What is the Big Beautiful Bill, and why is it such a pivotal moment for financially vulnerable communities?

What are the biggest gaps you see between how legislation is written and how it actually plays out in people’s day-to-day lives?

What are the five simple steps anyone can take today to protect themselves financially in light of this legislation?

What role does mindset play in becoming financially literate, and how can we help people make that shift?

In this week's episode, Shawn interviews Michelle Campbell, the author of Bluebird, a memoir that candidly explores themes of trauma, heartbreak, and the resilience found in life’s struggles. She is also the founder of a nonprofit organization dedicated to empowering individuals through financial literacy and fostering economic stability.

Michelle was born and raised in Omaha, Nebraska, and began her educational journey in South Dakota before relocating to Atlanta, Georgia, to continue her studies. During her academic pursuits, she launched a real estate investment firm, marking the beginning of her entrepreneurial path. Over the years, Michelle expanded her ventures into various industries, including horticulture, where she founded an interiorscape company, and logistics, where she established a commercial trucking business. Drawing on the insights and expertise gained across these diverse fields, she transitioned into a career in the financial services industry.

You can connect with Michelle at:

• ByMichelleCampbell.com
• Facebook
• Instagram
• TikTok
• Twitter
• YouTube
• LinkedIn

We missed George this week, but he'll be back next week!

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.

With a reverse mortgage, can you retain title to your home?

Are reverse mortgages insured or guaranteed?

Do reverse mortgagaes have a maturity date?

This week's guest on the Crushing Debt Podcast is Gary Guarino, Vice President with Senior Lending, focusing on the HECM (Home Equity Conversion Mortgage), better known as a reverse mortgage.

Gary has been a VP of Senior Lending for the last 26 years and is a Home Equity Retirement Specialist. He is regarded as a leading expert on every aspect of the FHA-Insured HECM Credit Line as well as the proprietary Jumbo Reverse Credit Line.

You can reach Gary at GaryG@senior-lending.com, or visit his website at www.senior-lending.com.

Shawn, George & Gary talk about

• Myths (and facts) surrounding reverse mortgages
• Title theory v. lien theory
• FHA Insured products
• Recourse v. Non-Recourse loans
• What is required to borrow under a reverse mortgage
• And other questions regarding HECM loans.

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.

What is the difference between a Tax Certificate and a Tax Deed?

What is the investment opportunty in Tax Certificates and Tax Deeds?

How do you get started?

On this week's episode of The Crushing Debt Podcast, Shawn & George talk to Brian Seidensticker, managing partner and founder of Last Best Partners as well as the founder and CEO of Tax Sale Resources. With a strong background in systems engineering and an advanced understanding of the tax sale industry, Brian has been instrumental in transforming the way investors access tax lien and tax deed information. His expertise in design and programming enabled the development of a comprehensive online platform that not only delivers accurate tax sale data but also effectively tracks investor needs, setting a new standard in industry due diligence and efficiency.

You can reach Brian at www.LastBestPartners.com or www.TaxSaleResources.com. Or email him at BSeidensticker@taxsaleresources.com.

Shawn, George & Brian discuss:

• How to get started with investing in unpaid taxes.
• The opportunities in vacant land vs. houses.
• Superiority of liens.
• Tyler v. Hennepin case (and what it means for tax investors)

Please also check out Brian's podcast - The Tax Sale Insiders Podcast, as well as his blog and other free resources!

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.

Do your kids have a paper route, or sell lemonade, or sell crafts they've made themselves? Did you?

How can you help foster an entreprenurial mindset in your kids?

How can your kids learn about the basics of business - planning, branding, marketing, sales, goals, operations, inventory, cash flow, profits & losses?

On this week's episode of the Crushing Debt Podcast, Shawn & George talk to Kelly Gersonde, Co-Owner of Kids Market, designed to provide kids with the opportunity to develop real-world business skills by creating and selling their own products and services in a supportive marketplace environment.

Being a business professional for over 15 years, Kelly has experience with marketing, business plans, sponsorships, and partnerships. Her experience will help grow Kids Market exposure and support so the kids can develop and focus on their businesses. Kelly has a degree in marketing from the University of Wisconsin and is a mom of a little boy and a fur baby.

You can reach Kelly at Kelly@KidsMarket.us, or checkout Kids Market directly at www.KidsMarket.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.

Would you give money to friends and family members? Would you loan money to them?

Are you "too nice" with your money?

What happens when you're out to dinner with a group of friends and the bill comes, but most of them were drinking and you were not? Or you had the steak and one of your friends had chicken. Or you ordered dessert with your dinner and no one else did? How do you split the bill, or do you?

What about tipping?

On this week's episode of the Crushing Debt Podcast, Shawn & George talk about whether you are too nice with your money and how you can set boundaries around giving and lending. What are some tips and techniques to set reasonable boundaries around loaning or giving money?

It's Better to Be Mean Than Nice When It Comes to Money | Psychology Today

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.

"Two bankruptcy attorneys go on a podcast to talk about debt!" Sounds like a set up to a bad joke.

On this week's episode of the Crushing Debt Podcast, Shawn & George talk to bankruptcy attorney Barry Levine, a graduate of New England Law | Boston (formerly the New England School of Law). Mr. Levine has acted as outside counsel to a number of small businesses in a variety of endeavors along with individuals experiencing financial difficulties. He is experienced in corporate work, the drafting of legal agreements and real estate transactions.

Over the course of his legal career, Mr. Levine has represented hundreds of individuals. He has successfully shepherded them through their difficult financial times and enjoyed getting them back on the road to financial well-being. Barry uses the law to stop creditor harassment and lessen your debt burden.

We talk about:

• Unpacking financial fear
• Real debt management strategies
• Myths of debt management and
• Bankruptcy terms (reaffirmations, 341, etc).

You can reach Barry at Barry@Levineslaw.com or www.Levineslaw.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.

How do you talk to your kids about stress?

How do you talk to your kids about debt?

In today's episode of the Crushing Debt Podcast, Shawn & George talk to Iuri Melo, the co-founder of School Pulse, a company dedicated to helping students and parents tackle real challenges - financial, emotional and beyond.

Building on last week's episode, we focus on:

• Stress prevention and proactive prevention
• Protective factors
• Positive and growth mindsets
• Stress growth and reduction
• Financial stress

Iuri has been a licensed Therapist for over 20 years and is a published author of two books - Mind Over Grey Matter & Know They Selfie. He has won awards for his theraputic work with individuals. With School Pulse, Iuri's vision is to inspire youth and young adults e verywhere to live deeply and to such out all of the marrow of life.

You can contact Iuri at www.SchoolPulse.org.

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.

Are kids today financially soft?

Or are they navigating a nightmare economy with style?

In today's episode, in addition to yelling "Get Off My Lawn!" Shawn & George talk about who had it tougher - their generation, previous generations, or the younger generations.

• Boomers vs. Zoomers: Who Had It Tougher?
• Social Media Pressure and Lifestyle Creep
• Financial Education: Still Optional, Still a Problem
• Side Hustle Culture: Modern Solution or Masking a Broken System?
• Debt: Old Struggles, New Packaging

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.