HopeFilled Financial Coaching

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. Watch the full episode here: https://youtu.be/D4atC06a7zo Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD 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.

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 remembers another, but he needs your help to track down the source. Watch the full episode here: https://youtu.be/D4atC06a7zo HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9 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

In the Main Topic, Jay reviews his definition of frugality its opposite. Can frugality really solve everything? Frugality can be used as a core value or virtue to inform our financial habits and decisions. These new decisions and habits can change our HopeFilled financial futures forever! Do you like Jay's definition of frugality? Did any of the stories resonate with you? Is frugality a virtue you want to have yourself? Let us know your thoughts in the comments. Watch the full episode here: https://youtu.be/Mo6wh-cpuZA Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial). Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Ogres are like onions... are people like onions, too? Jay's story today explains how his dad's work with behavior analysis stuck with him as a kid. The lessons he overheard guide many of his beliefs today. This particular lesson can help you better understand yourself, your habits, and your values. Watch the full episode here: https://youtu.be/Mo6wh-cpuZA HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9 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

In the Main Topic Jay works through a FAST savings goal example that used Veritasium's wisdom. How do you think this example can help you with your goals or resolutions this year? If you need help writing and organizing your financial savings goals, this episode is for you! Watch the full episode here: https://youtu.be/YVWZ1RDFfJc Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD 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 science teach us how to set better financial goals or New Year's Resolutions? Veritasium's video "Why New Years Resolutions Fail & How To Succeed" can help us understand why new year's resolutions fail. It can also give us the science behind resolutions and goals that stick! Jay explains how these points can be used to make FAST (Frugal. Attainable. Specific. Trackable.) financial goals. Veritasium Video: https://youtu.be/Pm9CQn07OjU?si=VuOgUGd6ed6mn5qP Watch the full episode here: https://youtu.be/YVWZ1RDFfJc HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9 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

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.

In the Main Topic today Jay shares his favorite charity for this year's charity highlight. As promised the link to Christ In The City's website is linked here: https://christinthecity.org/ Watch the full episode here: https://youtu.be/4JTg5L_0Q0g Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD 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.

After 5 weeks of absence from the Ramsey Show, Dave Ramsey returns and doubles down on his dangerous advice of withdrawing 8-10% of your nest egg each year in retirement. Jay isn't mad, he's just disappointed... Here is the link to the clip from the Ramsey Show on December 11th 2023: https://www.youtube.com/live/gu2unOUQuUE?si=O7oGWij0g1pzacm_ Episode 37 - Dave Ramsey Is WRONG! - Dave’s Advice Can Leave You BROKE!: https://youtu.be/qreKWpoRxCc Episode 48 - Dave Ramsey is WRONG AGAIN for 8%! Why I Called Dave on 11/2: https://youtu.be/BugfOEGzG0Y Watch the full episode here: https://youtu.be/4JTg5L_0Q0g HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9 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

Need some low to no-cost ideas for the Holidays? In episode 52 of the HopeFilled Financial Podcast Jay goes through a list of 100 Frugal Christmas Ideas from The Curious Frugal: https://www.thecuriousfrugal.com/frugal-christmas-ideas/ Is there anything else you would have mentioned? What was your favorite? Watch the full episode here: https://youtu.be/5fE0YQcILd8 Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD 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.

As a bonus section to episode 56, 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 Episode 56: https://youtu.be/D4atC06a7zo Dave Ramsey is Wrong! Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrbL9178YcYkYNNgHua3SWwk 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.

Today's hilarious story comes from a few Christmases ago when Jay and Amanda gave her brother-in-law a 2.5 pound gummy worm! https://www.amazon.com/Worlds-Largest-Raspberry-Cup-Approximately/dp/B07PFWHZPW/ref=sr_1_3?crid=2XB4U1XPSRZ4&keywords=giant+gummy+worm&qid=1702093021&sprefix=giant+gummy+worm%2Caps%2C86&sr=8-3 Watch the full episode here: https://youtu.be/5fE0YQcILd8 HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9 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

Are you working on getting out of debt? Does your December budget make you cringe? Are you tempted to put off money management until the new year? Episode 51 of the HopeFilled Financial Podcast brings you 5 tips for enjoying the Holidays without digging yourself deeper in debt. Watch the full episode here: https://youtu.be/il80KQmfa8c Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD 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.

The story today is about how Jay gave his sister a meaningful gift of TIME when she was 7-years-old. We can give with time, talent, and treasure. Even if you aren't short on money (treasure), giving your time and talent can be more meaningful than an expensive gift. This gift of time is the only one Jay remembers from that Christmas, and there is a good reason for it. Can we use that as inspiration in our own gift giving this year? How have you gone about gift giving when money was tight? How can we make this holiday season extra memorable without breaking the bank? Let us know in the comments below! Watch the full episode here: https://youtu.be/il80KQmfa8c HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9 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

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.

Jay reviews Dave Ramsey's R:IQ Tool. This is the tool Dave has on his website to help you with your retirement plans. However, there might be something wrong. Does this tool use a proper safe withdrawal rate? Is the projection consistently applying inflation? What do you think? Is it broken? Or is Jay missing something? Dave Ramsey's R:IQ Tool: https://www.ramseysolutions.com/retirement/riq Dave Ramsey's Retirement Calculator: https://www.ramseysolutions.com/retirement/retirement-calculator?snid=free-tools.retirement.retirement-calculator Watch the full episode here: https://youtu.be/qESfErXkRJU Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD 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.

In Episode 49 of the HopeFilled Financial Podcast, we review the article that was taken down from Dave Ramsey's website after the 11/2 call in to the Ramsey Show. Jay shares what he really liked about the article and the parts that contradict what Dave Ramsey's 8% vs ~4% advice. Article Link: https://web.archive.org/web/20230604002700/https://www.ramseysolutions.com/retirement/post-retirement-plan Watch the full episode here: https://youtu.be/qESfErXkRJU Also, Jay is very grateful for the interviews he had with Tom the Savings Captain on the Money Happy Hour and David McKnight on The Power of Zero Podcasts. It was an honor to be interviewed about the very important topic of retirement strategies while also furthering the mission to change Dave Ramsey's mind. "Episode 40: Dave Ramsey's 8% Safe Withdrawal Rate, Isn't Safe!" - Money Happy Hour: https://www.buzzsprout.com/2176290/13975230-episode-40-dave-ramsey-s-8-safe-withdrawal-rate-isn-t-safe "The Caller on Dave Ramsey’s Viral 4% Rule Meltdown Speaks Out! (My Interview with Jay Disberger)" - The Power of Zero: https://youtu.be/cjYiM-asUc8?si=xrZAchKCC5qTixVN HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9 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

In honor of those who have served our country and to celebrate Veteran's Day, Jay reviews an article from US News titled: "6 Financial Military Benefits for Service Members and Veterans." Are all these benefits actually good? What else should you know about the types of financial products showcased in the article? Find out in Episode 47 of the HopeFilled Financial Podcast. Article Reviewed: https://money.usnews.com/money/personal-finance/family-finance/articles/financial-military-benefits-for-service-members-and-veterans Watch the full episode here: https://youtu.be/KXJyUgi_QGA Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD 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.

In today's story, Jay shares how he refinanced a condo in Utah. Did it save him money? Would refinancing save you money? How would you know? Jay shares his tips in this story. Watch the full episode here: https://youtu.be/KXJyUgi_QGA HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9 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

In today's story, Jay shares how he got a little emotionally attached to a grocery store in Utah. Have you ever become emotionally attached to a store or unexplainably loyal to a particular retailer? Watch the full episode here: https://youtu.be/Zj9ESDPeezU HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9 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

Do you know the mind tricks that grocery stores play on you to get you to spend more? Did you know that more than half of all grocery store purchases are unplanned? How are we ever supposed to hit our grocery budget?! If you know the right tactics and employ counter measures, you can BEAT THE SUPER STORE! In the main topic, Jay reacts to MatPat's Food Theory Episode "Food Theory: You've Been SCAMMED...and Never Knew It! (Supermarket Secrets)" https://youtu.be/EqviBPG2uPE?si=FgwQEJ-XNs7B33bF Jay shares additional tips to overcome the temptations of the grocery store and stick to your budget. Did we miss any grocery store hacks that you use? Do you have a favorite tip from today's episode? Watch the full episode here: https://youtu.be/Zj9ESDPeezU Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial). Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Are there financial products that scare you? Is personal finance scary? In Episode 45 of the HopeFilled Financial Podcast, Jay explains the difference between scary things and risky things. If something is risky and scary, you naturally avoid it for good reasons. When a financial opportunity is scary but not risky, are you missing out due to FEAR? Some common financial tools are genuinely risky, but they aren't scary! In those cases, pay extra close attention - these are the things that can GET YOU! If you want to know what financial products you should really be scared of, this is the episode for you! Watch the full episode here: https://youtu.be/LMdNXaMuKQw Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD 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.

The budget tip is to create a separate budget sinking fund for "more expensive" holidays. You know what your favorite holiday is. You know how the costs can add up fast. Why don't we break up the saving into manageable chunks throughout the year? Watch the full episode here: https://youtu.be/LMdNXaMuKQw Budget Tips Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrbd9llgjjsWFeckCxR-kvL4 Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

In today's story, Jay shares how he gave his boss a trick instead of a treat. A little prank turned out to be fruitful as it inspired today's episode. Watch the full episode here: https://youtu.be/LMdNXaMuKQw HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9 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

Remember when Jay said that the most frugal choice was to buy a new Apple laptop as soon as it came out (as opposed to a "cheaper" refurbished laptop)? Well, he had to eat his own words when his laptop unexpectedly quit on him. Jay was left shopping between a new M2 Pro, or a refurbished M2 Pro... You don't want to miss how several factors played into changing Jay's mind. Watch the full episode here: https://youtu.be/Xc1DlryFWsU Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD 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.