Money Talk with Skyler Fleming

In today’s episode, we are talking with Sarah and Taylor Nielsen. Sarah is a friend of my wife’s and they’ve known each other for the past few years. My wife invited them to come on my podcast because she knows that they also like to talk about money. Today’s conversation is a fun one and we dive into quite a few different topics. This episode will be applicable for everyone and especially if you are married. This would be a great one to listen to as a couple on a drive or something like that. We talk about a lot of great things like taking opportunities, how marriage doesn’t have to be fair, how to support each other, how to think about debt, being on the same page, how the steps you take on your journey may be different, budgets, trying new things, and the list goes on and on. Taylor also shared one of the greatest pieces of advice that we all wish we could go back and learn sooner in life, so be sure to stick around to the end of the interview to hear what they both have to say they wish they knew sooner when it comes to money.

In today’s money talk mastery we’re going to talk about adult expenses. You’re going to hear some conversation today about the boring but necessary bills like insurance, housing, transportation, and the like. While these are things that we have to spend on. They are also things that we can save on. I want to share some insight to how we can save money on some of the necessary evils when it comes to our money

The Money Talking points for today’s episode are:

1. Are you a general budget or a specific budget kind of person?

2. What are some opposite ways to handle money that you can think about now to see the other side of the coin?

In today’s episode, we’re talking with Tom Kosnik. I know Tom through my work as a Marketing Manager. We’ve known each other for a few years and we always have a few money talks here and there about what we’re doing with our money and so on. Today’s episode is a great conversation with someone who has started their own business and still runs their own business. Tom has a lot of knowledge and experience with managing his money and talking to people about money. So make sure you’re ready to take away some tips and advice from the great stories that Tom has to share in today’s episode.

We discuss how money was exemplified for him and not just talked about and how that can be beneficial for children. How can you feel confident in your life with money and how to do you manage your money when also trying to start and run a business? Tom also shared not one but two great tips that he wishes he would have known sooner. Number 2 is going to be very hopeful for a lot of people out there, so make sure to stick around for the end of the interview!

The Money Talking points for today’s episode are:

1. Who can you talk to that handles money professionally about what they do with their money?

2. How was money management shown to you as a kid?

In today’s episode, we are talking with Peyton and Brandon Carlile. Peyton and my wife, Rebecca have been friends for a few years and Rebecca knew that they did a good job with their money. So when it came time to find some regular everyday guests, Rebecca suggested them to come on as guests. They do not disappoint! There is some great information that you can take away from today’s episode! We discuss a handful of things in today’s power packed interview. We discuss learning about money, feeling confident with money, managing stress, managing money in their marriage, and Brandon shared this fantastic story of changing how he handles money after he found himself in a financial situation that he didn’t really like and ultimately one he needed to change to ensure his relationship with Peyton stayed on track.

Be sure to stay tuned for todays interview because I can guarantee you’ll be able to take something away from it!

The Money Talking points for today’s episode are:

1. What financial behaviors have you allowed to slip into your life?

2. Do you feel that there are any small adjustments you can make today to get your finances back on track?

In today’s episode, we have a great money talk with Luke Ensign, who works in education. Despite lacking a expert financial background, Luke brings a unique perspective on money shaped by his upbringing and experiences. Get ready to explore the impact of childhood views on money, navigating financial conversations in a marriage, the importance of maintaining a robust emergency fund, and much more. Let's dive into this enriching discussion on Money Talk with Skyler Fleming!

The Money Talking points for today’s episode are:

1. How did your childhood experiences with money influence how you handle it now?

2. Do you have an emergency fund?

3. Why do you think it is important to talk about money?

In today’s episode, we have a fascinating journey ahead as we dive into a conversation that many tend to shy away from—money. In our chat with the insightful Bob Wheeler, we'll unravel the emotional layers behind our financial decisions, the importance of open dialogue, and practical steps to redefine our money stories.

In our interview, we delved into the significance of discussing money openly. Bob emphasizes the diversity of financial stories and the necessity of initiating conversations. Our money talk explores the emotional aspects of finances, highlighting how our feelings towards money often transcend mere mathematical calculations. Bob shared invaluable insights into the impact of emotions on financial decision-making and stressed the importance of addressing these emotional aspects. We navigated the realm of relationships, underlining the crucial role of transparent money discussions, especially within partnerships. Bob's personal journey with money, including overcoming familial influences and self-sabotage, offered a relatable perspective. The conversation also touched upon the necessity of setting boundaries, preparing for financial conversations, and understanding one's money story through self-reflection.

The Money Talking points for today’s episode are:

1. How can you start a simple and pressure-free conversation about money, seeking input and ideas from others?

2. Have you considered exploring the emotional side of your financial decisions, such as understanding how money makes you feel and the motivations behind your purchases?

3. Whether married or not, are you prepared to discuss money openly, set boundaries, and consider having a "Money Buddy" for support in financial matters?

In today’s episode, we're joined by Danny Kofke, a financial expert, educator, and author. Tune in as we unravel the secrets to budgeting, planning, and spending wisely with Danny.

Explore why people overspend on vacations and how to plan getaways without draining your wallet. Discover the liberating side of budgeting and its role in financial freedom. Danny shares practical tips on affordable travel and emphasizes the power of planning in managing overall finances.

Learn from Danny's journey, from a frugal upbringing to planning a financially secure future. Find out more about his initiatives, including the MyMentoro website and his work with a financial education company.

The Money Talking points for today’s episode are:

1. How can I avoid overspending on vacations?

2. Is budgeting restrictive or liberating?

3. How can planning play a role for you beyond just money?

In today’s episode, we are talking with one of my friends that I’ve known for the longest! Josh Tonge! Josh and I met clear back in the 4th grade, which at the time of recording this was just over 17 years ago! So we have known each other for a very long time. So when Josh agreed to come on my podcast I got really excited. Him and I have talked about a lot of things throughout our lives and money is certainly one of them. I was excited to sit down with Josh and go over his views on money surrounding college, student loans, and the other financial challenges young adults face. I think you’re going to find a lot of value from this episode! We’re going to talk about managing a job while in college, how Josh learned about money, how college impacts his long term goals and thinking about retirement, and much much more! You’re in for a great money talk today so be sure to stay tuned and subscribe for more!

Also, if you know someone who you think would be a great guest to come on the show, please let me know and I’d be happy to reach out!

The Money Talking points for today’s episode are:

1. How can you make sure to budget fun into your life?

2. What stood out to you and who can you share it with?

In today’s episode, we're diving into the crucial topic of financial organization with Kari Polasek. Join us as Kari unveils the timeless advantages of starting early on your financial journey and explores the ease of building, rather than breaking, financial habits. We'll discuss practical steps to organize your money, from budgeting essentials and the power of saving first to leveraging workplace benefits for a head start. We also discuss valuable insights on using technology wisely and why being financially organized can transform emergencies into mere inconveniences. Whether you're a financial novice or seasoned pro, this episode is packed with actionable tips to pave the way for a financially empowered life.

So, if you've ever wondered about the significance of time in financial planning, strategies to kickstart your money organization journey, or the role of technology in managing finances effectively, don't miss this insightful conversation with Kari. Today’s episode is going to help you gain practical wisdom and set yourself on the path to a lifetime of financial success!

The Money Talking points for today’s episode are:

1. Where do you feel you should be with your money?

2. Where do you feel like you lacking control with your money

In today’s episode, we're joined by Fati Largaespada, who shares her journey from quickly accumulating debt due fencing, which I learned is a very expensive sport, to reclaiming financial stability. Fati discusses the pivotal steps she took, including working with a debt management company and securing a new job, shedding light on the challenging yet rewarding process of breaking free from debt.

Should credit cards be avoided all together? Fati offers insights into responsible credit card usage, emphasizing treating them like debit cards and navigating promotional traps. With her finance background and personal experiences, Fati provides practical advice on achieving financial balance and the importance of fostering open conversations about money. Join Fati and I today for a fantastic conversations around real credit card usage and Fati’s experience.

The Money Talking points for today’s episode are:

1. How do you use a credit card responsibly?

2. What is a credit card trap that you might fall victim to?

Find Fati online

In today’s episode, we are talking Amanda Cantrell all about investing. The main focus of this episode is going to be how we manage our investments. Our conversation is going to allow you to better than stock picking, timing the market, or any other crazy investment strategies out there. Why do we need to be talking about it? Well, that’s because we all have different ideas and tactics to manage our investments. So, if we learn what the next person is doing then we are able to take that and apply it to our own personal investing strategies after a little bit more research. But it easily gets us started with some ideas as we share and learn from each other. Amanda and I have some great conversations today around regular money talks, tracking, investing in what you value, staying accountable, common investing pitfalls, and the power of a written financial plan! It’s a great episode today so be sure to share with a friend and have a money talk!

The Money Talking points for today’s episode are:

1. How do you manage your investments?

2. Do you have a way to manage your investments that’s different from normal?

You can find Amanda Cantrell online at the following places.

The podcast is back and better than ever! Be sure to head over to YouTube to subscribe to get even more great content from Money Talk with Skyler Fleming! But you can expect podcast episodes once again wherever you listen to podcasts.

In today’s episode we are talking with Johnny Bohan, a CFP who wrote a book called “Not Another Lecture” and we had a great conversation about financial habits that can change your life. There are some great nuggets of information in today’s episode. We talked about robo savings, moneybuddies, tracking your expenses, the power of your net worth, how to get started, and a whole lot more!

The Money Talking points for today’s episode are:

1. What small habit can you do over the next 3 months?
2. Who can be your Moneybuddy?

In today’s episode we dive into a conversation all around Gen Z with an expert, Mark Bolton. We dive deep into the unique financial challenges that Generation Z faces. Mark sheds light on the hurdles, such as the rising cost of living, especially in housing, and how Gen Z is navigating these obstacles creatively. We explore the tech-savvy nature of this generation, discussing tools like Rocket Money and the evolving landscape of financial management. Mark offers strategic insights into the popularity of side hustles among Gen Z and how they impact financial security. We also delve into the distinct ways Gen Z handles money, both positively—like early investing—and potential pitfalls such as impulsive social media spending and education debt. Mark emphasizes the importance of early investment for Gen Z's financial future

The Money Talking points for today’s episode are:

1. What is your favorite takeaway from today’s episode

Mark Bolton is the author of "Gen Z Money Manual"

In this episode of 'Money Talk with Skyler Fleming', Skyler is joined by Sherwood Greer from Gate City Advisors. Together, they discuss the process of retirement planning and the importance of starting early. Sherwood shares his insights and tips on debt management, optimal investment strategies and the significance of envisioning retirement for motivation. He also suggests that young adults can benefit greatly from financial coaching as it provides personalized guidance and helps avoid common financial mistakes made by others. You’ll also find the steps one should take to ensure a smooth progression towards their financial future and discuss the advantages of early compound interest. Towards the end, Sherwood offers a free retirement income toolkit available on the Gate City Advisors' website.

The Money Talking points for today’s episode are:

1. What do you want retirement to look like?

2. How can you get the investment machine moving?

Find Sherwood Greer online at https://www.gatecityadvisors.com/sherwood-greer

00:00 Introduction to Early Retirement

01:39 Meet the Guest: Sherwood Greer

03:18 Rethinking Work and Retirement

04:36 Starting Early: The Power of Compounding

05:57 Investing Wisely for Young Adults

07:21 Balancing Life, Work, and Retirement Goals

10:40 The Value of Financial Coaching

13:14 Conclusion and Contact Information

14:38 Key Takeaways and Money Talking Points

In today’s episode, we dive into the recent changes coming to the FAFSA - some good, some not so great. With Dan Cieniewicz and Dave The Scholarship Coach. Whose names you might recognize as they’ve been on the show before. So thank you to both of them for coming back on!

But, from a shorter application process to altered income assessments, we explore how these changes affect students and families.

We’ll talk about the new Student Aid Index (SAI) and whether everyone should consider aiming for the expanded Pell Grant. Dave and Dan, share insights on scholarships, the impact of FAFSA changes, and tips on preparing for college expenses.

Stick around to hear what Dave and Dan are working on and how you can reach out to them for valuable advice. Whether you're navigating financial aid or planning for your child's education, we've got you covered.

The Money Talking points for today’s episode are:

1. How are your scholarship applications going?

2. Will you be applying for the FAFSA?

Checkout Dan online or contact him at:

In today’s episode, we’re talking with Paul Merriman about investing and how young adults can get started! Do young adults have too much going on in their lives to bother investing? Why bother thinking about it? Are target date funds good enough? Are they too conservative? What is a target date fund? Do you even need bonds in your portfolio?

We have a fantastic conversation with Paul Merriman in today’s episode.

In today’s episode, we’re talking all about groceries! I’m even going to walk you through how I use a fantastic app to manage our meal plan and grocery list! This is going to be a great episode with some walk-through recording of my phone. So be sure to head over to YouTube for today’s episode as well!

Shoutout to everyone who has left a review on this podcast so far! Also, be sure to check out my YouTube channel and if you’re watching over there be sure to like and subscribe for more great money talks!

The Money Talking points for today’s episode are:

1. How much money could you save by meal planning?
2. Do I have any recipes around my home that I could add to Paprika 3 to start meal planning today?

Checkout Episode 50 for my wife and I’s favorite recipes - https://podcasters.spotify.com/pod/dashboard/episode/e1n9275

Link to the Nerd Wallet article mentioned - https://www.nerdwallet.com/article/finance/ways-to-save-money-on-food-groceries

In this episode, we're diving into the concept of the "college promise" and the crucial need for students to match their hope with diligent effort. We're exploring the vast opportunities available to college students, underlining the significance of early preparation and financial literacy. Networking is a key point of discussion, emphasizing the value of meeting new people and seeking guidance from experienced professionals. Crafting a robust portfolio, including an impressive resume and an optimized LinkedIn profile, is another important aspect of our conversation. We're closing with a motivational message, urging persistence in the job search process and reminding our audience that they are more than capable of success.

In today’s episode, we are talking about the financial world for women with Maggie Nielsen. She is a partner with Purse Strings and is all about helping women be financially fearless. We are going to talk about why women may be behind financially, how women are talked to about money, how to have health money talks, how women can ensure they are in a good financial position, as well as money in a marriage for women. There are a lot of great questions and thank you to Maggie for coming on this episode and being willing to share her insights. This was a topic that I was really interested in and wanted to learn more about so I think you are going to be able to take away a lot of good information from this one.

The Money Talking points for today’s episode are:

1. What are some ways that you think women are talked to differently about money than men?

2. How can you make sure all money talks are fair and available to everyone?

Find Maggie Nielsen online at https://pursestrings.co/

Her email is maggie@pursestrings.co

In today’s episode we are talking about socially responsible investing with Max Becker-Pos. This is a great conversation about how you can get involved with your investing in other ways. Whether it’s investing time in your community or investing your money in companies that you feel are doing right by people and the planet. We dive into some of the specifics of socially responsible investing and how it works as well as volunteering. We also talk about how spending locally can help the stores and your local economy. Today’s conversation is going to have an impact on your wallet, your relationships, and the people around you! Please share today’s episode with a friend and then go out with that friend and get involved in your local community The Money Talking points for today’s episode are:

1. What are some ways that I can get involved locally?

2. How can I spend or invest my money in a way that helps my local environment

In today’s episode, we are talking with Robin Binkley about circles of influence and how they impact you, your money, your net worth, and your values in other areas. There are some great takeaways from this episode. Some of the main ones that I want to make sure you pay attention to are to make sure you know your values, find connections, and make sure your circle shares your values. But I really hope you enjoy this episode and then go and share it with your circle of influence! It will help you all strengthen your circle and continue to help each other grow and achieve your goals!

The Money Talking points for today’s episode are:

1. Who is in your circle of influence?

2. Is there a type of person or a person in a certain position that you would like to be in your circle of influence?

Contact Robin Binkley at Team@realequityip.com

In today's episode, we dive into the world of budgeting with Dana Miranda, exploring a fresh perspective on personal finances. Discover why budgeting might not be the ultimate solution, the pitfalls of "budget culture," its impact on relationships, and alternative money management strategies. Join us for a great conversation that will challenge your views on budgeting and leave you with new insights. Don't forget to engage with us on social media and share with a friend, discussing your thoughts on budgeting and alternative money management approaches.

In today’s episode, we are talking with Jenny Whichello. This is a great conversation all about goal setting. Have you ever wondered why we abandon some of our goals? How to set realistic and attainable goals? How to make goals motivating? This episode is going to be a great one for you! We are talking all about goals and much much more! There is a lot to take away from today’s episode

The Money Talking points for today’s episode are:

1. What goals would you benefit in abandoning?

2. What are your beliefs and what do you want to accomplish?

You can find Jenny Whichello online at https://blissandwealth.com/

In this episode, we are talking with Walter Richardson about a lot of things centered around coming into sudden, newfound wealth. How would you react?

We talk about Sudden Wealth Syndrome, financial advisor guidance, using money for opportunity, lifestyle changes and planning, and how to help family and friends. There are a lot of great takeaways from today’s episode!

The Money Talking points for today’s episode are:

1. What would you do if you became wealthy overnight?
2. How would you react if someone around you became wealthy overnight?

You can find Walter Richardson online at Richardson Wealth Management

In today’s episode, we are talking with Matt and Joel from How to Money! This is one of my favorite personal finance podcasts to listen to so it’s super exciting to be able to talk to them! We are talking about some of the key things they learned in talking about money in over 700 episodes of podcasts. They have a lot of great insights to share ranging from all sorts of topics. We talk about marriage, retirement, hobbies, debt, strategy, starting money talks, and more! This is a great episode today so be sure to share it with a friend and have a money talk!

The Money Talking points for today’s episode are:

1. Why is it important that everyone talks about money?
2. What financial topic is on your mind that you would like to talk about?

In today’s episode, we talk with Erik Nero of First Step Wealth Planning about time and money. This episode will cause you to think about how you are spending money and time. You’ll hear a fantastic analogy about your garage and money. Erik is full of great insights. Be sure to share with a friend and have a money talk about today’s episode!

The Money Talking points for today’s episode are:

1. How do you want to spend your money and your time?
2. Are your purchases value-driven?

In this episode, we discuss health insurance and a new take on it with Crowd Health CEO Andy Schoonover. Exploring prevailing issues, Andy touches on high medical costs, opaque insurance processes, and the communal approach of Crowd Health. By entrusting individuals and prioritizing shared responsibility, Crowd Health revolutionizes the system, offering affordable coverage and transparency. Join us to explore the potential benefits of this paradigm shift, from affordable coverage alternatives to enhanced transparency in medical billing.

The Money Talking points for today’s episode are:

1. What is a current area of your financial life that could use a new system or process?
2. What do you think of health insurance?

In this episode of Money Talk with Skyler Fleming, we delve into the question of whether discussing money is considered rude or not.

Skyler leads a comprehensive exploration of various essential financial subjects, emphasizing the importance of initiating conversations on financial matters. The episode covers an array of key talking points, including approaches to asking questions, discussing income, effective budgeting, credit card usage, debt management, and prudent savings strategies.

Throughout the episode, Skyler encourages listeners to approach financial discussions with sensitivity and discretion. The episode underscores the significance of initiating dialogues about money in a respectful and empathetic manner, while also providing practical insights into how to navigate potentially uncomfortable conversations. The ultimate goal is to foster an atmosphere where talking about money becomes a valuable tool for learning, growth, and making informed financial decisions.

The Money Talking points for today’s episode are:

1. Is it rude to talk about money?
2. Which of the topics today do you think would be the rudest to talk about?

Join me in celebrating a significant milestone - the 100th episode of Money Talk with Skyler Fleming. In this special episode, I reflect on the valuable lessons learned from the previous 99 episodes while diving into the heart of the podcast's mission: creating valuable money talks. With an exciting announcement, I introduce the addition of video content to the podcast, you're invited to subscribe to the YouTube channel

In this episode, I dive into the core themes that have shaped Money Talk with Skyler Fleming. I emphasize the significance of budgeting as a foundational financial practice, discussing various methods like the 50/30/20 budget, zero-based budgeting, and pay yourself first. I underscore the importance of a written financial plan and share the power of sinking funds for targeted saving. Throughout the episode, I explore the unique aspects of personal money stories and highlight the broader perspective of money beyond just numbers. Please share with me what money talks you would like to have in the future by emailing me!

In this episode, financial self-reliance takes center stage as our guest Scott LaPierre offers essential insights and practical advice. The episode emphasizes the significance of open communication between spouses about money matters to prevent anxieties and strains in relationships. Scott encourages a stewardship mindset, encouraging listeners to manage their finances as resources for their families or charitable causes, fostering a more generous and fulfilling financial approach. The episode also highlights the importance of using resources with love and unselfishness to care for others and build stronger relationships with money. Scott shares a compelling personal story that underscores the value of financial preparedness during hardships. He addresses the issue of spending problems versus income problems and offers actionable tips, such as tracking expenses and practicing delayed gratification before major purchases, enabling listeners to make more informed financial decisions.

The Money Talking points for today’s episode are:

1. How will I handle a financial hardship or issue?
2. Where can I find extra money in my regular spending?

You can find Scott online both on his website and with his social media profiles.

Scott's website: Scottlapierre.com

In this episode of Money Talk with Skyler Fleming, we welcome Kenny Golde, an expert on debt reduction and author of "Debt Reduction Made Easy" and "The Do It Yourself Bailout." Kenny shares his personal journey of overcoming over $200,000 in credit card debt after facing unforeseen circumstances in the film industry. We look at a new perspective to get out of credit card debt.

In this episode of Money Talk with Skyler Fleming, host Skyler Fleming talks with Bob Burdette about navigating life's unexpected financial challenges. Bob shares insights from his book, which he wrote as a financial legacy for his family. They discuss the importance of being prepared for various curveballs that life can throw at you and how to become your own bank. Bob also introduces the concept of "cheating the budget" by strategically using savings for planned expenses.

This episode provides practical insights and strategies for financial preparedness and empowers you to take control of your financial future.

The Money Talking points for today’s episode are:

1. What are some curveballs that you might need to prepare for with your money?
2. How could being your own bank benefit you?

In this episode, we have a conversation with Morgana Rae, a life coach with extensive experience. Morgana shares her personal journey, where she found herself at a difficult point in life when nobody was willing to work with her. This led to a loss of hope and a rollercoaster of emotions surrounding money. Despite trying various approaches, Morgana couldn't improve her financial situation until she asked herself a powerful question: "If my money was a person, who would it be?" By personifying money, she was able to make it more tangible and address her issues with it. This process took time, but it helped Morgana gain a better understanding of her relationship with money and handle it more effectively.

Morgana suggests blaming your money stress on an external entity to separate yourself from negative emotions and work towards a solution. She emphasizes the importance of engaging in real, measurable work to overcome financial challenges. To conquer financial obstacles, Morgana outlines a step-by-step process: uncover the root cause, personify it as a "monster," destroy the monster, and replace it with your "money honey." Having a conversation with your new money honey helps establish a healthier relationship with money. Finally, Morgana highlights the significance of taking concrete and measurable actions to make progress in your financial journey. To learn more about Morgana Rae and her work, visit her website at morganarae.com.

The Money Talking points for today’s episode are:

1. If my money was a person, who would it be?
2. Who is your money as a person? Ask a friend!

In today’s episode, we are talking to Jesse Wilkinson! He is an insurance agent in Northern Utah. He and I are related so we wanted to have a discussion around insurance. It’s a topic that impacts everyone’s lives and everyone's wallet. I know I’ve found myself asking, why is insurance so expensive or why do I even need insurance since I don’t use it? But today’s conversation help me change my viewpoint on that and I think it will impact yours as well.

We have a great conversation centered around these questions. What goes into insurance premiums? Why do we need insurance? How do we understand the value of insurance? What are some insurances we have to consider and some to avoid? Then finally the main question, why is insurance so expensive?

Be sure to send me your feedback either on social media or via email. I would love to hear your thoughts about insurance.

We’re quickly approaching episode 100 and with that, I am going on a little podcast tour! So you may hear me out there on your other favorite podcasts. If you know of a podcast that you think I could be a good guest on, please refer me to them or let me know and I can reach out!

The Money Talking points for today’s episode are:

1. What things in my life should I consider insuring?
2. What things in my life do I not need insurance for?

Find Jesse online at https://www.fbfs.com/find-an-agent/jessewilkinson

In this episode of Money Talk with Skyler Fleming, host Skyler interviews Danny Cieniewicz, also known as The College Dude, to discuss how to start thinking about college. They cover various topics such as how to ensure your financial foundation is in place, what colleges would be of interest to your child, and how much you could contribute towards a college savings account.

They begin by discussing the importance of starting early when it comes to saving for college. Danny emphasizes the need to build a college list and get an idea of the pricing to start getting your mind wrapped around the expenses. They also have a conversation about whether or not you should pay for all of your child's college expenses and the importance of setting expectations around college payments.

Danny explains the benefits of a 529 plan and how it can save you a lot of money in the long term on taxes. He also touches on legacy planning that can go with a 529 plan since you can pass the money around as a beneficiary.

The episode wraps up with Skyler and Danny discussing the documents you should be aware of and how to prepare as college is approaching. They also touch on how to balance your goals of saving for retirement and saving for college expenses.

Overall, this episode provides great insights and takeaways for those looking to plan for their child's future college expenses.

The Money Talking points for today’s episode are:

1. What steps do I need to take to ensure my financial foundation is in place?
2. If your financial foundation is in place, do you want to save your kid's future college expenses?
3. What colleges would be of interest for my kid to go to college?
4. How much could I contribute towards a college savings account?

We all get better at money by talking about money. So let's talk to Darrion Goley, who is a 14-year-old pastor! He has a lot of great insight to share when it comes to working hard and having your money work hard for you. You'll really want to hear what he has to say about how his view on money has been shaped by his upbringing. Plus he shares a great weekly practice that I think can help anyone when it comes to improving your financial situation.

The Money Talking points for today’s episode are:

1. What 3 goals can I set for this week?
2. How did your parents impact your view on money?

Contact Darrion

What do you do when you can't stop stressing about money? Take a break and reflect on the situation! Tobi and I are going to talk all about the value in taking a break. It makes your life much better. My favorite tip? Go on a walk! It can help a lot. Instead of doing nothing but stressing for 10 minutes take a walk for 10 minutes. You'll get the same amount of stuff done but your head will be much clearer and less frustrated.

The Money Talking points for today’s episode are:

1. What is a money situation that you could benefit from a break from thinking about it?
2. How would you rather spend your time rather than spend it stressing about money?
3. Who can you talk to to find out how to overcome your money stress?

If you’ve ever worked in the service industry you understand how tips play a role in your income. You likely also understand how personal finance information can sometimes not work for you and a fluctuating income. Today I have Barbara Sloan the author of Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals on the podcast. We are going to be talking all about some great sound financial advice for anyone working on a fluctuating income. This interview helped open my eyes to the gap that service industry professionals are left in when it comes to personal finance advice. Barbara and her book do a great job filling that gap. Be sure to check out her information in the show notes. This is going to be a good interview today!

The Money Talking points for today’s episode are:

1. What new insights about the service industry and personal finance did I gain from this episode?
2. Who is someone in the service industry that I could share this episode or Barbara’s book with?

Find Barabar Sloan online with the following links

Have you ever wondered why you stress about money? Is it possible to be stress-free when it comes to money? Today's episode is all about money and stress!

The Money Talking points for today’s episode are:

1. What financial questions do I have that I can ask someone?
2. What is my personal way that I can feel relaxed about money?

Find Matt Paradise online and be sure to check out his book!

Ever wondered how to start a money conversation? Rebecca and Dylan who make us the RADCOACHES join me in today's episode to talk all about how to get started when it comes to talking about money. We're going to focus on talking about money in a marriage but today's episode still applies to everyone. It's a great one so be sure to share with a friend.

We cover some great questions like:

• Why is it important to talk about money?
• What harm can come from not talking about money?
• What if one spouse wants to talk about money and the other doesn't?
• Should money talks be spontaneous or planned?
• How do you talk about complex subjects like debt?
• Does talking about money get easier?

The Money Talking points for today’s episode are:

1. What money topic can I start talking about today?
2. Where do I want to go and what financial obstacles are in the way?

Want to learn more from the RADCOACHES? Check out their website, podcast, and social media!

Why should you think about Christmas in the summer? We just had an episode about prepping for summer and now I’m telling you to prep for Christmas? That seems a bit crazy. It is! But also it is so helpful. Christmas comes at the same time every year but it always breaks people’s budgets. How can sinking funds or buckets help with Christmas? Do sinking funds last? What is the purpose of them?

We cover a lot that can be really helpful when it comes to planning for Christmas or any regular annual expense. Even some tips on how to save money on gas!

The Money Talking points for today’s episode are:

1. What would your Christmas be like if you started saving now?
2. What other ways can you use a sinking fund or buckets to save for future expenses?

Thank you to my wonderful wife for coming on today's podcast!

Summer is right around the corner and that brings increased expenses. Both in terms of air conditioning and vacations! Do you spend to keep up with your friends and families on trips or going out every weekend? What should you consider during the summer? What are the benefits of planning for the summer? Will you lose friends if you say that you don’t want to participate as much or that you need to find cheaper options? Chris Chapman joins me today to talk about all those things. This is going to be a great episode! The Money Talking points for today’s episode are:

1. What step would be most useful for me in prepping my money for the summer?
2. Do I have realistic expectations set for how I am going to spend money this summer?

Can money buy happiness? How can you balance happiness and money? What small steps can you take to improve your financial situation to lead to more happiness? These are great questions and more with Ryan DeMent.

I've been on Ryan's podcast before but now it is his turn to come on my show. This is a great conversation that would be valuable to share with someone and have a money talk about how to be happy with money. This could lead to some powerful and eye-opening conversations.

The Money Talking points for today’s episode are:

1. What steps can I take today to help build or sure up my financial foundation?
2. What could I do to improve my happiness without money?

Find Ryan DeMent online with his podcast and website

Automation can benefit you in a lot of ways. It can reduce stress because you know to trust that everything is going to the right place. It can make many decisions more manageable because you know that your money is working for you in the right way. But even better, it's easy to set up! You don't have to do it all at once either. You can start with those small and simple steps and build momentum toward your automatic wealth journey.

Should you be saving for the future? Can you get wealthy just by saving? (Hint: the answer is NO) Is it too late to start saving? We have a fantastic interview today with Jasper Smith about saving for the future! We talk about building wealth, investing, saving, spending, and the personal side of money. You won't want to miss this episode or miss the opportunity to have good money talk with someone by sharing with a friend!

Money is a common cause of fights in marriage and divorce later down the road. How do you protect your money to prevent a divorce or during a divorce? We talk all about that in today's episode. Both prevention and then what to do if you do find yourself in a divorce.

In this episode, we discuss the five things you should consider when paying for a car, including interest rates, opportunity cost, cash flow, depreciation, and credit score. We explain how interest rates work and the concept of opportunity cost. We also talk about cash flow and whether paying for a car upfront would strain your finances. We discuss depreciation and how financing a car can result in owing more than it's worth. Finally, we explain how financing a car can impact your credit score and offer tips on how to build credit without paying interest. Be sure to share today’s episode and have a money talk about paying for your next mode of transportation!

The Money Talking points for today’s episode are:

1. What are other ways that I could use the money that I would use to pay for a car?
2. Are there cheaper alternatives to owning a car that may be beneficial to my financial life?

Dave the Scholarship Coach joins me today to talk all about finding scholarships. We are going to talk about how you get started, the tools and ways to stay organized, writing your personal narrative, and the FAFSA! A great money talk coming up here shortly. Be sure to check out Dave’s website and contact him if you have any questions about scholarships!

We cover a lot of great things in today's episode with guest Kelly Sjostrom! Be sure to share our conversation with a friend and then go and have a money talk of your own. But some of the things you can look forward to in today's episode are:

• Sinkings Funds
• Automation
• Budgets
• The OK to spend money
• How to set realistic savings goals
• The importance of tracking your income and expenses

Find Kelly Sjostrom online!