Do you play fantasy football?

In that same vein, George and I put together a fantasy draft of the worst money habits, to create a team of "bad" money habits. Do you agree with our draft choices? Would you have drafted or waived any of these?

Our draft consists of:

• Round 1 — Franchise QB: the habit that drives the whole offense

• • Lifestyle Inflation
  • Keeping Up with the Joneses / Social Comparison Spending
  • No Financial Goals ("Playing Without a Playbook")
• Round 2 — Starting Running Back: reliable short-term yardage, fumbles late
  • Buy Now, Pay Later (BNPL)
  • Payday Loans / Cash Advance Apps
  • 0% Intro-APR Credit Cards Not Paid Off in Time
  • Auto Loan/Lease Rolled with Negative Equity
• Round 3 — Wide Receiver: flashy, exciting, runs routes the game plan never called

• • Emotional/Impulse Spending
  • Sports Betting / Gambling Apps
  • Retail Therapy

• Round 4 — Offensive Line: the protection, or lack of it

• • No Emergency Fund
  • Underinsurance (life, disability, health)
  • No Estate Plan / No Will
• Round 5 — Special Teams (Kicker): small margins, misses that cost close games

• • Subscription Creep
  • Bank & Overdraft Fees
  • Auto-Renewing Insurance Without Shopping Rates
• Round 6 — Head Coach: the game plan, or the absence of one

• • No Budget at All
  • A Budget That's Never Reviewed
  • No Accountability

Who are you drafting?

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To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach

To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com.