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Episode 122 - Crushing Debt Update & 1031 Exchanges

In this week's episode, I talk about an exciting new project from Crushing Debt (you'll have to listen, although I've dropped a few social media hints). However, I do make an offer for you (my listeners) to be involved in this new project by shooting me an email to To continue to provide additional content, I give you my take on 1031 Exchanges and how those can impact real estate closings. I am not a qualified intermediary, nor are we tax attorneys or CPA's, but I...


Episode 121 - Mortgage Originator Jeannine Smith, Fairway Independent Mortgage

Last week's episode was about reverse mortgages. This week's episode of the podcast features Jeannine Smith, loan officer with Fairway Independent Mortgage, and we discuss mortgages in general. Jeannine's email address is and her website is Jeannine has been in the mortgage industry for about 12 years, since 2006. Buying a house is easier than you might think. Jeannine and I dispel myths, like how much you may need in a downpayment,...


Episode 120 - Safely Using a Reverse Mortgage with Michael Banner

On this week's episode of The Crushing Debt Podcast, we talk with Reverse Mortgage expert Michael Banner, You can also email Michael at Michael and I discuss the myths and truths of a Reverse Mortgage. Michael is a frequent speaker on the use of home equity during retirement. If you have questions, or know someone who may need help with a reverse mortgage, contact us at or


Episode 119 - Jimmy Murray, Debt and Jokes

I have a very special guest on this week's episode. Jimmy Murray is a friend and fellow Podcaster, also part of the Florida Podcaster's association. If you have young kids, check out his podcast, The Kid Friendly Joke of the Day! Jimmy has done Stand-Up Comedy, Improv, Blogging and Podcasting, but for our show, his biggest accomplishment has been paying off over $80,000 of debt comprised of Medical Bills, Credit Cards, Student Loans, and a few Judgments. We talk to Jimmy about his...


Episode 118 - Garage Sale Lessons III

Twice a year my homeowner association hosts a community garage sale. Previously (episodes 68 and 86) I discussed lessons that I've learned selling my sh ... tuff at the community garage sale. This week's episode describes another lesson learned, this time at the Spring 2018 garage sale. If you have questions, please visit my website, or email me at


Episode 117 - Physical & Mental Coaching with Patty & Marleta

In this week's episode, I interview Patty Durell and Marleta Black. Patty owns Rock Solid Fitness since 2012 and has been a physical therapist since 1994. Each year, Rock Solid has achieved over 40% growth and now has 10 staff. Patty is on the show to discuss how your physical health impacts your ability to handle debt and stress. The growth of Patty's company can be attributed to her work with Marleta Black, who has 31 years of small business and leadership consulting, running teams of...


Episode 116 - Real Estate Investing with Rich on Money

Our last episode of May is an interview with Rich Carey of Rich is our third military interview in as many weeks, and is currently in the US Air Force, 2 years from retirement. On his website,, under the Real Estate Tab, you'll find his "Complete Guide to Real Estate Investing." Rich flipped houses in Washington D.C. to help build his income, he purchased rental properties for cash, he paid off $32,000 in student loans, and his $280,000 mortgage...


Episode 115 - Military Retirement with Forrest Baumhover

This week, we interview Financial Advisor Forrest Baumhover with Westchase Financial Planning. Our office is located in Westchase, just outside of Tampa, Florida. We met Forrest with a Keep It Local networking group. We both enjoy running, and helping people manage their money. In fact, both Forrest and I will be at FinCon, September 26 - 29, 2018, in Orlando, FL. Forrest retired from the Navy in April 2017, and now helps his clients understand and plan for retirement. You can contact...


Episode 114 - The Military Guide

In this week's episode, we interview Doug Nordman ("Nords") about his book The Military Guide, which you can find on his website, Nords joined the Submarine Force (Navy) right out of college and, upon retirement, found that there was a lack of information to show military members how to retire without having to go back to work. The Military Guide provides service-members, veterans and their families with a road map for becoming financially independent. For more...


Episode 113 -

In the week's episode of the podcast, I talk to Chris Costello, Chairman and Co-Founder of (with three "o's"). You'll hear the story of how got started in 2004, how the company created its vision and mission (and sticks to those ideals consistently). Chris and I talk about why he started a DIY Financial Planning Company and the challenges most of us face when dealing with "traditional" financial advisors. Chris even throws in a few tips on how he manages his debt,...


Episode 112 - First Party Litigation with Jim Jenkins

In this week's episode of the podcast, we interview our friend, Jim Jenkins, founder of Jenkins Law. Jim started Jenkins Law in 2013 following stints as a Pinellas County Assistant State Attorney (prosecuting people who violated criminal laws), and as an associate attorney at a large Clearwater firm handling personal injury matters. In fact, just about 3 years ago, Jim's wife, Kelly-Ann Jenkins joined the firm as a partner, and helped Jim grow a firm that now has multiple staff and 2...


Episode 111 - What Does the Seller Have to Disclose to the Buyer

This week's episode is an issue we get quite often unfortunately. What happens when the Seller knows about a defect with the house and fails to disclose it? What happens when the Seller does not know? What happens when the inspector misses an issue with the house? What happens when the Realtor knows (or doesn't know) about an issue with the house? What is the main case in Florida that discusses this issue? What do you think? Let me know at or


Episode 110 - Break The Business

Another week, another guest from Podfest Multimedia Expo 2018. This week's guest is Ryan Kairalla, an entertainment law attorney. You can connect with Ryan: Twitter: @ryankair Also check out the Break The Business Podcast, and Ryan's book, Break the Business available on Amazon, Audible, Apple Podcasts and other book outlets that don't begin with the letter "A." If you have questions for me, please contact me at or...


Episode 109 - The 10 Most Expensive Tax Mistakes that Cost Business Owners Thousands

The deadline to file your personal income tax return is in a few days. Therefore, in Episode 109, we talk with Craig Cody, who we met at Podfest 2018, about the 10 Most Expensive Tax Mistakes that Cost Business Owners Thousands. You should use your CPA as a resource to plan for your business. And in that spirit, Craig is offering all of our listeners a gift. You can pick up Craig's book at: You can also connect with me at or...


Episode 108 - Form 1099-C, Cancellation of Debt

On this week's episode, I talk about a recent case: The mortgage lender modified my client's loan and put the arrears at the end of the loan. Years later, the mortgage lender wrote off the debt and issued my client a 1099-C, Forgiveness of Debt, showing the home owner had phantom income. Sometime later, the client came to me to file a Chapter 13 bankruptcy. When the lender filed its claim in the bankruptcy case, the lender included the amount of debt previously forgiven! The status of the...


Episode 107 -

This week's episode of the podcast is an interview with Dave Fulk and Frank Coto with Hello Alex. Check out what Hello Alex can do at Hello Alex is an Artificial Intelligence system to help Realtors communicate with their clients and prospects. Hello Alex helps Realtors convert leads over multiple platforms using Artificial Intelligence (text, FB messenger, Live Chat, etc.). For more information, check out Or you can reach out to me at or...


Episode 106 - Christie Arkovich discusses Robocalling

Christie is back for her fourth episode of The Crushing Debt Podcast. Bear with me this week, as I deal with some laryngitis. Christie and I have discussed student loans, but in this episode, we're going to talk about consumer law - the TCPA (Telephone Consumer Protection Act). The TCPA is designed to stop robocalling, and abuse or harassment of borrowers by creditors. Creditors can pay damages of between $500 and $1,500 PER CALL if they are told to stop making calls and cease to do...


Episode 105 - Mary Wheeler of Abundant Wealth Solutions

We have a great guest to kick off Year 3 of content here at The Crushing Debt Podcast. We met Mary Wheeler, of Abundant Wealth Solutions, at PodFest Multimedia Expo 2018 this past February in Orlando, FL. Mary is a financial coach who holds local workshops, speaking to high school and college students about the dangers of debt. Mary's mantra is "Know debt, no problem!" and that makes her a perfect guest for The Crushing Debt Podcast! What we found incredible was that Mary eliminated...


Episode 104 - Property Tax Portability

In this week's episode of podcast (the last of Year 2), we talk about Property Tax Portability. Applications to qualify your FL residence as your Homestead were due March 1, however what happens if you move from one primary residence to another? Florida has a "Save Our Homes Cap" that prevents the taxable value of the homestead property from increasing by more than 3% from year to year. Previously, when the homeowner moved, they lost that 3% cap. In response, the Legislature enacted...


Episode 103 - Bankruptcy Cases "Dead on Arrival"

In this week's episode, we talk about bankruptcy cases that are DOA or Dead on Arrival - meaning a bankruptcy case that is dismissed within 6 months of being filed. This week's episode is based on an article in the ABI Journal article written by Ed Flynn, a consultant with the ABI (American Bankruptcy Institute. You'll remember Mr. Flynn, who also wrote an article that was the basis for Ep 79, Chapter 13 Success Rates. Today's episode reviews different factors that may cause a case to be...