He has a degree in business from Missouri State University and is involved in two professional financial coaching organizations. Barry's specialty involves delivering financial coaching as a unique employee benefit designed to help small business owners attract and retain great workers. The employees are offered personal financial coaching services in one-hour sessions, either in-person or online, as a benefit of working at a particular company. You can reach Barry at BarrySanborn@hotmail.com or visit his website at www.missourimoneycoach.com. Let us know if you enjoy this episode and, if so, please share it with your friends! 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 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. 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/MyLegacy2026
Transcribe →The Real Cost of Keeping Up With Summer! - Episode 518
Jun 1100:33:39Tap to summarizeWhat are some of your more expensive habits? What impact does summer have on your spending? In this week's episode of the podcast, Shawn & George talk about summer's most expensive habits, including: Weddings / Vacations / Family Outings Summer Camps & Kids Activities Concerts Home Improvement Projects Pets Subscriptions Back to School Shopping Cost of Living Changes What other summer spending habits do you have? Let us know if you enjoy this episode and, if so, please share it with your friends! 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 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. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team (until June 30, 2026) at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026
Transcribe →Emergency Funds & Emergency Snacks! - Episode 517
Jun 400:36:41Tap to summarizeIt is officially the start of Hurricane Season in Florida! Are you prepared? What are some funny hurricane truths? How much water should you have? Toilet paper? Flash lights and batteries? How should you prepare your family and your business for the financial impact of a storm? On this week's episode of The Crushing Debt Podcast, Shawn & George talk about these topics, including whether you are financially ready personally and professionally for a storm, what you need to know or do to protect your family and your business, all with our unique Crushing Debt spin! Let us know if you enjoy this episode and, if so, please share it with your friends! 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 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. 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/MyLegacy2026. The link will be open through the end of June!
Transcribe →Breaking The Stigma - Episode 516
May 2800:45:39Tap to summarizeWhy do people think bankruptcy is bad? True, it has a negative stigma and it will be a hit to your credit score, but why is bankruptcy perceived as a massive negative? Is bankruptcy the best solution for everyone? Put simply, no it is not, but it is better than most people will admit. On this week's episode of The Crushing Debt Podccast, Shawn and George talk about rising debt levels, rising gas prices, rising grocery prices ... prices increasing everywhere, and what that means for someone considering bankruptcy. Plus what are some of the negatives of waiting too long to file? What is the difference between bankruptcy and negotiating the debt? What is the impact of the automatic stay? And what is life like after bankruptcy? Let us know if you enjoy this episode and, if so, please share it with your friends! 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 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. And there is still time, until June 30, 2026 to donate to Pancreatic Cancer research and education by joining Shawn's 2026 PanCAN team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026
Transcribe →Freedom Isn't Free and Neither is the BBQ - Episode 515
May 2100:26:55Tap to summarizeAre you celebrating your freedom this weekend? Or are you still trapped by debt? Or are you spending like you're out of control? Memorial Day weekend is here… The grills are out, the coolers are full… and somehow your bank account is empty by Tuesday. Memorial Day isn't just a long weekend. It's about honoring those who gave everything. Freedom comes with a cost. What are you doing with the freedom we've been given ... not here to judge, just here to help you think about it differently. In this week's episode, Shawn & George talk about the hidden spending in a typical holiday weekend, the holiday and social pressures associated with a gathering or celebration, and how to enjoy your weekend without blowing your budget, including: Plan before you shop Watch the "little leaks, and Build in recovery time Let us know if you enjoy this episode and, if so, please share it with your friends! 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 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. And although the 2026 PanCAN Purple Stride walk is over, you can support PanCAN year round! We'll re-start our team in a few months as we prepare for the 2027 Purple Stride Walk.
Transcribe →Thirty Day Reset - How to Get Finances Back on Track Before Summer! - Episode 514
May 1400:34:02Tap to summarizeHow is that summer body, bathing suit body coming along? Every year around this time… people start talking about getting their summer body ready; eating better… hitting the gym… cutting back… but nobody's talking about their summer budget. Just like your body, if you ignore it all year and panic in May, things get uncomfortable real fast! Summer bodies vs. summer budgets! On this week's episode of the Crushing Debt Podcast, Shawn & George talk about how to get back on track with your finances as we approach summer, including Things that prevent you from getting your finances under control, like "I'll start Monday," "I'll start next paycheck," gym membership, budget apps you don't open, cheat meals, "It's just one swipe," no plan, no tracking, quick fixes, or balance transfers & "later" thinking; Where summer wrecks your budget, like vacations, kids out of school (extra spending), events, weddings, parties, travel + eating out, or "It's summer, I deserve it" mindset. We talk about a simple 30-Day Reset to get your money back on track before summer gets out of control, including (1) awareness, (2) clean up, (3) building a simple plan, and then (4) execute and adjust as needed. This doesn't happen without a mindset shift, so celebrate those small victories and, before you know it, you'll have a summer bod AND a summer budget !! Let us know if you enjoy this episode and, if so, please share it with your friends! 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 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. And although the 2026 Purple Stride walk is over, please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026
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