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  • Grocery stores used to actually care if you could afford what you were putting in your cart!

    00:00 – Intro

    00:31 – Why Grocery Clickers Fell Out of Fashion

    08:11 – Testing the Grocery Clicker in the Store

    Today's Story shares a bit of 1950s history that you may not know about - the grocery store clicker. Add-O-Matic, Handy Counter, and other brands were common-place calculators that people brought to the grocery store to keep track of their spending. Why do you think people stopped using them?

    In the Main Topic today, Jay and Amanda go to the grocery store to test out the grocery clicker and see if they could predict what the total of their grocery list would be - like the Price is Right! Do you think the grocery clicker would help you spend less at the grocery store?

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • It has been one year since I called Dave Ramsey and the financial community blew up over his 8% safe withdrawal rate. This is the FULL timeline leading up to the call and all the events that occurred after - Including George's reactions calling me malicious and some Ramsey videos that just make me... emotional.

    00:00 - Intro

    00:49 - February 2020 - Financial Coach Master Training

    01:28 - June 2020 - My Retirement Study Proved Dave Wrong

    02:03 - January 2023 - Started the Podcast

    02:44 - September 2023 - Released Retirement Study Episode 36: https://www.youtube.com/watch?v=NDYPoIBeX0A & Episode 37 Calling Out Dave Ramsey: https://youtu.be/qreKWpoRxCc

    04:38 - October 2023 - George Kamel's 4% FIRE Video: https://youtu.be/qreKWpoRxCc & https://web.archive.org/web/20230604002700/https://www.ramseysolutions.com/retirement/post-retirement-plan

    09:01 - November - 2023 - I Called the Ramsey Show: https://www.youtube.com/live/Xg4Z8EQY3Ao?si=eCI_NybmHlLM65RC&t=4429 & X Blows Up: https://x.com/mbontrager5/status/1722478848573329702 & I React to The Call: https://youtu.be/F4X1l2HfA2c & Money Happy Hour Ep 40: https://www.buzzsprout.com/2176290/episodes/13975230-episode-40-dave-ramsey-s-8-safe-withdrawal-rate-isn-t-safe & Power of Zero Interview: https://www.youtube.com/watch?v=cjYiM-asUc8 & Financial Quarterback Interview: https://www.youtube.com/watch?v=BDEmFYrKfGw & Full Context for The Call Ep 48: https://youtu.be/BugfOEGzG0Y

    15:09 - Late November 2023 - Broken RIQ Tool Ep 49: https://youtu.be/qESfErXkRJU

    16:23 - December 2023 - Lane Sebring Interview: https://www.youtube.com/watch?v=KpHtaVHDi84 & Ep 53 - Dave Doubles Down: https://www.youtube.com/watch?v=4JTg5L_0Q0g&feature=youtu.be

    17:43 - January 2024 - Dave Gives Me Hope: https://www.youtube.com/live/XnnsgvrwpI0?si=kufsAHy8B0YUsQlO&t=1253 & Ep 56 - Risk Zone: https://youtu.be/D4atC06a7zo & https://www.youtube.com/shorts/zh882yLz-Bg

    19:16 - February 2024 - Decade Investor Interview Ep 61: https://youtu.be/tZV-zE82eKU & https://www.youtube.com/watch?v=qx4swQLonl4&t=10s

    19:52 - April 2024 - Interview with Elevate Your Business - https://www.youtube.com/watch?v=0KKDIwyKuMo & Dave on Fox News: https://youtu.be/sHgrjppC2-0?si=SQAVPSVHxD9rZxWQ&t=13

    20:24 - June 2024 - Portfolio Waterfall Ep 80: https://youtu.be/oUZutkSxNxY

    21:41 - September 2024 - Josh Curtis Interview Ep 87: https://youtu.be/3Ql35LuHAp8 & George vs Caleb Ep 89: https://youtu.be/rmBG0uAelgQ & https://www.youtube.com/watch?v=g9muQTDJv4w

    29:19 - October 2024 - Updated Ramsey Retirement Article: https://www.ramseysolutions.com/retirement/can-you-retire-on-1-million?utm_medium=email&utm_source=newsletter&utm_term=investing_tax_bu&utm_campaign=investing-newsletter&utm_content=trusted-61359_rt-inv-ri-newsletter-10.15-retirement-million-how-to

    Call #1: “The Ramsey Show 9/14/2023” https://www.youtube.com/live/goI6GZggksw?si=9U7AzwabILizXk0k&t=2735

    Call #2: “Is $1,000,000 Still Enough To Retire?” https://youtu.be/BUl_dAPUBhM?si=cUBSybokG5qpXw2z&t=118

    The Article Dave took Down: "3 Ways to Make Your Post-Retirement Plan Last" - Dave Ramsey https://web.archive.org/web/20230604002700/https://www.ramseysolutions.com/retirement/post-retirement-plan

    George's FIRE Video: "Why Retiring At Age 35 Is A Bad Idea" https://youtu.be/ZUzaSPPejEo?si=KiiXvwed-7Ll6Wf8&t=285

    The Original Call on Dave Ramsey Live "You Can’t Win With Money if You Don’t Know Where Your Money Is | November 2, 2023": https://www.youtube.com/live/Xg4Z8EQY3Ao?si=eCI_NybmHlLM65RC&t=4429

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

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  • Does the cost of hosting Thanksgiving intimidate you? Here are some helpful tips to host Thanksgiving without breaking the bank.

    00:00 – Intro

    00:33 – Our Dishwasher Breaks EVERY Year!

    03:12 – 10 Ways to Save Money on Thanksgiving

    Today's Story laments the struggles of a dishwasher that breaks every Thanksgiving! Do you have similar stories? We would love to hear them!

    In the Main Topic today, Jay reviews an article titled, "10 Ways to Save Money on Thanksgiving" from Simply Holistic Wellness: https://www.simplyholisticwc.com/blog/budget-friendly-thanksgiving-ideas The article gives great ideas for saving money on Thanksgiving this year. What else might you have included?

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • Are you on the same page with your spouse about money?

    00:00 – Intro

    00:58 – Introducing Danny and Rachel

    08:19 – Financial Lives Before Marriage

    12:11 – How Marriage Has Changed Us

    14:37 – Best Way To Get On The Same Page

    16:40 – Three Habits to STAY on the Same Page

    20:06 – Getting Rid of the Mortgage

    31:05 – Hardest Financial Compromise

    33:20 – Difference Between a Money Fight and an Argument

    38:02 – Most Valuable Thing Learned From Spouse

    40:05 – Advice For Newlywed Selves

    Danny and Rachel share with us their money journey as individuals and as a couple. Their story is inspiring and full of hope. If you are looking to get on the same page as your spouse with money, this is a HopeFilled Financial Podcast if you've ever heard one!

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • Does it matter HOW you pay off your mortgage early as long as you do? Check out the pros and cons of two methods for paying off your mortgage early that might help you choose the one that is right for YOU.

    00:00 – Intro 00:52 – William and Patrick's Story

    06:47 – Two Ways to Pay Off Your Mortgage Early Today's Story goes through two examples of how you could obtain a mortgage - with and without a credit score. Jay highlights the pros and cons of each and leaves the decision up to YOU as to which is right for YOU.

    In the Main Topic today, Jay shares two ways to pay off your mortgage. This topic was inspired by a comment on one of our YouTube videos. Jay gives the math and facts behind the pros and cons of these two alternative ways to pay. Let us know what you think in the comments!

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • Have you heard about the Approved Card? Or Experian's Smart Money Debit Card? Learn why you should be skeptical.

    00:00 – Intro

    00:39 – Suze Orman's Approved Card Scam

    27:14– Travis Kelce Advertisement for Experian Smart Money Debit Card

    Today's Story is a review of the documentary "How Suze Orman SCAMMED the Working Class" https://www.youtube.com/watch?v=GkePKT-Y7IQ. If you don't know anything about Suze Orman's Approved Card, this may shock you!

    In the Main Topic today, Jay reacts to Travis Kelce's advertisements with Experian's Smart Money Debit Card. Be skeptical, all you listeners! Find out why in today's episode.

    Resources:

    https://www.myfico.com/credit-education/whats-in-your-credit-score

    https://finance.yahoo.com/news/suze-orman-approved-card-now-201500250.html

    https://www.youtube.com/watch?v=I7BO9PkirLk

    https://youtu.be/RHb63pZ39FY

    https://www.youtube.com/watch?v=l8uweNakihk

    https://www.experian.com/money/experian-smart-money/

    https://www.experian.com/help/boost-disclosure/

    https://www.experian.com/consumer-products/score-boost.html

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • Want to know more about mortgages and how to hack the system? Here are my Top 10 Tips!

    00:00 – Intro

    00:30 – My History with Mortgages

    08:31 – My Top Ten Tips For Mortgage Success

    09:43 – #1 Mortgage Size

    10:22 – #2 Get Rid of it Before Retirement

    11:59 – #3 Understand Your Down-Payment

    15:54 – #4 Credit Score

    17:33 – #5 Avoid ARMs

    18:59 – #6 Recoup Closing Costs

    19:52 – #7 Keep Equity as Equity

    21:03 – #8 Refinance When it Makes Sense

    25:51 – #9 Automate Extra Payments

    27:04 – #10 Don't Go Backwards

    Today's Story is about Jay's experiences with mortgages and what he has learned along the way - including how Dave Ramsey's advice didn't quite work for him. Let us know what your experiences have been with mortgages in the comments.

    The Main Topic goes over Jay's Top 10 Tips for Mortgage Success. If you ever plan on having a mortgage you need to know these tips. If you have a tip we should have added, please leave us a comment!

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • When Jay saw this video with Caleb Hammer and George Kamel he got REALLY fired up!

    00:00 – Intro

    00:33 – Background for the Video

    01:24 – Agree or Disagree 04:42 – Caleb Hammer's Best Line

    07:00 – Purpose Behind the Math

    12:10 – Absolute Denial

    14:11 – Responding to Denial

    16:32 – I'm Talking to You, George

    Jay reacts to a recent video from Ramsey Solutions with George Kamel and Caleb Hammer agreeing to disagree about safe withdrawal rates. https://youtu.be/6HVtq2tYTkY?si=U3B_Ulnp4JI88ThB Hear what Jay would have said if he had the opportunity to debate with George Kamel. What would you have said? Let us know in the comments below.

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • Why make extra payments to pay off your mortgage early? What would you do with financial freedom?

    00:00 – Intro

    00:36 – My Toddler's Degrees of Freedom

    07:12 – HopeFilled Financial FootStep #7 - Pay Off Your Mortgage

    In the story today, Jay shares some adorable stories about his toddlers growing independence and our human nature to desire freedom. What would it look like to have freedom with your finances? What are your stories of freedom?

    The main topic explains HopeFilled Financial FootStep #7 - Pay Off Your Mortgage. Jay explains 3 facets of paying off your mortgage and the arguments made on both sides of the issue. Do you plan to pay off your mortgage early? If so, why?

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • What is the Portfolio Waterfall? Can this method get you more in retirement?

    00:00 – Intro

    00:35 – Why We Connected

    01:47 – Interview Overview

    02:10 – For All the Skeptics

    04:35 – Focus of Retirement

    08:00 – What Inspired the Portfolio Waterfall

    13:09 – The Most Important Defining Factor of The Portfolio Waterfall 1

    5:13 – Biggest Hurdle

    17:13 – Technical Questions

    17:32 – Technical Questions: Expense Ratio

    21:01 – Technical Questions: Dividends

    26:44 – Technical Questions: Fund Selection

    30:04 – Personal Questions

    Today we interview Josh Curtis - creator of the Portfolio Waterfall retirement distribution method. His insights to this method and the background for how it all happened may surprise you. Josh Curtis's personal integrity and professionalism are truly refreshing. You can learn more on his website: https://portfoliowaterfall.com/

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • What home improvement projects will bring you the most equity for your home? What are buyers in 2024 looking for in their home purchases?

    00:00 – Intro

    00:29 – My HVAC Story

    02:54 – Top 25 ROI-Boosting Home Improvements

    In the story today, Jay shares how his HVAC unit needed to be replaced and what he did to maximize efficiency and frugality. Check out our previous video about maximizing efficiency with your utility bills: https://youtu.be/Es2zJ2Al8Bs

    The main topic reviews an article from HomeLight.com titled, "What Upgrades Increase Home Value? 25 High-ROI Improvements Buyers Love" - https://www.homelight.com/blog/what-upgrades-increase-home-value/ Jay shares his thoughts on these home improvement projects and gives extra tips to boost your return on investment. What other tips do you have? Let us know in the comments!

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • Can you graduate college debt-free? Here are my top 10 tips for doing just that!

    00:00 – Intro

    00:44 – My College Success Story

    07:04 – Top Ten Tips to Graduate Debt-Free

    In the story today, Jay shares what he did to make it through 6 years of university without any student loans - and no, his parents didn't pay for it!

    The main topic is Jay’s top 10 tips to graduate debt-free. Be sure to listen to all of them. The last one might be the most important! ;) Let us know in the comments what other tips you would have included.

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • You want to do everything you can to give your child(ren) the best start in life – so how do you protect and support their financial future? What are the top 10 things you can do?

    00:00 – Intro

    00:22 – Protecting My Sons

    03:47 – Top Ten Tips For Protecting Your Child’s Financial Future

    In the story today, Jay shares how he feels trying to be the best dad he can and how heartbroken he gets when a child is hurt or suffering. What would you do for your child to protect them?

    The main topic is Jay’s top 10 tips for protecting your child’s financial future. What other ways can you secure the future of your child’s finances?

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new full episode every Tuesday!

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/b... or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • -How can you set up your child for financial success? What nuances do you need to know about ESAs and 529s?

    00:00 - Intro

    00:39 - My Lego Robotics Kit

    09:24 - HopeFilled Financial FootStep #6 - 401Kid

    In today's story Jay shares how he earned his Lego Robotics Kit when he was a kid and how he saved it to build with his children. The lessons he learned about money are ones he'd like to pass on. He also shares from an NPR: https://www.npr.org/2021/07/27/1021262899/finance-money-tips-kids-families-conversations

    The main topic is HopeFilled Financial FootStep #6 - 401Kid. Should you do an ESA, UTMA, 529, or something else? What are the implications of each? Find out more in these articles:

    -https://fairmark.com/kids-and-college/utma/what-expenditures-are-proper/

    -https://www.thrivent.com/insights/retirement-planning/the-secure-act-2-0-allows-a-529-plan-rollover-to-a-roth-ira

    -https://www.savingforcollege.com/intro-to-529s/which-is-the-best-529-plan-available

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • Do you need a financial advisor? What value do they provide? At what cost?

    00:00 - Intro

    00:44 - Do I Go to the Mechanic?

    05:13 - How Much Do Financial Advisors Cost?

    In today's story Jay shares why sometimes it is a good idea to take your car to the mechanic instead of trying to do it yourself. This relates to the main topic about hiring a financial advisor.

    The main topic is about advisor fees and when you should hire a financial advisor and when you shouldn't'. Jay reacts to a clip from The Money Guy's video: https://www.youtube.com/watch?v=f0NhPnQ2xW0, Jazz Wealth: https://www.youtube.com/watch?v=shZIXjO2NBQ, and MarketWatch: https://www.marketwatch.com/picks/are-you-still-paying-1-to-your-financial-adviser-heres-what-might-make-a-lot-more-sense-and-save-you-tens-of-thousands-of-dollars-01659470645

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • How can you lower your high utility bills?

    00:00 - Intro

    00:39 - Utility Bill Shock!

    05:29 - My Top 3 Utility Savings Tips

    In today's story Jay recalls what it was like moving from a condo to a house and the sticker shock that came from the utility bills!

    The main topic is Jay's Top 3 Utility Savings Tips to keep your bills low and your savings up! Let us know in the comments if you have any other good utility savings tips!

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • What is the Portfolio Waterfall? With it, can you really get a SAFE 6% withdrawal rate in retirement? Is the 4% rule dead in light of this new, revolutionary, strategy?

    00:00 - Intro

    00:39 - Brainstorming with Bears, Honey, and Helicopters

    06:12 - Portfolio Waterfall Explained

    13:21 - Results of My Portfolio Waterfall Study - (20 years)

    15:07 - What's the Tradeoff??

    17:17 - 30 Year Results

    18:15 - 40 Year Results

    18:55 - 50 Year Results

    19:27 - Characterizing the Portfolio Waterfall

    20:15 - 60 Year Results

    21:03 - Ending Nest Egg Value Tradeoff Abated!

    21:37 - My Thoughts on These Results

    22:13 - Assumptions for My Proof of Concept Model

    23:01 - Historical Data

    27:40 - Simulated Data

    35:41 - Portfolio Waterfall Website - https://portfoliowaterfall.com/

    36:27 - Closing Thoughts

    Today's episode covers a very new and revolutionary topic that applies some NEW ideas. For this reason, in today's story, Jay shares a how some seemingly silly brainstorming resulted in a real solution to power outages in Alaska. This story involves bears, honey, and helicopters. The lesson here in is how real solutions and progress can benefit from open-minded efforts to think critically even when an idea seems pretty out there.

    The main topic explains a revolutionary new retirement distribution strategy - the Portfolio Waterfall! This is the brain child of the financial adviser, Josh Curtis. These results are ASTOUNDING! Can this strategy actually DOUBLE your income in retirement? Is the 4% rule history? Be sure to listen all the way through to fully understand the assumptions of this model. The simulated results required a new method of modeling fully unique to our work here at HopeFilled Financial Coaching. We welcome your comments and questions on this topic. We are sincerely excited to share this exciting strategy with you.

    For more background on this strategy check out these videos:

    Mutual Funds Uncovered: https://youtu.be/TJGnWQMMtAA New Retirement Study: https://youtu.be/I8TFUMUnG3E How to Never Run Out of Money: https://youtu.be/NDYPoIBeX0A Kicking the Bucket Retirement Strategy: https://youtu.be/JDfOsfrIhFs Viral 8% Dave Ramsey Call Episode: https://www.youtube.com/watch?v=BugfOEGzG0Y

    Note: I mentioned in this episode that the latest study I completed for comparison is from January. This study and the above episode on it were published in March of this year even though the work on the model started in January.

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • Do you REALLY need to understand how a mutual fund works? The implications may be huge!

    00:00 - Intro

    00:40 - My Internship Turned Industrial and Saved the Company $500,000!

    07:48 - Why Understanding Mutual Funds is So important

    In today's story Jay recalls his first internship and how he solved a systems and processes problem that saved the company half a million dollars on their bottom line!

    The main topic explains how mutual funds and ETFs work. These intricacies may seem trivial, but they can make all the difference when it comes to your financial future!

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • Episodes 79 and 80 are going to be very important episodes that might very well change how many of you plan for retirement and may cause quite a stir! BUT these episodes will be delayed to make sure we get you the best information possible for these exciting episodes.

    Keep your eyes peeled for Episode 79 in a few weeks! We are so excited to share with you what we have found. Subscribe so you don't miss when the episode publishes.

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

  • How can you secure your financial future now?

    00:00 - Intro

    00:39 - There's a LOT Going On Right Now

    09:24 - HopeFilled FootStep #5 - Saving For Retirement

    In today's story Jay shares some of the projects he has going on right now - namely his local finance workshops. Find more information and sigh up here: https://campscui.active.com/orgs/ParkHillCommunityEducation?&e4q=6367f21f-72a6-4a96-b11e-e80487ad12e3&e4p=668978d9-9d9e-4269-a9f0-f3935793ba4b&e4ts=1719178233&e4c=active&e4e=snlvcmpscui00001load&e4rt=Safetynet&e4h=83351ebb484d443ff9f0e87d5e001d95#/selectSessions/3477839

    The main topic outlines HopeFilled Financial FootStep #5 - Saving for Retirement. What do you need to be thinking about as you save for retirement? What are your retirement goals?

    Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial).

    Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own.

    Our Website: HopeFilledFinancial.com

    Music: "Take Me Higher" by Jahzzar

    Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.