HopeFilledFinancial

Have you ever wondered if assisting someone out financially is helpful or harmful? Can you spot the signs of financial enabling? Have you ever enabled someone financially? Have you ever been financially enabled? On Episode 31 of the HopeFilled Financial Podcast, Jay reacts to an article entitled "Are You a Financial Enabler?" from DebtWave (See link below). We would love to hear your comments on this topic! Article Reviewed: "Are You a Financial Enabler?" from Debt Wave: https://debtwave.org/quit-enabling-bad-financial-behaviors/ In the story today, Jay shares what happened when he invited his college friends over to play Monopoly and his young sister really wanted to make friends. There may or may not have been some cheating/enabling involved (even if it was only with Monopoly Money). The budget tip of the day is to make sure no one but you and your spouse are getting a vote in your budget. Your parents, kids, or others should not be dictating how you spend your money. Do you feel like you (and your spouse if you are married) get exclusive voting rights in your budget? Do you have family or friends who are imposing their vote onto your financial life? What is the difference between letting someone have a vote and just taking wise advice? The listener question asks how do you balance supporting your child while still teaching them how to be independent. There is a transition from being fully dependent to completely independent (if all goes well). How do you manage this transition without stepping into undue expectations and financial enabling? If you financially enable a child, friend, or family member, are you doing so to feed the relationship? Are you trying to buy friendship? Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

What is the most important number for your financial life? Find out in this main topic of the HopeFilled Financial Podcast! Jay will discuss the implications of debt that you may have never thought of. Will your future be secure with debt? This episode also revisits and concludes Jay's response to Rich Dad Poor Dad and Robert Kiyosaki's redefined assets/liabilities. In the end, is there such a thing as Rich Dad's good debt? Full Episode #10: https://rumble.com/v2mk9ds-episode-10-is-debt-stealing-your-future-the-most-important-number-for-your-.html Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD Don't forget to subscribe! Submit your questions to be answered on the podcast on our website: HopeFilledFinancial.com Disclaimer: This podcast serves only as educational entertainment - NOT investment advice. No statement made in part or in whole should be interpreted in any way as financial or investing advice. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Jay answers the question: "Can a 17-year-old set up a money market fund, and what is the wisest way for her to save money?" Let us know in the comments if you had a money market as a teen and if you have any tips for saving money as a teenager. Watch Full Episode #10 Here: https://rumble.com/v2mk9ds-episode-10-is-debt-stealing-your-future-the-most-important-number-for-your-.html Listener Question Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrY4lVz0Iqe4Qd2k8qipOUfO 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.

Everyone should have a miscellaneous category in their budget, but how do you know what should and should not fall under miscellaneous? Jay's budget tip covers just that. If you have a repeated somewhat predictable thing that you end up putting in miscellaneous, then it's probably time to break it free from miscellaneous and give it its own category. If you have done this in the past, what category was it? How did you know when something needed its own category? Watch Full Episode #10: https://rumble.com/v2mk9ds-episode-10-is-debt-stealing-your-future-the-most-important-number-for-your-.html 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.

Jay describes how in college he would say yes to so many things that he would laugh at how future Jay was going to handle all of the obligations! It got so bad that his health broke down and he shook his fist at past Jay for promising his future time away. Have you ever overcommitted? How did it turn out for you? How does this relate to finances? Watch Full Episode #10 Here: https://rumble.com/v2mk9ds-episode-10-is-debt-stealing-your-future-the-most-important-number-for-your-.html 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

How can payday loans destroy you financially? In today's episode you will learn how payday lenders can charge over 600% APR for your payday loans and what you can do to avoid the trap that is payday lending! In the story today, Jay shares how his bowling coach had to teach him how to relax - something he really had to do differently. How does this relate to finances? The budget tip of the day is to have a sinking fund for your taxes and not withold too much from your paycheck. This gives the government a loan from you with no interest! The listener question asks what to do when you are maxing out your retirement. Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Is "Rich Dad Poor Dad" WRONG?!? You do not want to miss Jay reacting to Robert Kiyosaki's Millennial Money videos. Fair warning, Jay gets pretty fired up on this one. Robert claims that there is such a thing as "Good Debt" that can be used to generate cash flow for you. If it puts money in your pocket, it is an asset. If it takes money without any cash flow potential, it is a liability according to Mr. Kiyosaki. This is arguably a misconstrued understanding of assets and liabilities. Is Rich Dad blind to risk? Is Robert's advice dangerous? Are spouses liabilities? Are parents liabilities? Are 401K accounts for losers? Is the stock market a joke? Is owning a home a rip-off and a liability? Can there really be good debt? Are you better off debt-free? Listen and find out! Original Videos: How Debt Can Generate Income: https://www.youtube.com/watch?v=dN5qHjnd_xk&t=37s How to Convert a Liability into an Asset: https://www.youtube.com/watch?v=A8vD_XO0vUU Full Episode #9: https://rumble.com/v2miy2o-episode-9-is-good-debt-actually-good-reacting-to-robert-kiyosakis-millennia.html Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD Don't forget to subscribe! Submit your questions to be answered on the podcast on our website: HopeFilledFinancial.com Disclaimer: This podcast serves only as educational entertainment - NOT investment advice. No statement made in part or in whole should be interpreted in any way as financial or investing advice. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Jay responds to a comment about how buying a used luxury car could actually save you on depreciation. In a past episode, Jay mentioned that a nearly new corvette would be more frugal than his dream car: a 1960s Aston Martin DB5! In response to this claim, you wanted to know if a 'depreciation proof' classic car could actually be more frugal in the long run even if it is many times more expensive up front. In this answer, Jay digs into the details, expenses, and trade-offs between the two options. Can an Aston Martin from 1960 really be more frugal, more affordable, than a 3 to 4 year old Corvette? Watch Full Episode #9 Here: https://rumble.com/v2miy2o-episode-9-is-good-debt-actually-good-reacting-to-robert-kiyosakis-millennia.html Listener Question Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrY4lVz0Iqe4Qd2k8qipOUfO 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.

Don't forget to budget for fun! All work and no play makes budgeting sad. Budgets are not about telling yourself no - they are about giving yourself permission to enjoy your life and your money. Sometimes, we have want's that don't fit our season of life. Budgeting is saying 'not yet' to those wants, and yes to the rest! By putting fun in your budget, you are letting yourself live some today while taking care of tomorrow. You are giving yourself the freedom and permission to freely spend without a bit of guilt! Do you agree? Watch Full Episode #9 Here: https://rumble.com/v2miy2o-episode-9-is-good-debt-actually-good-reacting-to-robert-kiyosakis-millennia.html 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.

Jay describes how making paper airplanes as a young boy helped him develop the skill of perseverance and the lesson of trade-offs. Some may argue that there is no best paper airplane design - there are only trade-offs between different designs. These trade-offs can mean that one plane is better in some ways, and worse in others. Jay used to test paper planes as a young boy. These tests not only embodied how he came to understand trade-offs, but personal finance as a whole! Watch Full Episode #9 Here: https://rumble.com/v2miy2o-episode-9-is-good-debt-actually-good-reacting-to-robert-kiyosakis-millennia.html 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

How can you stay within your food budget when grocery stores are so keen on getting you to spend impulsively? In America, 51% to 65% of grocery store purchases are unplanned and HopeFilled has observed that the food facet of budgeting is almost always the hardest one to keep in check. For today's main topic, Jay covers his Top 10 most powerful food and grocery tips that will make a game-changing difference in your budgeting life. If you follow even just the last 3 life hacks on this list, you will find your food spending almost always lands within or on budget! In the story today, Jay shares how he tried a dieting challenge shortly after graduating from college. This challenge lined up what to make each day with recipes and shopping lists to make the challenge as straight forward as possible. Here is the kicker: the challenge plan may or may not have expected you to eat left overs, and the amount of food in the plan was way more than one man could eat - especially when on a 'diet.' In this case, food is either wasted or waisted! Enjoy this story to find out what Jay learned about dieting and meal planning. The budget tip of the day is that the sum of your sinking funds should equal the balance of your savings account. This will help you become unabashedly frugal with your savings as well as help you reconcile your savings account every month. Saving your wants, needs, and long-term goals is never easier than when you have a healthy and reconcilable savings allocation plan. The listener question asks, "How can eating healthy and avoiding food sensitivities become compatible with living on a tighter food budget? What tips do you have for eating clean on a budget?" While a lot of this question can be answered through the main topic, there is one bit of food advice that Jay did not include in his top ten list that is perfect for trying to eat clean. On the whole, we hope you like Jay's answer! Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Jay interviews Connie Braun, a junior and senior high school FACS teacher of personal finance. If you want to know how to teach your teen about money, this is the episode for you! What is the best way to raise a future millionaire? Should children do extra chores to earn money? Should children have an allowance? What is the hardest part of personal finance to teach a child? Is there something about money you should teach your children first about money? Is there something you can do today to help your child become a financial wizard? Watch Full Episode #8 Here: https://rumble.com/v2mix58-how-to-raise-future-millionaires-do-your-teens-know-how-to-budget.html 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 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.

"How do you know if it is better to buy expensive vs. cheap stuff?" This is a great question, and one that could depend on a number of factors depending on the situation and the 'stuff' in question. Frugality (The Intentional Practice of Prudent Economy) pared with life cycle cost analysis can make for a solid place to start. Do you agree with Jay's answer? Do you have a question you would like answered? Leave it for us below in the comments! Watch the full episode here: https://rumble.com/v2mix58-how-to-raise-future-millionaires-do-your-teens-know-how-to-budget.html Listener Question Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrY4lVz0Iqe4Qd2k8qipOUfO 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.

Keeping your business and personal finances separated can save you a lot of headaches. For one, it is cleaner and easier to manage. Beyond that, taxes are easier to file when you keep separated business records. And that is just the beginning. What other reasons do you have to keep business and personal finances separated? Watch Full Episode #8 Here: https://rumble.com/v2mix58-how-to-raise-future-millionaires-do-your-teens-know-how-to-budget.html 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.

Jay describes how his father taught him that money and hard work are connected. If you want to raise children to be successful with money, you need to give them exposure to money and the opportunities to responsibly manage money. In the same vain, it is important to let children organically learn where money comes from. If a child is only ever given money, they may think money is a gift that they are entitled to receiving. If you give them opportunities to work and earn money, they will be more likely to work well for their livelihood as adults. Watch the Full Episode Here: https://rumble.com/v2mix58-how-to-raise-future-millionaires-do-your-teens-know-how-to-budget.html 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

Talking Of Business is a podcast hosted by Jordan Disberger and Russell Disberger - Jay's brother and Father. This podcast focuses on business, naturally, but frugality can be applied to business management and operations. Jay was invited onto this podcast to share his thoughts on frugality and business. How does frugality vary in business vs personal finance? The main topic covers the highlights from the collaboration to answer that very question. https://open.spotify.com/episode/3IulsDDQAvIFR5B3eFbVLx?si=3e2857b08c9f4334 In the story today, Jay shares how he made it through most of his college experience without a cell phone! Doesn't everyone and their dog need a cellular phone these days? Isn't a smart phone a need to be successful in life? Will today's story change your answers to these questions? Let us know in the comments below! The budget tip is to use cash for your groceries if you tend to overspend at the grocery store. This is often called the envelop system by Dave Ramsey's followers. The TikToc crowd calls this cash stuffing. No matter what you call it, using cash for groceries is one of the most powerful ways to keep your food spending in check. If you would like more food friendly budget tips, Subscribe! Next weeks episode will be about HopeFilled's top 10 food budget tips. The listener question explores how to not feel guilty for not giving more to charity when you are taking care of your financial goals. This is a good-hearted question, and one we must wrestle with as we become financially successful. Do you agree with Jay's answer to this question? Do you have another question you would like Jay to answer? Leave it in the comments below, and we may feature your question in a future episode! Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Jay interviews his wife, Amanda, to talk about how money has changed for them in marriage and how budgeting has been integral to their success so far. Marriage and Money is a topic of supreme importance. Do you have a money and marriage roll model in your life? Did you know that running a budget can increase your odds of a happy marriage to over 80%? Did you know that budgeting together can radically reduce your risks of money fights and money problems in the long run (when done well)? Even if you did, knowing the numbers is only one part that can lead to change. Hearing how it is done and actually life-changing from others is another. That is what this interview is here to be - your inspiration. Watch the full episode here: https://youtu.be/QeJcIK3c638 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 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

Dates can get expensive. Dating can be spontaneous. In married life, dates may be desired but can fall by the wayside when life gets busy. No matter your season in life, the solution to saving date night and your checkbook are the same: Make a category in your budget for dates! If you have a budget and you break out dates on their own, you can know how much you can put into your dating life every month without running out of money before the end of the month. You can also, buy assigning a budget to date night, keep dating your husband or wife an intentional and romantic priority. Watch the full episode here: https://youtu.be/QeJcIK3c638 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 this story, Jay dives into how he designed a one-of-a-kind engagement ring. An engagement ring, in Jay's mind, should be a beautiful and symbolic representation of your fiancé to be and your relationship. However, that does not mean the ring needs to break the bank. By utilizing wholesalers and a little research, Jay was able to design a ring that appraised for DOUBLE what he put into it. This story covers all of the sparkling details. Watch the full episode here: https://youtu.be/QeJcIK3c638 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! 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 America's top 10 hobbies? Can they be frugal? In this episode of the HopeFilled Financial Podcast, we take a look at America's top 10 hobbies (according to Statista) and see ask if they are helping us maximize our happiness and utility per dollar. Most popular hobbies & activities in the U.S. as of March 2023: https://www.statista.com/statistics/997050/most-popular-hobbies-and-activities-in-the-us/ In the story today, Jay shares the most expensive hobby he has ever had - bowling! How expensive do you think a proper bowling ball costs a competitive bowler? How expensive is the practice required to become a 200 average tournament competitor? The budget tip of the day is to make a line item for your hobbies so that you can see how much they are costing you, OR give yourself permission to spend what you want on your hobbies. Hobbies can become illusive if we don't call them out specifically in our budgets. Giving them a home and a name in our financial plan is a prudent step. Your wallet and Robbie health will thank you. The listener question asks if it is wrong to be wealthy. Jay's answer may surprise you. Do you think it is wrong to be wealthy? Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Jay reviews an article from Zions Bank titled "3 Ways Rising Interest Rates May Affect Your Personal Finances" (https://www.zionsbank.com/community/articles/2022/june/3-ways-rising-interest-rates-may-affect-finances/) This is an article that can help us understand the outside impact on our personal financial lives, but we need to remember that we are not victims of the economy. Our goal should be to look past the outside circumstances and find a way to thrive despite the ever-changing climate. There are considerations in this article that matter and others that just don't. Do you agree? Let us know in the comments below! Watch the full episode here: https://youtu.be/CIEMQtx7xZ4 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 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.

Jay reviews an article from Zions Bank titled "3 Ways Rising Interest Rates May Affect Your Personal Finances" (https://www.zionsbank.com/community/articles/2022/june/3-ways-rising-interest-rates-may-affect-finances/) This is an article that can help us understand the outside impact on our personal financial lives, but we need to remember that we are not victims of the economy. Our goal should be to look past the outside circumstances and find a way to thrive despite the ever-changing climate. There are considerations in this article that matter and others that just don't. Do you agree? Let us know in the comments below! Watch the full episode here: https://rumble.com/v2mg2jy-reacting-to-ways-rising-rates-are-impacting-your-money-is-the-bank-right.html 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 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.

Connie asks: "Do you have some sort of values quiz for couples and adults to determine their values and virtues?" In a past episode, Jay discussed how, through Engaged Encounter, he and Amanda had to reconcile their values and virtues to prepare for marriage. The exercise and understanding the difference between values and virtues was a pivotally impactful part of marriage preparation. As a result, Jay has integrated a version of the exercise (one that focuses on budgeting items) to help couples learn to budget and communicate about money. This exercise is available to HopeFilled Financial Coaching clients and participants in this workshop: "Your Marriage, God's Word, and Money" (https://www.hopefilledfinancial.com/workshops) How do you think understanding the differences between your values and virtues can help you or your marriage? Let us know in the comments below! Watch the full episode here: https://rumble.com/v2mg2jy-reacting-to-ways-rising-rates-are-impacting-your-money-is-the-bank-right.html Listener Question Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrY4lVz0Iqe4Qd2k8qipOUfO 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.

You can use last month's budget to help you draft this month's budget. Look to see where you overspent and where you underspent. Analyze why, and then make adjustments for this month. If you do not reconcile your budgets, you are effectively driving a car without any rearview mirrors. Additionally, every month is different. Using last months budget should not be a copy/paste of each line. What it should do is prompt you to think if this month will require more, less, or the same amount of spending compared to last month's needs. Do you think using last month's budget can save you time in budgeting for the next? Do you like to use last month's budget as a starting point that just needs tweaking? Let us know in the comments below! Watch the full episode here: https://rumble.com/v2mg2jy-reacting-to-ways-rising-rates-are-impacting-your-money-is-the-bank-right.html 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.

Jay tells the story of how college rigor forced him to let go of some of his perfectionism and helped him develop the skills to prioritize the mountain of tasks ahead of him so that the important things get done. Perfectionism within itself is not a bad thing, but we cannot let it stop us from reaching our fullest potential. Not everything can be perfect, and recognizing when an imperfect job is done well enough is a challenge all within itself. We hope you can take away some healthy lessons from today's story. Have you been wrestling with crippling levels of perfectionism? In what ways has perfectionism helped you in life? Let us know in the comments below! Watch the full episode here: https://rumble.com/v2mg2jy-reacting-to-ways-rising-rates-are-impacting-your-money-is-the-bank-right.html 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 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.