HopeFilled Financial Podcast

Want to build a budget that actually WORKS? In this episode, I build a smart Excel budget from scratch and show you how to take control of your money with a practical, organized, and easy-to-use budgeting system.

We start with the fundamentals of budgeting—how a budget should be organized, how the mechanics work, and why an intelligently designed budget can make managing your money easier. Then I build the spreadsheet step-by-step, using helpful Excel tips and tutorials to create a budget that is efficient, time-saving, user-friendly, and difficult to mess up.

Whether you're new to budgeting or looking to improve your current system, this episode will help you understand how to build a practical monthly budget in Excel that can help you spend intentionally, save consistently, and move toward your HopeFilled Financial Future.

Take control of your money. Build a budget that works.

#Budgeting #ExcelBudget #PersonalFinance #MoneyManagement #BudgetTips #FinancialFreedom

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 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.

Struggling to save money? What if saving isn't selfish-but actually an act of gratitude and generosity? In this episode, I share a forgotten WWII message: "GIVE THANKS BY SAVING." Inspired by remarkable VE Day footage and WWII scrapbook clippings shared with Jay by Dr. Timothy Crack, we explore how the public was encouraged to save money selflessly. They were inspired to rebuild society, honor sacrifice, protect future generations, and avoid becoming a financial burden on others.

If you've ever struggled to save because giving feels more meaningful than keeping, this forgotten wisdom may completely change the way you see saving, generosity, and your financial future. Saving isn't selfish. Sometimes, saving is how we act selflessly. This episode can change your view on money forever! Thank you for Dr. Timothy Crack for sharing this topic and for being a dedicated listener of the show.

#savingmoney #PersonalFinance #Frugality #FinancialFreedom #WWIIstory #GiveThanksBySaving

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 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 labzzar

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.

"Mommy, who will take care of me if you and daddy die?" That question from my 4-year-old helped remind me why estate planning is an act of love. With a new baby on the way and our home paid off, my wife and I knew it was time to update our plan. In this episode, I share why and how we created a will and trust, how we're planning for our children if something happens to both of us, how we're handling our home and retirement accounts, and why we chose to involve a professional trustee. We also go into our unique life insurance plan and how well WilMaker & Trust worked for us!

Estate planning doesn't have to be complicated or intimidating. If you have children, a home, retirement accounts, or people you love, this is a reminder to put your wishes in writing and protect the people who matter most.

#EstatePlanning #WillAndTrust #FamilyFinances #FinancialPlanning #Parenting

Link: www.willmaker.com

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 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 lahzzar

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

I hired a contractor to replace my home's siding. What followed was a $20,000+ contractor nightmare involving missed deadlines, poor communication, terrible workmanship, and mistakes that were simply covered up with caulk.

After bringing in company executives and an independent inspector, we discovered major installation problems-including improperly spaced nails and improperly wrapped windows.

The entire project eventually had to be redone.

This is my contractor horror story and a cautionary tale for anyone considering a major home renovation or repair. If you're hiring a contractor, learn from my mistakes before signing the contract!

#ContractorHorrorStory #HomeRenovation #Homelmprovement #Homeowners #Siding

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 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 labzzar

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.

Jay is BACK! After a successful first year teaching as an assistant professor, Jay has returned with new and exciting episodes that will now be seasonally produced. Starting in September, you can expect new episodes of the HopeFilled Financial Podcast every other Tuesday all the way through the end of April 2027. While the background, format, and schedule are all new, this is still the same show here to help you budget bravely and enjoy 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 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.

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.

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/[email protected]?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.

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.

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.

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.