HopeFilledFinancial

Which budgeting method is right for you? In Episode 18 of the HopeFilled Financial Podcast Jay describes the top 5 types of budgets according to Finmasters.com. Jay dives into pros and cons of each type of budget and provides his insights into each budgeting method. These include the Zero-Based Budget, the Envelope System (AKA Cash Stuffing), the 50/30/20 Budgeting Method, the Pay Yourself First or 80/20 Budget, and Reverse Budgeting. Is it possible to mix and match methods? Are their any means of budgeting that you would like to see covered in a future episode? Watch Full Episode #18 Here: https://youtu.be/y-r_FRk3u3c Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD Article Reviewed: Budgeting Methods: 5 Types of Budgets Explained: https://finmasters.com/budgeting-methods/ Dale Carnegie Quote: https://www.azquotes.com/quote/48676?ref=wanting-more 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! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

The answer to our listener question is about budgeting for spontaneous bulk food purchases. How can budgeting work when you like to spontaneously buy food in bulk? Does buying food in bulk make budgeting impossible? Remember, your budget won't be a copy-paste from month to month, so don't try to squeeze into that mold. Watch Full Episode #18 Here: https://youtu.be/y-r_FRk3u3c 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 budget tip is to not force yourself to use a cookie cutter template budget. Make it your own. Make it work for you. You don't have to fit any certain mold in your budgeting! Let us know in the comments how your budget is different from most. Watch the Full Episode #18 Here: https://youtu.be/y-r_FRk3u3c 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

This story is a throwback to the old days of engineering and using simple line work to convey information. From hand drafting to BIM/REVIT modeling of modern day, there are not many mindsets and methods for architects, engineers, and consultants to design buildings. When it comes to budgeting and personal finance, there are also multiple mindsets and methods. There is more than one way to design a building, and every approach to budgeting is a little different. How is your budgeting unique to you? Watch the Full Episode #18 Here: https://youtu.be/y-r_FRk3u3c 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 episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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

Jay shares results from his Monte Carlo based study that prove Dave Ramsey WRONG! An 8% to 10% withdrawal rate will likely run your nest egg into the ground long before the end of retirement! Watch the full episodes to get all the details: Episode 37 - How Dave Ramsey Is WRONG! - Dave’s Advice Can Leave You BROKE! - https://youtu.be/qreKWpoRxCc Episode 36 - How To Never Run Out of Money - Safe Withdrawal Rate RESULTS: https://youtu.be/NDYPoIBeX0A If you missed Part 1: https://youtube.com/shorts/fyARotOnVSg?feature=share If you need help planning for your retirement, schedule a free consultation at our website: hopefilledfinancial.com

Jay gets really fired up about some very dangerous advice that Dave Ramsey has been spreading about safe withdrawal rates for years! This advice is so dangerous that at BEST you have a 50-50 chance of surviving retirement with money left in the bank. Check out Part 2 to see some of the results of Jay's Monte Carlo simulations that prove that this advice is so dangerous: https://youtube.com/shorts/qSQEUNq2YEc?feature=share Watch the full episodes to get all the details: Episode 37 - How Dave Ramsey Is WRONG! - Dave’s Advice Can Leave You BROKE! - https://youtu.be/qreKWpoRxCc Episode 36 - How To Never Run Out of Money - Safe Withdrawal Rate RESULTS: https://youtu.be/NDYPoIBeX0A If you need help planning for your retirement, schedule a free consultation at our website: hopefilledfinancial.com

Today's episode breaks tradition to get right to business - calling out Dave Ramsey's most dangerous advice that he has been giving on the radio for YEARS! Dave, if this video finds you, we hope you will listen to the results from the study we have conducted and our plea for you to stop giving the advice that 8% to 10% constitutes a safe withdrawal rate in retirement! Please watch our previous episode which reveals the results of our Monte Carlo simulations: Episode 36: https://youtu.be/NDYPoIBeX0A This previous episode covers the assumptions and the results in more depth. If you think Dave Ramsey needs to change this advice after watching either episode, please copy the link to this episode and share it in the comments on all of the Ramsey highlight clips below. The more our episode gets shared in the comments, the more likely it will be that Dave Ramsey hears our critique. We want this video to help Dave and his millions of followers. Dave Ramsey Clips: * https://www.youtube.com/watch?v=vQBWH7zfTXg&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR * https://www.youtube.com/watch?v=uggSmPDo-Zw&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR&index=3 * https://www.youtube.com/watch?v=hAhVEzRcUsI&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR&index=4 * https://www.youtube.com/watch?v=AKOxeGwvshY&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR&index=5 * https://www.youtube.com/watch?v=hPQu72-su4w&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR&index=6 Money Guys Clip: * https://www.youtube.com/watch?v=dTA8jed3Zis&list=PLawcN3n_GfELmBGKu-GDGZufesMbkSwqR&index=2 Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new 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.

Keeping a written budget can be the most important step between living paycheck-to-paycheck and living your HopeFilled financial dream! However, less than 20% of Americans keep written budgets. If you are looking for your driving 'Why' to start budgeting, look no further! These are our top 10 reasons why you need a budget! Which of these top 10 reasons is most motivating to you? If you are currently budgeting, what keeps you going? Please share your motivation with us. Your 'Why' may end up featured in a future episode! Watch the Full Episode #17 Here: https://youtu.be/GUu2RRQwjTM Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD Let us know what you think of this topic in the comments! Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com

Today's questions is: "How do I exercise self-control to stop buying things I don't need - especially things that are on sale!?" Do you have this problem, too? Let us know in the comments below. Watch the Full Episode #17 Here: https://youtu.be/GUu2RRQwjTM 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.

Today's Budget Tip is to have an accountability partner who can help you stick to your budget. For some the easy choice might be a significant other, but for others, choose someone who really can keep you on track. Watch the Full Episode #17 Here: https://youtu.be/GUu2RRQwjTM 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

Today's story is about a policy Jay had imposed in college to rewrite his notebooks for his classes. This seemed like busywork with so much more meaningful things to do! But later he realized just how important that little daily habit was. What are some other mundane habits that have big payoffs for you? Watch the Full Episode #17 Here: https://youtu.be/GUu2RRQwjTM 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 episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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

Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD Let us know what you think of this topic in the comments! Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com

Our Listener Question today stems from a previous episode that highlights savings rate as the number one indicator of financial success. Our listener asks what a Savings Rate is and how you calculate it. If you are curious about this number one indicator for success be sure to watch this clip and the full episode: https://youtu.be/OHN4mS2Y9HM Watch the Full Episode #16 Here: https://youtu.be/byiocGDfdmk 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.

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. 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? 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 living with dignity tomorrow? Are your needs today preventing you from saving enough in general? 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! 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.

If you are getting married and are planning a wedding, have a joint account that you can put your wedding budget money in and both spend out of. This is a great practice of working together with money before you are married, and it makes you both responsible for some of the responsibilities of wedding planning. What do you think of this tip? Leave us a comment below! Watch the Full Episode #16 Here: https://youtu.be/byiocGDfdmk 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

Planning a wedding involves a LOT of decisions. Those decisions are not all just up to you, either. There are a lot of voices that try to speak into wedding planning and it can all get overwhelming without a plan. Given that a wedding is an important occasion, it is prudent to have a written plan. Is the same true for your financial life? In this episode, Jay shares lessons learned from planning his wedding with Amanda. These lessons directly support budgeting - especially in marriage. Watch the Full Episode #16 Here: https://youtu.be/byiocGDfdmk 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 episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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

Thoughtful planning can be the difference that makes or breaks your goals. Without a plan, our actions may lack the structure we need to succeed in a timely manner. How important is it for you to make intentional plans for your life, for your dreams, and for your priorities? If something is a real priority to you, it merits a plan, right? In effect, your plans need to be a priority, too. Is there a type of plan that impacts all of your dreams and goals? What is the powerful priority??? Find out in today's main topic! Watch Full Episode #15 Here: https://youtu.be/cQYJFHQP2EU Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD Let us know what you think of this topic in the comments! Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com

If you are into potatoes, meal planning, and overthinking your restaurant orders, you will enjoy today's listener question from Brett! Watch Full Episode #15 Here: https://youtu.be/cQYJFHQP2EU 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.

Budget Tip #15 is to track your medical bills that you expect to receive and budget for them - even though it could be months before you actually get the bill. You don't want to forget about that big expense down the road when you could be saving for it now! Watch the Full Episode #15 Here: https://youtu.be/cQYJFHQP2EU Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD Let us know what you think of this topic in the comments! Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday! Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com

Thoughtful planning can be the difference that makes or breaks your goals. Without a plan, our actions may lack the structure we need to succeed in a timely manner. In today's story, Jay recalls how planning helped him write a 450+ page thesis! With this lesson in mind, how important is it for you to make intentional plans for your life, for your dreams, and for your priorities? If something is a real priority to you, it merits a plan, right? In effect, your plans need to be a priority, too. Is there a type of plan that impacts all of your dreams and goals? What is the powerful priority??? Find out in the full episode! Watch the Full Episode #15 Here: https://youtu.be/cQYJFHQP2EU 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 episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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? If not, how do you know you will have enough for what you'd like to do in retirement? Are you worried about running out? Do you want to leave money for future generations? Explore these questions and more in Episode 35 of the HopeFilled Financial Podcast! In the story today, Jay shares and article his dad found with a ridiculously low safe withdrawal rate of 1.9%! See what Jay has to say about safe withdrawal rates and the credibility of this article. The budget tip of the day is to ignore withholdings in your monthly budget to keep things simple. 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. 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.

Identity Theft: It's not a matter of 'if,' but 'when.' In this main topic you will hear tips on protecting your identity and personal anecdotes from a project engineer who experienced a DarkSide Ransomware attack first hand. If you value your identity, time, and money, this is a must-listen for you! Watch Full Episode #14 Here: https://youtu.be/fsyimqiioj4 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.

Today's listener question asks why health care in the USA is so expensive and what you can do to prepare for expensive unexpected medical bills. Watch Full Episode #14 Here: https://youtu.be/fsyimqiioj4 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.

Today's budget tip answers a common question with zero-based budgeting - "Does my checking account have to start and end at ZERO?!?!" The answer is NO! But it does have to start and end with the same number - a predetermined buffer that will live in your checking account to keep you from over drafting and act as a mini emergency fund. Listen to find out more! Watch Full Episode #14 Here: https://youtu.be/fsyimqiioj4 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's wife played a prank on him! Listen to how she got him! Watch Full Episode #14 Here: https://youtu.be/fsyimqiioj4 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