HopeFilled Financial Podcast
Jay Disberger from HopeFilled Financial Coaching covers a wide range of money-related topics to help you achieve your financial goals and improve your relationship with money. Each episode contains a story, budgeting tip, and a main topic. Jay's relatable stories and heart of a teacher will make it simple to understand your next step in your financial journey. Reach out at www.hopefilledfinancial.com to submit your questions, sign up for a free consultation, or begin your HopeFilled Financial journey.
Episodes
Jay explains a temporary delay in our regular podcast scheduling due to unforeseen family circumstances. Episode 75 will publish next week.
Jay also gives a teaser for Episode 75, 76, and 79.
We also want your feedback on a membership model for our podcast where you would get access to all the spreadsheets and resources from the show. Let us know what you think in the comments!
See you next week!
Please don't forget to like, share...
What is the Two Bucket Strategy? Does it protect your investments in retirement? Or does it not hold any water?
00:00 - Intro
00:40 - My Disagreement With The Money Guy
01:15 - My First Encounter with the Bucket Strategy - Financial Coach Master Training
11:40 - The Results of My Study on the Two Bucket Strategy
In today's story, Jay describes how he first came across the Two Bucket Strategy by listening to The Money Guy and by tak...
How much should you have in your emergency fund? And where should you keep the money?
00:00 - Intro
00:31 - My Summer Internship Emergency Story
14:31 - Your Emergency Fund for HopeFilled Financial FootStep #4
In today's story, Jay tells the wild story of how a summer internship took some very unfortunate turns. Despite all the bad luck, Jay could remain in good spirits because his emergency fund was there to catch him.
In the m...
How safe is the stock market?
00:00 - Intro
00:38 - A Story Beyond Fear Story - Ft. Will Smith
08:35 - How Risky is the Stock Market?
In today's story, Jay recalls how a Will Smith video that he had shared on Facebook in 2017 changed the trajectory of his life forever. If you haven't seen it, this is the clip where Will Smith talks about his skydiving adventure and the fear that proceeded the jump. Find out how just sharing this cl...
What are the top 3 things that Dave Ramsey gets right?
00:00 - Intro
00:33 - Foundations of Personal Finance Review
16:51 - Top 3 Things Dave Ramsey Gets Right
17:16 - #1 Staying Out of Consumer Debt
19:48 - #2 Behavior Over Math
21:54 - #3 Zero-Based Budgeting
In today's story, Jay shares what he learned in high school from Dave Ramsey's Foundations of Personal Finance curriculum. He also shares what he wishes he would have learne...
What does Monopoly have to do with Mutual Funds?
00:00 - Intro
00:39 - Monopoly Strategies Explained
11:20 - Turnover Ratio and Capital Gains Explained
In today's story, Jay shares his Monopoly strategies. He compares a property turnover strategy with a buy and hold strategy. Let us know what your best strategies are in the comments!
In the main topic, Jay explains why turnover ratios matter to YOU! Capital gains can cost you in ta...
What do you need to know to get out of debt?
00:00 - Intro
00:42 - Rob Berger's Debt Story Reaction
15:05 - Two Cents Debt Advice
In today's story, Jay reacts to Rob Berger's story of getting out of debt. What can you learn from his story?
Ed Jarecki EYB Collaboration: https://youtu.be/0KKDIwyKuMo?si=sP01CwqRFfRisvar
Video Link: Rob Berger: How to FINALLY Get Out of Debt | 7 Steps to Debt Freedom: https://youtu.be/1MDQ32T2_Bg?si=7...
Should you freeze your new child's credit? Learn more about this and the Top 5 financial steps you should take ASAP after having a baby. If you have or are expecting children, today's episode is a must-listen!
00:00 - Intro
00:47 - I Missed My Son's Birth
15:20 - Top 5 Financial Steps After Baby
15:31 - #0 Update Your W-4
17:09 - #1 Call Insurance
18:33 - #2 Attain SSN and Birth Certificate
21:36 - #3 Update Will and Beneficiaries
...Can gambling really become investing? Has anyone done it before?
00:00 - Intro
00:42 - How The Selbees Gamed the Lottery
07:49 - The Magical Coin Game
In today's story, Jay shares a story about a couple who gamed the lottery and made MILLIONS! Jay describes how the mathematical certainty of this particular game allowed this couple to use the lottery as an investment. Normally, playing any lottery game purely amounts to a gamble wit...
Do you really need life insurance? What factors impact your life insurance decisions?
00:00 - Intro
00:38 - Introducing Ben Krapu - Financial Advisor for Knights of Columbus
00:59 - Most Important Insurance Policies
02:20 - Is Life Insurance Essential For Everyone?
03:12 - Term vs Permanent Life Insurance
04:13 - Shopping Around - What to Look For?
07:26 - The Claim Process
10:36 - Is to Get Too Much Life Insurance Possible?
16:14 ...
Does a child need life insurance? What other insurances DON'T you need?
00:00 - Intro
00:57 - Gerber Life Grow-Up Plan Lawsuit! (Story)
17:46 - Top 10 Redundant Insurance Products (Main Topic)
17:54 - #1 Whole Life For Children
20:33 - #2 Accident
22:57 - #3 Accidental Death and Dismemberment
25:33 - #4 Mortgage Life
28:56 - #5 Hospital Indemnity
31:45 - #6 Cancer
34:20 - #7 Gap
37:03 - #8 Rental Car
38:42 - #9 Windshield Repair
4...
Why is Health Insurance so expensive!? Are there any alternatives?
00:00 - Intro
00:23 - My Switch to a Health Care Sharing Ministry
09:44 - What Are Health Care Sharing Ministries? - Investopedia
In today's story, Jay describes what prompted him to switch to a Health Care Sharing Ministry to defer his risk of the #1 reason for bankruptcy - medical bills. Jay's health insurance offered a very high premium for an outrageously astron...
What is your investment mindset? Do you the Decade Investor is right about having a long-term mindset? How can you shift mindset if you want it to change?
00:00 - Intro
00:44 - Welcome: The Decade Investor
00:52 - How Jay and Kolin Got Connected
02:12 - What is Unique About Kolin's Story
03:52 - How to Make Investing Spicy
06:20 - Next Steps For Kolin's Career
08:04 - What Motivates Kolin
09:58 - Kolin's Investing Philosophy
12:08 ...
Are you or someone you know expecting a baby? Are you overwhelmed by the expected costs? What do you REALLY need for a baby anyway?
00:00 - Intro
01:27 - Top 3 Ways We Frugally Prepared For A Baby
06:42 - What We Did For Baby #1 That We Don't Need For Baby #2
07:31 - An Expense We Paid For Baby #1 That We Don't Want To Pay Again
10:38 - Top 3 FREE Things Parents Can Do To Prepare
15:54 - What I Bough...
Have you ever wondered if Whole Life Insurance is right for you? What are the pros and cons? Is there anything wrong with term life insurance?
00:00 - Intro
01:00 - Rob Gills video reaction
05:44 - Joshua's Story video reaction
15:13 - Forbes Advisor Article review
27:44 - Money Guy video reaction
32:41 - Two Cents video reaction
35:17 - Consumer Reports article review
36:43 - White Coat Investor article review
40:30 - What I'm Doi...
You are getting out of debt, but something goes wrong. Dave Ramsey's Baby Step #1 is to save $1000 before paying off debt. Is this enough? The Money Guy FOO #1 is to save up your insurance detectable for starters. Is that too much?
00:00 - Roadmap/Intro
00:35 - My Engine Mount Fallout
07:22 - YOUR Starter Emergency Fund - HopeFilled Footstep #1
Today's story describes how 3 major unplanned financial "emergencies" popped up all at t...
Which financial plan is right for YOU? Baby Steps? Financial Order of Operations? HopeFilled Financial Footsteps? 7Eleven...
00:00 - Roadmap/Intro
00:52 - 7Eleven's Chilling Story
06:39 - Are Dave Ramsey's Baby Steps TOO Old?
15:00 - The Money Guy FOO Fighting!
23:48 - YOUR HopeFilled Financial Footsteps :)
Today's story highlights 7Eleven's humble beginnings and their accidentally genius business pivot. 7Eleven used to only sell o...
This episode is all about controversies. The last one is an 8% answer from Ramsey Solutions that will shock you!
00:00 - Roadmap/Intro
00:57 - Dress to Divide!
07:16 - Right Into the RISK ZONE
20:52 - George Kamel Claims MALICE!
Today's story is a throwback to THE dress of 2015. Was it blue/black or white/gold? This dress broke the internet with division. This isn't the only divisive dress. Jay has remembers another, but he needs y...
Popular Podcasts
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations.
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Every week comedian and infamous roaster Nikki Glaser provides a fun, fast-paced, and brutally honest look into current pop-culture and her own personal life.
Shootings are not unusual in Belize. Shootings of cops are. When a wealthy woman – part of one of the most powerful families in Belize – is found on a pier late at night, next to a body, it becomes the country’s biggest news story in a generation. New episodes every Monday!
A straightforward look at the day's top news in 20 minutes. Powered by ABC News. Hosted by Brad Mielke.