In the inaugural episode of Debt Doctor 911, Dr. Chris Heeb sits down with Richard Schaffer, Field Partner with United Financial Freedom and Principal at Prestige Equity Group LLC, to discuss the inter-workings of debt.

With over 30 years of industry experience in the financial services industry, Richard brings a wealth of expertise to the conversation. While holding as many as 13 professional licenses in the industry, he's owned agencies and brokerages in the insurance, securities, mortgage, and real estate fields.

Together, Chris and Richard explore a handful of topics, including the problem with debt in our society and how to fix it, the secrets banks don't want to share with consumers, and the action steps necessary to eliminate debt and begin building wealth.

So sit back, relax, and enjoy a thought-provoking conversation surrounding the nature of debt and how there are options you can utilize to help your personal situation.

Timecodes:

0:10 - Who is Dr. Chris Heeb?

3:30 - Understanding debt is a game

4:45 - Introducing Richard Schaffer

7:20 - Richard's upbringing and exposure to finance

9:00 - We're all forced to play a game and we don't know the rules

13:40 - Mortgages and how they are the most complex loans

16:15 - The banks aren't being truthfully honest with us

18:45 - There is tech out there to help get your varying interest rates down

24:00 - Let's beat the bank at their own game

28:00 - The GPS example and how it applies to finances

31:55 - The Three C's (action steps)

33:50 - We have the tools to get you started!

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