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.

How do college visits factor into the cost of college?

What is the total price of college? Is it the same as listed on the schools' websites? What price should parents or students expect to pay for college?

What is the real price difference between private and public universities?

What is late-stage college planning?

On this week's episode of The Crushing Debt Podcast, Shawn & George talk to Brad Baldridge, one of the nation's leading financial experts on the best ways to plan, save and pay for college without wiping out their finances.

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 $$$?"

The holiday season is a time of joy, giving, and celebration, but it can also be a time of stress, especially when it comes to managing your finances. If you've found yourself in a last-minute scramble to budget for the holidays, don't worry – Curbelo Financial Coaching is here to help!

We understand that unexpected expenses and busy schedules can make it challenging to plan ahead, but with a few practical strategies, you can still enjoy the season without breaking the bank. In this blog, we'll share some effective last-minute holiday budgeting tips to keep your finances in check.

How much credit card debt do you have?  At what interest rate?

What happens if you can't communicate with your significant other?

How do you protect the money you inherit from a partner who spends?

This week Shawn & George tackle these topics on the show, giving their takes on questions and headlines such as:

• Americans are hiding their credit card debt

• I don't want my spendthrift husband to get his hands on my inheritance

• My boyfriend wants to put an end to my money-saving lifestyle

What do you think? Do you talk to others about your money or your debt?

I meet a lot of people who’re looking for the right tools to help their businesses achieve milestones. And when I interact with them, I realize that most people don’t really have much clarity or knowledge about ‘cash-flow management’, which is a major factor that contributes to the success of a business.

And this lack of understanding often impairs their ability to make and manage money, hence leading to slow or negative growth rates.

Every company’s goal is to make money, but how you utilize it and re-invest it is what makes all the difference.

There's been a bit of news lately on President Biden's plan to cancel student loan debt, especially after the United States Supreme Court ruled that the President has no authority to cancel the debt without Congressional action.

What are your thoughts?  Are you in favor of canceling debt?  Against it?

Recently, the New York Times came under fire for suggesting that "death" is a way to cancel student debt. Unfortunately, they are correct.  Note that neither the article nor Shawn & George are suggesting that people hurt themselves in any way to avoid paying back student loans. From a legal and contractual perspective, if a student loan borrower (any borrower really) passes and there is no co-signor on the debt, then the debt is eliminated - subject to the borrower's estate having no money.

We’re in the middle of summer, how’s it been going with the finances?

Depending on where you’re at it may be time to take a closer look at your finances and ensure they are ready to make the most of this vibrant time of the year. Whether you're a potential client seeking financial guidance or an existing client looking for fresh insights, these five simple tips will help you enhance your spending and saving habits, allowing you to enjoy a financially sound and stress-free summer.

The Fourth of July was a few days ago! How did you celebrate?

How did you say "thank you" to those that protect us and our freedoms?

This week's guest on the Crushing Debt Podcast is C. David Cain, CEO and Chief Hero Evangelist of Heroes Home Advantage. He has 24 years' experience as a top-producing Loan Officer, and is on a mission to create brand awareness for the largest hero rebate program in the country when buying or selling real estate!

As we reach the midpoint of the year, it's an opportune time to assess your financial progress and make necessary adjustments to meet your money goals. Reviewing your financial situation helps you identify areas of improvement and sets you up for success in the second half of the year. In this blog post, we'll explore three practical tips to assist people struggling with their budgets in improving their chances of accomplishing their money goals for the remainder of the year.