HopeFilled Financial Podcast

Do you carry a redundant card in your wallet? Why? And how might you change your direct deposit to help you manage money more frugally?

00:00 – Intro

00:36 – Why We Carry a Debit Card We Don't Use

05:57 – How to Hack Your Direct Deposit and Cash Flow

In the story today, Jay explains why he and his wife carry an extra debit card in their wallet that they never use. Have you ever been in a position where you couldn't access your mone...

What does the goal of your financial journey look like?? What would you do if you didn't need to work for money?

00:00 – Intro

00:39 – Alton Brown Cuddled Me On Stage!?

09:05 – HopeFilled FootStep #8 - Live and Give the Dream

In today's story Jay explains how he ended up being cuddled by Alton Brown on stage! What does this have to do with finance?? We promise there is a connection. Listen to find out. Also, share your favorite Goo...

Do you know what effects the Secure Act 2.0 will have on your financial planning? Find out in today's episode.

00:00 – Intro

00:53 – The Most FRUSTRATING Financial Move I've Made

08:30 – Changes from the Secure Act 2.0

10:15 – 1) Educational Investments

14:32 – 2) Retirement Contributions

18:06 – 3) Retirement Matching

20:40 – 4) Retirement Distributions

24:56 – 5) Other Miscellaneous Changes

27:55 – 6) Seldom Mentioned Changes

Tod...

How do you teach your kids to give?

00:00 – Intro

00:29 – Housekeeping Items

00:47 – Three Things to Do With Money

01:24 – How My Parents Taught Me to Give

02:43 – How I'm Teaching My Kids to Give

04:29 – The "Talk" About Santa (Spoiler Alert!)

07:14 – A Few More Announcements

Today's short episode covers how to inspire your children to give. Jay describes how he was taught as a kid and how he will teach his kids. He also dives int...

What kinds of things should you buy used?

00:00 – Intro

00:36 – How I Furnished My House for $1000

07:43 – 10 Things You Should Buy Used

Today's story describes how Jay planned well in order to buy living room furniture and a standing desk all in one trip for only $1000! What are some of your money saving tips?

The main topic is an article review from lifehacker.com titled "10 Things You Should Almost Always Buy Used." https://life...

Have you been curious to try buying an iPhone from Amazon Renewed? Jay's 4 purchases bring insight that will help you make a frugal choice.

00:00 – Intro

00:40 – Topic First: Price Comparing iPhones

09:38 – Main Story: How and Why I Bought 4 iPhones from Amazon Renewed

Today's main topic is a price comparison study between various ways to buy an iPhone to make the most frugal purchase. The study uses price per year and takes into a...

How does speeding hurt your budget?

00:00 – Intro

00:33 – How I Discovered the 5mph Fuel-Saving Secret

03:51 – My 5mph Fuel-Saving Secret

Today's Story shares how doing my brother a favor and his little mishap led to my discovery of a fuel economy hack.

In the Main Topic today, Jay explains how you can save up to 10% on your fuel economy by just driving 5mph slower. Catch some other money-saving driving tips, too!

Please don't forg...

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 tra...

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 ...

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 Way...

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 ...

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 pr...

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...

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 ...

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 withdraw...

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 ...

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 Questi...

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://...

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 b...