HopeFilled Financial Podcast
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.
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Mommy, Who Will Take Care of Me If You Die? | Why & HOW We Made a Will and Trust - Ep.#105
09/15/2026
Mommy, Who Will Take Care of Me If You Die? | Why & HOW We Made a Will and Trust - Ep.#105
"Mommy, who will take care of me if you and daddy die?" That question from my 4-year-old helped remind me why estate planning is an act of love. With a new baby on the way and our home paid off, my wife and I knew it was time to update our plan. In this episode, I share why and how we created a will and trust, how we're planning for our children if something happens to both of us, how we're handling our home and retirement accounts, and why we chose to involve a professional trustee. We also go into our unique life insurance plan and how well WilMaker & Trust worked for us! Estate planning doesn't have to be complicated or intimidating. If you have children, a home, retirement accounts, or people you love, this is a reminder to put your wishes in writing and protect the people who matter most. #EstatePlanning #WillAndTrust #FamilyFinances #FinancialPlanning #Parenting Link: 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 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 lahzzar 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
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My Contractor HORROR STORY: $20,000+ Siding Job Goes TERRIBLY Wrong! - Ep. #104
09/01/2026
My Contractor HORROR STORY: $20,000+ Siding Job Goes TERRIBLY Wrong! - Ep. #104
I hired a contractor to replace my home's siding. What followed was a $20,000+ contractor nightmare involving missed deadlines, poor communication, terrible workmanship, and mistakes that were simply covered up with caulk. After bringing in company executives and an independent inspector, we discovered major installation problems-including improperly spaced nails and improperly wrapped windows. The entire project eventually had to be redone. This is my contractor horror story and a cautionary tale for anyone considering a major home renovation or repair. If you're hiring a contractor, learn from my mistakes before signing the contract! #ContractorHorrorStory #HomeRenovation #Homelmprovement #Homeowners #Siding 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 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 labzzar 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.
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2026 HopeFilled Financial Podcast Season 3 is Coming!
08/18/2026
2026 HopeFilled Financial Podcast Season 3 is Coming!
Jay is BACK! After a successful first year teaching as an assistant professor, Jay has returned with new and exciting episodes that will now be seasonally produced. Starting in September, you can expect new episodes of the HopeFilled Financial Podcast every other Tuesday all the way through the end of April 2027. While the background, format, and schedule are all new, this is still the same show here to help you budget bravely and enjoy 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 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.
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2025 HopeFilled Financial Podcast Life Update
05/13/2025
2025 HopeFilled Financial Podcast Life Update
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.
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You’re Using Direct Deposit WRONG! | Why We Carry a Debit Card We Don’t Use - Ep. #103
12/31/2024
You’re Using Direct Deposit WRONG! | Why We Carry a Debit Card We Don’t Use - Ep. #103
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: 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. 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.
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Alton Brown Cuddled Me?! Living YOUR Financial Dream Through FootStep #8 - Ep. #102
12/24/2024
Alton Brown Cuddled Me?! Living YOUR Financial Dream Through FootStep #8 - Ep. #102
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.
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What SECURE Act 2.0 Means for YOU (2025) | Education, Retirement, and MORE! - Ep. #101
12/17/2024
What SECURE Act 2.0 Means for YOU (2025) | Education, Retirement, and MORE! - Ep. #101
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.
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Raising Givers: The Santa Secret for Kids - Ep. #100
12/10/2024
Raising Givers: The Santa Secret for Kids - Ep. #100
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.
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10 Things You Should (Almost) NEVER Buy New | Unlock Frugal Savings Secrets! - Ep. #99
12/03/2024
10 Things You Should (Almost) NEVER Buy New | Unlock Frugal Savings Secrets! - Ep. #99
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.
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SHOCKING Secret to Amazon Renewed | Unboxing iPhones for Frugal Buyers - Ep. #98
11/26/2024
SHOCKING Secret to Amazon Renewed | Unboxing iPhones for Frugal Buyers - Ep. #98
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.
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Speed Costs You More Than You Think: The 5 MPH Fuel-Saving Secret - Ep. #97
11/19/2024
Speed Costs You More Than You Think: The 5 MPH Fuel-Saving Secret - Ep. #97
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.
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Shopping Smarter with 1950s Clicker Calculators – Why Stores Killed Them Off! - Ep. #96
11/12/2024
Shopping Smarter with 1950s Clicker Calculators – Why Stores Killed Them Off! - Ep. #96
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.
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Dave Ramsey 8% Drama FULL Timeline 2024 - George is BACK on 4%! - Ep. #95
11/05/2024
Dave Ramsey 8% Drama FULL Timeline 2024 - George is BACK on 4%! - Ep. #95
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: 04:38 - October 2023 - George Kamel's 4% FIRE Video: https://youtu.be/qreKWpoRxCc & 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: 15:09 - Late November 2023 - Broken RIQ Tool Ep 49: 16:23 - December 2023 - Lane Sebring Interview: https://www.youtube.com/watch?v=KpHtaVHDi84 & Ep 53 - Dave Doubles Down: 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 & 19:16 - February 2024 - Decade Investor Interview Ep 61: https://youtu.be/tZV-zE82eKU & 19:52 - April 2024 - Interview with Elevate Your Business - https://www.youtube.com/watch?v=0KKDIwyKuMo & Dave on Fox News: 20:24 - June 2024 - Portfolio Waterfall Ep 80: 21:41 - September 2024 - Josh Curtis Interview Ep 87: https://youtu.be/3Ql35LuHAp8 & George vs Caleb Ep 89: https://youtu.be/rmBG0uAelgQ & 29:19 - October 2024 - Updated Ramsey Retirement Article: Call #1: “The Ramsey Show 9/14/2023” Call #2: “Is $1,000,000 Still Enough To Retire?” The Article Dave took Down: "3 Ways to Make Your Post-Retirement Plan Last" - Dave Ramsey George's FIRE Video: "Why Retiring At Age 35 Is A Bad Idea" 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": 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.
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Host a Thanksgiving Feast on a Budget Without Breaking the Bank! - Ep. #94
10/29/2024
Host a Thanksgiving Feast on a Budget Without Breaking the Bank! - Ep. #94
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.
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Money & Marriage Success: How This Couple Stays on the Same Financial Page – Ep. #93
10/22/2024
Money & Marriage Success: How This Couple Stays on the Same Financial Page – Ep. #93
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.
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Paying Off Your Mortgage Early? Pros & Cons of Paying Extra vs. Investing Instead - Ep. #92
10/15/2024
Paying Off Your Mortgage Early? Pros & Cons of Paying Extra vs. Investing Instead - Ep. #92
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.
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Suze Orman Debit Card SCAM EXPOSED? Travis Kelce & Experian Push Same Credit-Building Lie? - Ep #91
10/08/2024
Suze Orman Debit Card SCAM EXPOSED? Travis Kelce & Experian Push Same Credit-Building Lie? - Ep #91
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: 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.
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Unlock Mortgage Mastery | My Journey & Top 10 Tips for Mortgage Success - Ep. #90
10/01/2024
Unlock Mortgage Mastery | My Journey & Top 10 Tips for Mortgage Success - Ep. #90
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.
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8% Caller Reacts to George Kamel & Caleb Hammer’s 7% Withdrawal Rate Debate | Debunking George's Defense - Ep. #89
09/24/2024
8% Caller Reacts to George Kamel & Caleb Hammer’s 7% Withdrawal Rate Debate | Debunking George's Defense - Ep. #89
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.
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Should You Pay Off Your Mortgage Early? | Finding Financial Freedom with FootStep #7 - Ep. #88
09/17/2024
Should You Pay Off Your Mortgage Early? | Finding Financial Freedom with FootStep #7 - Ep. #88
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.
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Unlocking the Portfolio Waterfall with Creator Josh Curtis | Revolutionizing Retirement - Ep. #87
09/10/2024
Unlocking the Portfolio Waterfall with Creator Josh Curtis | Revolutionizing Retirement - Ep. #87
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: 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.
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Top 25 ROI-Boosting Home Improvements to Maximize Equity - Ep. #86
09/03/2024
Top 25 ROI-Boosting Home Improvements to Maximize Equity - Ep. #86
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.
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Top 10 Tips to Graduate College Debt-Free | My College Success Story - Ep. #85
08/27/2024
Top 10 Tips to Graduate College Debt-Free | My College Success Story - Ep. #85
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.
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Top 10 Tips to Secure and Protect Your Child's Financial Future - Ep. #84
08/20/2024
Top 10 Tips to Secure and Protect Your Child's Financial Future - Ep. #84
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.
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Grow YOUR Child's Financial Future | 401Kid | HopeFilled FootStep #6 - Ep. #83
08/13/2024
Grow YOUR Child's Financial Future | 401Kid | HopeFilled FootStep #6 - Ep. #83
-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: 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.
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How Much Do Financial Advisors Really Cost? | Understanding the 1% Fee - Ep. #82
08/06/2024
How Much Do Financial Advisors Really Cost? | Understanding the 1% Fee - Ep. #82
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: 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.
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Slash Your Power and Gas Bills: My Top 3 Utility Savings Tips - Ep. #81
07/30/2024
Slash Your Power and Gas Bills: My Top 3 Utility Savings Tips - Ep. #81
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.
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The 4% Rule is DEAD! Can The Portfolio Waterfall DOUBLE Your Retirement Income!? - Ep. #80
07/25/2024
The 4% Rule is DEAD! Can The Portfolio Waterfall DOUBLE Your Retirement Income!? - Ep. #80
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 - 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: New Retirement Study: How to Never Run Out of Money: Kicking the Bucket Retirement Strategy: Viral 8% Dave Ramsey Call Episode: 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.
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Mutual Funds Uncovered: How They Work & Why They Matter | Mutual Funds vs. ETFs - Ep. #79
07/16/2024
Mutual Funds Uncovered: How They Work & Why They Matter | Mutual Funds vs. ETFs - Ep. #79
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.
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Episode 79/80 Delay
07/02/2024
Episode 79/80 Delay
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.
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