HopeFilled Financial Podcast

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.