Is Gerber Life's Grow-Up Plan a SCAM?! - HopeFilled Story #64
In today's story, Jay explores the lawsuit against Gerber Life for their Grow-Up Plan's allegedly "misleading" advertisements.
What is the Gerber Life Grow-Up Plan? Why were the ads allegedly "dishonest"? What was the final verdict on the case? Did Gerber Life win or lose? What does this have to do with YOU? Find out in today's story!
Links covered in today's story:
Classic Gerber Ad: https://www.youtube.com/watch?v=LMF7nMhYwXo
Gerber Life Grow-Up Website: https://www.gerberlife.com/child-life-insurance/grow-up-plan
Dave Ramsey Blows a Gerber Gasket: https://www.youtube.com/watch?v=4c8RH0ZjftM
The Gerber Life College Plan Ad: https://www.youtube.com/watch?v=JC8eD8Af2XU
The Gerber Life College Plan FAQ: https://www.youtube.com/watch?v=LlfCNII8qFU
Business Insider on Gerber Life: https://www.businessinsider.com/gerber-college-savings-plan-2014-6
The Gerber Life College Plan Website: https://www.gerberlife.com/saving-for-college/college-plan
The Ring of Fire Gerber Life Lawsuit Coverage: https://www.youtube.com/watch?v=sAdMC9dhGLk
Westlaw Today Judge's Verdict: https://today.westlaw.com/Document/I344b262d76f411ebbea4f0dc9fb69570/View/FullText.html?transitionType=Default&contextData=(sc.Default)&firstPage=true
Watch the full episode here: https://youtu.be/H5CTueUL5ME
HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9
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
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Top 10 Unneeded Insurance Policies - Gerber Gone Bad? - Ep. #64
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
40:25 - #10 Home Warranty
In today's story, Jay explores the lawsuit against Gerber Life for their Grow-Up Plan's allegedly "misleading" advertisements. What is the Gerber Life Grow-Up Plan? Why were the ads allegedly "dishonest"? What was the final verdict on the case? Did Gerber Life win or lose? What does this have to do with YOU? Find out in today's story!
The main topic is a count down of the "Top 10 Redundant Insurance Policies" that Jay does not have. You probably don't need these either... If you are looking to cut costs for your insurance premiums, consider abandoning some of these policies all together. This can be a small help or a game changer for HopeFilled FootStep #2.
As explored in the episode, insurance is intended to defer undue risk that you cannot take on yourself. If the risk is not undue, or you can handle the risk on your own, then is the insurance needed? If the insurance is redundant to another policy, but more limiting, is it needed?
Links covered in today's story:
Classic Gerber Ad: https://www.youtube.com/watch?v=LMF7nMhYwXo
Gerber Life Grow-Up Website: https://www.gerberlife.com/child-life-insurance/grow-up-plan
Dave Ramsey Blows a Gerber Gasket: https://www.youtube.com/watch?v=4c8RH0ZjftM
The Gerber Life College Plan Ad: https://www.youtube.com/watch?v=JC8eD8Af2XU
The Gerber Life College Plan FAQ: https://www.youtube.com/watch?v=LlfCNII8qFU
Business Insider on Gerber Life: https://www.businessinsider.com/gerber-college-savings-plan-2014-6
The Gerber Life College Plan Website: https://www.gerberlife.com/saving-for-college/college-plan
The Ring of Fire Gerber Life Lawsuit Coverage: https://www.youtube.com/watch?v=sAdMC9dhGLk
Westlaw Today Judge's Verdict: https://today.westlaw.com/Document/I344b262d76f411ebbea4f0dc9fb69570/View/FullText.html?transitionType=Default&contextData=(sc.Default)&firstPage=true
Links covered in today's main topic:
Business Insider on Cild Life Insurance 1: https://www.businessinsider.com/personal-finance/life-insurance-for-children?op=1
Business Insider on Cild Life Insurance 2: https://www.businessinsider.com/do-children-need-life-insurance-2014-6
Policygenius on Accident Insurance: https://www.policygenius.com/disability-insurance/what-is-accident-insurance/
Nerdwallet on Accidental Death: https://www.nerdwallet.com/article/insurance/life-insurance-accidental-death
USAA on Mortgage Life Insurance: https://www.usaa.com/inet/wc/advice-insurance-a-guide-to-mortgage-life-insurance?akredirect=true
Forbes Asvisor on Hospital Indemnity Insurance: https://www.forbes.com/advisor/health-insurance/hospital-indemnity-insurance/
HealthInsurance.org on Cancer Insurance: https://www.healthinsurance.org/supplemental-products/cancer-insurance/#:~:text=How%20does%20cancer%20insurance%20work,use%20as%20they%20see%20fit.
Nerdwallet on Gap Insurance: https://www.nerdwallet.com/article/insurance/gap-insurance
Car and Driver on Rental Car Insurance: https://www.caranddriver.com/car-insurance/a32500214/should-i-get-rental-car-insurance/
Forbes Advisor on Windshield Insurance: https://www.forbes.com/advisor/car-insurance/windshield-repair/
US.News on Home Warranties: https://www.usnews.com/360-reviews/services/home-warranty/how-does-home-warranty-work
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.
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What Are Health Care Sharing Ministries? - Investopedia - Main Topic #63
The main topic is a review of the article "What Are Health Care Sharing Ministries? (HCSMs)" by Investopedia (https://www.investopedia.com/what-are-health-care-sharing-ministries-hcsm-5207450). Jay's commentary on the article should help you know what to research if you are considering a Health Care Sharing Ministry to cover your medical risks. One thing excluded from this article, that you should know about, is that an HCSM will not give you access to an HSA. If having an HSA is a big part of your plan, and HCSM may not be for you.
Watch the full episode here: https://youtu.be/hdJmLogazwk
Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
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Why I Switched to a Health Care Sharing Ministry - HopeFilled Story #63
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 astronomical deductible - risk was not deferred properly. This left Jay searching for a solution to protect his new family.
Watch the full episode here: https://youtu.be/hdJmLogazwk
HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9
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
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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 his risk of the #1 reason for bankruptcy - medical bills. Jay's health insurance offered a very high premium for an outrageously astronomical deductible - risk was not deferred properly. This left Jay searching for a solution to protect his new family.
The main topic is a review of the article "What Are Health Care Sharing Ministries? (HCSMs)" by Investopedia (https://www.investopedia.com/what-are-health-care-sharing-ministries-hcsm-5207450). Jay's commentary on the article should help you know what to research if you are considering a Health Care Sharing Ministry to cover your medical risks. One thing excluded from this article, that you should know about, is that an HCSM will not give you access to an HSA. If having an HSA is a big part of your plan, and HCSM may not be for you.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
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Financial FootStep #2 - Main Topic #62
HopeFilled Financial FootStep #2 is called "Take Control." In order for you to have success with your money, you need to be telling it what to do, not the other way around. You need a foundation and a strategy that is strong. If you have control of your money, you can reduce your risks of failure. The key steps to taking control are 1) Learn How To Budget 2) Update Insurance 3) Stop Adding Debt 4) Don't Go Alone 5) Begin with the End in Mind and 6) Know Your "Why."
If you need motivation to start budgeting, check out this episode: https://www.youtube.com/watch?v=GUu2RRQwjTM&t=0s
If you need a deep dive into budgeting, check out this episode: https://www.youtube.com/watch?v=byiocGDfdmk&list=PLo6Zlf1BSGrZGUYSkL8pyhTZHY7xtJbXx&index=2
Watch the full episode here: https://youtu.be/ShVxf06pa_o
Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
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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 - Take Control (Main Topic)
Today's story is about how trying to increase finite willpower left Jay binging after a 30 day diet. If our willpower is a finite resource, what can we do to actually succeed? Can we apply a strategy in our schedule or environment that reduces the willpower we need to have to succeed? The Improvement Pill video (www.youtube.com/watch?v=9oqWlUfxmn0) helps us expand our understanding of failure, success, and strategy.
HopeFilled Financial FootStep #2 is called "Take Control." In order for you to have success with your money, you need to be telling it what to do, not the other way around. You need a foundation and a strategy that is strong. If you have control of your money, you can reduce your risks of failure. The key steps to taking control are 1) Learn How To Budget 2) Update Insurance 3) Stop Adding Debt 4) Don't Go Alone 5) Begin with the End in Mind and 6) Know Your "Why."
If you need motivation to start budgeting, check out this episode: https://www.youtube.com/watch?v=GUu2RRQwjTM&t=0s
If you need a deep dive into budgeting, check out this episode: https://www.youtube.com/watch?v=byiocGDfdmk&list=PLo6Zlf1BSGrZGUYSkL8pyhTZHY7xtJbXx&index=2
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
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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 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 - How to Know a Your Financial Foundation is Healthy
15:00 - How to Limit Lifestyle Spending
18:53 - Where did "Decade Investor" Come From
20:02 - Shifting From Short-Term to Long-Term Thinking
22:33 - Getting Into vs Keeping a Long-Term Mindset
26:46 - Top 3 Habits to Better Your Future
In Episode 61 of the HopeFilled Financial Podcast, Jay interviews Kolin, the Decade Investor! Kolin shares his investing philosophy and tips for thinking with long-term mindset. If you want to see more collaboration between HopeFilled and the Decade Investor, let us know what we should discuss next!
Follow the Decade Investor here:
Youtube/Podcast:
https://youtube.com/@DecadeInvestor?si=y19xHuZ3RdvU3lA2
X/Twitter:
https://x.com/DecadeInvestor?s=20
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
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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 #1 That We Don't Want To Pay Again
10:38 - Top 3 FREE Things Parents Can Do To Prepare
15:54 - What I Bought That Went Unused
18:27 - Advice For The Parent Overwhelmed By Future Costs
29:20 - HopeFilled Advice For Parents From The Heart
Jay and Amanda share their stories from having their first child and what they plan to do differently with their second. These tips will leave you laughing, crying, and hopeful. Please share this with all the expecting parents you know, and let us know what you found helpful 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 episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
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Willpower is Finite - HopeFilled Story #62
Today's story is about how trying to increase finite willpower left Jay binging after a 30 day diet. If our willpower is a finite resource, what can we do to actually succeed? Can we apply a strategy in our schedule or environment that reduces the willpower we need to have to succeed? The Improvement Pill video (www.youtube.com/watch?v=9oqWlUfxmn0) helps us expand our understanding of failure, success, and strategy.
Watch the full episode here: https://youtu.be/ShVxf06pa_o
HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9
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
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The Life Insurance Debate - Main Topic #59
Today's main topic covers life insurance, whole vs term, and Jay's personal life insurance plan. Life insurance is an essential part of healthy finances, but not every life insurance product is a need. Your situation will dictate what you need. It is important that you can identify what wants you may have for life insurance beyond those needs, and that you firmly clarify them as genuine wants.
To kick things off, Jay reviews a solid Forbes Advisor article to establish the main differences between term and whole life insurance options. Next, we turn to the Money Guy show where they recommended a whole life product. For example purposes, Jay included a "run the numbers" case study from the PBS show Two Cents. Lastly, before sharing his plan, the White Coat Investor has a good bit to say on this topic that will largely make for good continued reading.
Forbes Advisor Article: https://www.forbes.com/advisor/life-insurance/term-life-vs-whole-life-insurance/
Money Guy Show Clip: https://www.youtube.com/watch?v=ed7IIE9pRW4
Two Cents Example: https://www.youtube.com/watch?v=AgBhy8iXjpI
Consumer Reports Study: https://www.consumerreports.org/cro/news/2015/04/is-whole-life-insurance-right-for-you/index.htm
White Coat Investor Article: https://www.whitecoatinvestor.com/debunking-the-myths-of-whole-life-insurance/
Watch the full episode here: https://youtu.be/XLZyhNTBET4
Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
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Don't Make This $20,000 Mistake! - HopeFilled Story #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?
Today's story reviews a sales pitch for whole life insurance followed by a heartbreaking story about how Joshua made a $20,000 mistake with his life insurance. The lessons learned from the contrast speaks volumes.
Rob Gills Video: https://www.youtube.com/watch?v=JFZRwkl9xd0&t=68s
Joshua's Story: https://www.youtube.com/watch?v=Y_V6n3GZFVA
Watch the full episode here: https://youtu.be/XLZyhNTBET4
HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9
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
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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
32:41 - Two Cents video reaction
35:17 - Consumer Reports article review
36:43 - White Coat Investor article review
40:30 - What I'm Doing For My Life Insurance
41:47 - Closing Statements
Today's story reviews a sales pitch for whole life insurance followed by a heartbreaking story about how Joshua made a $20,000 mistake with his life insurance. The lessons learned from the contrast speaks volumes.
Today's main topic covers life insurance, whole vs term, and Jay's personal life insurance plan. Life insurance is an essential part of healthy finances, but not every life insurance product is a need. Your situation will dictate what you need. It is important that you can identify what wants you may have for life insurance beyond those needs, and that you firmly clarify them as genuine wants.
To kick things off, Jay reviews a solid Forbes Advisor article to establish the main differences between term and whole life insurance options. Next, we turn to the Money Guy show where they recommended a whole life product. For example purposes, Jay included a "run the numbers" case study from the PBS show Two Cents. Lastly, before sharing his plan, the White Coat Investor has a good bit to say on this topic that will largely make for good continued reading.
These are the links to sources used in this episode:
Rob Gills Video: https://www.youtube.com/watch?v=JFZRwkl9xd0&t=68s
Joshua's Story: https://www.youtube.com/watch?v=Y_V6n3GZFVA
Forbes Advisor Article: https://www.forbes.com/advisor/life-insurance/term-life-vs-whole-life-insurance/
Money Guy Show Clip: https://www.youtube.com/watch?v=ed7IIE9pRW4
Two Cents Example: https://www.youtube.com/watch?v=AgBhy8iXjpI
Consumer Reports Study: https://www.consumerreports.org/cro/news/2015/04/is-whole-life-insurance-right-for-you/index.htm
White Coat Investor Article: https://www.whitecoatinvestor.com/debunking-the-myths-of-whole-life-insurance/
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
98
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How Much Do YOU Need in YOUR Starter Emergency Fund? - Main Topic #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?
The main topic walks through HopeFilled Footstep #1: YOUR Starter Emergency Fund. How much do you need in your starter emergency fund? Where should you keep that money? What is the number 1 key to saving up your emergency fund? All these questions and more will be answered to help you take a step in the right direction for your HopeFilled Financial Future.
Watch the full episode here: https://youtu.be/8yHHg219soY
Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
44
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3 Emergencies At Once! - HopeFilled Story #58
Today's story describes how 3 major unplanned financial "emergencies" popped up all at the same time - leading Jay to delay fixing a collapsed engine mount for over a year! Was this safe? Was this wise? Was this frugal?
Watch the full episode here: https://youtu.be/8yHHg219soY
HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9
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
55
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The Best Financial Plan for YOU - Main Topic #57
Which financial plan is right for YOU? Baby Steps? Financial Order of Operations? HopeFilled Financial Footsteps?
Our main topic goes over 3 financial plans that can inspire your personal financial journey. Jay reviews Dave Ramsey's Baby Steps, The Money Guy's Financial Order of Operations, and YOUR HopeFilled Financial Footsteps. Which one is right for you? Can you learn from more than one? Are there other financial plans that you follow? Let us know in the comments!
Watch the full episode here: https://youtu.be/wJZ9FHYrL54
Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
36
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7Eleven Inspires Personal Finance? - HopeFilled Story #57
Today's story highlights 7Eleven's humble beginnings and their accidentally genius business pivot. 7Eleven used to only sell one thing. Without a business plan update, the growing popularity of the refrigerator would have ended the company. In our financial lives, can we use this story to inspire flexibility or pivots in our plans?
Watch the full episode here: https://youtu.be/wJZ9FHYrL54
HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9
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
22
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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 Starter Emergency Fund - HopeFilled Footstep #1
Today's story describes how 3 major unplanned financial "emergencies" popped up all at the same time - leading Jay to delay fixing a collapsed engine mount for over a year! Was this safe? Was this wise? Was this frugal?
The main topic walks through HopeFilled Footstep #1: YOUR Starter Emergency Fund. How much do you need in your starter emergency fund? Where should you keep that money? What is the number 1 key to saving up your emergency fund? All these questions and more will be answered to help you take a step in the right direction for your HopeFilled Financial Future.
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
60
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4
comments
Are YOU in the "Risk Zone?" - Main Topic #56
The main topic shows how the "Risk Zone" of retirement can help us change our fate. Jay's graphs will help you visualize the retirement risk zone so you can prepare for your HopeFilled financial future. The visual also helps us understand why the 4% rule is tied to such passionate yet divided opinions. How can you tell if your retirement strategy is on track in a volatile world? Jay's risk zone research can help you answer that very question.
Watch the full episode here: https://youtu.be/D4atC06a7zo
Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
24
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The Divisive Dress! - HopeFilled Story #56
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 remembers another, but he needs your help to track down the source.
Watch the full episode here: https://youtu.be/D4atC06a7zo
HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9
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
33
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The Most Important Financial Virtue - Main Topic #55
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 decisions. These new decisions and habits can change our HopeFilled financial futures forever! Do you like Jay's definition of frugality? Did any of the stories resonate with you? Is frugality a virtue you want to have yourself? Let us know your thoughts in the comments.
Watch the full episode here: https://youtu.be/Mo6wh-cpuZA
Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
48
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How to Understand Yourself - HopeFilled Story #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.
Watch the full episode here: https://youtu.be/Mo6wh-cpuZA
HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9
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
16
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Veritasium Inspired Savings Goals - Main Topic #54
In the Main Topic Jay works through a FAST savings goal example that used Veritasium's wisdom. How do you think this example can help you with your goals or resolutions this year? If you need help writing and organizing your financial savings goals, this episode is for you!
Watch the full episode here: https://youtu.be/YVWZ1RDFfJc
Main Topics Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGrZM50_NAabg7tOhASym2xxD
Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! 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.
49
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Why Resolutions Fail - HopeFilled Story #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 these points can be used to make FAST (Frugal. Attainable. Specific. Trackable.) financial goals.
Veritasium Video: https://youtu.be/Pm9CQn07OjU?si=VuOgUGd6ed6mn5qP
Watch the full episode here: https://youtu.be/YVWZ1RDFfJc
HopeFilled Stories Playlist: https://www.youtube.com/playlist?list=PLo6Zlf1BSGratro9fQ9aR4A2nBO_nygE9
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
28
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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 Footsteps :)
Today's story highlights 7Eleven's humble beginnings and their accidentally genius business pivot. 7Eleven used to only sell one thing. Without a business plan update, the growing popularity of the refrigerator would have ended the company. In our financial lives, can we use this story to inspire flexibility or pivots in our plans?
Our main topic goes over 3 financial plans that can inspire your personal financial journey. Jay reviews Dave Ramsey's Baby Steps, The Money Guy's Financial Order of Operations, and YOUR HopeFilled Financial Footsteps. Which one is right for you? Can you learn from more than one? Are there other financial plans that you follow? Let us know 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.
59
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