Crushing Debt

Hosted by Shawn M. Yesner

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Episodes

539

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Oct 2026

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About the show

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.

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October 22, 2026Episode 53634 min

Let Them Eat Cake (Just Not on a Credit Card)! - Episode 536

Is there good debt or bad debt? Should people who have spare cash flow pay off debt first or save first? What is financial freedom? Where do you begin in your journey to financial freedom and where do people get stuck? On this week's episode of The Crushing Debt Podcast, Shawn & George talk to Al Zdenek, an entrepreneur and a leader in the Wealth Management industry for more than 40 years. He is a Personal Financial Specialist (PFS), a CPA, and the author of bestselling books "Master Your Cash Flow ® : The Key to Grow And Retain Wealth" (ForbesBooks) and "Master Your Business Cash Flow ® : Grow The Company You Love, Live The Life You Want Now" (ForbesBooks). As an entrepreneur, he has founded many businesses including Traust Sollus Wealth Management LLC, recently co-founded CakeClub ® , a fintech company and creator of the CakeClub app ( www.CakeClubapp.com ) to educate users on how to make the best financial decisions, find cash flow, achieve financial goals sooner and live the life they wish along the way. He also recently co-founded Tyrus Pictures, LLC, a film production company headquartered in Los Angeles. www.alzdenek.com al@alzdenek.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/MyLegacy2027

October 8, 2026Episode 53540 min

How to Cruise Without Coming Home With A Boatload of Debt - Episode 535

What is your favorite vacation? Have you been on a cruise? How can you enjoy vacation without coming home to a boatload of debt? On this week's episode of the Crushing Debt Podcast, Shawn & George talk about the finances of cruising. In fact, on the day this episode comes out, Shawn and his boys will be heading to Port Canaveral for a cruise to the Eastern Caribbean! Shawn & George talk about: A cruise is all-inclusive, except when it's not. Your cruise budget Cruise budget traps What is your onboard spending limit Are you doing excusions Cruising and kids Vacation hangover And other cruise / vacation related expenses 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 we have reactivated our Purple Stride PanCAN team to raise money for pancreatic cancer research and treatment. The walk is April 24, 2027. Please consider a donation by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2027

October 1, 2026Episode 53443 min

Santa is Coming! Is Your Credit Card Ready? - Episode 534

As of the date of this week's episode release, we have Around 30 days until Halloween Almost 60 days until Thanksgiving Almost 90 days until Christmas Is your budget ready? Are you Credit Cards ready? How can you manage holiday spending this year, next year and the years beyond? Thirty-seven percent of all Americans have holiday debt, and the average household spends around $1,500 per year on gifts, but worse takes an average of 3 months or longer to pay off that debt! Shawn & George talk about holiday budgeting in September - yes, September, because for most people the end of the year goes like this: September - I have plenty of time October - I should probably start to think about gifts November - Black Friday specials !! December - Holy moly, how much did I spend? January - Who put $4,000 on my Visa card? To combat this, we talk about the five buckets for holiday spending: (1) Gifts, (2) Travel, (3) Entertainment, (4) Holiday Stuff, and (5) Ooops, I forgot to buy for ... 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 .

September 24, 2026Episode 53338 min

The Financial Fantasy Draft - Episode 533

Do you play fantasy football? In that same vein, George and I put together a fantasy draft of the worst money habits, to create a team of "bad" money habits. Do you agree with our draft choices? Would you have drafted or waived any of these? Our draft consists of: Round 1 — Franchise QB: the habit that drives the whole offense Lifestyle Inflation Keeping Up with the Joneses / Social Comparison Spending No Financial Goals ("Playing Without a Playbook") Round 2 — Starting Running Back: reliable short-term yardage, fumbles late Buy Now, Pay Later (BNPL) Payday Loans / Cash Advance Apps 0% Intro-APR Credit Cards Not Paid Off in Time Auto Loan/Lease Rolled with Negative Equity Round 3 — Wide Receiver: flashy, exciting, runs routes the game plan never called Emotional/Impulse Spending Sports Betting / Gambling Apps Retail Therapy Round 4 — Offensive Line: the protection, or lack of it No Emergency Fund Underinsurance (life, disability, health) No Estate Plan / No Will Round 5 — Special Teams (Kicker): small margins, misses that cost close games Subscription Creep Bank & Overdraft Fees Auto-Renewing Insurance Without Shopping Rates Round 6 — Head Coach: the game plan, or the absence of one No Budget at All A Budget That's Never Reviewed No Accountability Who are you drafting? 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 .

September 17, 2026Episode 53239 min

Your License Says Yes! Freddie Mac Says No! - Episode 532

How can you be still licensed, but effectively not licensed? What is the Freddie Mac Exclusionary List (or EList)? If you're on the EList, can you work around it? How do you come off the EList? On this week's episode of the Crushing Debt Podcast, Shawn & George talk about the Freddie Mac Exclusionary List. Shawn has multiple other podcast episodes and YouTube videos on the topic if you want to learn more, if you are on the EList, or if you know someone on the EList. Spoiler - it IS possible to come off the EList. 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 .

September 10, 2026Episode 53140 min

Ten Signs You're Doing Better Than Most Americans - Episode 531

Some of us like to, or try to, keep up with the Joneses, but what about doing better than the Joneses? What are 10 signs you're doing well financially? Better than most Americans financially? How behind are you financially, if at all? In this week's episode of The Crushing Debt Podcast, we look at 10+ factors to help you judge whether you are better or worse off than the average AND we talk about things you can do to address these issues. Emergency Savings Covering Surprise Expenses Savings Card Balances Net Worth Retirement And more ... 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 .

September 3, 2026Episode 53033 min

The Labor Day Reset - Episode 530

Why is Labor Day the real turning point of the financial year? What is Labor Day, and why is it ironic? After summer camps, vacations, back to school shopping, graduation, home improvements and other summer expenditures, what did the summer really cost you? On this week's episode of The Crushing Debt Podcast, Shawn & George take a look at Labor Day, what it means, and why it is important for your financial year. We discuss: The Summer Spending Autopsy Turning the financial hangover into hours using a formula you can calculate The interest tax Flipping the math forward 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 .

August 28, 2026Episode 52934 min

Why Smart Business Owners Stay Broke - Episode 529

What is the real reason your first accounting hire is drowning? When should a business owner stop DIY'ing their numbers and bring in real help? What is the messy truth about the first 12 months as a CFO? Why do strong finance hires fail in the wrong setup? On this week's episode of the Crushing Debt Podcast, Shawn & George talk to Wassia Kamon, CPA, CMA, MBA, the Chief Financial Officer of Access to Capital for Entrepreneurs (ACE), a leading Community Development Financial Institution (CDFI) based in Georgia. She brings more than 15 years of experience across manufacturing, technology, pharmaceuticals, and the nonprofit sector, with leadership roles in accounting and FP&A. Named the 2025 CFO of the Year by the Atlanta Business Chronicle and a two-time CPA Practice Advisor 40 Under 40 honoree, Wassia is a keynote speaker and guest faculty member for the Wharton Online FP&A Certificate Program. Her insights on finance leadership and governance have been featured in The Wall Street Journal, Accounting Today, Fast Company, and Strategic Finance. She is the host of The Diary of a CFO podcast, where she interviews finance leaders about team leadership and the realities of the modern CFO role in growing organizations. She serves on the AICPA Women's Initiatives Executive Committee and the AICPA Future of Finance Leadership Advisory Group. Please visit Wassia's websites at www.wassiakamon.com and www.TheDiaryOfACFO.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 .

August 20, 2026Episode 52841 min

Networking Isn't Networking - Episode 528

How does networking contribute to your financial freedom? To you being debt free? What are some networking mistakes people make in their debt-free journey? In this week's episode, Shawn & George talk about networking (which is how they met) and what we use networking to accomplish. We also talk about mistakes people make while networking that hurt their bottom line - thus hurting their ability to become debt free. We use networking to: Gain customers Meet referral partners Meet vendors Hire employees Take advantage of opportunities And more ... And some mistakes: Making networking a one-time thing Selling at a networking event (what's in it for me) Collecting cards Networking only when business is bad Failing to follow up Talking about yourself only Equating success with getting a referral. 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 .

August 13, 2026Episode 52736 min

Emergency Funds Are Boring Until They're Not! - Episode 527

Why does one unexpected legal expense knock your entire financial life off track? How do you create, fund and use an emergency fund? Is your emergency really an emergency, or something you could have planned for? In this week's episode of the Crushing Debt Podcast, Shawn & George talk about emergency funds and the apparent inability to absorb an unexpected expense without: Using a credit card, personal loan, or incurring more debt Borrowing from family or friends Invading retirement Skipping another bill that needs to be paid Buy now, pay later Ignoring it. Can you budget for the unexpected? Of course! The easiest way to save $1,000 is to save $100 and do that 10 more times! You can automate your savings so you don't even feel it. You can give yourself a (small) reward for achieving your savings goals. 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 .

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