HopeFilled Financial Podcast: Recent Episodes
Jay Disberger
Jay Disberger from HopeFilled Financial Coaching covers a wide range of money-related topics to help you achieve your financial goals and improve your relationship with money. Each episode contains a story, budgeting tip, and a main topic. Jay's relatable stories and heart of a teacher will make it simple to understand your next step in your financial journey. Reach out at www.hopefilledfinancial.com to submit your questions, sign up for a free consultation, or begin your HopeFilled Financial journey.
We hoped to have many episodes created already in 2025, but life had other plans! Jay explains the exciting news that has slowed our progress on the podcast. Please stay tuned for more HopeFilled Financial Podcasts, but please be patient as we navigate this new season of life.
See you next year?!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. Subscribe if you don't want to miss our return! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you carry a redundant card in your wallet? Why? And how might you change your direct deposit to help you manage money more frugally?
00:00 – Intro
00:36 – Why We Carry a Debit Card We Don't Use
05:57 – How to Hack Your Direct Deposit and Cash Flow
In the story today, Jay explains why he and his wife carry an extra debit card in their wallet that they never use. Have you ever been in a position where you couldn't access your money? What did you do about it? Let us know in the comments.
The main topic is inspired by a conversation with Chris White from Wichita, KS - a financial advisor who utilizes Currents to improve client savings rates. Chris inspired Jay to share the unique strategy that flips direct deposit convention on its head. This process is a simple on that you can implement to better your financial life on you own in 2025. Would restructuring your direct deposit help you with your money habits and savings rate?
If you would like to meet Chris to discuss the process or Currents, here is his booking link: https://outlook.office.com/bookwithme/user/d498e83b34d846fdb2c8ea85ad48f1a8@sfcinc.net?anonymous&ep=pcard&isanonymous=true
As we close out the year, we will also be taking a break from weekly HopeFilled Financial Podcast episodes. Our goal will be to program an amazing 2025 season for you and to get ahead on our recording. We will be back! Please follow us on Facebook and X to make sure you don't miss when we come back.
https://www.facebook.com/hopefilledfinancial.com
https://x.com/HopeFilledCoach
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What does the goal of your financial journey look like?? What would you do if you didn't need to work for money?
00:00 – Intro
00:39 – Alton Brown Cuddled Me On Stage!?
09:05 – HopeFilled FootStep #8 - Live and Give the Dream
In today's story Jay explains how he ended up being cuddled by Alton Brown on stage! What does this have to do with finance?? We promise there is a connection. Listen to find out. Also, share your favorite Good Eats episodes in thr comments.
The main topic describes HopeFilled Financial FootStep #8 - Live and Give the Dream! Jay wants you to have a vision for yourself at this step before you even start your HopeFilled Financial FootSteps. What is your goal, your dream, your passion, what you would do if money were no obstacle? How would you live and give? Share your goals in the comments to inspire other listeners. And Merry Christmas!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you know what effects the Secure Act 2.0 will have on your financial planning? Find out in today's episode.
00:00 – Intro
00:53 – The Most FRUSTRATING Financial Move I've Made
08:30 – Changes from the Secure Act 2.0
10:15 – 1) Educational Investments
14:32 – 2) Retirement Contributions
18:06 – 3) Retirement Matching
20:40 – 4) Retirement Distributions
24:56 – 5) Other Miscellaneous Changes
27:55 – 6) Seldom Mentioned Changes
Today's story describes one of the most painfully frustrating financial moves we have ever made. And it ALL could have been avoided if we had known about the changes to the Secure Act 2.0! What was the most frustrating financial move that you have made?
The main topic goes over 6 broad categories of changes that the Secure Act 2.0 has caused in the financial world. These changes could be VERY important for your financial journey. Let us know what you think in the comments!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
How do you teach your kids to give?
00:00 – Intro
00:29 – Housekeeping Items
00:47 – Three Things to Do With Money
01:24 – How My Parents Taught Me to Give
02:43 – How I'm Teaching My Kids to Give
04:29 – The "Talk" About Santa (Spoiler Alert!)
07:14 – A Few More Announcements
Today's short episode covers how to inspire your children to give. Jay describes how he was taught as a kid and how he will teach his kids. He also dives into the spirit of giving as Santa, and you may not want your kids to hear this episode just yet. Please share the ways that you teach kids to give. We love seeing your comments!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What kinds of things should you buy used?
00:00 – Intro
00:36 – How I Furnished My House for $1000
07:43 – 10 Things You Should Buy Used
Today's story describes how Jay planned well in order to buy living room furniture and a standing desk all in one trip for only $1000! What are some of your money saving tips?
The main topic is an article review from lifehacker.com titled "10 Things You Should Almost Always Buy Used." https://lifehacker.com/10-things-you-should-almost-always-buy-used-1850627371. What other items would you add to the list?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Have you been curious to try buying an iPhone from Amazon Renewed? Jay's 4 purchases bring insight that will help you make a frugal choice.
00:00 – Intro
00:40 – Topic First: Price Comparing iPhones
09:38 – Main Story: How and Why I Bought 4 iPhones from Amazon Renewed
Today's main topic is a price comparison study between various ways to buy an iPhone to make the most frugal purchase. The study uses price per year and takes into account planned obsolescence.
We have a main story today instead which gives you all the details from Jay's 4 purchases of iPhones from Amazon Renewed. You will learn some very helpful tips if you ever want to buy a renewed phone from Amazon. Let us know what your experiences have been with Amazon Renewed in the comments.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
How does speeding hurt your budget?
00:00 – Intro
00:33 – How I Discovered the 5mph Fuel-Saving Secret
03:51 – My 5mph Fuel-Saving Secret
Today's Story shares how doing my brother a favor and his little mishap led to my discovery of a fuel economy hack.
In the Main Topic today, Jay explains how you can save up to 10% on your fuel economy by just driving 5mph slower. Catch some other money-saving driving tips, too!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Grocery stores used to actually care if you could afford what you were putting in your cart!
00:00 – Intro
00:31 – Why Grocery Clickers Fell Out of Fashion
08:11 – Testing the Grocery Clicker in the Store
Today's Story shares a bit of 1950s history that you may not know about - the grocery store clicker. Add-O-Matic, Handy Counter, and other brands were common-place calculators that people brought to the grocery store to keep track of their spending. Why do you think people stopped using them?
In the Main Topic today, Jay and Amanda go to the grocery store to test out the grocery clicker and see if they could predict what the total of their grocery list would be - like the Price is Right! Do you think the grocery clicker would help you spend less at the grocery store?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
It has been one year since I called Dave Ramsey and the financial community blew up over his 8% safe withdrawal rate. This is the FULL timeline leading up to the call and all the events that occurred after - Including George's reactions calling me malicious and some Ramsey videos that just make me... emotional.
00:00 - Intro
00:49 - February 2020 - Financial Coach Master Training
01:28 - June 2020 - My Retirement Study Proved Dave Wrong
02:03 - January 2023 - Started the Podcast
02:44 - September 2023 - Released Retirement Study Episode 36: https://www.youtube.com/watch?v=NDYPoIBeX0A & Episode 37 Calling Out Dave Ramsey: https://youtu.be/qreKWpoRxCc
04:38 - October 2023 - George Kamel's 4% FIRE Video: https://youtu.be/qreKWpoRxCc & https://web.archive.org/web/20230604002700/https://www.ramseysolutions.com/retirement/post-retirement-plan
09:01 - November - 2023 - I Called the Ramsey Show: https://www.youtube.com/live/Xg4Z8EQY3Ao?si=eCI_NybmHlLM65RC&t=4429 & X Blows Up: https://x.com/mbontrager5/status/1722478848573329702 & I React to The Call: https://youtu.be/F4X1l2HfA2c & Money Happy Hour Ep 40: https://www.buzzsprout.com/2176290/episodes/13975230-episode-40-dave-ramsey-s-8-safe-withdrawal-rate-isn-t-safe & Power of Zero Interview: https://www.youtube.com/watch?v=cjYiM-asUc8 & Financial Quarterback Interview: https://www.youtube.com/watch?v=BDEmFYrKfGw & Full Context for The Call Ep 48: https://youtu.be/BugfOEGzG0Y
15:09 - Late November 2023 - Broken RIQ Tool Ep 49: https://youtu.be/qESfErXkRJU
16:23 - December 2023 - Lane Sebring Interview: https://www.youtube.com/watch?v=KpHtaVHDi84 & Ep 53 - Dave Doubles Down: https://www.youtube.com/watch?v=4JTg5L_0Q0g&feature=youtu.be
17:43 - January 2024 - Dave Gives Me Hope: https://www.youtube.com/live/XnnsgvrwpI0?si=kufsAHy8B0YUsQlO&t=1253 & Ep 56 - Risk Zone: https://youtu.be/D4atC06a7zo & https://www.youtube.com/shorts/zh882yLz-Bg
19:16 - February 2024 - Decade Investor Interview Ep 61: https://youtu.be/tZV-zE82eKU & https://www.youtube.com/watch?v=qx4swQLonl4&t=10s
19:52 - April 2024 - Interview with Elevate Your Business - https://www.youtube.com/watch?v=0KKDIwyKuMo & Dave on Fox News: https://youtu.be/sHgrjppC2-0?si=SQAVPSVHxD9rZxWQ&t=13
20:24 - June 2024 - Portfolio Waterfall Ep 80: https://youtu.be/oUZutkSxNxY
21:41 - September 2024 - Josh Curtis Interview Ep 87: https://youtu.be/3Ql35LuHAp8 & George vs Caleb Ep 89: https://youtu.be/rmBG0uAelgQ & https://www.youtube.com/watch?v=g9muQTDJv4w
29:19 - October 2024 - Updated Ramsey Retirement Article: https://www.ramseysolutions.com/retirement/can-you-retire-on-1-million?utm_medium=email&utm_source=newsletter&utm_term=investing_tax_bu&utm_campaign=investing-newsletter&utm_content=trusted-61359_rt-inv-ri-newsletter-10.15-retirement-million-how-to
Call #1: “The Ramsey Show 9/14/2023” https://www.youtube.com/live/goI6GZggksw?si=9U7AzwabILizXk0k&t=2735
Call #2: “Is $1,000,000 Still Enough To Retire?” https://youtu.be/BUl_dAPUBhM?si=cUBSybokG5qpXw2z&t=118
The Article Dave took Down: "3 Ways to Make Your Post-Retirement Plan Last" - Dave Ramsey https://web.archive.org/web/20230604002700/https://www.ramseysolutions.com/retirement/post-retirement-plan
George's FIRE Video: "Why Retiring At Age 35 Is A Bad Idea" https://youtu.be/ZUzaSPPejEo?si=KiiXvwed-7Ll6Wf8&t=285
The Original Call on Dave Ramsey Live "You Can’t Win With Money if You Don’t Know Where Your Money Is | November 2, 2023": https://www.youtube.com/live/Xg4Z8EQY3Ao?si=eCI_NybmHlLM65RC&t=4429
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Does the cost of hosting Thanksgiving intimidate you? Here are some helpful tips to host Thanksgiving without breaking the bank.
00:00 – Intro
00:33 – Our Dishwasher Breaks EVERY Year!
03:12 – 10 Ways to Save Money on Thanksgiving
Today's Story laments the struggles of a dishwasher that breaks every Thanksgiving! Do you have similar stories? We would love to hear them!
In the Main Topic today, Jay reviews an article titled, "10 Ways to Save Money on Thanksgiving" from Simply Holistic Wellness: https://www.simplyholisticwc.com/blog/budget-friendly-thanksgiving-ideas The article gives great ideas for saving money on Thanksgiving this year. What else might you have included?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Are you on the same page with your spouse about money?
00:00 – Intro
00:58 – Introducing Danny and Rachel
08:19 – Financial Lives Before Marriage
12:11 – How Marriage Has Changed Us
14:37 – Best Way To Get On The Same Page
16:40 – Three Habits to STAY on the Same Page
20:06 – Getting Rid of the Mortgage
31:05 – Hardest Financial Compromise
33:20 – Difference Between a Money Fight and an Argument
38:02 – Most Valuable Thing Learned From Spouse
40:05 – Advice For Newlywed Selves
Danny and Rachel share with us their money journey as individuals and as a couple. Their story is inspiring and full of hope. If you are looking to get on the same page as your spouse with money, this is a HopeFilled Financial Podcast if you've ever heard one!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Does it matter HOW you pay off your mortgage early as long as you do? Check out the pros and cons of two methods for paying off your mortgage early that might help you choose the one that is right for YOU.
00:00 – Intro 00:52 – William and Patrick's Story
06:47 – Two Ways to Pay Off Your Mortgage Early Today's Story goes through two examples of how you could obtain a mortgage - with and without a credit score. Jay highlights the pros and cons of each and leaves the decision up to YOU as to which is right for YOU.
In the Main Topic today, Jay shares two ways to pay off your mortgage. This topic was inspired by a comment on one of our YouTube videos. Jay gives the math and facts behind the pros and cons of these two alternative ways to pay. Let us know what you think in the comments!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Have you heard about the Approved Card? Or Experian's Smart Money Debit Card? Learn why you should be skeptical.
00:00 – Intro
00:39 – Suze Orman's Approved Card Scam
27:14– Travis Kelce Advertisement for Experian Smart Money Debit Card
Today's Story is a review of the documentary "How Suze Orman SCAMMED the Working Class" https://www.youtube.com/watch?v=GkePKT-Y7IQ. If you don't know anything about Suze Orman's Approved Card, this may shock you!
In the Main Topic today, Jay reacts to Travis Kelce's advertisements with Experian's Smart Money Debit Card. Be skeptical, all you listeners! Find out why in today's episode.
Resources:
https://www.myfico.com/credit-education/whats-in-your-credit-score
https://finance.yahoo.com/news/suze-orman-approved-card-now-201500250.html
https://www.youtube.com/watch?v=I7BO9PkirLk
https://youtu.be/RHb63pZ39FY
https://www.youtube.com/watch?v=l8uweNakihk
https://www.experian.com/money/experian-smart-money/
https://www.experian.com/help/boost-disclosure/
https://www.experian.com/consumer-products/score-boost.html
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Want to know more about mortgages and how to hack the system? Here are my Top 10 Tips!
00:00 – Intro
00:30 – My History with Mortgages
08:31 – My Top Ten Tips For Mortgage Success
09:43 – #1 Mortgage Size
10:22 – #2 Get Rid of it Before Retirement
11:59 – #3 Understand Your Down-Payment
15:54 – #4 Credit Score
17:33 – #5 Avoid ARMs
18:59 – #6 Recoup Closing Costs
19:52 – #7 Keep Equity as Equity
21:03 – #8 Refinance When it Makes Sense
25:51 – #9 Automate Extra Payments
27:04 – #10 Don't Go Backwards
Today's Story is about Jay's experiences with mortgages and what he has learned along the way - including how Dave Ramsey's advice didn't quite work for him. Let us know what your experiences have been with mortgages in the comments.
The Main Topic goes over Jay's Top 10 Tips for Mortgage Success. If you ever plan on having a mortgage you need to know these tips. If you have a tip we should have added, please leave us a comment!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
When Jay saw this video with Caleb Hammer and George Kamel he got REALLY fired up!
00:00 – Intro
00:33 – Background for the Video
01:24 – Agree or Disagree 04:42 – Caleb Hammer's Best Line
07:00 – Purpose Behind the Math
12:10 – Absolute Denial
14:11 – Responding to Denial
16:32 – I'm Talking to You, George
Jay reacts to a recent video from Ramsey Solutions with George Kamel and Caleb Hammer agreeing to disagree about safe withdrawal rates. https://youtu.be/6HVtq2tYTkY?si=U3B_Ulnp4JI88ThB Hear what Jay would have said if he had the opportunity to debate with George Kamel. What would you have said? Let us know in the comments below.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Why make extra payments to pay off your mortgage early? What would you do with financial freedom?
00:00 – Intro
00:36 – My Toddler's Degrees of Freedom
07:12 – HopeFilled Financial FootStep #7 - Pay Off Your Mortgage
In the story today, Jay shares some adorable stories about his toddlers growing independence and our human nature to desire freedom. What would it look like to have freedom with your finances? What are your stories of freedom?
The main topic explains HopeFilled Financial FootStep #7 - Pay Off Your Mortgage. Jay explains 3 facets of paying off your mortgage and the arguments made on both sides of the issue. Do you plan to pay off your mortgage early? If so, why?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What is the Portfolio Waterfall? Can this method get you more in retirement?
00:00 – Intro
00:35 – Why We Connected
01:47 – Interview Overview
02:10 – For All the Skeptics
04:35 – Focus of Retirement
08:00 – What Inspired the Portfolio Waterfall
13:09 – The Most Important Defining Factor of The Portfolio Waterfall 1
5:13 – Biggest Hurdle
17:13 – Technical Questions
17:32 – Technical Questions: Expense Ratio
21:01 – Technical Questions: Dividends
26:44 – Technical Questions: Fund Selection
30:04 – Personal Questions
Today we interview Josh Curtis - creator of the Portfolio Waterfall retirement distribution method. His insights to this method and the background for how it all happened may surprise you. Josh Curtis's personal integrity and professionalism are truly refreshing. You can learn more on his website: https://portfoliowaterfall.com/
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What home improvement projects will bring you the most equity for your home? What are buyers in 2024 looking for in their home purchases?
00:00 – Intro
00:29 – My HVAC Story
02:54 – Top 25 ROI-Boosting Home Improvements
In the story today, Jay shares how his HVAC unit needed to be replaced and what he did to maximize efficiency and frugality. Check out our previous video about maximizing efficiency with your utility bills: https://youtu.be/Es2zJ2Al8Bs
The main topic reviews an article from HomeLight.com titled, "What Upgrades Increase Home Value? 25 High-ROI Improvements Buyers Love" - https://www.homelight.com/blog/what-upgrades-increase-home-value/ Jay shares his thoughts on these home improvement projects and gives extra tips to boost your return on investment. What other tips do you have? Let us know in the comments!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Can you graduate college debt-free? Here are my top 10 tips for doing just that!
00:00 – Intro
00:44 – My College Success Story
07:04 – Top Ten Tips to Graduate Debt-Free
In the story today, Jay shares what he did to make it through 6 years of university without any student loans - and no, his parents didn't pay for it!
The main topic is Jay’s top 10 tips to graduate debt-free. Be sure to listen to all of them. The last one might be the most important! ;) Let us know in the comments what other tips you would have included.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
You want to do everything you can to give your child(ren) the best start in life – so how do you protect and support their financial future? What are the top 10 things you can do?
00:00 – Intro
00:22 – Protecting My Sons
03:47 – Top Ten Tips For Protecting Your Child’s Financial Future
In the story today, Jay shares how he feels trying to be the best dad he can and how heartbroken he gets when a child is hurt or suffering. What would you do for your child to protect them?
The main topic is Jay’s top 10 tips for protecting your child’s financial future. What other ways can you secure the future of your child’s finances?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
-How can you set up your child for financial success? What nuances do you need to know about ESAs and 529s?
00:00 - Intro
00:39 - My Lego Robotics Kit
09:24 - HopeFilled Financial FootStep #6 - 401Kid
In today's story Jay shares how he earned his Lego Robotics Kit when he was a kid and how he saved it to build with his children. The lessons he learned about money are ones he'd like to pass on. He also shares from an NPR: https://www.npr.org/2021/07/27/1021262899/finance-money-tips-kids-families-conversations
The main topic is HopeFilled Financial FootStep #6 - 401Kid. Should you do an ESA, UTMA, 529, or something else? What are the implications of each? Find out more in these articles:
-https://fairmark.com/kids-and-college/utma/what-expenditures-are-proper/
-https://www.thrivent.com/insights/retirement-planning/the-secure-act-2-0-allows-a-529-plan-rollover-to-a-roth-ira
-https://www.savingforcollege.com/intro-to-529s/which-is-the-best-529-plan-available
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you need a financial advisor? What value do they provide? At what cost?
00:00 - Intro
00:44 - Do I Go to the Mechanic?
05:13 - How Much Do Financial Advisors Cost?
In today's story Jay shares why sometimes it is a good idea to take your car to the mechanic instead of trying to do it yourself. This relates to the main topic about hiring a financial advisor.
The main topic is about advisor fees and when you should hire a financial advisor and when you shouldn't'. Jay reacts to a clip from The Money Guy's video: https://www.youtube.com/watch?v=f0NhPnQ2xW0, Jazz Wealth: https://www.youtube.com/watch?v=shZIXjO2NBQ, and MarketWatch: https://www.marketwatch.com/picks/are-you-still-paying-1-to-your-financial-adviser-heres-what-might-make-a-lot-more-sense-and-save-you-tens-of-thousands-of-dollars-01659470645
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
How can you lower your high utility bills?
00:00 - Intro
00:39 - Utility Bill Shock!
05:29 - My Top 3 Utility Savings Tips
In today's story Jay recalls what it was like moving from a condo to a house and the sticker shock that came from the utility bills!
The main topic is Jay's Top 3 Utility Savings Tips to keep your bills low and your savings up! Let us know in the comments if you have any other good utility savings tips!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What is the Portfolio Waterfall? With it, can you really get a SAFE 6% withdrawal rate in retirement? Is the 4% rule dead in light of this new, revolutionary, strategy?
00:00 - Intro
00:39 - Brainstorming with Bears, Honey, and Helicopters
06:12 - Portfolio Waterfall Explained
13:21 - Results of My Portfolio Waterfall Study - (20 years)
15:07 - What's the Tradeoff??
17:17 - 30 Year Results
18:15 - 40 Year Results
18:55 - 50 Year Results
19:27 - Characterizing the Portfolio Waterfall
20:15 - 60 Year Results
21:03 - Ending Nest Egg Value Tradeoff Abated!
21:37 - My Thoughts on These Results
22:13 - Assumptions for My Proof of Concept Model
23:01 - Historical Data
27:40 - Simulated Data
35:41 - Portfolio Waterfall Website - https://portfoliowaterfall.com/
36:27 - Closing Thoughts
Today's episode covers a very new and revolutionary topic that applies some NEW ideas. For this reason, in today's story, Jay shares a how some seemingly silly brainstorming resulted in a real solution to power outages in Alaska. This story involves bears, honey, and helicopters. The lesson here in is how real solutions and progress can benefit from open-minded efforts to think critically even when an idea seems pretty out there.
The main topic explains a revolutionary new retirement distribution strategy - the Portfolio Waterfall! This is the brain child of the financial adviser, Josh Curtis. These results are ASTOUNDING! Can this strategy actually DOUBLE your income in retirement? Is the 4% rule history? Be sure to listen all the way through to fully understand the assumptions of this model. The simulated results required a new method of modeling fully unique to our work here at HopeFilled Financial Coaching. We welcome your comments and questions on this topic. We are sincerely excited to share this exciting strategy with you.
For more background on this strategy check out these videos:
- Mutual Funds Uncovered: https://youtu.be/TJGnWQMMtAA
- New Retirement Study: https://youtu.be/I8TFUMUnG3E
- How to Never Run Out of Money: https://youtu.be/NDYPoIBeX0A
- Kicking the Bucket Retirement Strategy: https://youtu.be/JDfOsfrIhFs
- Viral 8% Dave Ramsey Call Episode: https://www.youtube.com/watch?v=BugfOEGzG0Y
Note: I mentioned in this episode that the latest study I completed for comparison is from January. This study and the above episode on it were published in March of this year even though the work on the model started in January.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you REALLY need to understand how a mutual fund works? The implications may be huge!
00:00 - Intro
00:40 - My Internship Turned Industrial and Saved the Company $500,000!
07:48 - Why Understanding Mutual Funds is So important
In today's story Jay recalls his first internship and how he solved a systems and processes problem that saved the company half a million dollars on their bottom line!
The main topic explains how mutual funds and ETFs work. These intricacies may seem trivial, but they can make all the difference when it comes to your financial future!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Episodes 79 and 80 are going to be very important episodes that might very well change how many of you plan for retirement and may cause quite a stir! BUT these episodes will be delayed to make sure we get you the best information possible for these exciting episodes.
Keep your eyes peeled for Episode 79 in a few weeks! We are so excited to share with you what we have found. Subscribe so you don't miss when the episode publishes.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
How can you secure your financial future now?
00:00 - Intro
00:39 - There's a LOT Going On Right Now
09:24 - HopeFilled FootStep #5 - Saving For Retirement
In today's story Jay shares some of the projects he has going on right now - namely his local finance workshops. Find more information and sigh up here: https://campscui.active.com/orgs/ParkHillCommunityEducation?&e4q=6367f21f-72a6-4a96-b11e-e80487ad12e3&e4p=668978d9-9d9e-4269-a9f0-f3935793ba4b&e4ts=1719178233&e4c=active&e4e=snlvcmpscui00001load&e4rt=Safetynet&e4h=83351ebb484d443ff9f0e87d5e001d95#/selectSessions/3477839
The main topic outlines HopeFilled Financial FootStep #5 - Saving for Retirement. What do you need to be thinking about as you save for retirement? What are your retirement goals?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What is a Zombie Mortgage? Is your home safe??
00:00 - Intro
00:43 - Bank Error that Cost Over $1,000!
08:25 - Zombie Mortgages Explained
In today's story Jay shares how an error that the bank made cost his HOA over $1000 for more than two weeks! This goes to show that anyone or any system can make mistakes. Have you had anything like this happen to you?
The main topic explains what Zombie Mortgages are and how you can protect your home. Do you know anyone who is facing this?
Articles Mentioned:
Zombie 2nd mortgages are coming to life, threatening thousands of Americans' homes: https://www.npr.org/2024/05/10/1197959049/zombie-second-mortgages-homeowners-foreclosure
What is Title Insurance? Why You Need It and How to Buy It: https://www.investopedia.com/terms/t/title_insurance.asp
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you want to retire early? What are the Top 5 things you should know before 59.5?
00:00 - Intro
00:44 - Reacting to "Retiring Early on $870K" from CNBC
20:09 - Top 5 Tips for Retiring Before 59.5
20:26 - #1 Withdrawal ROTH Contributions
22:08 - #2 The Rule o 55
26:17 - #3 Build a Bridge Account
29:16 - #4 Pay Off Your Home & Understand Your Budget
30:38 - #5 Map Out the Phases of Retirement
In today's story Jay reacts to a CNBC Millennial Money clip called "Retiring Early on $870K in Arizona" https://www.youtube.com/watch?v=S3krNI31pYA. Do you think you could make the changes to retire early like this?
The main topic explains Jay's top 5 tips for retiring before the age 59.5. Let me know if you have other tips for retiring early!
Here are the mentioned resources:
Rule of 55 Article: https://www.investopedia.com/rule-of-55-5324286
Bucket Strategy Episode: https://youtu.be/JDfOsfrIhFs
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Is volatility good or bad for you when you are investing??
00:00 - Intro
00:36 - Bowling Into Retirement
05:38 - Accumulation and Volatility Study
In today's story Jay shares how his experience with bowling technology and techniques can be likened to investment strategies. Did you know any of these facts about bowling? Do they help you visualize a healthy investment strategy?
The main topic dives into a study on volatility during the accumulation phase of your life - your working years while you are saving for retirement. We know that volatility makes retirement itself difficult through sequence of returns risk. Is the same true for your accumulation phase? Does volatility help or harm you while you save and invest for retirement? Jay shares his findings and what they might mean for understanding investment strategies. In the end, he explains how these results will impact his personal choices in investing.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Jay explains a temporary delay in our regular podcast scheduling due to unforeseen family circumstances. Episode 75 will publish next week.
Jay also gives a teaser for Episode 75, 76, and 79.
We also want your feedback on a membership model for our podcast where you would get access to all the spreadsheets and resources from the show. Let us know what you think in the comments!
See you next week!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What is the Two Bucket Strategy? Does it protect your investments in retirement? Or does it not hold any water?
00:00 - Intro
00:40 - My Disagreement With The Money Guy
01:15 - My First Encounter with the Bucket Strategy - Financial Coach Master Training
11:40 - The Results of My Study on the Two Bucket Strategy
In today's story, Jay describes how he first came across the Two Bucket Strategy by listening to The Money Guy and by taking Dave Ramsey's Financial Coach Master Training. Some listeners asked what the training was like, so Jay dives deep into his reflection upon completing the Master Training.
In the main topic, Jay shares the results from his study on the Two Bucket Strategy. These results are interesting and may save you some tedium in your retirement planning and execution. Let us know what you think in the comments. Will you be implementing the Two Bucket Strategy after seeing these results? Why or why not?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
How much should you have in your emergency fund? And where should you keep the money?
00:00 - Intro
00:31 - My Summer Internship Emergency Story
14:31 - Your Emergency Fund for HopeFilled Financial FootStep #4
In today's story, Jay tells the wild story of how a summer internship took some very unfortunate turns. Despite all the bad luck, Jay could remain in good spirits because his emergency fund was there to catch him.
In the main topic, Jay describes HopeFilled Financial FootStep #4, saving up 3-6 months of expenses in your emergency fund. What are the nuances to building an emergency fund? Why does it matter? Let us know in the comments!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
How safe is the stock market?
00:00 - Intro
00:38 - A Story Beyond Fear Story - Ft. Will Smith
08:35 - How Risky is the Stock Market?
In today's story, Jay recalls how a Will Smith video that he had shared on Facebook in 2017 changed the trajectory of his life forever. If you haven't seen it, this is the clip where Will Smith talks about his skydiving adventure and the fear that proceeded the jump. Find out how just sharing this clip had a huge butterfly effect. Have you ever had a butterfly effect life changing moment? Let us know in the comments!
In the main topic, Jay answers the question, "How risky is the stock market?" Investing is an act with the goal of attaining gain over time. The market is volatile, and leaves many scared by the unknowns of the future. Over time, how does an investor's certainty of gain improve (historically speaking)? Can time really help us more realistically project a healthy gain for our investments? Does the S&P500 actually yield an average of 11% per year? Can you get 12% like Dave Ramsey claims you can on the Dave Ramsey Show? What is the difference between a simple average and an annualized average? How are these different from a geometric average? Why does this matter to you?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What are the top 3 things that Dave Ramsey gets right?
00:00 - Intro
00:33 - Foundations of Personal Finance Review
16:51 - Top 3 Things Dave Ramsey Gets Right
17:16 - #1 Staying Out of Consumer Debt
19:48 - #2 Behavior Over Math
21:54 - #3 Zero-Based Budgeting
In today's story, Jay shares what he learned in high school from Dave Ramsey's Foundations of Personal Finance curriculum. He also shares what he wishes he would have learned and some misconceptions he took away as a result. If you are interested in a personal finance curriculum for your teen, this is the episode for you!
In the main topic, Jay lists the top 3 things that Dave Ramsey gets right. He has given Dave a little flack with the 8% safe withdrawal rate thing lately, but he really does appreciate the work that Dave does. Jay truly doesn't want you to throw away the Baby Steps' good with the dirty 8% bath water. Find out what Jay thinks are the greatest things about Dave Ramsey in this episode.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What does Monopoly have to do with Mutual Funds?
00:00 - Intro
00:39 - Monopoly Strategies Explained
11:20 - Turnover Ratio and Capital Gains Explained
In today's story, Jay shares his Monopoly strategies. He compares a property turnover strategy with a buy and hold strategy. Let us know what your best strategies are in the comments!
In the main topic, Jay explains why turnover ratios matter to YOU! Capital gains can cost you in taxes, and it is fundamental to understand before Jay introduces one of our next exciting topics!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What do you need to know to get out of debt?
00:00 - Intro
00:42 - Rob Berger's Debt Story Reaction
15:05 - Two Cents Debt Advice
In today's story, Jay reacts to Rob Berger's story of getting out of debt. What can you learn from his story?
Ed Jarecki EYB Collaboration: https://youtu.be/0KKDIwyKuMo?si=sP01CwqRFfRisvar
Video Link: Rob Berger: How to FINALLY Get Out of Debt | 7 Steps to Debt Freedom: https://youtu.be/1MDQ32T2_Bg?si=7BUKN2JNl8pWf0jZ
In the main topic, Jay breaks down HopeFilled Financial FootStep #3 - Get Out of Debt. He shares the nuances of different methods of getting out of debt: the avalanche method and the snowball method. He shows examples of each on his debt payment calculator spreadsheet tool. What else do you need to think about when paying off devt? Let us know in the comments!
Video Link: Two Cents: What's The Fastest Way To Pay Off Debt? https://youtu.be/PvEUj_mRfIo?si=A0dhO2VAr5nq-X73
NYT Article: https://archive.nytimes.com/bucks.blogs.nytimes.com/2012/08/20/to-get-out-of-debt-it-may-help-to-think-small/?mcubz=3&_r=0
Dave Ramsey IRS Call: https://www.youtube.com/watch?v=pI4VMV9S28k
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Should you freeze your new child's credit? Learn more about this and the Top 5 financial steps you should take ASAP after having a baby. If you have or are expecting children, today's episode is a must-listen!
00:00 - Intro
00:47 - I Missed My Son's Birth
15:20 - Top 5 Financial Steps After Baby
15:31 - #0 Update Your W-4
17:09 - #1 Call Insurance
18:33 - #2 Attain SSN and Birth Certificate
21:36 - #3 Update Will and Beneficiaries
24:33 - #4 Freeze Your Child's Credit!
33:12 - #5 Open Up An ESA or 529
In today's story, Jay recounts the wild ride that was the birth of his second child. He missed the delivery by mere moments for an unexpected reason. If you like birth stories, this one will have you on the edge of your seat!
For the main topic, Jay shares his TOP 5 financial steps to take within the first two weeks of your child being born. While these may not seem urgent, just wait until you hear about #4! You can have a huge impact on your child's future financial success from the very day they are born! If there was anything we missed in this list, please let us know in the comments!
Reference Links:
Your Social Security Card Is Insecure - CGP Grey: https://www.youtube.com/watch?v=Erp8IAUouus
ngpf Q/A of the Day: https://www.ngpf.org/blog/question-of-the-day/question-of-the-day-what-percent-of-minors-under-18-years-of-age-have-had-their-identity-stolen/
The Truth About Child Identity Theft: https://www.safehome.org/identity-theft-protection/child-identity-theft-protection/
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Can gambling really become investing? Has anyone done it before?
00:00 - Intro
00:42 - How The Selbees Gamed the Lottery
07:49 - The Magical Coin Game
In today's story, Jay shares a story about a couple who gamed the lottery and made MILLIONS! Jay describes how the mathematical certainty of this particular game allowed this couple to use the lottery as an investment. Normally, playing any lottery game purely amounts to a gamble with poor odds. If the house always wins, how is this story possible? Did the house make a mistake?
The main topic covers an example Jay calls "The Magic Coin Game." In this game, you gamble money by placing it on a table. A coin is flipped. If it is heads, you double your money. If it is tails, you lose half of your money. In the game, the house is willing to play with you as many times as you would like. Gambling everything every time does not result in any statistical advantage for you. However, you can play this game 100% by the rules and twist the odds in your favor. There can be mathematical certainty that you gain money if you play in a particular way. This is what makes the coin game magic! In the end, Jay describes how this game can be an analogy for asset allocation theory in the investing world. At the very least, it is a proof of concept in a simplified context. The math on this one might hurt your brain a little bit!
Links:
CBS Article: https://www.cbsnews.com/news/jerry-and-marge-go-large-selbee-lottery-loophole-60-minutes-2022-06-10/#:~:text=All%20told%2C%20the%20Selbees%20grossed,grandchildren%20pay%20for%20their%20educations.&text=Even%20as%20their%20lottery%20winnings,continued%20to%20live%20without%20extravagance.
60 Minutes Full Story: https://www.youtube.com/watch?v=jtv5COcjGhw
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you really need life insurance? What factors impact your life insurance decisions?
00:00 - Intro
00:38 - Introducing Ben Krapu - Financial Advisor for Knights of Columbus
00:59 - Most Important Insurance Policies
02:20 - Is Life Insurance Essential For Everyone?
03:12 - Term vs Permanent Life Insurance
04:13 - Shopping Around - What to Look For?
07:26 - The Claim Process
10:36 - Is to Get Too Much Life Insurance Possible?
16:14 - Personal Life Insurance Philosophies
19:34 - Blanket Advice from the Internet
23:44 - Different Term Life Insurance Strategies
25:40 - Protecting Your Insurability
30:59 - Get Motivated to for Life Insurance
34:06 - Consequences
36:38 - Learn More About Ben and the Knights of Columbus
In Episode 66 of the HopeFilled Financial Podcast, Jay interviews Ben Krapu, a financial advisor with the Knights of Columbus. Together, they discuss the need for life insurance and what you might need to know. Life insurance is a challenging topic to think about, but it can be an essential building block to your financial well-being. There are many types of life insurance products out there, and it is important for you to understand what will serve you best in your exact situation. This interview is a great introduction to the topic. What did you learn from today's episode?
Links:
More About the Knights of Columbus: https://www.kofc.org/en/what-we-do/insurance/index.html
More About Ben: https://info.kofcassetadvisors.org/Meet-Ben-Krapu.html
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
How does inflation affect your retirement withdrawal strategy? Does inflation really matter?? 00:00 - Intro 00:48 - The Comment That Caused My New Study 07:55 - Results of Time-Varied Inflation Study In today's story, Jay shares the inspiration for his new retirement study - YOU! A comment on the "I Called Dave Ramsey..." video (https://youtu.be/F4X1l2HfA2c) sparked a conversation that lead to Jay completing a new retirement simulation study using time-varied inflation. Your comments can truly impact this podcast! The main topic is the results of Jay's new Time-Varied Inflation study. He reveals the differences and not-so-differences between using a flat rate for inflation vs using historical data for inflation and how your retirement strategy might affect the outcome of your nest egg. Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial). Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Does a child need life insurance? What other insurances DON'T you need?
00:00 - Intro
00:57 - Gerber Life Grow-Up Plan Lawsuit! (Story)
17:46 - Top 10 Redundant Insurance Products (Main Topic)
17:54 - #1 Whole Life For Children
20:33 - #2 Accident
22:57 - #3 Accidental Death and Dismemberment
25:33 - #4 Mortgage Life
28:56 - #5 Hospital Indemnity
31:45 - #6 Cancer
34:20 - #7 Gap
37:03 - #8 Rental Car
38:42 - #9 Windshield Repair
40:25 - #10 Home Warranty
In today's story, Jay explores the lawsuit against Gerber Life for their Grow-Up Plan's allegedly "misleading" advertisements. What is the Gerber Life Grow-Up Plan? Why were the ads allegedly "dishonest"? What was the final verdict on the case? Did Gerber Life win or lose? What does this have to do with YOU? Find out in today's story!
The main topic is a count down of the "Top 10 Redundant Insurance Policies" that Jay does not have. You probably don't need these either... If you are looking to cut costs for your insurance premiums, consider abandoning some of these policies all together. This can be a small help or a game changer for HopeFilled FootStep #2.
As explored in the episode, insurance is intended to defer undue risk that you cannot take on yourself. If the risk is not undue, or you can handle the risk on your own, then is the insurance needed? If the insurance is redundant to another policy, but more limiting, is it needed?
Links covered in today's story:
Classic Gerber Ad: https://www.youtube.com/watch?v=LMF7nMhYwXo
Gerber Life Grow-Up Website: https://www.gerberlife.com/child-life-insurance/grow-up-plan
Dave Ramsey Blows a Gerber Gasket: https://www.youtube.com/watch?v=4c8RH0ZjftM
The Gerber Life College Plan Ad: https://www.youtube.com/watch?v=JC8eD8Af2XU
The Gerber Life College Plan FAQ: https://www.youtube.com/watch?v=LlfCNII8qFU
Business Insider on Gerber Life: https://www.businessinsider.com/gerber-college-savings-plan-2014-6
The Gerber Life College Plan Website: https://www.gerberlife.com/saving-for-college/college-plan
The Ring of Fire Gerber Life Lawsuit Coverage: https://www.youtube.com/watch?v=sAdMC9dhGLk
Westlaw Today Judge's Verdict: https://today.westlaw.com/Document/I344b262d76f411ebbea4f0dc9fb69570/View/FullText.html?transitionType=Default&contextData=(sc.Default)&firstPage=true
Links covered in today's main topic:
Business Insider on Cild Life Insurance 1: https://www.businessinsider.com/personal-finance/life-insurance-for-children?op=1
Business Insider on Cild Life Insurance 2: https://www.businessinsider.com/do-children-need-life-insurance-2014-6
Policygenius on Accident Insurance: https://www.policygenius.com/disability-insurance/what-is-accident-insurance/
Nerdwallet on Accidental Death: https://www.nerdwallet.com/article/insurance/life-insurance-accidental-death
USAA on Mortgage Life Insurance: https://www.usaa.com/inet/wc/advice-insurance-a-guide-to-mortgage-life-insurance?akredirect=true
Forbes Asvisor on Hospital Indemnity Insurance: https://www.forbes.com/advisor/health-insurance/hospital-indemnity-insurance/
HealthInsurance.org on Cancer Insurance: https://www.healthinsurance.org/supplemental-products/cancer-insurance/#:~:text=How%20does%20cancer%20insurance%20work,use%20as%20they%20see%20fit.
Nerdwallet on Gap Insurance: https://www.nerdwallet.com/article/insurance/gap-insurance
Car and Driver on Rental Car Insurance: https://www.caranddriver.com/car-insurance/a32500214/should-i-get-rental-car-insurance/
Forbes Advisor on Windshield Insurance: https://www.forbes.com/advisor/car-insurance/windshield-repair/
US.News on Home Warranties: https://www.usnews.com/360-reviews/services/home-warranty/how-does-home-warranty-work
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Why is Health Insurance so expensive!? Are there any alternatives?
00:00 - Intro
00:23 - My Switch to a Health Care Sharing Ministry
09:44 - What Are Health Care Sharing Ministries? - Investopedia
In today's story, Jay describes what prompted him to switch to a Health Care Sharing Ministry to defer his risk of the #1 reason for bankruptcy - medical bills. Jay's health insurance offered a very high premium for an outrageously astronomical deductible - risk was not deferred properly. This left Jay searching for a solution to protect his new family.
The main topic is a review of the article "What Are Health Care Sharing Ministries? (HCSMs)" by Investopedia (https://www.investopedia.com/what-are-health-care-sharing-ministries-hcsm-5207450). Jay's commentary on the article should help you know what to research if you are considering a Health Care Sharing Ministry to cover your medical risks. One thing excluded from this article, that you should know about, is that an HCSM will not give you access to an HSA. If having an HSA is a big part of your plan, and HCSM may not be for you.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Are you in control of your money, or does your money control you?? Find out how to TAKE CONTROL in this episode about HopeFilled Financial FootStep #2. 00:00 - Intro 00:36 - How Good Strategies Helped Me (Story) 07:04 - Overcoming Failure (ft. Improvement Pill) 12:22 - HopeFilled FootStep #2 - Take Control (Main Topic) Today's story is about how trying to increase finite willpower left Jay binging after a 30 day diet. If our willpower is a finite resource, what can we do to actually succeed? Can we apply a strategy in our schedule or environment that reduces the willpower we need to have to succeed? The Improvement Pill video (www.youtube.com/watch?v=9oqWlUfxmn0) helps us expand our understanding of failure, success, and strategy. HopeFilled Financial FootStep #2 is called "Take Control." In order for you to have success with your money, you need to be telling it what to do, not the other way around. You need a foundation and a strategy that is strong. If you have control of your money, you can reduce your risks of failure. The key steps to taking control are 1) Learn How To Budget 2) Update Insurance 3) Stop Adding Debt 4) Don't Go Alone 5) Begin with the End in Mind and 6) Know Your "Why." If you need motivation to start budgeting, check out this episode: https://www.youtube.com/watch?v=GUu2RRQwjTM&t=0s If you need a deep dive into budgeting, check out this episode: https://www.youtube.com/watch?v=byiocGDfdmk&list=PLo6Zlf1BSGrZGUYSkL8pyhTZHY7xtJbXx&index=2 Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial). Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What is your investment mindset? Do you the Decade Investor is right about having a long-term mindset? How can you shift mindset if you want it to change?
00:00 - Intro
00:44 - Welcome: The Decade Investor
00:52 - How Jay and Kolin Got Connected
02:12 - What is Unique About Kolin's Story
03:52 - How to Make Investing Spicy
06:20 - Next Steps For Kolin's Career
08:04 - What Motivates Kolin
09:58 - Kolin's Investing Philosophy
12:08 - How to Know a Your Financial Foundation is Healthy
15:00 - How to Limit Lifestyle Spending
18:53 - Where did "Decade Investor" Come From
20:02 - Shifting From Short-Term to Long-Term Thinking
22:33 - Getting Into vs Keeping a Long-Term Mindset
26:46 - Top 3 Habits to Better Your Future
In Episode 61 of the HopeFilled Financial Podcast, Jay interviews Kolin, the Decade Investor! Kolin shares his investing philosophy and tips for thinking with long-term mindset. If you want to see more collaboration between HopeFilled and the Decade Investor, let us know what we should discuss next!
Follow the Decade Investor here:
Youtube/Podcast: https://youtube.com/@DecadeInvestor?si=y19xHuZ3RdvU3lA2
X/Twitter: https://x.com/DecadeInvestor?s=20
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Are you or someone you know expecting a baby? Are you overwhelmed by the expected costs? What do you REALLY need for a baby anyway?
00:00 - Intro
01:27 - Top 3 Ways We Frugally Prepared For A Baby
06:42 - What We Did For Baby #1 That We Don't Need For Baby #2
07:31 - An Expense We Paid For Baby #1 That We Don't Want To Pay Again
10:38 - Top 3 FREE Things Parents Can Do To Prepare
15:54 - What I Bought That Went Unused
18:27 - Advice For The Parent Overwhelmed By Future Costs
29:20 - HopeFilled Advice For Parents From The Heart
Jay and Amanda share their stories from having their first child and what they plan to do differently with their second. These tips will leave you laughing, crying, and hopeful. Please share this with all the expecting parents you know, and let us know what you found helpful in the comments.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Have you ever wondered if Whole Life Insurance is right for you? What are the pros and cons? Is there anything wrong with term life insurance?
00:00 - Intro
01:00 - Rob Gills video reaction
05:44 - Joshua's Story video reaction
15:13 - Forbes Advisor Article review
27:44 - Money Guy video reaction
32:41 - Two Cents video reaction
35:17 - Consumer Reports article review
36:43 - White Coat Investor article review
40:30 - What I'm Doing For My Life Insurance
41:47 - Closing Statements
Today's story reviews a sales pitch for whole life insurance followed by a heartbreaking story about how Joshua made a $20,000 mistake with his life insurance. The lessons learned from the contrast speaks volumes.
Today's main topic covers life insurance, whole vs term, and Jay's personal life insurance plan. Life insurance is an essential part of healthy finances, but not every life insurance product is a need. Your situation will dictate what you need. It is important that you can identify what wants you may have for life insurance beyond those needs, and that you firmly clarify them as genuine wants.
To kick things off, Jay reviews a solid Forbes Advisor article to establish the main differences between term and whole life insurance options. Next, we turn to the Money Guy show where they recommended a whole life product. For example purposes, Jay included a "run the numbers" case study from the PBS show Two Cents. Lastly, before sharing his plan, the White Coat Investor has a good bit to say on this topic that will largely make for good continued reading.
These are the links to sources used in this episode:
Rob Gills Video: https://www.youtube.com/watch?v=JFZRwkl9xd0&t=68s
Joshua's Story: https://www.youtube.com/watch?v=Y_V6n3GZFVA
Forbes Advisor Article: https://www.forbes.com/advisor/life-insurance/term-life-vs-whole-life-insurance/
Money Guy Show Clip: https://www.youtube.com/watch?v=ed7IIE9pRW4
Two Cents Example: https://www.youtube.com/watch?v=AgBhy8iXjpI
Consumer Reports Study: https://www.consumerreports.org/cro/news/2015/04/is-whole-life-insurance-right-for-you/index.htm
White Coat Investor Article: https://www.whitecoatinvestor.com/debunking-the-myths-of-whole-life-insurance/
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
You are getting out of debt, but something goes wrong. Dave Ramsey's Baby Step #1 is to save $1000 before paying off debt. Is this enough? The Money Guy FOO #1 is to save up your insurance detectable for starters. Is that too much?
00:00 - Roadmap/Intro
00:35 - My Engine Mount Fallout
07:22 - YOUR Starter Emergency Fund - HopeFilled Footstep #1
Today's story describes how 3 major unplanned financial "emergencies" popped up all at the same time - leading Jay to delay fixing a collapsed engine mount for over a year! Was this safe? Was this wise? Was this frugal?
The main topic walks through HopeFilled Footstep #1: YOUR Starter Emergency Fund. How much do you need in your starter emergency fund? Where should you keep that money? What is the number 1 key to saving up your emergency fund? All these questions and more will be answered to help you take a step in the right direction for your HopeFilled Financial Future.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Which financial plan is right for YOU? Baby Steps? Financial Order of Operations? HopeFilled Financial Footsteps? 7Eleven...
00:00 - Roadmap/Intro
00:52 - 7Eleven's Chilling Story
06:39 - Are Dave Ramsey's Baby Steps TOO Old?
15:00 - The Money Guy FOO Fighting!
23:48 - YOUR HopeFilled Financial Footsteps :)
Today's story highlights 7Eleven's humble beginnings and their accidentally genius business pivot. 7Eleven used to only sell one thing. Without a business plan update, the growing popularity of the refrigerator would have ended the company. In our financial lives, can we use this story to inspire flexibility or pivots in our plans?
Our main topic goes over 3 financial plans that can inspire your personal financial journey. Jay reviews Dave Ramsey's Baby Steps, The Money Guy's Financial Order of Operations, and YOUR HopeFilled Financial Footsteps. Which one is right for you? Can you learn from more than one? Are there other financial plans that you follow? Let us know in the comments!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
This episode is all about controversies. The last one is an 8% answer from Ramsey Solutions that will shock you!
00:00 - Roadmap/Intro
00:57 - Dress to Divide!
07:16 - Right Into the RISK ZONE
20:52 - George Kamel Claims MALICE!
Today's story is a throwback to THE dress of 2015. Was it blue/black or white/gold? This dress broke the internet with division. This isn't the only divisive dress. Jay has remembers another, but he needs your help to track down the source.
The main topic shows how the "Risk Zone" of retirement can help us change our fate. Jay's graphs will help you visualize the retirement risk zone so you can prepare for your HopeFilled financial future. The visual also helps us understand why the 4% rule is tied to such passionate yet divided opinions. How can you tell if your retirement strategy is on track in a volatile world? Jay's risk zone research can help you answer that very question.
The risk zone directly relates to the official answer from Ramsey Solutions over the 8% withdrawal rate controversy. As a bonus section to this episode, Jay reacts to George Kamel's recent appearance on The Iced Coffee Hour. George answers if 8% is a viable withdrawal strategy. He also calls Jay out...
"George Kamel on Dave Ramsey" on The Iced Coffee Hour Clips: https://www.youtube.com/watch?v=uNhwmwoyvLA
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Ogres are like onions... are people like onions, too?
Jay's story today explains how his dad's work with behavior analysis stuck with him as a kid. The lessons he overheard guide many of his beliefs today. This particular lesson can help you better understand yourself, your habits, and your values.
In the Main Topic, Jay reviews his definition of frugality its opposite. Can frugality really solve everything? Frugality can be used as a core value or virtue to inform our financial habits and decisions. These new decisions and habits can change our HopeFilled financial futures forever! Do you like Jay's definition of frugality? Did any of the stories resonate with you? Is frugality a virtue you want to have yourself? Let us know your thoughts in the comments.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Can science teach us how to set better financial goals or New Year's Resolutions?
Veritasium's video "Why New Years Resolutions Fail & How To Succeed" can help us understand why new year's resolutions fail. It can also give us the science behind resolutions and goals that stick! Jay explains how these points can be used to make FAST (Frugal. Attainable. Specific. Trackable.) financial goals.
Veritasium Video: https://youtu.be/Pm9CQn07OjU?si=VuOgUGd6ed6mn5qP
In the Main Topic Jay works through a FAST saving goal example that used Veritasium's wisdom. How do you think this example can help you with your goals or resolutions this year? If you need help writing and organizing your financial savings goals, this episode is for you!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
After 5 weeks of absence from the Ramsey Show, Dave Ramsey returns and doubles down on his dangerous advice of withdrawing 8-10% of your nest egg each year in retirement. Jay isn't mad, he's just disappointed...
Here is the link to the clip from the Ramsey Show on December 11th 2023: https://www.youtube.com/live/gu2unOUQuUE?si=O7oGWij0g1pzacm_
Episode 37 - Dave Ramsey Is WRONG! - Dave’s Advice Can Leave You BROKE!: https://youtu.be/qreKWpoRxCc
Episode 48 - Dave Ramsey is WRONG AGAIN for 8%! Why I Called Dave on 11/2: https://youtu.be/BugfOEGzG0Y
In the Main Topic today Jay shares his favorite charity for this year's charity highlight. As promised the link to Christ In The City's website is linked here: https://christinthecity.org/
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Need some low to no-cost ideas for the Holidays? In episode 52 of the HopeFilled Financial Podcast Jay goes through a list of 100 Frugal Christmas Ideas from The Curious Frugal: https://www.thecuriousfrugal.com/frugal-christmas-ideas/
Is there anything else you would have mentioned? What was your favorite?
Today's hilarious story comes from a few Christmases ago when Jay and Amanda gave her brother-in-law a 2.5 pound gummy worm! https://www.amazon.com/Worlds-Largest-Raspberry-Cup-Approximately/dp/B07PFWHZPW/ref=sr_1_3?crid=2XB4U1XPSRZ4&keywords=giant+gummy+worm&qid=1702093021&sprefix=giant+gummy+worm%2Caps%2C86&sr=8-3
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Are you working on getting out of debt? Does your December budget make you cringe? Are you tempted to put off money management until the new year? Episode 51 of the HopeFilled Financial Podcast brings you 5 tips for enjoying the Holidays without digging yourself deeper in debt.
The story today is about how Jay gave his sister a meaningful gift of TIME when she was 7-years-old. We can give with time, talent, and treasure. Even if you aren't short on money (treasure), giving your time and talent can be more meaningful than an expensive gift. This gift of time is the only one Jay remembers from that Christmas, and there is a good reason for it.
Can we use that as inspiration in our own gift giving this year? How have you gone about gift giving when money was tight? How can we make this holiday season extra memorable without breaking the bank? Let us know in the comments below!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Today's episode is for all the graduates - and anyone looking for an encouraging life challenge - never lose your story. Jay not only gave the graduation speech for his college of engineering, but he kicked things off by reading The Cat in the Hat by Dr. Seuss on a dare. This speech has lived for years in an obscure corner of youtube - until now.
Jay was interviewed by Josh Jalinski on The Financial Quarterback radio show and podcast. Mr. Jalinski did his homework and asked about Jay's graduation speech on the air. For this reason, today's episode features this speech to help fill in a little more of Jay's background while providing some HopeFilled inspiration.
Jay's Interview on The Financial Quarterback: https://www.youtube.com/watch?v=BDEmFYrKfGw
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
In Episode 49 of the HopeFilled Financial Podcast, using the Wayback Machine, we review the article that was taken down from Dave Ramsey's website after Jay's call in to the Ramsey Show on 11/2. Jay shares what he really liked about the article and the parts that contradict what Dave Ramsey has been saying about safe withdrawal rates for retirement.
Jay also shows Dave Ramsey's R:IQ Tool from his website and asks you to contemplate whether the tool works the way it is supposed to or not. What do you think? Is it broken? Or is Jay missing something?
Dave Ramsey's R:IQ Tool: https://www.ramseysolutions.com/retirement/riq
Dave Ramsey's Retirement Calculator: https://www.ramseysolutions.com/retirement/retirement-calculator?snid=free-tools.retirement.retirement-calculator
Jay is grateful for the interviews he had with Tom the Savings Captain at the Money Happy Hour and David McKnight at The Power of Zero Podcasts. It was an honor to be interviewed and to speak with such incredible individuals. See links below.
"Episode 40: Dave Ramsey's 8% Safe Withdrawal Rate, Isn't Safe!" - Money Happy Hour - https://www.buzzsprout.com/2176290/13975230-episode-40-dave-ramsey-s-8-safe-withdrawal-rate-isn-t-safe
"The Caller on Dave Ramsey’s Viral 4% Rule Meltdown Speaks Out! (My Interview with Jay Disberger)" - The Power of Zero - https://youtu.be/cjYiM-asUc8?si=xrZAchKCC5qTixVN
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
This is my reaction to the call I made to Dave Ramsey on November 2nd. It is also FULL context that lead up to the call - Including two more Dave 8% calls, George's FIRE, and the dead article.
My call that broke X (Twitter) with over 4M Views is at the end. Stick around to the end if you haven't seen it yet. Even if you have, I hope you enjoy hearing my side of the story.
In Episode #37, I said Dave Ramsey was WRONG about 8% being a safe withdrawal rate. What I know to be true of the 4% Rule (give or take a percent) has me bound and determined to change Dave Ramsey's mind.
Call #1: “The Ramsey Show 9/14/2023” https://www.youtube.com/live/goI6GZggksw?si=9U7AzwabILizXk0k&t=2735
Call #2: “Is $1,000,000 Still Enough To Retire?” https://youtu.be/BUl_dAPUBhM?si=cUBSybokG5qpXw2z&t=118
The Article Dave took Down: "3 Ways to Make Your Post-Retirement Plan Last" - Dave Ramsey https://web.archive.org/web/20230604002700/https://www.ramseysolutions.com/retirement/post-retirement-plan
George's FIRE Video: "Why Retiring At Age 35 Is A Bad Idea" https://youtu.be/ZUzaSPPejEo?si=KiiXvwed-7Ll6Wf8&t=285
The Original Call on Dave Ramsey Live "You Can’t Win With Money if You Don’t Know Where Your Money Is | November 2, 2023": https://www.youtube.com/live/Xg4Z8EQY3Ao?si=eCI_NybmHlLM65RC&t=4429
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
In honor of those who have served our country and to celebrate Veteran's Day, Jay reviews an article from US News titled: "6 Financial Military Benefits for Service Members and Veterans." Are all these benefits actually good? What else should you know about the types of financial products showcased in the article? Find out in Episode 47 of the HopeFilled Financial Podcast.
Article Reviewed: https://money.usnews.com/money/personal-finance/family-finance/articles/financial-military-benefits-for-service-members-and-veterans
In today's story, Jay shares how he refinanced a condo in Utah. Did it save him money? Would refinancing save you money? How would you know? Jay shares his tips in this story.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you know the mind tricks that grocery stores play on you to get you to spend more? Did you know that more than half of all grocery store purchases are unplanned? How are we ever supposed to hit our grocery budget?! If you know the right tactics and employ counter measures, you can BEAT THE SUPER STORE!
In today's story, Jay shares how he got a little emotionally attached to a grocery store in Utah. Have you ever become emotionally attached to a store or unexplainably loyal to a particular retailer?
In the main topic, Jay reacts to MatPat's Food Theory Episode "Food Theory: You've Been SCAMMED...and Never Knew It! (Supermarket Secrets)" https://youtu.be/EqviBPG2uPE?si=FgwQEJ-XNs7B33bF
Jay shares additional tips to overcome the temptations of the grocery store and stick to your budget. Did we miss any grocery store hacks that you use? Do you have a favorite tip from today's episode?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Are there financial products that scare you? Is personal finance scary?
In Episode 45 of the HopeFilled Financial Podcast, Jay explains the difference between scary things and risky things. If something is risky and scary, you naturally avoid it for good reasons. When a financial opportunity is scary but not risky, are you missing out due to FEAR? Some common financial tools are genuinely risky, but they aren't scary! In those cases, pay extra close attention - these are the things that can GET YOU! If you want to know what financial products you should really be scared of, this is the episode for you!
In today's story, Jay shares how he gave his boss a tick instead of a treat. A little prank turned out to be fruitful as it inspired today's episode.
The budget tip is to create a separate budget sinking fund for "more expensive" holidays. You know what your favorite holiday is. You know how the costs can add up fast. Why don't we break up the saving into manageable chunks throughout the year?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Remember when Jay said that the most frugal choice was to buy a new Apple laptop as soon as it came out (as opposed to a "cheaper" refurbished laptop)? Well, he had to eat his own words when his laptop unexpectedly quit on him.
Jay was left shopping between a new M2 Pro, or a refurbished M2 Pro... You don't want to miss how several factors played into changing Jay's mind.
Today's story is a recounting of how Jay's laptop died on him. He shares what all he tried to keep it alive, and what he learned from the Apple store about refurbished computers. This was a learning experience you won't want to miss.
The budget tip describes how your budget is not telling you "no." It is telling you "not yet." This healthy state of mind can help you feel more comfortable with waiting for saved purchases. Thinking this way can help you feel more satisfied as you continue to budget bravely.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Are you hoping to retire early? Before you make plans, STOP and review this FIRE safety information. Know how much you can safely take out without jeopardizing your future.
Today's story is a reflection on a question made popular by the book Your Money or Your Life by Vicki Robin: "What would you do right now if you didn't have to work for money?" Jay answers this question for himself and prompts you to do the same.
The budget tip is to track your net worth annually. If your net worth continues to go up, you are on the right track. But if your net worth is going down too much too often, you may have a problem to sort out.
The listener question comes from the comment section. A viewer insisted that "No wife = happy life." Jay refutes this claim with an open and loving heart and some very compelling statistics.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Are you looking for the most frugal way to buy an Apple computer? in Episode 42 of the HopeFilled Financial Podcast, Jay goes over a cost analysis he did of buying new Apple computers vs refurbished Apple computers. There is a clear winner for the most frugal option, and the results will shock you!
Today's story is about how Jay really wasn't frugal with his previous laptop purchase. Jay was motivated by a little discount and trying to have a better laptop than his father - and he spent through the nose for it. Learn from his mistakes when buying your next computer.
The budget tip is that you don't need to upgrade your technology every year. There are ways you can stretch the technology you are already using, and ways you can save up for what you really want in the future! Technology today has reached a point where even older computers and phones can be remarkably adequate for years of use!
The listener question comes from some advice we received from a listener who knows refurbisher computers inside and out. Fred's advice is for YOU if you need to buy a computer soon. You won't want to miss what he has to share.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar Music
Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you ever wonder how much you should be investing into retirement? Do you know how much you will need when you actually retire? These questions and more will be answered in Episode 41 of the HopeFilled Financial Podcast!
Today's story is about Jay and his brother Jordan and how they approached grades in college very differently!
The budget tip is to track retirement early! You want to get to the point where you know your bases are covered and you are saving enough for your future.
The listener question comes from comments we got on Episode 37: Dave Ramsey is WRONG! Dave's Advice Can Leave You Broke! Some clarification was needed on how Jay's example was calculated compared to Dave's. https://youtu.be/qreKWpoRxCc
The main topic is all about how much you need to save for retirement and what you can do now to prepare. Don't let retirement scare you. Be informed and make smart decisions so you can retire with dignity.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you know what RMDs are? Do you know how they will impact you in retirement? Have you thought about tax implications in retirement planning? All these questions will be addressed in this week's episode of the HopeFilled Financial Podcast. You don't want to miss this critical information!
In the today's story, Jay shares the different strategies of eating/stashing your halloween candy. How might this relate to personal finance? Find out by listening all the way through!
The budget tip of the day gives you a starting point to estimate how much you might spend on groceries each month. If you aren't sure where to start, this is the budget tip for you.
Our listener question asks if you can make more money skipping going to college. Jay gives a detailed analysis of the potential paths one might take after high school and how that will affect your overall earning power and nest egg building.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you have your retirement money in a ROTH or a Traditional retirement account? Which one is right for YOU? You can find a lot of information on ROTH vs Traditional throughout the internet, but this episode covers the topic with a concise depth unique to HopeFilled. Find out the pros and cons of each one in Episode 38 of the HopeFilled Financial Podcast. If you have always wondered which one you should have your retirement money in, this is the episode for you!
In the today's story, Jay shares an idea for teaching toddlers delayed gratification - will it work? How can you delay gratification in order to build your retirement savings? Is delayed gratification something you were explicitly taught? Let use know in the comments!
The budget tip of the day is to make your savings goals F.A.S.T! Frugal, Achievable, Specific, and Trackable! Are your savings goals F.A.S.T?
Our listener question asks what to do when your employer cancels your pension! This can feel like a heavy topic, but it is a reality for many. Do you understand how to run the numbers to compare your options? Do you know the difference between a terminated pension vs a frozen pension plan?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Today's episode breaks tradition to get right to business - calling out Dave Ramsey's most dangerous advice that he has been giving on the radio for YEARS! Dave, if this video finds you, we hope you will listen to the results from the study we have conducted and our plea for you to stop giving the advice that 8% to 10% constitutes a safe withdrawal rate in retirement! Please watch our previous episode which reveals the results of our Monte Carlo simulations: Episode 36: https://youtu.be/NDYPoIBeX0A
This previous episode covers the assumptions and the results in more depth. If you think Dave Ramsey needs to change this advice after watching either episode, please copy the link to this episode and share it in the comments on all of the Ramsey highlight clips below. The more our episode gets shared in the comments, the more likely it will be that Dave Ramsey hears our critique. We want this video to help Dave and his millions of followers.
Dave Ramsey Clips:
- https://www.youtube.com/watch?v=vQBWH7zfTXg&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR
- https://www.youtube.com/watch?v=uggSmPDo-Zw&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR&index=3
- https://www.youtube.com/watch?v=hAhVEzRcUsI&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR&index=4
- https://www.youtube.com/watch?v=AKOxeGwvshY&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR&index=5
- https://www.youtube.com/watch?v=hPQu72-su4w&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR&index=6
Money Guys Clip:
- https://www.youtube.com/watch?v=dTA8jed3Zis&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR&index=2
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you know what percent of your nest egg is safe to pull out during retirement? What have you heard about safe withdrawal rates? Jay shares his own personal research results from his Monte Carlo based study with various withdrawal percentages and portfolio mixes. Beyond just covering updated fixed safe withdrawal rates? Jay dives into financial guardrails and strategies that can help you reduce your exposure to risk in retirement. If you understand your retirement strategy, you can life without ever running out of money.
In the today's story, Jay shares how he learned how to use Microsoft Excel from a FREE program at the library. This skill has proved very valuable in many aspects of his life. What free resources do you have available for learning new valuable skills?
The budget tip of the day is to save for retirement over spending in your "lifestyle" categories living in your budget. It's natural to want that subscription now, but should entertainment today be prioritized living with dignity tomorrow? Are your needs today preventing you from saving enough in general?
Our listener question asks how you can afford housing these days!? Jay gives some very practical advice - even if it may not be the advice you want to hear!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Do you have goals for your retirement money? We all have goals, but our core desires for retirement can have a BIG impact on how we treat our money in retirement. Our goals can change how we take distributions and how we keep the nest egg invested. Ask yourself this: How much money will be enough for your retirement? Are you worried about running out of money? Do you want to leave money for future generations? Do you want to maximize your retirement spending? Are you tolerant of risk? Explore these questions and more in Episode 35 of the HopeFilled Financial Podcast!
In the story today, Jay shares and article his father found with a ridiculously low safe withdrawal rate of 1.9%! See what Jay has to say about safe withdrawal rates and if he thinks this article has two legs to stand on.
The budget tip of the day is to ignore withholdings in your monthly budget to keep things simple. If you make a budget too complicated, you may not stick to it. What makes sticking to a budget easier for you?
Our listener question asks how you can be financially comfortable if you drop out of high school. Jay shares some very interesting statistics and practical ways to ensure your financial future. The data here will blow your mind if you are thinking college is a thing of the past!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Have you ever heard this: "If you just give up your daily Starbucks or coffee, you could become a millionaire"? In other words: "Your coffee habit is costing you your financial future!" Well, Jay isn't too sold on this overused "financial tip." The coffee example misses the mark in a big way! This is despite the likes of Suze Orman, Dave Ramsey, Graham Stephan, and Kevin O'Leary all preaching this example to teach opportunity cost. We need to consider opportunity cost in a productive way to reconcile example with real life. How can we do this? Jay is going to tell you all about it in Episode 34 of the HopeFilled Financial Podcast.
Videos Reviewed:
1) Suze Orman on CNBC: https://www.youtube.com/watch?v=z5pW7bFcVN4
2) How Money Works Clip: https://www.youtube.com/watch?v=sONZNcqiofQ
Today's story is a little sentimental. Jay explains how he saved up to buy a Buzz Lightyear costume as a little boy. Jay's parents tired to turn this desire into a financial life lesson that has stuck with Jay for over two decades. What lesson did Jay's parents make? Listen to find out!
The budget tip of the day is to get a month ahead if you have variable income. Getting a month ahead on your income can be helpful to break the paycheck-to-paycheck cycle, but it is even more freeing when you have variable income. This can make budgeting much more practical for you. Listen to find out how!
Our listener question asks how you should pick your first car. You don't want to miss Jay's favorite resource for researching used cars: CarComplaints.com. In Jay's answer, he will go through the fundamentals of picking out your first car and how to use CarComplaints.com. If you are looking for a car, this answer can change your financial future for the better!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What does Bluey have to do with money?! Isn't Bluey just a cute show for little kids? Watch just one episode of this show, and you will learn that the stories and lessons in Bluey can hit you right in the feels! In episode 33 of the HopeFilled Financial Podcast, Jay will share how lessons from the Bluey episode, Mr. Monkeyjocks, can be applied to your financial life. Bluey, directly or indirectly, covers financial boundaries for our wants, needs, and relationships. If this interests you, or if you just like Bluey, this episode of the podcast is for you!
Video Reviewed: "Mr. Monkeyjocks" episode of Bluey: https://www.bluey.tv/
In the story today, Jay shares how he used the 80-20 rule to help him buy a new printer frugally. In Jay's history, he utilized a beastly printer - a Canon Pixma Pro9000 Mark II! Sadly, this printer just died... but it did last 13 years. Given how valuable this printer was and how the family needs/wants have evolved, Jay needed to take a well-informed and frugal approach in finding the replacement. This story serves as a great example of how to apply frugality where the cheapest option isn't the most frugal one for you.
The budget tip of the day is to write a meal plan for yourself to inform your shopping list. Making a meal plan will also help you cut down on the meals where you just don't know what to make - or simply DON'T want to make. Listen to this tip to find out how intentionally making decisions in advance can help you live your best life!
Our listener question asks Jay how to prepare for an unexpected child. Jay's tips and priorities will help you feel more at ease preparing for your little miracle. An unexpected child is a dear blessing. Believe it or not, you will be able to prepare and take care of your financial future despite the beautiful surprise. Take solace from today's answer, and please leave your listener question in the comments below. Alternatively, you can leave a comment in the form at the bottom of our website: HopeFilledFinancial.com
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Have you ever borrowed from family? Find out what Nerd Wallet has to say about borrowing money from family in their article "Family Loans: How to Borrow From and Lend to Family." Do you think Jay agrees with the advice? Find out in Episode 32 of the HopeFilled Financial Podcast!
Article Reviewed: "Family Loans: How to Borrow From and Lend to Family" from Nerd Wallet: https://www.nerdwallet.com/article/loans/personal-loans/family-loans
In the story today, Jay shares how he wrote up a contract when his brother wanted a ride to school in the morning and kept making him late! Have you ever had to have firm boundaries with family? Let us know in the comments.
The budget tip of the day is to write in your calendar when you are going to have your budget meeting so you don't put it off or miss it.
The listener question wants to know the difference between healthy and unhealthy enabling. Have you ever wondered how much help is too much help?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Have you ever wondered if assisting someone out financially is helpful or harmful? Can you spot the signs of financial enabling? Have you ever enabled someone financially? Have you ever been financially enabled? On Episode 31 of the HopeFilled Financial Podcast, Jay reacts to an article entitled "Are You a Financial Enabler?" from DebtWave (See link below). We would love to hear your comments on this topic!
Article Reviewed: "Are You a Financial Enabler?" from Debt Wave: https://debtwave.org/quit-enabling-bad-financial-behaviors/
In the story today, Jay shares what happened when he invited his college friends over to play Monopoly and his young sister really wanted to make friends. There may or may not have been some cheating/enabling involved (even if it was only with Monopoly Money).
The budget tip of the day is to make sure no one but you and your spouse are getting a vote in your budget. Your parents, kids, or others should not be dictating how you spend your money. Do you feel like you (and your spouse if you are married) get exclusive voting rights in your budget? Do you have family or friends who are imposing their vote onto your financial life? What is the difference between letting someone have a vote and just taking wise advice?
The listener question asks how do you balance supporting your child while still teaching them how to be independent. There is a transition from being fully dependent to completely independent (if all goes well). How do you manage this transition without stepping into undue expectations and financial enabling? If you financially enable a child, friend, or family member, are you doing so to feed the relationship? Are you trying to buy friendship?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
How can payday loans destroy you financially? In today's episode you will learn how payday lenders can charge over 600% APR for your payday loans and what you can do to avoid the trap that is payday lending!
In the story today, Jay shares how his bowling coach had to teach him how to relax - something he really had to do differently. How does this relate to finances?
The budget tip of the day is to have a sinking fund for your taxes and not withold too much from your paycheck. This gives the government a loan from you with no interest!
The listener question asks what to do when you are maxing out your retirement.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
How can you stay within your food budget when grocery stores are so keen on getting you to spend impulsively? In America, 51% to 65% of grocery store purchases are unplanned and HopeFilled has observed that the food facet of budgeting is almost always the hardest one to keep in check. For today's main topic, Jay covers his Top 10 most powerful food and grocery tips that will make a game-changing difference in your budgeting life. If you follow even just the last 3 life hacks on this list, you will find your food spending almost always lands within or on budget!
In the story today, Jay shares how he tried a dieting challenge shortly after graduating from college. This challenge lined up what to make each day with recipes and shopping lists to make the challenge as straight forward as possible. Here is the kicker: the challenge plan may or may not have expected you to eat left overs, and the amount of food in the plan was way more than one man could eat - especially when on a 'diet.' In this case, food is either wasted or waisted! Enjoy this story to find out what Jay learned about dieting and meal planning.
The budget tip of the day is that the sum of your sinking funds should equal the balance of your savings account. This will help you become unabashedly frugal with your savings as well as help you reconcile your savings account every month. Saving your wants, needs, and long-term goals is never easier than when you have a healthy and reconcilable savings allocation plan.
The listener question asks, "How can eating healthy and avoiding food sensitivities become compatible with living on a tighter food budget? What tips do you have for eating clean on a budget?" While a lot of this question can be answered through the main topic, there is one bit of food advice that Jay did not include in his top ten list that is perfect for trying to eat clean. On the whole, we hope you like Jay's answer!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Talking Of Business is a podcast hosted by Jordan Disberger and Russell Disberger - Jay's brother and Father. This podcast focuses on business, naturally, but frugality can be applied to business management and operations. Jay was invited onto this podcast to share his thoughts on frugality and business. How does frugality vary in business vs personal finance? The main topic covers the highlights from the collaboration to answer that very question.
https://open.spotify.com/episode/3IulsDDQAvIFR5B3eFbVLx?si=3e2857b08c9f4334
In the story today, Jay shares how he made it through most of his college experience without a cell phone! Doesn't everyone and their dog need a cellular phone these days? Isn't a smart phone a need to be successful in life? Will today's story change your answers to these questions? Let us know in the comments below!
The budget tip is to use cash for your groceries if you tend to overspend at the grocery store. This is often called the envelop system by Dave Ramsey's followers. The TikToc crowd calls this cash stuffing. No matter what you call it, using cash for groceries is one of the most powerful ways to keep your food spending in check. If you would like more food friendly budget tips, Subscribe! Next weeks episode will be about HopeFilled's top 10 food budget tips.
The listener question explores how to not feel guilty for not giving more to charity when you are taking care of your financial goals. This is a good-hearted question, and one we must wrestle with as we become financially successful. Do you agree with Jay's answer to this question? Do you have another question you would like Jay to answer? Leave it in the comments below, and we may feature your question in a future episode!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What are America's top 10 hobbies? Can they be frugal? In this episode of the HopeFilled Financial Podcast, we take a look at America's top 10 hobbies (according to Statista) and see ask if they are helping us maximize our happiness and utility per dollar.
Most popular hobbies & activities in the U.S. as of March 2023: https://www.statista.com/statistics/997050/most-popular-hobbies-and-activities-in-the-us/
In the story today, Jay shares the most expensive hobby he has ever had - bowling! How expensive do you think a proper bowling ball costs a competitive bowler? How expensive is the practice required to become a 200 average tournament competitor?
The budget tip of the day is to make a line item for your hobbies so that you can see how much they are costing you, OR give yourself permission to spend what you want on your hobbies. Hobbies can become illusive if we don't call them out specifically in our budgets. Giving them a home and a name in our financial plan is a prudent step. Your wallet and Robbie health will thank you.
The listener question asks if it is wrong to be wealthy. Jay's answer may surprise you. Do you think it is wrong to be wealthy?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
On Episode 26 of the HopeFilled Financial Podcast Jay recalls his encounter with a scammer who was impersonating Amanda's grandma! The interactions with this scammer are hilarious! - As long as you know not to fall for these terrible scams! Have you ever had an encounter with a scammer? Let us know in the comments! We didn't have time for our normal budgeting tip, listener question, and story today, but next week we resume standard form. Be sure to send us your questions, and we will answer them on a future episode!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
On Episode 25 of the HopeFilled Financial Podcast Jay asks ChatGTP (an artificial intelligence program) to write a budget for him. Is Jay going to replace himself with AI?! Don't miss what happens!
Our story today is about the one time Jay and Amanda had a skimmer get their debit card information. Learn from our experience so that you don't have your financial means compromised!
The budget tip can save you a lot of headache and hassle by having a redundant card - and it doesn't have to be a credit card!
Our listener question comes from John asking about if AI can hack your passwords. You really need to hear Jay's answer to this question!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
In Episode 24 of the HopeFilled Financial Podcast Jay gets FIRED-UP over an article from Money Under 30 entitled "5 Reasons You Should Keep Your Finances Separate From Your Significant Other (and 4 Reasons You Shouldn’t)" (see link below). The claim that separated finances promotes the healthiest choice a married couple can make is scientifically and philosophically false at it's very core, and Jay's reaction stems from his passion to help marriages make objectively healthy and life-giving financial choices with love and unity.
Article: https://www.moneyunder30.com/5-reasons-to-keep-your-finances-separate-from-your-significant-other
In today's story, Jay tells the physics joke he promised in Episode #23. Even if it is not funny (like all of Jay's typical dad jokes), the analogy is good! It is 'currently' the best connection Jay has made from his engineering background and personal finance in marriage.
The budget tip is: Include hospitality in your budget. This gives you permission to spend money when guests come to visit so you don't feel any restraint or financial frustration. A budget is your ticket to freedom and financial peace.
Today's listener question covers what to do when your colleagues want to eat out all the time at work, but you don't have the budget for that. This is a common peer pressure situation. If you have a question you want answered on the podcast, please leave a comment below!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Episode 23 of the HopeFilled Financial Podcast is for all the newlyweds out there! This Investopedia article, "Managing Money as a Newly Married Couple" (see link below), covers options for how to deal with finances as a newly married couple. Th article dives into the pros and cons of managing money jointly, separately, or a combination of both. Jay expands on agreements, and refutes the advice that is not compatible with frugality. Do you agree with Jay's reaction? Let us know in the comments below!
Article: https://www.investopedia.com/articles/personal-finance/030716/managing-money-couple.asp
In today's story, Jay shares how he and Amanda disagreed about moving all of his childhood toys to Utah and back. What was the frugal choice in this scenario? Should Amanda have had a vote on the matter before they were married? Would you have moved the toys?
The budget tip is to only spend money out of one place so that tracking your spending and reconciling your budget is much easier. If you have too many means of spending that you use regularly, your tracking can become complicated or time consuming. If you had to check 10 different spending accounts, how often would you update your budget throughout the month? Would you update your budget at all?
Today's listener question discusses the pros and cons of renting vs owning a home. Does renting feel like throwing your money away to you? Should you buy a home with only 3% down? Does the frugal choice change depending on long-term vs short-term housing? What is PMI? When you retire, do you want to own a home without a mortgage?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
We have very special guests for today's episode of the HopeFilled Financial Podcast! Michael and Vicky share their story of combining finances and working together with money before and after getting married. We hope you find their story relatable and inspiring!
In today's story, Jay shares a funny story from when he and Amanda were dating. Somehow Amanda fell for his "whole package deal!"
The budget tip is to save your old budgets to use to help you recall month-specific expenses. What else can you learn from your old budgets? Find out in today's episode, and if you have other tips, leave us a comment!
Today's listener question refers back to Episode 18 where we talk about different types of budgets, and encouraged us to release some bonus content for you about YNAB - You Need A Budget. Check out the bonus content here: https://youtu.be/Q305xHg-78M
For the main topic, Michael and Vicky share their experiences combining finances upon getting married. They share their differences in handling money and how they use each of their strengths to work together with money well. Let us know in the comments what you found relatable about what this couple shared. If you have any questions about combining finances in married life, be sure to let us know so we can answer your question in a future video! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Can 'help' actually harm? Where do you draw the line when supporting your grown children? Today's episode of the HopeFilled Financial Podcast reviews an article from The Hill citing statistics about how many millennials receive financial support from their parents. You may be surprised by Jay's reaction!
Fred's character from the widely criticized TV show 'Velma' is nothing short of sad. Fred is portrayed as an overly dependent high schooler who cannot cut his own pancakes. While comically overblown, Jay highlights that we want to raise children who are not needlessly dependent on us in their adult lives. In today's story, Jay shares how he plans on incentivizing his son Oliver to become a good, thoughtful, frugal saver. 401Kid is the name of the game! Does today's story change the way you plan on teaching your child about money?
The budget tip is to not put off your budget meeting. If your month starts and you still don't have a plan, your spending can control you instead of you controlling your spending! If this rings true for you, leave us a comment!
Many people want to understand their retirement accounts better. 401Ks on their own generate a lot of questions. Today's listener question digs into the differences between Roth and Traditional retirement accounts. What is a rollover and what do you need to know about it? What should you know before rolling over Traditional money to ROTH money. How are employer contributions invested? Does that impact your rollover plan? Will any rollover you make create an undue tax burden? If you want someone to sit down with you and help you understand your retirement accounts better, that is what HopeFilled Financial is all about!
For the main topic, Jay reviews and article from The Hill called "Parents Pay at Least One Monthly Bill for 40 Percent of Millennials" (see link below). These surprising statistics should awaken millennials and parents of millennials alike to employ better boundaries with money. Dependency is the core problem at the heart of this article. Dependency in adult family relationships can become very unhealthy. How can you become more independent financially? How can you encourage adult children to become financially healthy. What do YOU think of these statistics? Is this topic a problem of major concern?
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
Article Reviewed: https://thehill.com/business/3840020-parents-pay-at-least-one-monthly-bill-for-40-percent-of-millennials/
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Like anything of substance, budgeting takes PRACTICE! On average, you will learn ~80% or more of how to make budgeting work for you after only three months of putting your zero-based budget into practice. This is true for married couples as well even though budgeting in marriage is itself a whole different ball game.
In today's story, Jay shares how his three months of practicing budgeting with Amanda went. Spoiler alert: it wasn't pretty... The good news is that this season of giving each other grace to learn how to budget together has yielded a fruitful and life-giving habit for their marriage. What can you learn from their example and their mistakes to help your HopeFilled financial future grow?
The budget tip today is simple: if you break the budget, fix it. Don't let it be broken and ignore it for the rest of the month. When the unexpected strikes, or you overspend a particular category, how do you fix it? How do you manage fixing your budget in the middle of the month when you are married?
Our listener question asks us to expand on wedding budgets for different types of weddings. Jay dives into big vs small weddings, local vs destination weddings, and traditional vs original weddings. The expanded discussion on wedding budgets can really help you if you have a wedding budget in your future!
For the main topic, Jay digs into what budget meetings are like in marriage. Communication in marriage is extra important when it comes to money. This part of the podcast will give you a wise structure for successful money management in marriage. The ideal married couple's budget meeting is easy on both spouses, leverages each spouse's strengths, and helps the couple grow together in love and frugality. Are you looking to deepen your marital love and communication skills? If so, this part of the podcast is a must listen to enrich your marriage.
Speaking of marriage enrichment, don't forget our church-hosted marriage and money workshop can be found at our website here: HopeFilledFinancial.com/workshops
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Most of us want to be financially successful, but what does that even mean? In Episode 19 of the HopeFilled Financial Podcast Jay shares 4 success stories from an article published by Mint (see link below). Today's episode covers how everyday people are winning with money even when times are tough! Please let us know in the comments which story inspired you the most! What does 'financial success' look like to you?
Today's story is about Jay and his wife's first three budget meetings that did NOT go well and the hope that exists on the other side of that practice. It takes at least three months of grace to let a budget start to work for you. There is hope on the other side of learning new healthy money habits. The hardest part of the journey is the first step. How did your first budget meetings go? How are they going now?
If you are a perfectionist, today's listener question is for you! Budgeting is not a one-and-done perfect practice. A budget is a living document. Don't let perfectionism come between you and your budget. Budgeting helps us become the most frugal versions of ourselves. There is a greater good that can come out of budgeting even when it isn't ever quite perfect. The greater good for you and your money is why budgeting is worth it - even though it isn't always perfect. In what ways can perfectionism come between you and a good practice?
Article Reviewed: They Did It and So Can You! 4 Real Life Budget Success Stories: https://mint.intuit.com/blog/planning/they-did-it-and-so-can-you-4-real-life-budget-success-stories-0114/#entry-content
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Which budgeting method is right for you? In Episode 18 of the HopeFilled Financial Podcast Jay describes the top 5 types of budgets according to Finmasters.com. Jay dives into pros and cons of each type of budget and provides his insights into each budgeting method. These include the Zero-Based Budget, the Envelope System (AKA Cash Stuffing), the 50/30/20 Budgeting Method, the Pay Yourself First or 80/20 Budget, and Reverse Budgeting. Is it possible to mix and match methods? Are their any means of budgeting that you would like to see covered in a future episode?
The story is a throwback to the old days of engineering and using simple line work to convey information. From hand drafting to BIM/REVIT modeling of modern day, there are not many mindsets and methods for architects, engineers, and consultants to design buildings. When it comes to budgeting and personal finance, there are also multiple mindsets and methods. There is more than one way to design a building, and every approach to budgeting is a little different. How is your budgeting unique to you?
The answer to our listener question is about budgeting for spontaneous bulk food purchases. How can budgeting work when you like to spontaneously buy food in bulk? Does buying food in bulk make budgeting imposible? Remember, your budget won't be a copy-paste from month to month, so don't try to squeeze into that mold.
Article Reviewed: Budgeting Methods: 5 Types of Budgets Explained: https://finmasters.com/budgeting-methods/
Dale Carnegie Quote: https://www.azquotes.com/quote/48676?ref=wanting-more
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Keeping a written budget can be the most important step between living paycheck-to-paycheck and living your HopeFilled financial dream! However, less than 20% of Americans keep written budgets.
If you are looking for your driving 'Why' to start budgeting, look no further! These are our top 10 reasons why you need a budget! Which of these top 10 reasons is most motivating to you? If you are currently budgeting, what keeps you going? Please share your motivation with us. Your 'Why' may end up featured in a future episode!
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Planning a wedding involves a LOT of decisions. Those decisions are not all just up to you, either. There are a lot of voices that try to speak into wedding planning and it can all get overwhelming without a plan. Given that a wedding is an important occasion, it is prudent to have a written plan. Is the same true for your financial life? In this episode, Jay shares lessons learned from planning his wedding with Amanda. These lessons directly support budgeting - especially in marriage. In the main topic today, Jay dives into the nuts and bolts of his personal zero-based budget. If you are looking for the technical knowledge required to write an organized and effective budget, you have come to the right podcast! Enjoy this fundamental episode of the HopeFilled Financial Podcast!
Don't forget to like, share, and subscribe! We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Thoughtful planning can be the difference that makes or breaks your goals. Without a plan, our actions may lack the structure we need to succeed in a timely manner. In today's podcast, Jay recalls how planning helped him write a 450+ page thesis! With this lesson in mind, how important is it for you to make intentional plans for your life, for your dreams, and for your priorities? If something is a real priority to you, it merits a plan, right? In effect, your plans need to be a priority, too. Is there a type of plan that impacts all of your dreams and goals? What is the powerful priority??? Find out in today's main topic! Oh, and if you are into potatoes, meal planning, and overthinking your restaurant orders, you will enjoy today's listener question from Brett!
Don't forget to like, share, and subscribe! We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Identity Theft: It's not a matter of 'if,' but 'when.' In this episode, you will hear tips on protecting your identity and personal anecdotes from a project engineer who experienced a DarkSide Ransomware attack first hand. If you value your identity, time, and money, this episode is a must-listen for you!
Don't forget to like, share, and subscribe! We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Jay spills the stories of credit cards in his past. Was there a time when anti-credit card advice falls short? This relatable confession will leave you thinking. The budget tip covers vacation, and the listener question is about debt-free modivation!
In the context of his story, Jay reacts to the article "10 Benefits of Using a Credit Card." Jay may have gotten a little bit pointed this time. We hope you learn from this fired up reaction and review.
Article: "10 Benefits of Using a Credit Card": https://www.idfcfirstbank.com/finfirst-blogs/credit-card/10-benefits-of-credit-card
Don't forget to like, share, and subscribe! We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What do Angry Birds and snowballs have to do with getting out of debt?! It turns out, quite a bit. In this episode of the HopeFilled Financial Podcast, you will learn about gamifying modification and the most effective method of getting out of debt, the debt snowball! This method was popularized by Dave Ramsey - the king of becoming debt-free! Additionally, today's listener question breaks the norm and goes to the dogs. You don't want to miss this one - which in no way shape or form actually represents investment advice for man nor beast. Enjoy this week's episode!
Don't forget to like, share, and subscribe! We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode!
Disclaimer: This podcast serves only as educational entertainment - NOT investment advice.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Have you ever wondered if getting out of debt is worth it? Maybe you aren't sure why debt is bad to begin with. Well, this episode just might change your mind!
Jay goes through POWERFUL examples of how debt is eating away at your future and paints you a picture of a HopeFilled Future that can be yours by getting out of debt and investing in your future.
Disclaimer: This podcast serves only as educational entertainment - NOT investment advice.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
What is the most important number for your financial life?
Find out in this episode of the HopeFilled Financial Podcast! Jay will discuss the implications of debt that you may have never thought of. Will your future be secure?
Disclaimer: This podcast serves only as educational entertainment - NOT investment advice.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Is "Rich Dad Poor Dad" WRONG?!? You do not want to miss Jay reacting to Robert Kiyosaki's Millennial Money videos. If you have wanted to see Jay get fired up, here is you chance. See what Jay has to say about "Good Debt" in today's episode.
Original Videos:
How Debt Can Generate Income: https://www.youtube.com/watch?v=dN5qHjnd_xk&t=37s
How to Convert a Liability into an Asset: https://www.youtube.com/watch?v=A8vD_XO0vUU
Don't forget to subscribe! Submit your questions to be answered on the podcast on our website: HopeFilledFinancial.com
Disclaimer: This podcast serves only as educational entertainment - NOT investment advice. No statement made in part or in whole should be interpreted in any way as financial or investing advice.
Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Jay interviews Connie Braun, a FACS and personal finance teacher. They discuss what teens really should know about personal finance.
What are some ways you can help your teen be prepared for the real world of money?
Disclaimer: This podcast serves only as educational entertainment - NOT investment advice.
Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
Jay interviews his wife Amanda for a special Valentine's Day episode. Can budgeting actually be romantic?! They discuss how their relationship with money and each other changed from dating to marriage. For all of you couples wondering how to work together with finances, this is the episode for you!
Don't miss the story of how Jay and Amanda designed rings for each other on a budget! Engagement rings don't have to be expensive to be meaningful and lovely.
Disclaimer: This podcast serves only as educational entertainment - NOT investment advice.
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
We keep hearing about how high interest rates are getting. How are they going to affect you? Jay reacts to an article from Zions Bank discussing the rising rates.
Disclaimer: This podcast serves only as educational entertainment - NOT investment advice.
Article reviewed: https://www.zionsbank.com/community/articles/2022/june/3-ways-rising-interest-rates-may-affect-finances/
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
This episode critically reviews an article from the Penny Hoarder about businesses that claim to give you extra cash easily. Jay's research warns about slippery slopes and provides better alternatives. Let us know what you think in the comments!
Disclaimer: this podcast serves only as educational entertainment - NOT investment advice.
Article reviewed: https://www.thepennyhoarder.com/debt/ask-for-money-email/
Our Website: HopeFilledFinancial.com
Music: "Take Me Higher" by Jahzzar
Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.
This episode concludes the four part series on frugality with a discussion of economy. Today's story is about Jay and Amanda's wedding and the steps they took to get the most happiness per dollar for their big day. Like always, Jay will share a budget tip. If you have questions you would like us to answer, submit them on our website: www.hopefilledfinancial.com. Next week we will begin answering your questions!
Today's episode picks up with the 3rd facet of frugality: prudence. Jay shares stories of car shopping and analogies for debt. Learn how to be more prudent with your money and make wise choices. Submit the questions you want answered on our podcast on www.hopefilledfinancial.com, or find us on Facebook: HopeFilled Financial Coaching.
In our second episode of our HopeFilled Financial Podcast we continue our discussion on the definition of frugality - specifically the 'practice' portion. Jay shares stories of how practicing makes an impact on all areas of your life, but most specifically with budgeting.
In our first episode of our HopeFilled Financial Podcast we discuss our definition of frugality and how a more intentional perspective can change your life and give you more happiness per dollar.