show episodes
 
Join weekly The Debt Dr, Chris Heeb, and Financial Expert, Richard Schaffer, as they explore the key factors to resuscitating your financial dreams and discuss the key elements to living a debt free life. Listen as they expose the banks and lenders to their covert lending practices that flatline your wealth building, and gain valuable insight to proven remedies to financial freedom.
 
WYE is the podcast that responds to all emergencies on and off the job. This podcast covers four core areas of life: Physical, Financial, Emotional, and Professional. Inside each of those cores lies four phases of an emergency: Education, Preparation, Response, and Recovery. Through each core, WYE will offer different perspectives on each phase. Industry and Subject Matter Experts will offer their guidance on how best to leverage possibility and maximize results in each of the four areas.
 
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show series
 
Bridget Truxillo, pronounced as it looks, not as it sounds, joins the guys today to talk about an interesting angle she has on the wellness trend sweeping (finally) through First Responder Land. At her website MyProtectiveWellness.com Bridget shares tips to get a handle on your out of control life and bring you back to reality using her experience …
 
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…
 
Here's a fun fact about me: MC has taken a trip every year with his dad since he was 12-years-old. As it happens, he's currently on his 37th annual trip! Consequently and in combination with the relatively heavy subject matter of late, Justin and MC wanted to lighten the proverbial load a bit and go back in the archives for some significantly light…
 
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 h…
 
WARNING: This episode contains descriptions of traumatic events involving children and discusses suicide. Listener discretion is advised. Red Help is an organization trying to bring awareness to Firefighter mental health and speak candidly about suicide risks. We all know the story: Someone shares that a colleague died by suicide and the entire com…
 
On the other end of the microphone this week is owner of Filthy Pirate Coffee, Dan Spencer. In addition to being a veteran, and retired Police Officer, Dan and his family followed their passion and now make some amazing coffee and tea combinations. And in addition they give back to their community in addition to offering free coffee in their shack/…
 
“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 Carl…
 
Catchy title, right? This week the guys sit down to talk about their recent emergency, both from the patient's (Justin's) point of view and from the family members and friends learning of the event and what to do next. We discuss: What happened to Justin that day and how he came to be in the hospital How Justin's wife reacted to the phone call and …
 
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 majorit…
 
Living in a beautiful mountain mining town in northern California certainly has its perks. The amazing scenery, the history of the little towns and old buildings scattered through the valleys, the old railroad stations...it can be an amazing life. Until Fire Season. Listen as we interview MC's sister-in-law and brother-in-law about their experience…
 
If you enjoyed last week's explicit tag, this week won't disappoint either! Therapist Lauren Rich returns to talk about trauma. Here's what you'll learn: What trauma is and isn't and why it's so hard to tell Common signs we may see in ourselves and each other that may indicate we need help How to get over the "suck it up" mentality everyone thinks …
 
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 enc…
 
WARNING: This episode contains explicit language and frank discussion of traumatic scenes and events some listeners may find inappropriate. Listener discretion is advised.​ This week, we talk with licensed Psycotherapist Lauren Rich from LaurenRich.net. Her slogan says everything you need to know about if Lauren gets what first responders and veter…
 
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 ye…
 
We've always talked about how important home life is as a first responder. Coming home safe can't be your only goal and if you solely identify yourself as what you do for a living, it can make home life miserable not just for you but for everyone around you.​ This week, we welcome speaker and wellness trainer Jonathan Parker to talk about just this…
 
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…
 
In this episode, we talk about the #RiverFire and the sad news that MC's sister-in-law and brother-in-law lost their home and everything in it. We reference our first episode where we discuss Disaster Planning, but, more importantly, we are asking for your support for Lizz and Jamie Porter. They are our family and our friends. You can help by going…
 
Everyone in the first responder family needs to be thinking about life after the job. Whether you're a few weeks from retirement or looking at a full 30 years ahead of you, your thoughts need to be focused on being safe and what to do later. This week the guys welcome LEO 2 CEO founder Adam Wills to discuss his efforts in helping other LEOs prepare…
 
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 …
 
This week your hosts continue a conversation started with New York Times Bestselling Author, and tall guy, Jon Acuff about his new book Soundtracks. They only had 30 minutes of Jon's time and didn't even crack the surface of all the questions, observations and comments they had, so they hung up with him and hit record again to discuss it. This week…
 
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 pos…
 
This week your hosts welcome New York Times Bestselling Author, and tall guy, Jon Acuff to talk about his new book Soundtracks. As you are aware, many first responders struggle with an inner monologue that drives us down. "I'm not good enough. I'll never get promoted. I can't find a better job." Researcher Mike Peasley PhD and Jon worked for years …
 
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 wil…
 
New York Times Bestselling Author, Jon Acuff, dropped by the WYE studios to ask our resident Motor a burning question: "Are cops required to get tazed?" Oddly enough, the topic of being set on fire also comes up...but that's how WYE works, right? Don't miss out on MC's answer...and look for our upcoming interview with Jon next week!…
 
Overview: Your hosts, Dr. Chris Heeb and financial expert Richard Schaffer, are on a mission to restore people’s financial health. They kick off their debut episode of Debt Dr 911 by exposing the tactics banks and lenders use to ensure you lose thousands of dollars and years of your life to interest. While it is important to have a low interest rat…
 
The Florida community of Surfside is still reeling from the sudden collapse of an condo building overnight a few days ago leaving 150 people presumed dead. While many news outlets are finding new security footage, as first responders we can learn a lot from talking to the responders first in on these scenes. You'll learn: The importance of a good L…
 
Remember early 2020 when we only had to wait three weeks to make Covid go away? Ah, simpler times. 15 months later, we're starting to emerge from our relative cocoons and starting to see normal sights. Like bar fights, publicly inebriated idiots (aka Otis), and the like. What kind of "normal" things are you seeing where you are?…
 
We all know the lives of First Responders are jam packed with stress. If it isn't home, it's work. If it isn't work, it's home. In this episode, we discuss an article from PoliceOne (written in the quaint year of 2017) all about stress...its causes and how to reduce it. More to the point, we are partnering with Yoga for First Responders and hosting…
 
You can't swing a turnout coat without hitting some buddy cop movie or show these days and it shouldn't be a surprise. Hunting down bad guys while your supervisor challenges your methods and threatens you with punishment sounds exciting, right? Movies like Backdraft and...well...Backdraft sure make being a fireman seem exciting, but is it real? Let…
 
Listener Brian dropped us a question about heads up displays for Law Enforcement. Your experts jump in with the pros and cons, finding far more pros as well as a number of reasons why it will be an uphill battle to get these technologies accepted by the broader first responder world. This week the guys talk about the different applications of a HUD…
 
The internet of Things (IoT) is a living force that surrounds us and binds us together...no wait, that's the Force.​ IoT is very popular and is likely in use in your home and workplace without you realizing it. Your Alexa or Google Home Assistant is constantly listening for a phrase and if your query isn't understood it sends a recording to a human…
 
The Citizen's Arrest. A tool used by Hollywood to advance a story line or real thing one can do? Can any random person detain any other random person if they witness a crime and hold them until Police arrive to make an actual arrest? This week you'll find out! Listener/Loose Cannon, Jillian, jumped on Speakpipe (on our homepage Here) and recorded h…
 
This week on What's Your Emergency the emergency is that we just found out a good friend died. The tears of sorrow, the laughter of good memories and the need to sometimes just sit quietly by a friend as they grieve are all topics for this week. Moving forward though, make sure of the following: Your living will and other documents are on file and …
 
Over the past (wiggle hands and fingers wildly) years we've tried to share as much knowledge as we can about living in the three disciplines of Police, EMS and Fire. We do this by inviting on guests that have inspired us, authors who distract (and inspire) us, heck we even invite people we disagree with to learn more for ourselves. But imagine, if …
 
You likely know by now that your hosts met as public safety bloggers many, many moons ago. What you may not know is why they started and what made them stop.​ In this episode, the guys fire up the microphones after listening to part of one of the first Crossover Shows and became nostalgic for everything that was the "new internet." For example, rem…
 
You might think this is a show about the end of your career, but we've got advice for you new people. ​ As a family financial expert, Jason has lived the advice we're giving this week. And Justin has followed many of the same principles and found himself in a financial situation he never thought he'd be in.​ This subject is definitely one we’re pas…
 
Unless you're living with your fingers pressed tightly into your ears and screaming at the top of your lungs with your eyes closed, you're aware of the trial of former Police Officer Derek Chauvin for the death of George Floyd. Your hosts, with a combined 50 years experience in law enforcement, fire protection and EMS, came together as soon as it w…
 
You know how when you're feeling down and you've experienced a not so great life moment it's irritating to constantly be asked, "You okay?" We get it. Recently, Justin's eldest had some medical issues (Ask WYE 57) and he's been inundated with queries about how he's handling things. Methinks he's reached his limit. In this episode we talk about some…
 
Being married in the Three Disciplines (that's Police/Fire/EMS for the uninitiated) comes with some unique challenges. Holidays? Aw...aren't you cute. Baby's first steps? Hope you got that on tape. Marriage is hard enough as it is. Throw in the tumult and unpredictable nature of working in the Disciplines raises the bar. In steps this week's guest,…
 
Whenever a new social media platform launches there is always the elusive invitation. Certain people are given a certain number of codes to share with their friends to build the platform and create buzz. Some knucklehead gave one to us so of course we went straight in with no plan other than to hear what all the fuss was about. Listen in as we cras…
 
We know what you're thinking. Yoga immediately brings to mind one of two images: Either images of impossibly skinny girls in their 20s stretching on a beach or Gary from weekend graves barely fitting into his sweatpants. You do you. This week on the show the guys welcome Yoga for First Responders CEO Olivia Mead to discuss not only the benefits of …
 
Those of you old enough to recall the mid-80's and our man, Wilford Brimley, know he was an advocate for fighting diabetes. Welp, Wilford, that fight just came home to roost at HMHQ. In this week's episode, Justin gets you up to date with what's been happening with his family. For some great resource and to learn more about diabetes, visit the show…
 
Oof. That's a rough subject line, right? Lord knows we as a species aren't big on considering our own mortality, but for those of us working in the world of First Responders, we really should be required to do just that. This week we tackle a confusing topic: legal documents. Wendy K Reynolds is an expert in Estate Planning and, as we learn from th…
 
Faith and Finances. Two topics people love to talk about, right? Hello? Is this thing on? Not to worry, friends. In this episode, you can simply listen and not be required to tell us your life story surrounding these taboo topics because MC has a great discussion with fellow financial coach, Johnny McWilliams, about these very things. In his new bo…
 
Burnout in the disciplines is real. We all know it. Trouble is, most of the resources made available to first responders are tips on avoiding future stress (good luck with that), avoiding alcohol (C'mon, man), and maybe go and get you some therapy Justin has been going through anxiety and burnout for almost two full years (possibly longer) and thou…
 
In true WYE-fashion, we turn the tables on the week's Ask WYE. While recording a future episode with our guest, we started talking about our past experiences with DUI. No, not committing them. Arresting them and then prosecuting them. MC took the chance to take the show down a rabbit hole and got our guest, Wendy Reynolds, to give her perspective a…
 
During these challenging times (Aren't you sick of getting those emails?), Battalion Chief Tom Bouthillet saw an opportunity to improve EMT and Paramedic education and decided not to just watch it go by. The result was an entirely online education program that offered 30 hours of Continuing Credit Units for providers stuck at home due to Covid rest…
 
Listener Teri fired a question to Justin at Justin@WYERadio.com asking about benefits for first responder families after a line of duty death. While your hosts think this is a no brainer, there are apparently municipalities that do not automatically offer benefits for the surviving families of first responders killed in the line of duty. A quick se…
 
This week the guys welcome back Garrett TeSlaa, host of the Squadroom Podcast to discuss 6 key points to consider when looking to lead in the disciplines. It doesn't take a high score on the Lt's test or any brass on your collar, it takes the right attitude and application of the right tools. In this episode we discuss: Staying relevant and finding…
 
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