Tune into this week’s episode of Crushing Debt as Shawn and George tackle holiday spending head-on! Discover practical tips for staying on budget this season, from Black Friday deals to DIY gifts, setting spending limits, and using those reward points you've saved. Perfect for anyone looking to enjoy the holidays without financial stress. Don’t miss out—listen now and share with friends!

Who is H.E.N.R.Y.?

Who is his friend A.L.I.C.E.?

What are some signs that you might be dealing with a H.E.N.R.Y.?

In 2003, Shawn Tully wrote an article for Fortune Magazine introducing us to H.E.N.R.Y. - High Earner Not Rich Yet.  This is someone who makes between $250,000 and $500,000 per year, but because of taxes, housing and family costs, basically lives paycheck to paycheck. 

In this week's episode, George and Shawn talk about H.E.N.R.Y. and his friends, A.L.I.C.E. (Asset Limited, Income Constrained, Employed) and D.I.N.K. (Dual Income, No Kids).

What are the pros and cons of being H.E.N.R.Y.? How can you break the cycle to become rich and stop being H.E.N.R.Y.? How can you climb out of the hole if you're A.L.I.C.E.?

Smart Money Moves for HENRYs: How to Get Ahead Financially

College Expense Guide for Parents & Students

Eating Healthy on a Budget: Practical Tips and Tricks

Unlock the Secrets to Financial Freedom – Start Your Journey Today!

Welcome to Curbelo Financial Coaching, where our mission is to initiate conversations about money and its associated frustrations, particularly in these challenging times.

We understand that managing finances can be a complex task, and through our innovative marketing strategy and educational approach, we aim to guide you towards financial stability and success.

Welcome to Curbelo Financial Coaching, where our mission is to initiate conversations about money and its associated frustrations, particularly in these challenging times.

We understand that managing finances can be a complex task, and through our innovative marketing strategy and educational approach, we aim to guide you towards financial stability and success.

Embracing a life of financial stability and freedom is not a far-fetched dream; it's a journey of strategic steps and disciplined decisions. At Curbelo Financial Coaching, we believe in empowering you with practical, effective, and transformative financial habits that serve as stepping stones to a blissful financial future. Below, we unveil seven crucial steps that pave the road to financial serenity.

The dream of pursuing higher education is a goal shared by many young individuals and their families. Yet, the rising cost of college tuition and related expenses can be a daunting obstacle. One effective way to make this dream a reality without the heavy burden of student loans is to save for college early. In this blog, we will explore the importance of saving for college, practical strategies to get started, and the numerous benefits of planning ahead.

When is the right time to start a new business? What should the economy look like?

Why do startups fail?

What pitfalls should a new owner understand and avoid?

In this week's episode, George and Shawn talk about these issues, with a focus on income, debt, financial statements, and other issues that may affect the new, small business owner.

Money management skills are the key to financial success, and they are essential life skills that every child should acquire from an early age. Teaching your kids about budgeting, decision-making, savings, and financial responsibility can pave the way for their prosperous future. Unfortunately, formal education rarely covers these topics, leaving it to parents to fill in the gaps.

A crucial component of financial literacy that often gets overlooked is the art of budgeting. A monthly budget is like the foundation of a strong financial house. It provides structure, discipline, and a clear path to achieving financial goals. The sooner your children grasp the concept of budgeting, the better equipped they will be to navigate the complex world of personal finance as adults.

But the question remains: how can you make budgeting a comprehensible and engaging subject for your children? The answer is simpler than you might think – involve them in the family budget!

As the July No Spend Challenge comes to a close, how did you do? How many points did you accumulate? How much money did you save? Were there any other goals you accomplished?

Thank you to Tiffanie Kellog, who asked on the Facebook page: "I was pondering a question for the podcast based on the no-spend challenge... what about a discussion on how to classify a NEED versus a WANT when it comes to spending $$$?"