HopeFilledFinancial

Do you know what RMDs are? Do you know how they will impact you in retirement? Have you thought about tax implications in retirement planning? All these questions will be addressed in this week's episode of the HopeFilled Financial Podcast. You don't want to miss this critical information! Watch the full episode here: https://youtu.be/_H0LXR35Q6w 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.

Our listener question asks if you can make more money skipping going to college. Jay gives a detailed analysis of the potential paths one might take after high school and how that will affect your overall earning power and nest egg building. Watch the Full Episode #39 Here: https://youtu.be/_H0LXR35Q6w 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

Are you working on getting out of debt? Does your December budget make you cringe? Are you tempted to put off money management until the new year? Episode 51 of the HopeFilled Financial Podcast brings you 5 tips for enjoying the Holidays without digging yourself deeper in debt. The story today is about how Jay gave his sister a meaningful gift of TIME when she was 7-years-old. We can give with time, talent, and treasure. Even if you aren't short on money (treasure), giving your time and talent can be more meaningful than an expensive gift. This gift of time is the only one Jay remembers from that Christmas, and there is a good reason for it. Can we use that as inspiration in our own gift giving this year? How have you gone about gift giving when money was tight? How can we make this holiday season extra memorable without breaking the bank? Let us know in the comments below! Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

The budget tip of the day gives you a starting point to estimate how much you might spend on groceries each month. If you aren't sure where to start, this is the budget tip for you. Watch the full episode here: https://youtu.be/_H0LXR35Q6w 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 the today's story, Jay shares the different strategies of eating/stashing your halloween candy. How might this relate to personal finance? Find out by listening all the way through! Watch the full episode here: https://youtu.be/_H0LXR35Q6w 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 have your retirement money in a ROTH or a Traditional retirement account? Which one is right for YOU? You can find a lot of information on ROTH vs Traditional throughout the internet, but this episode covers the topic with a concise depth unique to HopeFilled. Find out the pros and cons of each one in Episode 38 of the HopeFilled Financial Podcast. If you have always wondered which one you should have your retirement money in, this is the episode for you! Watch the full episode here: https://youtu.be/vle1hWOoo4s 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.

Our listener question asks what to do when your employer cancels your pension! This can feel like a heavy topic, but it is a reality for many. Do you understand how to run the numbers to compare your options? Do you know the difference between a terminated pension vs a frozen pension plan? Watch the Full Episode #38 Here: https://youtu.be/vle1hWOoo4s 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

The budget tip of the day is to make your savings goals F.A.S.T! Frugal, Achievable, Specific, and Trackable! Are your savings goals F.A.S.T? Watch the full episode here: https://youtu.be/vle1hWOoo4s 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 the today's story, Jay shares an idea for teaching toddlers delayed gratification - will it work? How can you delay gratification in order to build your retirement savings? Is delayed gratification something you were explicitly taught? Let use know in the comments! Watch the full episode here: https://youtu.be/vle1hWOoo4s 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

Today's episode is for all the graduates - and anyone looking for an encouraging life challenge - never lose your story. Jay not only gave the graduation speech for his college of engineering, but he kicked things off by reading The Cat in the Hat by Dr. Seuss on a dare. This speech has lived for years in an obscure corner of youtube - until now. Jay was interviewed by Josh Jalinski on The Financial Quarterback radio show and podcast. Mr. Jalinski did his homework and asked about Jay's graduation speech on the air. For this reason, today's episode features this speech to help fill in a little more of Jay's background while providing some HopeFilled inspiration. Jay's Interview on The Financial Quarterback: https://www.youtube.com/watch?v=BDEmFYrKfGw Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Do you know what percent of your nest egg is safe to pull out during retirement? What have you heard about safe withdrawal rates? Jay shares his own personal research results from his Monte Carlo based study with various withdrawal percentages and portfolio mixes. Beyond just covering updated fixed safe withdrawal rates? Jay dives into financial guardrails and strategies that can help you reduce your exposure to risk in retirement. If you understand your retirement strategy, you can life without ever running out of money. Watch the full episode here: https://youtu.be/NDYPoIBeX0A 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.

Our listener question asks how you can afford housing these days!? Jay gives some very practical advice - even if it may not be the advice you want to hear! Watch the Full Episode #36 Here: https://youtu.be/NDYPoIBeX0A 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

The budget tip of the day is to save for retirement over spending in your "lifestyle" categories living in your budget. It's natural to want that subscription now, but should entertainment today be prioritized over living with dignity tomorrow? Are your needs today preventing you from saving enough in general? Watch the full episode here: https://youtu.be/NDYPoIBeX0A 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 the today's story, Jay shares how he learned how to use Microsoft Excel from a FREE program at the library. This skill has proved very valuable in many aspects of his life. What free resources do you have available for learning new valuable skills? Watch the full episode here: https://youtu.be/NDYPoIBeX0A 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 have goals for your retirement money? We all have goals, but our core desires for retirement can have a BIG impact on how we treat our money in retirement. Our goals can change how we take distributions and how we keep the nest egg invested. Ask yourself this: How much money will be enough for your retirement? Are you worried about running out of money? Do you want to leave money for future generations? Do you want to maximize your retirement spending? Are you tolerant of risk? Explore these questions and more in Episode 35 of the HopeFilled Financial Podcast! Watch the full episode here: https://youtu.be/6bez8UUagbQ 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.

Our listener question asks how you can be financially comfortable if you drop out of high school. Jay shares some very interesting statistics and practical ways to ensure your financial future. The data here will blow your mind if you are thinking college is a thing of the past! Watch the Full Episode #35 Here: https://youtu.be/6bez8UUagbQ 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

In Episode 49 of the HopeFilled Financial Podcast, using the Wayback Machine, we review the article that was taken down from Dave Ramsey's website after Jay's call in to the Ramsey Show on 11/2. Jay shares what he really liked about the article and the parts that contradict what Dave Ramsey has been saying about safe withdrawal rates for retirement. Jay also shows Dave Ramsey's R:IQ Tool from his website and asks you to contemplate whether the tool works the way it is supposed to or not. What do you think? Is it broken? Or is Jay missing something? Dave Ramsey's R:IQ Tool: https://www.ramseysolutions.com/retirement/riq Dave Ramsey's Retirement Calculator: https://www.ramseysolutions.com/retirement/retirement-calculator?snid=free-tools.retirement.retirement-calculator Jay is grateful for the interviews he had with Tom the Savings Captain at the Money Happy Hour and David McKnight at The Power of Zero Podcasts. It was an honor to be interviewed and to speak with such incredible individuals. See links below. "Episode 40: Dave Ramsey's 8% Safe Withdrawal Rate, Isn't Safe!" - Money Happy Hour - https://www.buzzsprout.com/2176290/13975230-episode-40-dave-ramsey-s-8-safe-withdrawal-rate-isn-t-safe "The Caller on Dave Ramsey’s Viral 4% Rule Meltdown Speaks Out! (My Interview with Jay Disberger)" - The Power of Zero - https://youtu.be/cjYiM-asUc8?si=xrZAchKCC5qTixVN Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

The budget tip of the day is to ignore withholdings in your monthly budget to keep things simple. If you make a budget too complicated, you may not stick to it. What makes sticking to a budget easier for you? Watch the full episode here: https://youtu.be/6bez8UUagbQ 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 the story today, Jay shares and article his father found with a ridiculously low safe withdrawal rate of 1.9%! See what Jay has to say about safe withdrawal rates and if he thinks this article has two legs to stand on. Watch the full episode here: https://youtu.be/6bez8UUagbQ 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

Have you ever heard this: "If you just give up your daily Starbucks or coffee, you could become a millionaire"? In other words: "Your coffee habit is costing you your financial future!" Well, Jay isn't too sold on this overused "financial tip." The coffee example misses the mark in a big way! This is despite the likes of Suze Orman, Dave Ramsey, Graham Stephan, and Kevin O'Leary all preaching this example to teach opportunity cost. We need to consider opportunity cost in a productive way to reconcile example with real life. How can we do this? Jay is going to tell you all about it in Episode 34 of the HopeFilled Financial Podcast. Videos Reviewed: 1) Suze Orman on CNBC: https://www.youtube.com/watch?v=z5pW7bFcVN4 2) How Money Works Clip: https://www.youtube.com/watch?v=sONZNcqiofQ Watch the full episode here: https://youtu.be/bg923FIO68A 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.

Our listener question asks how you should pick your first car. You don't want to miss Jay's favorite resource for researching used cars: CarComplaints.com. In Jay's answer, he will go through the fundamentals of picking out your first car and how to use CarComplaints.com. If you are looking for a car, this answer can change your financial future for the better! Watch the Full Episode #34 Here: https://youtu.be/bg923FIO68A 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

The budget tip of the day is to get a month ahead if you have variable income. Getting a month ahead on your income can be helpful to break the paycheck-to-paycheck cycle, but it is even more freeing when you have variable income. This can make budgeting much more practical for you. Listen to find out how! Watch the full episode here: https://youtu.be/bg923FIO68A 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.

Today's story is a little sentimental. Jay explains how he saved up to buy a Buzz Lightyear costume as a little boy. Jay's parents tired to turn this desire into a financial life lesson that has stuck with Jay for over two decades. What lesson did Jay's parents make? Listen to find out! Watch the full episode here: https://youtu.be/bg923FIO68A 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 is my reaction to the call I made to Dave Ramsey on November 2nd. It is also FULL context that lead up to the call - Including two more Dave 8% calls, George's FIRE, and the dead article. My call that broke X (Twitter) with over 4M Views is at the end. Stick around to the end if you haven't seen it yet. Even if you have, I hope you enjoy hearing my side of the story. In Episode #37, I said Dave Ramsey was WRONG about 8% being a safe withdrawal rate. What I know to be true of the 4% Rule (give or take a percent) has me bound and determined to change Dave Ramsey's mind. Call #1: “The Ramsey Show 9/14/2023” https://www.youtube.com/live/goI6GZggksw?si=9U7AzwabILizXk0k&t=2735 Call #2: “Is $1,000,000 Still Enough To Retire?” https://youtu.be/BUl_dAPUBhM?si=cUBSybokG5qpXw2z&t=118 The Article Dave took Down: "3 Ways to Make Your Post-Retirement Plan Last" - Dave Ramsey https://web.archive.org/web/20230604002700/https://www.ramseysolutions.com/retirement/post-retirement-plan George's FIRE Video: "Why Retiring At Age 35 Is A Bad Idea" https://youtu.be/ZUzaSPPejEo?si=KiiXvwed-7Ll6Wf8&t=285 The Original Call on Dave Ramsey Live "You Can’t Win With Money if You Don’t Know Where Your Money Is | November 2, 2023": https://www.youtube.com/live/Xg4Z8EQY3Ao?si=eCI_NybmHlLM65RC&t=4429 Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

What does Bluey have to do with money?! Isn't Bluey just a cute show for little kids? Watch just one episode of this show, and you will learn that the stories and lessons in Bluey can hit you right in the feels! In episode 33 of the HopeFilled Financial Podcast, Jay will share how lessons from the Bluey episode, Mr. Monkeyjocks, can be applied to your financial life. Bluey, directly or indirectly, covers financial boundaries for our wants, needs, and relationships. If this interests you, or if you just like Bluey, this episode of the podcast is for you! Video Reviewed: "Mr. Monkeyjocks" episode of Bluey: https://www.bluey.tv/ Watch the full episode here: https://youtu.be/29ScYYD9wmg 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.