The (Not Boring) Boring Small Business Bookkeeping and Accounting Podcast
If you’re a small business owner or bookkeeper trying to make sense of bookkeeping, business finances, QuickBooks, cash flow, and tax-ready systems without drowning in accounting jargon, this podcast is for you.
Welcome to The Not Boring, Boring Bookkeeping and Small Business Podcast, where bookkeeping meets real business life. Beyond spreadsheets and expense tracking, our favorite Bookkeeping Mensch, Paul Rosenblum, explores the human side of small business finances and the relationships between bookkeepers, clients, accountants, and financial professionals that keep businesses running smoothly.
Paul is a New York-based bookkeeper with over 25 years of experience and decades teaching QuickBooks. In this podcast he shares practical bookkeeping tips, small business finance insights, tax deduction guidance, and real-world lessons from working with business owners every day. Whether you’re managing your own books, learning QuickBooks Online, or trying to build better financial systems for your business, you’ll find approachable, experience-based advice without the boring lecture style.
🎧 Listen to episodes like:
-Bookkeepers Are More Than Bean Counters
-How Communication Impacts Your Bookkeeping
-Plus hands-on tools like QuickBooks basics, startup expenses, and chart of accounts.
The (Not Boring) Boring Small Business Bookkeeping and Accounting Podcast
What Debts Are Forgiven When Someone Dies? S9E11
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Nobody likes thinking about death, but getting your finances in order now can make things much easier for the people you leave behind. To help with this, our favorite Bookkeeping Mensch, Paul Rosenblum, is here to explain the basics. He covers which debts are typically forgiven when someone dies, when an estate is responsible for paying what's owed, why family members usually aren't liable for debts they didn't co-sign, and how naming a beneficiary on a bank account can help avoid probate. It's a practical look at an uncomfortable topic that's worth planning for.
About the host
Paul Rosenblum has been doing hands-on bookkeeping for over 30 years, starting with QuickBooks Desktop and adapting to the world of cloud-based QuickBooks Online. He shares practical, in-the-weeds lessons from real client files every episode.
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📨 Email: Bookkeepermensch@gmail.com
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💸 Website: https://bookkeepermensch.com
🎧 Producer Steph: https://linktr.ee/stephfuccio
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🔉 Sound effects: https://freesound.org/people/metalfortress/sounds/611788/
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Season 9 Episode 11, What Debts Are Forgiven When Someone Dies?
For today’s ‘short’ episode, let’s talk about debts forgiven when someone dies. Since this will be short, I’ll expand on this in the Substack newsletter -- so subscribe for free! Use the link in the show notes. Leave me fan mail or an email and let me know what you think about these short episodes. Looking forward to hearing from you!
When a person dies ---
- Credit Card debt, if not a joint account, is generally forgiven and written off (but check your individual state)
- Personal loans without a co-signer are also written off
- Medical debt if there isn’t an estate
- If there is an estate, then the debt should be settled through that.
- Federal college loans would be forgiven
- If the person who dies owns a house, for one example, then the estate is responsible for paying the mortgage or the estate can sell the house and the proceeds of the sale go into the estate and taxes are paid on the capital gain.
- If a bill collector calls, and they want a family member to pay unpaid debt, if that debt is not co-signed by you or someone else, it should be written off. In other words, they can’t sue you to pay someone else’s debt.
- If you are a beneficiary on a bank account before a person passes away, then the funds will be transferred to your account after you present the bank with a death certificate. Being a beneficiary avoids probate.
In other words, get your financial life in order. You never know what life (or death) gives us! I know it’s a morbid subject, but just something to think about in our travels through the razor blade of life. (an old Tom Lehrer line -- look it up)
Now, back to your regular ‘alive’ schedules.
I’m (at least for today) a living -- Paul Rosenblum
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