Debt Dr 911
From The Horses Mouth - Doctor Reveals His Plan To Wealth

From The Horses Mouth - Doctor Reveals His Plan To Wealth

October 9, 2021

Dr. Dan Elmore, a recent graduate of Logan College of Chiropractic, has an overwhelming amount of student loan debt. Before meeting host Dr. Chris Heeb, Dr. Elmore believed like most doctors, that he would be in debt for the majority of his life. It wasn’t until he was introduced to the financial GPS that Dr. Elmore was able to envision a different life. Prior to graduating, Dr. Elmore knew down to the day when he would be debt free and he has since been able to enjoy his practice and plan for the future of his dreams.

Today, interest rates on student loans are more expensive than owning a home. This is why it is important for any graduate student to have a financial game plan before they enter the workforce. Even though he has several hundred thousand dollars of student loans, Dr. Dan Elmore is on track to have them paid off quicker than anyone else he knows. In less than 10 years, Dr. Elmore will be able to fulfill his dreams of owning an RV and traveling across the country with his wife and their dogs. And according to him, none of this would be possible without the financial GPS. 

Tune into this episode of Debt Dr 911 to hear Dr. Dan Elmore’s experience with the financial GPS. Learn more about how you can use this tool to accelerate the pay off of debts and free up more discretionary income so you can rid yourself of financial burdens for good.

Quotes:

  • “Those who spend 30 or more years paying interest on mortgages, cars, credit cards, etc, are simply making the bank rich.” (04:17-04:25)
  • “When you no longer have to make interest payments to the bank, the possibilities for building wealth are endless.” (04:48-04:52)
  • Today, interest rates on student loans are higher than house payments.” (26:15-26:18)
  • “If you fail to plan, plan to fail. If you're an MD then you plan pretty well so why not see if we can try this plan out.” (29:05-29:15)
  • “I want all these things that require freed up cash flow and I'm going to have that before 10 years while most other students are fretting about where they are even going to start.” (31:53-32:05)

 

Links:

www.slpayoff.com

To follow our podcast please go to DebtDr911.com 

To schedule a FREE Payoff Analysis please go to MoneyMaxNow.com 

Please give us visit, like, or follow us on social media:

Website – www.NoDebtNoMore.com

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LinkedIN Biz Page -https://www.linkedin.com/company/debtdoctor911

Your Student Loans & How To Thrive Without Them!

Your Student Loans & How To Thrive Without Them!

October 4, 2021

At age 25, Catalina Kaiyoorowongs, Founder & CEO of MyLoanSense, was denied a home loan despite having an 800 credit score. Unfortunately, the only answer the lender could give Catalina was that her student loans were too high. If it weren’t for her prior knowledge in policy, Catalina would have been wrongly convinced that she would have to delay home buying for several more years. Today, she is passionate about educating others on how to save money and reduce the burden of student loans.

Homeowning is one of the best things someone can do to build wealth, but because of today’s high student loan rates, people are delaying the home buying process for over 5 years. After her experience in 2014, Catalina has made it her mission to solve the largest pain point of our generation through partnerships and policy. Catalina’s company MyLoanSense is digital student loan advising that's designed to turn loan debt into equity building mortgages. Through her philosophy, Catalina’s clients save 20x more than they would by calculating their payments on the federal government's website.

Don’t let your education get in the way of building the future of your dreams. Tune into this week’s episode of Debt Dr 911 to learn how you can  minimize payments, maximize forgiveness and diminish financial stress caused by student loans, 

Quotes:

  • “I don’t believe an education should hold us back from wealth building.” (16:53-16:57)
  • “Student loan debt is delaying home buying by 5 years.” (17:12-17:17)
  • “80% of our wealth comes from the value of our home, and now we're losing five years of equity building.” (17:38-17:44)
  • “The greatest planner to get is one that understands how to solve the greatest pain point you have.” (33:57-34:03)

Links:

Go here for Free Student Loan Analysis - www.slpayoff.com

To follow our podcast please go to DebtDr911.com 

To schedule a FREE Payoff Analysis please go to MoneyMaxNow.com 

Please give us visit, like, or follow us on social media:

Website – www.NoDebtNoMore.com

Facebook Page – https://www.facebook.com/stldebtdr

Twitter - https://twitter.com/DebtDoctorStL

Instagram - @thedebtdr

LinkedIN - https://www.linkedin.com/in/debtdr/

LinkedIN Biz Page -https://www.linkedin.com/company/debtdoctor911

One-Two Punch To Knock Out Your Debt

One-Two Punch To Knock Out Your Debt

September 16, 2021

“The great thing about the program is that once you have it, you have it for life,” says Carlos Gutierrez, a satisfied customer of Money Max Account. On today’s episode, your hosts Dr. Chris Heeb and financial expert Richard Schaffer, sit down with Carlos to discuss how the financial GPS has saved him and his family from drowning in debt. 

When Carlos was introduced to the program almost a decade ago, he never imagined being able to get out of debt. Barely scraping by month-to-month, the bank put him on an 8.6-year plan to get out of debt. After meeting host Richard Schaffer, Carlos was able to be debt-free in under TWO YEARS! Not only has this system worked well for Carlos, but over the course of the last year, the financial GPS saved his wife from almost 100k of student debt!

If it worked for Carlos, it can work for you! Don’t wait any longer, get online to get your free payoff analysis now and tune into this week’s episode of Debt Dr 911 to find out how you can eliminate your debt in as little as a few years. 

Quotes:

    • “The plan I was on with the bank, I was going to be done in 8.6 years and what I was actually able to do was be debt free in 1.8 years.” (08:28-08:38)
    • “I ran my wife’s analysis with the company and she was able to knock out $75,000 of an almost $100,000 balance.” (12:18-12:28)
    • “We were able to reduce her payment from nearly $1,000 a month to only $165 a month. Freeing up almost $800 in discretionary income and for us, that’s a game changer.” (16:18-16:34)
  • The great thing about the program is that once you have it, you have it for life.” (18:03-18:06)

 

Links:

To follow our podcast please go to DebtDr911.com 

To schedule a FREE Payoff Analysis please go to MoneyMaxNow.com

Student Loan Payoff - www.slpayoff.com

Please give us a visit, like, or follow us on social media:

Website – www.NoDebtNoMore.com

Facebook Page – https://www.facebook.com/stldebtdr

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LinkedIN - https://www.linkedin.com/in/debtdr/

LinkedIN Biz Page -https://www.linkedin.com/company/debtdoctor911

Podcast production and show notes provided by HiveCast.fm

Avoid the Pitfalls of the Pandemic - Plan for Financial Success

Avoid the Pitfalls of the Pandemic - Plan for Financial Success

September 9, 2021

It is no secret that the last 18 months have been a large financial stressor for most Americans. With the pandemic causing high rates of unemployment, the government stepped in to temporarily ease financial burdens by allowing a period of forbearance programs for mortgages and student loans. But the truth is, prior to the pandemic, the vast majority of Americans were already in a financial crisis. Today, your hosts, Dr. Chris Heeb, and financial expert Richard Schaffer discuss how to avoid the pitfalls of the pandemic by planning ahead for financial success. 

With forbearance programs coming to an end, many Americans are scrambling to dig themselves out of the financial hole they fell into. There is no doubt that the pandemic is affecting financial insecurity and there are real reasons to be scared! From buying a house, or a car, or living a life free from financial strain, Richard explains that the debt to income ratio affects just about every decision a person makes. This is why it is important to take advantage of the opportunity to automate your finances and get out of debt in record time. And believe it or not, there are viable solutions to your financial dilemmas.

Don’t wait until it’s too late, get ahead on your finances NOW! Tune into this week’s episode of Debt Dr 911 to find out how you can alleviate fiscal pressure and avoid the future financial pandemic that's to come. 

Quotes:

  • “He who has the gold makes the rules, and possession is nine-tenths. That is the reason that banks and financial institutions are the biggest buildings in any city, in any state, in any country of the world.” (08:23-08:35)
  • “The bottom line is, though, prior to all of this craziness in the world,  the American households were still not able to handle unexpected bills. We were still not saving enough money and we were still putting ourselves in a position for failure.” (10:08-10:27)
  • “For people in their 30s and 40s, the biggest financial insecurities tend to be centered around debt, including student loans, childcare costs, and home mortgages. They found that as a result, the debt to income ratio is around 136% for that age group.” (19:19-19:38)
  • “Automating your finances can not only be a smart money move but can also alleviate some of the stress surrounding payment deadlines.” (33:06-33:16)
  • “The number one reason most people are not adequately insured and aren’t saving or investing aggressively enough for college, retirement. etc., is because they do not have enough money. And the number one reason they don't have enough money is because they're typically drowning in debt service.” (36:35-36:48)

Links:

To follow our podcast please go to DebtDr911.com 

To schedule a FREE Payoff Analysis please go to MoneyMaxNow.com 

Please give us a visit, like, or follow us on social media:

Website – www.NoDebtNoMore.com

Facebook Page – https://www.facebook.com/stldebtdr

Twitter - https://twitter.com/DebtDoctorStL

Instagram - @thedebtdr

LinkedIN - https://www.linkedin.com/in/debtdr/

LinkedIN Biz Page -https://www.linkedin.com/company/debtdoctor911

Podcast production and show notes provided by FIRESIDE Marketing

The Perfect Financial Storm is Looming - Steps to Avoid It!

The Perfect Financial Storm is Looming - Steps to Avoid It!

August 26, 2021

In the early stages of the COVID-19 crisis, it seemed almost inevitable that the housing market would see a crash. In fear of history repeating itself, the government came to the assistance of the millions of Americans who lost their jobs due to the pandemic. The increase in government assistance coupled with historically low interest rates has encouraged many people to either buy expensive homes or stop paying their mortgages altogether. As government aid comes to an end, most Americans will find themselves underwater. In today’s episode, your hosts Dr. Chris Heeb and financial expert Richard Schaffer discuss how to survive the future financial storm. 

Starting on September 30th mortgage forbearance programs are going to come to an end. According to host Dr. Chris Heeb, a striking amount of his clients have not prepared themselves for this. This is why it is critical to get a game plan in order to endure the effects of the last year and a half. While it is unlikely that we will experience a recession as devastating as 2008, there are several factors to be concerned about. According to Richard Schaffer, the best way to prepare yourself for what's to come is to go back to the basics. Look at your bank statements, see where you spend your money, and where you can decrease spending. You would be surprised how the impact that small amounts of money can have over a long period of time. 

While the future is full of uncertainty, there are many things you can do to protect yourself and your family financially. Tune into this week’s episode of Debt Dr 911 to learn more!

Quotes:

  • “A crash in the housing market seemed inevitable during the early weeks of ‘the COVID-19 recession’ but that bust didn’t come to fruition, in fact the opposite happened.” (01:55-02:09)
  • “The government has announced they are going to stop buying back bonds.  The average person doesn't really need to understand what that means, but indredclty helps to subsidize rates so it makes things more affordable.  (06:38-06:52) 
  • “People need to wake up and recognize that whatever debt they have is costing them a heck of a lot more based on the principle they pay down.”  (16:02-16:13)
  • “It’s the small amounts of money compounded over a long period of time that makes a massive impact.” (22:10-22:16)

Links:

To follow our podcast please go to DebtDr911.com 

To schedule a FREE Payoff Analysis please go to MoneyMaxNow.com 

Please give us visit, like, or follow us on social media:

Website – www.NoDebtNoMore.com

Facebook Page – https://www.facebook.com/stldebtdr

Twitter - https://twitter.com/DebtDoctorStL

Instagram - @thedebtdr

LinkedIN - https://www.linkedin.com/in/debtdr/

LinkedIN Biz Page -https://www.linkedin.com/company/debtdoctor911

Podcast production and show notes provided by FIRESIDE Marketing

How to Buy and Pay Off Your Dream Home in Record Time!

How to Buy and Pay Off Your Dream Home in Record Time!

August 19, 2021

Overview:

Today on Debt Dr 911 your hosts Dr. Chris Heeb and financial expert Richard Schaffer invite their first guest speaker Justin Ford, a reputable real estate agent, to discuss how he uses the financial GPS to help  his clients pay off their mortgage in record time. 

Justin was first introduced to the real estate industry when he was just 22 years old. After experiencing a taste of success, Justin jumped straight into debt. He and his wife purchased a home that was foreclosed and two cars that would later be repossessed. It wasn’t until he started working alongside Richard Schaffer that he truly began to understand what debt really meant. Justin has since shared the tools to get out of debt and taught his clients how to bank like bankers. The genuine nature of his work has increased his sales and added a competitive element to a saturated industry. 

Check out this week’s episode of Debt Dr 911 to hear Justin Ford’s thoughts about debt and mortgages. Learn more about how you can reduce your 30 year mortgage by half or more! Remember, true freedom is financial freedom! 

Quotes: 

  • “When I learned that the word mortgage means ‘death grip’ I was blown away at the new knowledge and understanding of what it means to be in debt basically forever.”  (07:42- 07:52) 
  • “People don’t realize the interest that is built up. Even though interest rates are low right now, there is still a ton of money that has to be paid in interest.” (17:08- 17:17) 
  • “You can’t experience true freedom until you’re financially free.” (31:59-32:02) 

Links:

To follow our podcast please go to DebtDr911.com 

To schedule a FREE Payoff Analysis please go to MoneyMaxNow.com 

Please give us visit, like, or follow us on social media:

Website – www.NoDebtNoMore.com

Facebook Page – https://www.facebook.com/stldebtdr

Twitter - https://twitter.com/DebtDoctorStL

Instagram - @thedebtdr

LinkedIN - https://www.linkedin.com/in/debtdr/

LinkedIN Biz Page -https://www.linkedin.com/company/debtdoctor911

Podcast production and show notes provided by FIRESIDE Marketing

Get Your Financial House In Order!

Get Your Financial House In Order!

August 17, 2021

Overview:

If the economy were to collapse, are you financially prepared? With the current state of the world, it is important to secure the foundation of your financial home. In today’s episode, your hosts will break down the current economy and explain why you should be putting together emergency financial funds.

While many claim we are in a state of economic expansion,  your hosts, Dr. Chris Heeb and financial expert Richard Schaffer,  explain there are many economic indicators that point towards a potential financial crisis. Some things to consider include: historically low rates, inflation and taxes- all of which will impact affordability in the near future. 

Richard explains that the lack of planning is what puts people in a financial grave. Take the time to develop plans and strategies to make your money work for you, especially when the banks are running low. 

Tune into Debt Dr 911 this week with Dr. Chris Heeb and Richard Schaffer for a brief overview of the economy. Learn some of the tips they use to stay ahead of the economy to make sure you can build the financial house of your dreams. 

Quotes:

  • “Develop the pay yourself first mentality. You need to save first and spend what’s left instead of spending first and saving what’s left.” (06:45-06:53)
  •  “It’s so important for people to get educated. You need to know exactly what your money is doing for you and you need to have protective mechanisms such as an emergency fund put in place.  (22:26- 22:40) 
  • “People don’t plan to fail, they just fail to plan. If you have a goal without a plan then it is just a wish.” (23:52- 23:58)

Links:

To follow our podcast please go to DebtDr911.com 

To schedule a FREE Payoff Analysis please go to MoneyMaxNow.com 

Please give us visit, like, or follow us on social media:

Website – www.NoDebtNoMore.com

Facebook Page – https://www.facebook.com/stldebtdr

Twitter - https://twitter.com/DebtDoctorStL

Instagram - @thedebtdr

LinkedIN - https://www.linkedin.com/in/debtdr/

LinkedIN Biz Page -https://www.linkedin.com/company/debtdoctor911

Podcast production and show notes provided by FIRESIDE Marketing

Debt Free is the New Sexy!

Debt Free is the New Sexy!

July 29, 2021

Overview

There has been a lot of emphasis on self improvement over the past decade. The younger generations invest a lot of time and money figuring out ways to make their lives easier. From personal well being , to fitness, to finances, everyone wants to be the best versions of themselves. In today’s episode your hosts Dr. Chris Heeb and financial expert Richard Schaffer discuss ways you can become financially sexy no matter how old you are!

Understanding money and how to bank like a banker is a complex concept that most people don’t have the time or resources to understand. That is why your hosts have dedicated the last parts of their careers to developing a user friendly system that rids people of their debt in record time! Think about what you could do if you were debt free. Retiring early, taking your dream vacation, paying for college for your kids, or even buying a second home is entirely possible!

Tune into this week’s episode of Debt Dr 911 to learn more about how you can free yourself from the chains of debt to achieve a life that is designed by you.  It really doesn’t get much sexier than that!

 

Quotes

  • “I think the combination of both strategy and having faith and hope will get you to where you want to go.” (08:35- 08:41) 
  • “As it relates to money, the problem is people buy things they don't need with the money they don't have to impress people they don't even know.” (11:06-11:12) 
  • “Being debt free allows you the real legitimate opportunity to not just have financial security but potential financial independence for you and your family for decades to come and that’s really powerful.”  (34:50- 35:01)

Links

To follow our podcast please go to DebtDr911.com 

To schedule a FREE Payoff Analysis please go to MoneyMaxNow.com 

Please give us visit, like, or follow us on social media:

Website – www.NoDebtNoMore.com

Facebook Page – https://www.facebook.com/stldebtdr

Twitter - https://twitter.com/DebtDoctorStL

Instagram - @thedebtdr

LinkedIN - https://www.linkedin.com/in/debtdr/

LinkedIN Biz Page -https://www.linkedin.com/company/debtdoctor911

Podcast production and show notes provided by FIRESIDE Marketing

#1 Tip To Chart Your Own Course To Financial Freedom

#1 Tip To Chart Your Own Course To Financial Freedom

July 22, 2021

Welcome to episode 3 of Debt Dr 911. In today’s episode, your hosts Dr. Chris Heeb and financial expert Richard Schaffer will discuss the common limiting beliefs most Americans have about their mortgages. They will teach you how to rescale your perspective to think long term so that you can achieve financial freedom sooner than you ever thought possible!

Most Americans are comfortable being stuck in their mortgages for decades. The banks and lenders have taught us that it is beneficial to stay in debt because it brings tax benefits. While it is possible to have some write offs, the costs outweigh the benefits by a ton.  According to Richard, there is no reason to stay in debt longer than you need. You will find yourself miles ahead when you don’t have any debt at all. 

Tune into this week’s episode of Debt Dr 911 to learn how you can get out of loanership and transform to ownership of your money!

Quotes:

  • “You do not create a debt, or maintain a debt for the pure benefit of tax deductibility because there is still a real cost.” (04:45- 04:53) 
  • “Long term, college planning, retirement planning, etc. are things that are going to require REAL dollars. The quicker I can expire those debts, the more dollars i can drive towards those objectives”  (07:03- 07:17

Links:

To follow our podcast please go to DebtDr911.com 

To schedule a FREE Payoff Analysis please go to MoneyMaxNow.com 

Please give us visit, like, or follow us on social media:

Website – www.NoDebtNoMore.com

Facebook Page – https://www.facebook.com/stldebtdr

Twitter - https://twitter.com/DebtDoctorStL

Instagram - @thedebtdr

LinkedIN - https://www.linkedin.com/in/debtdr/

LinkedIN Biz Page -https://www.linkedin.com/company/debtdoctor911

Podcast production and show notes provided by FIRESIDE Marketing

The Secrets Behind A Financial GPS

The Secrets Behind A Financial GPS

July 15, 2021

Do you know the exact date, month and year that you’ll be debt free? If you're like most people, the answer to that question is no. The reality is that most people take a lot of pit stops along the way that add a lot of time and interest to their already existing debt. Today on Debt Dr 911, your hosts Dr. Chris Heeb and financial expert Richard will discuss rate of return and market myths, how to create a game plan with a financial GPS, and ways that banks are robbing you of your own money making power.

On last week’s episode, your hosts busted myths surrounding interest rates. According to Richard, it is just as important to read between the lines when it comes to the rate of returns. Similar to interest rates, percentages can be  intentionally deceiving, too.

It sounds fictional to imagine living a debt free life. Back in the day, it was looked down upon to be in debt. But in today’s modern day society, we have a culture that thrives around instant gratification that consistently keeps us slaves to our debts. Unfortunately, most people don’t know how to efficiently allocate their money to pay off their debt and avoid increasing interest. Luckily for all you listeners, your hosts have created a financial tool that takes into consideration everything you owe and everything you make and reroutes you to the quickest path to financial freedom. A personalized Financial GPS, if you will!

Tune in to this week’s episode of Debt Dr 911 to learn more about a financial GPS and  how you can bank like a banker by maximizing every dollar you have BEFORE you spend it! 

Quotes:

  • “For every dollar we are not deploying, we are forgoing money that could otherwise be used to leverage against those debts to pay them off more quickly or more efficiently.”(07:31-07:40)
  • “We are continuously finding ways to stay in debt.” (22:22-22:24) 
  • “If your money isn't growing, it's dying.” (30:53-30:55) 
  • “83% of all bank accounts are non-interest bearing accounts.” (33:18-33:20)

Links: 

To follow our podcast please go to DebtDr911.com 

To schedule a FREE Payoff Analysis please go to MoneyMaxNow.com 

Please give us visit, like, or follow us on social media:

Website – www.NoDebtNoMore.com

Facebook Page – https://www.facebook.com/stldebtdr

Twitter - https://twitter.com/DebtDoctorStL

Instagram - @thedebtdr

LinkedIN - https://www.linkedin.com/in/debtdr/

LinkedIN Biz Page -https://www.linkedin.com/company/debtdoctor911

Podcast production and show notes provided by FIRESIDE Marketing

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