Happy Valentine's Day from The Crushing Debt Podcast!

What is "good debt?"

What is "bad debt?"

What is debt that is neither good or bad?

In this week's episode, Shawn & George talk about the difference between "good" and "bad" debt, including a four-question debt test:

1. Does the debt help you earn more money?
2. Is the interest rate under control?
3. Would "future me" thank "present me" for this decision?
4. If I lost my income tomorrow, would this payment wreck me?

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

Do you work with family?

How does relationship-based networking impact your life? Your company? Your bottom line?

What are some of the biggest misconceptions about networking?

In this week's episode of The Crushing Debt Podcast, Shawn & George talk to Spencer Reynolds and his son Kamryn Reynolds, Co-Executive Directors of BNI Tampa.

Originally from Northern Utah, Spencer and his family packed up and
moved to Florida in 2017, trading mountains for sunshine and lakes. With
his wife, Tricia, running the show (let's be honest, she's the boss) and their
four incredible kids—three adventurous adult sons and their adopted
princess, almost 16—they're all about outdoor thrills, especially water sports
and international adventure travel. And when we say "thrills," we mean it!
Spencer's an adrenaline junkie—skydiving, hang gliding, mountain biking,
and even trekking to Everest Base Camp with his brothers. If it involves
speed, heights, or a near-death experience, he's probably done it… twice.
(Ask about their Grand Canyon White Water Rafting trip from last year,
wild!)

Before becoming the networking master he is today, Spencer spent 12
years as a mortgage broker before making the leap into professional
speaking and training in 2005. He's taken the stage in every major city
across the U.S. and Canada, teaching professionals how to build systems,
work By Referral Only, and grow businesses the right way with referrals.
Through BNI, he's expanded his reach globally, inspiring thousands of
entrepreneurs to unlock the power of relationships.

Kamryn Reynolds is a communication coach, keynote speaker, and the youngest Executive Director in BNI history. He's the founder of Articulate Advantage, helping professionals speak with power, clarity, and confidence.

A USF grad, Eagle Scout, and fluent Spanish speaker after serving a two-year mission in Argentina. Kamryn now specializes in keynotes and trainings for high-end hotels and resorts. Known for his high energy and practical frameworks, he's on a mission to become an Ironman, a TEDx speaker, and an international voice for intentional communication. He lives by one core belief: connection is the currency of opportunity.

Spencer, Kamryn, George & Shawn talk about:

• What surprises them the most about working together.
• Early money lessons.
• BNI / Networking Success Stories
• Biggest Misconception about BNI / Networking
• How long before networking pays off
• One business habit to adopt this year? To stop this year?

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

FIVE HUNDRED EPISODES of The Crushing Debt Podcast !!

Who knew way back in November 2015, that the Podcase would: (1) turn 10 years old, and (2) celebrate episode 500?

We like to think that The Crushing Debt Podcast is Florida's longest running legal episodic podcast - maybe even the Country's longest running...

What have we learned over 500 (plus) episodes?

What has changed in terms of money and debt in the last 10 years?

What do we predict for the next 10 years?

In this week's episode, Shawn & George take some time to reflect on 10 years and 500 episodes. We talk about the show's statistics, sponsorhips and relationships we've built over the years, memorable guests we've had, and memorable topics. We also talk about what has changed over the last 10 years in terms of money, mindset, and debt.

If today's episode is the first one you've listened to, or the 500th you've listened to, we appreciate all of the great lessons we've learned doing this show over the years!

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

What would you do if you had to start over in 2026?

Would starting over be a reset or a setback?

In this week's episode, Shawn & George talk about what you would do if you suddenly lost everything and you had to start over again. Unfortunately, this is a common theme amongst clients as they deal with job loss, divorce, poor economic conditions, health issues, etc.

In this week's episode, we talk about:

• Stablizing
• Generating Fast Cash
• Building a Safety Net
• Triage the Debt
• Lifesstyle Creep
• Rebuild Credit
• Increase Income
• Invest (after stability)
• Setting new rules (so you don't repeat the same issues)

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

You should visit your doctor annually for a physical. Do you give your business an annual check up? If so, when?

What things should you focus on in January as we start the new year?

In this week's episode, Shawn & George talk about these topics and more, including:

• Tax Compliance
• Corporation or LLC renewal
• Reviewing Your Prior Years' Numbers
• Expense and Recurring Payments Audit
• Pricing Audit (should you charge more, or stay the same)
• Legal & Compliance Audit
• Personally, a checkin as to how you feel as the Owner.

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

Why do resolutions die?

How do you beat the odds and make your resolutions a reality?

On January 1, we all believe that we are about to become someone who meal preps, budgets, and never impulse buys. Does that always happen?

On this week's episode of the podcast, Shawn & George talk about why resolutions die, including:

• Rebellion spending
• Waning motivation
• Shame or avoidance
• February
• Lack of tracking or monitoring
• Lack of specificity.

More important, we also discuss how to beat the odds, including:

• Shrinking the goals
• Building systems
• Budgeting
• DIY
• Accountability
• Calendars

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

Happy New Year from the Crushing Debt Podcast!

How do you manage your credit card debt after the holidays?

What are some tips for starting the new year on the path to being debt free?

Did you know that the average American household spends approximately $1,100 per person for gifts?

In this week's episode of the podcast, Shawn & George talk about managing credit card debt after the holidays, including tips like:

• Budgeting & Planning
• Pausing new spending
• Using the Snowball or Avalanche Debt payment strategies
• Setting up Automatic Payments
• Doing a new year no spend challenge
• Resisting Impulse Buys
• Saving for next year NOW

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

Merry Christmas from The Crushing Debt Podcast !!

How much "stuff" does the average American home have?

How many people utilize off-site storage for their stuff?

Are you able to park your car in your garage?

How long do you take searching for "missing" items?

How much does the average American family spend on non-essential goods.

This week, Shawn & George talk to Beth Ruck with Conquering Clutter (www.ConqueringClutter.net) about

• Statistics regarding the average amount of possessions of U.S. households
• Mindset regarding shopping and managing your possessions
• Paper management and how it can save you money
• How de-cluttering can help you conquer your debt.

You can contact Beth at BethRuck7@gmail.com.

At a young age, Beth learned from her mother that you can accomplish a lot in just 15 minutes. She has applied this idea in her roles as a homemaker, wife, and mother of two grown children. She holds a Bachelor of Science degree with a major in Accounting from the University of Wisconsin-La Crosse. She has worked as a bank teller, staff accountant for a commercial real estate firm, bookkeeper for three different non-profits, a substitute teacher, and a sales associate in a Christian book/gift store. She enjoys meeting new people, taking walks with her husband and dog, singing, knitting, reading and spending time with her granddaughter.

In 2015, Conquering Clutter was established. Over the past 10 years Beth has enjoyed working with clients and hearing their stories.

Her motto is: Helping people simplify their spaces so they have more time for what they love and who they love.

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