HopeFilled Financial Coaching

HopeFilled Financial Podcast : Top 10 Unneeded Insurance Policies - Ge**er Gone Bad? - Ep. #64

HopeFilled Financial Podcast: Top 10 Unneeded Insurance Policies - Ge**er Gone Bad? - Ep. #64 Does a child need life insurance? What other insurances DON'T you need? 00:00 - Intro 00:57 - Ge**er 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....

HopeFilled Financial Podcast : Are Health Care Sharing Ministries Worth It? - Investopedia Article - Ep. #63

HopeFilled Financial Podcast: Are Health Care Sharing Ministries Worth It? - Investopedia Article - Ep. #63 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....

HopeFilled Financial Podcast : Take Control of YOUR Money! - HopeFilled FootStep #2 - Ep. #62

HopeFilled Financial Podcast: Take Control of YOUR Money! - HopeFilled FootStep #2 - Ep. #62 Are you in control of your money, or does your money control you?? Find out how to TAKE CONTROL in this episode about HopeFilled Financial FootStep #2.   00:00 - Intro 00:36 - How Good Strategies Helped Me (Story) 07:04 - Overcoming Failure (ft. Improvement Pill) 12:22 - HopeFilled FootStep #2...

Thank you, Decade Investor, for having me on your podcast!

This conversation was a blast, and I hope that it provides value to many!

38: Dave Ramsey Says You Can Withdraw 8% of Your Portfolio in Retirement, Can You? | Conversation... In this episode of The Decade Investor Podcast, Kolin talks with Jay Disberger (https://twitter.com/HopeFilledCoach) (aka The HopeFilled Financial Coach) a...

I feel seen.

HopeFilled Financial Podcast : Investing Long-Term in a Short-Term World - Ft. The Decade Investor - Ep. #61

HopeFilled Financial Podcast: Investing Long-Term in a Short-Term World - Ft. The Decade Investor - Ep. #61 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...

HopeFilled Financial Podcast : Make Having a Baby Affordable! - Ep. #60

HopeFilled Financial Podcast: Make Having a Baby Affordable! - Ep. #60 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...

HopeFilled Financial Podcast : Do You NEED This TODAY? - Whole VS Term Life Insurance - Ep. #59

HopeFilled Financial Podcast: Do You NEED This TODAY? - Whole VS Term Life Insurance - Ep. #59 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 3...

HopeFilled Financial Podcast : Why $1000 Isn’t Enough! - HopeFilled Footstep #1 - Ep. #58

HopeFilled Financial Podcast: Why $1000 Isn’t Enough! - HopeFilled Footstep #1 - Ep. #58 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 S...

HopeFilled Financial Podcast : Best Financial Plan? Dave Ramsey, Money Guys, HopeFilled - Ep. #57

HopeFilled Financial Podcast: Best Financial Plan? Dave Ramsey, Money Guys, HopeFilled - Ep. #57 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 Foot...

HopeFilled Financial Podcast : The Controversial 4% Rule - George Kamel Gives 8% Answers - Ep. #56

HopeFilled Financial Podcast: The Controversial 4% Rule - George Kamel Gives 8% Answers - Ep. #56 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...

HopeFilled Financial Podcast : How Frugality Solves Everything! - Ep. #55

HopeFilled Financial Podcast: How Frugality Solves Everything! - Ep. #55 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.....

HopeFilled Financial Podcast : Failproof New Years Resolutions With SCIENCE! - Ep. #54

HopeFilled Financial Podcast: Failproof New Years Resolutions With SCIENCE! - Ep. #54 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...

HopeFilled Financial Podcast : Dave Ramsey Doubles Down? + 2023 Charity Spotlight - Ep. #53

HopeFilled Financial Podcast: Dave Ramsey Doubles Down? + 2023 Charity Spotlight - Ep. #53 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: Episode 37 - Da...

HopeFilled Financial Podcast : How to Merry Christmas Frugally - The Curious Frugal’s 100 Ideas - Ep. #52

HopeFilled Financial Podcast: How to Merry Christmas Frugally - The Curious Frugal’s 100 Ideas - Ep. #52 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:   Is there anything else you would have mentioned? What was your favorite?  Today's hilarious story comes from a...

HopeFilled Financial Podcast : Top 5 Ways to Pay-Off Debt in December! - Ep. #51

HopeFilled Financial Podcast: Top 5 Ways to Pay-Off Debt in December! - Ep. #51 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 ab...

I feel like someone else needed to hear this

HopeFilled Financial Podcast : My Graduation Speech - A HopeFilled Challenge - Ep. #50

HopeFilled Financial Podcast: My Graduation Speech - A HopeFilled Challenge - Ep. #50 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 ye...

HopeFilled Financial Podcast : Lost Ramsey Article and R:IQ Questions Answered! - Ep. #49

HopeFilled Financial Podcast: Lost Ramsey Article and R:IQ Questions Answered! - Ep. #49 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...

HopeFilled Financial Podcast : Dave Ramsey Is WRONG AGAIN for 8%! Why I Called Dave on 11/2 - Ep #48

HopeFilled Financial Podcast: Dave Ramsey Is WRONG AGAIN for 8%! Why I Called Dave on 11/2 - Ep #48 This is my reaction to the call I made to the Ramsey Show Live on November 2nd, 2023. This is the call that broke X (Twitter) with over 4M Views. 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 or take a percent) has me....

https://bethebudget.com/how-to-have-a-debt-free-christmas/

How To Have A Debt-Free Christmas: A Helpful Guide | BeTheBudget If you want to have a debt-free Christmas, you need to start preparing now! Here are 8 helpful tips to ensure a holly, financially jolly Christmas!

Today, The Financial Quarterback, Josh Jalinski, invited me on his radio show today, and I hope you enjoy our conversation that furthers the mission to change Dave Ramsey's mind!

Jay Disberger the man that caused Dave Ramsey to explode over the 4% rule Josh Interview with Jay Disberger discussing financial planning Bio:"Jay Disberger” is a licensed engineer who graduated debt-free with a BS/MS degree in Arc...

I have been further blessed with an invite to David McKnight's show, the Power of Zero. David did a great job asking me about my background, my mission, and how the call with Dave Ramsey came about. Please give it a listen!

The Caller on Dave Ramsey’s Viral 4% Rule Meltdown Speaks Out! (My Interview with Jay Disberger) You may have seen Dave Ramsey's viral rant in response to a caller questioning his advice on 8% withdrawal rates but has an article on his website that prais...

Ken is right! I pray Dave Ramsey will change his mind on the 8% thing. God has a way of getting peoples attention, and there is a lot of attention on this topic that is way bigger than any one of us.

We act on what we focus on.

Your life will change when you decide you need to change it.

Episode 40: Dave Ramsey's 8% Safe Withdrawal Rate, Isn't Safe! - Money Happy Hour Jay Disberger started following Dave Ramsey at the age of 14. At the age of 30, he called Dave Ramsey's show and questioned if a 4-5% withdrawal rate was more prudent. What ensued was a tirade and rant by Dave pounding the table defending an 8% wi...

https://t.co/piN4PgaNEk

Dave Ramsey is getting blasted online for saying he's 'perfectly comfortable' with an 8% withdrawal rate in retirement — critics call his advice scary, dangerous, and wrong. Who's right? One fellow finance influencer went as far as to say Ramsey is “living in a fantasy world.”

HopeFilled Financial Podcast : BEST Financial Veteran Benefits Per US News - Are Any Bad? - Ep #47

HopeFilled Financial Podcast: BEST Financial Veteran Benefits Per US News - Are Any Bad? - Ep #47 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....

https://portfoliocharts.com/2023/11/10/why-dave-ramsey-is-dangerously-wrong-about-withdrawal-rates/

Why Dave Ramsey Is Dangerously Wrong About Withdrawal Rates – Portfolio Charts Dave Ramsey recently promoted an 8% withdrawal rate for retirees. Here's why that's a really bad idea, and how you can plan a safe retirement.

https://www.thinkadvisor.com/2023/11/13/supernerds-unite-against-dave-ramseys-8-safe-withdrawal-rate-guidance/

Supernerds Unite Against Dave Ramsey’s 8% Safe Withdrawal Rate Guidance | ThinkAdvisor Ramsey blasted retirement researchers as goobers living in their moms' basements, but his spending advice is dangerous.

I called Dave Ramsey, and he EXPLODED!

For the 4 Million+ who heard the call, this is my side of the story.

It is still my goal to change his mind. Please share this if you support me in my mission.

While this is my side of the call, it isn't the full story. The rest will be published in Episode #48 on 11/21. Please subscribe if you don't want to miss the rest of the story.

I Called Dave Ramsey About 8% - Dave's Rant EXPLODES! 11/2/2023 This is my reaction to the call I made to the Ramsey Show Live on November 2nd, 2023. This is the call that broke X (Twitter) with over 4M Views.This isn't n...