HopeFilled Financial Podcast

Hosted by Jay Disberger

Education

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Episodes

105

Latest episode

May 2025

Language

EN-US

About the show

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.

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60 recent

May 13, 20256 min

2025 HopeFilled Financial Podcast Life Update

We hoped to have many episodes created already in 2025, but life had other plans! Jay explains the exciting news that has slowed our progress on the podcast. Please stay tuned for more HopeFilled Financial Podcasts, but please be patient as we navigate this new season of life. See you next year?! Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. Subscribe if you don't want to miss our return! 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.

December 31, 2024Episode 10316 min

You're Using Direct Deposit WRONG! | Why We Carry a Debit Card We Don't Use - Ep. #103

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 money? What did you do about it? Let us know in the comments. The main topic is inspired by a conversation with Chris White from Wichita, KS - a financial advisor who utilizes Currents to improve client savings rates. Chris inspired Jay to share the unique strategy that flips direct deposit convention on its head. This process is a simple on that you can implement to better your financial life on you own in 2025. Would restructuring your direct deposit help you with your money habits and savings rate? If you would like to meet Chris to discuss the process or Currents, here is his booking link: https://outlook.office.com/bookwithme/user/d498e83b34d846fdb2c8ea85ad48f1a8@sfcinc.net?anonymous&ep=pcard&isanonymous=true As we close out the year, we will also be taking a break from weekly HopeFilled Financial Podcast episodes. Our goal will be to program an amazing 2025 season for you and to get ahead on our recording. We will be back! Please follow us on Facebook and X to make sure you don't miss when we come back. https://www.facebook.com/hopefilledfinancial.com https://x.com/HopeFilledCoach 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.

December 24, 2024Episode 10216 min

Alton Brown Cuddled Me?! Living YOUR Financial Dream Through FootStep #8 - Ep. #102

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 Good Eats episodes in thr comments. The main topic describes HopeFilled Financial FootStep #8 - Live and Give the Dream! Jay wants you to have a vision for yourself at this step before you even start your HopeFilled Financial FootSteps. What is your goal, your dream, your passion, what you would do if money were no obstacle? How would you live and give? Share your goals in the comments to inspire other listeners. And Merry Christmas! 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.

December 17, 2024Episode 10132 min

What SECURE Act 2.0 Means for YOU (2025) | Education, Retirement, and MORE! - Ep. #101

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 Today's story describes one of the most painfully frustrating financial moves we have ever made. And it ALL could have been avoided if we had known about the changes to the Secure Act 2.0! What was the most frustrating financial move that you have made? The main topic goes over 6 broad categories of changes that the Secure Act 2.0 has caused in the financial world. These changes could be VERY important for your financial journey. 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.

December 10, 2024Episode 1009 min

Raising Givers: The Santa Secret for Kids - Ep. #100

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 into the spirit of giving as Santa, and you may not want your kids to hear this episode just yet. Please share the ways that you teach kids to give. We love seeing your 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.

December 3, 2024Episode 9927 min

10 Things You Should (Almost) NEVER Buy New | Unlock Frugal Savings Secrets! - Ep. #99

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://lifehacker.com/10-things-you-should-almost-always-buy-used-1850627371. What other items would you add to the list? 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.

November 26, 2024Episode 9823 min

SHOCKING Secret to Amazon Renewed | Unboxing iPhones forFrugal Buyers - Ep. #98

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 account planned obsolescence. We have a main story today instead which gives you all the details from Jay's 4 purchases of iPhones from Amazon Renewed. You will learn some very helpful tips if you ever want to buy a renewed phone from Amazon. Let us know what your experiences have been with Amazon Renewed 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.

November 19, 2024Episode 9713 min

Speed Costs You More Than You Think: The 5 MPH Fuel-Saving Secret - Ep. #97

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 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.

November 12, 2024Episode 9621 min

Shopping Smarter with 1950s Clicker Calculators – Why Stores Killed Them Off! - Ep. #96

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.

November 5, 2024Episode 9535 min

Dave Ramsey 8% Drama FULL Timeline 2024 - George is BACK on 4%! - Ep. #95

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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