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PODCAST

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

education courses

All Episodes

36:09

The Controversial 4% Rule - George Kamel Gives 8%...

HopeFilled Financial Podcast ·

2024/01/16

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 your help to track down the source. The main topic shows how the "Risk

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24:18

How Frugality Solves Everything! - Ep. #55

HopeFilled Financial Podcast ·

2024/01/09

Ogres are like onions... are people like onions, too? Jay's story today explains how his dad's work with behavior analysis stuck with him as a kid. The lessons he overheard guide many of his beliefs today. This particular lesson can help you better understand yourself, your habits, and your values. In the Main Topic, Jay reviews his definition of frugality its opposite. Can frugality really solve everything? Frugality can be used as a core value or virtue to inform our financial habits and

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21:33

Failproof New Years Resolutions With SCIENCE! - Ep. #54

HopeFilled Financial Podcast ·

2024/01/02

Can science teach us how to set better financial goals or New Year's Resolutions? Veritasium's video "Why New Years Resolutions Fail & How To Succeed" can help us understand why new year's resolutions fail. It can also give us the science behind resolutions and goals that stick! Jay explains how these points can be used to make FAST (Frugal. Attainable. Specific. Trackable.) financial goals. Veritasium Video: https://youtu.be/Pm9CQn07OjU?si=VuOgUGd6ed6mn5qP In the Main Topic Jay works through a FAST

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20:54

Dave Ramsey Doubles Down? + 2023 Charity Spotlight -...

HopeFilled Financial Podcast ·

2023/12/26

After 5 weeks of absence from the Ramsey Show, Dave Ramsey returns and doubles down on his dangerous advice of withdrawing 8-10% of your nest egg each year in retirement. Jay isn't mad, he's just disappointed... Here is the link to the clip from the Ramsey Show on December 11th 2023: https://www.youtube.com/live/gu2unOUQuUE?si=O7oGWij0g1pzacm_ Episode 37 - Dave Ramsey Is WRONG! - Dave’s Advice Can Leave You BROKE!: https://youtu.be/qreKWpoRxCc Episode 48 - Dave Ramsey is WRONG AGAIN for 8%! Why I

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19:06

How to Merry Christmas Frugally - The Curious...

HopeFilled Financial Podcast ·

2023/12/19

Need some low to no-cost ideas for the Holidays? In episode 52 of the HopeFilled Financial Podcast Jay goes through a list of 100 Frugal Christmas Ideas from The Curious Frugal: https://www.thecuriousfrugal.com/frugal-christmas-ideas/ Is there anything else you would have mentioned? What was your favorite? Today's hilarious story comes from a few Christmases ago when Jay and Amanda gave her brother-in-law a 2.5 pound gummy worm!

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19:51

Top 5 Ways to Pay-Off Debt in December! - Ep. #51

HopeFilled Financial Podcast ·

2023/12/12

Are you working on getting out of debt? Does your December budget make you cringe? Are you tempted to put off money management until the new year? Episode 51 of the HopeFilled Financial Podcast brings you 5 tips for enjoying the Holidays without digging yourself deeper in debt. The story today is about how Jay gave his sister a meaningful gift of TIME when she was 7-years-old. We can give with time, talent, and treasure. Even if you aren't short on money (treasure), giving your time and talent can

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18:29

My Graduation Speech - A HopeFilled Challenge - Ep. #50

HopeFilled Financial Podcast ·

2023/12/05

Today's episode is for all the graduates - and anyone looking for an encouraging life challenge - never lose your story. Jay not only gave the graduation speech for his college of engineering, but he kicked things off by reading The Cat in the Hat by Dr. Seuss on a dare. This speech has lived for years in an obscure corner of youtube - until now. Jay was interviewed by Josh Jalinski on The Financial Quarterback radio show and podcast. Mr. Jalinski did his homework and asked about Jay's graduation

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30:26

Lost Ramsey Article and R:IQ Questions Answered! -...

HopeFilled Financial Podcast ·

2023/11/28

In Episode 49 of the HopeFilled Financial Podcast, using the Wayback Machine, we review the article that was taken down from Dave Ramsey's website after Jay's call in to the Ramsey Show on 11/2. Jay shares what he really liked about the article and the parts that contradict what Dave Ramsey has been saying about safe withdrawal rates for retirement. Jay also shows Dave Ramsey's R:IQ Tool from his website and asks you to contemplate whether the tool works the way it is supposed to or not. What do you

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42:25

Dave Ramsey Is WRONG AGAIN for 8%! Why I Called Dave...

HopeFilled Financial Podcast ·

2023/11/21

This is my reaction to the call I made to Dave Ramsey on November 2nd. It is also FULL context that lead up to the call - Including two more Dave 8% calls, George's FIRE, and the dead article. My call that broke X (Twitter) with over 4M Views is at the end. Stick around to the end if you haven't seen it yet. Even if you have, I hope you enjoy hearing my side of the story. In Episode #37, I said Dave Ramsey was WRONG about 8% being a safe withdrawal rate. What I know to be true of the 4% Rule (give

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37:26

BEST Financial Veteran Benefits Per US News - Are Any...

HopeFilled Financial Podcast ·

2023/11/14

In honor of those who have served our country and to celebrate Veteran's Day, Jay reviews an article from US News titled: "6 Financial Military Benefits for Service Members and Veterans." Are all these benefits actually good? What else should you know about the types of financial products showcased in the article? Find out in Episode 47 of the HopeFilled Financial Podcast. Article Reviewed:

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34:51

Food Theory Grocery Store Reaction - Beat the Super...

HopeFilled Financial Podcast ·

2023/11/07

Do you know the mind tricks that grocery stores play on you to get you to spend more? Did you know that more than half of all grocery store purchases are unplanned? How are we ever supposed to hit our grocery budget?! If you know the right tactics and employ counter measures, you can BEAT THE SUPER STORE! In today's story, Jay shares how he got a little emotionally attached to a grocery store in Utah. Have you ever become emotionally attached to a store or unexplainably loyal to a particular

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19:18

WATCH OUT for Risk That Isn’t Scary! Risky VS Scary...

HopeFilled Financial Podcast ·

2023/10/31

Are there financial products that scare you? Is personal finance scary? In Episode 45 of the HopeFilled Financial Podcast, Jay explains the difference between scary things and risky things. If something is risky and scary, you naturally avoid it for good reasons. When a financial opportunity is scary but not risky, are you missing out due to FEAR? Some common financial tools are genuinely risky, but they aren't scary! In those cases, pay extra close attention - these are the things that can GET YOU

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14:44

I was WRONG! New Laptop Setup Changed My Mind - Ep #44

HopeFilled Financial Podcast ·

2023/10/24

Remember when Jay said that the most frugal choice was to buy a new Apple laptop as soon as it came out (as opposed to a "cheaper" refurbished laptop)? Well, he had to eat his own words when his laptop unexpectedly quit on him. Jay was left shopping between a new M2 Pro, or a refurbished M2 Pro... You don't want to miss how several factors played into changing Jay's mind. Today's story is a recounting of how Jay's laptop died on him. He shares what all he tried to keep it alive, and what he learned

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23:43

STOP! Is F.I.R.E (Financial Independence Retire...

HopeFilled Financial Podcast ·

2023/10/17

Are you hoping to retire early? Before you make plans, STOP and review this FIRE safety information. Know how much you can safely take out without jeopardizing your future. Today's story is a reflection on a question made popular by the book Your Money or Your Life by Vicki Robin: "What would you do right now if you didn't have to work for money?" Jay answers this question for himself and prompts you to do the same. The budget tip is to track your net worth annually. If your net worth continues to

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20:06

New OR Refurbished MacBook? - Max Economy! - Ep #42

HopeFilled Financial Podcast ·

2023/10/10

Are you looking for the most frugal way to buy an Apple computer? in Episode 42 of the HopeFilled Financial Podcast, Jay goes over a cost analysis he did of buying new Apple computers vs refurbished Apple computers. There is a clear winner for the most frugal option, and the results will shock you! Today's story is about how Jay really wasn't frugal with his previous laptop purchase. Jay was motivated by a little discount and trying to have a better laptop than his father - and he spent through the

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20:40

How Much Should I Invest? Retirement 101 - Ep #41

HopeFilled Financial Podcast ·

2023/10/03

Do you ever wonder how much you should be investing into retirement? Do you know how much you will need when you actually retire? These questions and more will be answered in Episode 41 of the HopeFilled Financial Podcast! Today's story is about Jay and his brother Jordan and how they approached grades in college very differently! The budget tip is to track retirement early! You want to get to the point where you know your bases are covered and you are saving enough for your future. The listener

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30:01

How YOU Minimize Taxes! What Are RMDs? - Ep #39

HopeFilled Financial Podcast ·

2023/09/26

Do you know what RMDs are? Do you know how they will impact you in retirement? Have you thought about tax implications in retirement planning? All these questions will be addressed in this week's episode of the HopeFilled Financial Podcast. You don't want to miss this critical information! In the today's story, Jay shares the different strategies of eating/stashing your halloween candy. How might this relate to personal finance? Find out by listening all the way through! The budget tip of the day

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17:48

How Is ROTH Different From a Traditional Retirement...

HopeFilled Financial Podcast ·

2023/09/19

Do you have your retirement money in a ROTH or a Traditional retirement account? Which one is right for YOU? You can find a lot of information on ROTH vs Traditional throughout the internet, but this episode covers the topic with a concise depth unique to HopeFilled. Find out the pros and cons of each one in Episode 38 of the HopeFilled Financial Podcast. If you have always wondered which one you should have your retirement money in, this is the episode for you! In the today's story, Jay shares an

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37:21

How Dave Ramsey Is WRONG! - Dave’s Advice Can Leave...

HopeFilled Financial Podcast ·

2023/09/12

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

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42:22

How To Never Run Out of Money - Safe Withdrawal Rate...

HopeFilled Financial Podcast ·

2023/09/05

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

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95 results

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