Money Talk with Skyler Fleming

In this week’s episode, I’m joined by Danielle Reese, founder of the Better Budgeting Playbook and host of the Better Budgeting Podcast. We’re diving deep into the world of written spending plans—why they matter, how to build one, and how they can actually make your financial life feel freeing instead of restrictive. Whether you’re just getting started or looking for ways to level up your current budget, this episode is packed with practical insights and relatable real-life stories (including a couple of flat tire horror stories 🙃). Danielle and I talk about the emotional side of money, how to stop living paycheck to paycheck, and how simple habits like writing things down and setting up automation can lead to real financial peace.

Money Talking Points for This Episode:

1. How can you use a spending plan to reach your goals?
2. What are some ways you can write things down so you don’t forget them?
3. How do you make sure automation actually helps your finances?

Episode Highlights & Timestamps:

[04:15] – Budget vs. spending plan: what’s the difference and why it matters

[05:20] – Why written plans bring more freedom than restriction

[06:00] – The mountain analogy: breaking goals into achievable steps

[07:15] – Emergency fund talk: how to turn chaos into calm

[10:30] – Do you need a professional to start budgeting?

[11:15] – Step-by-step: how to build your spending plan from scratch

[13:00] – The bank statement exercise: how to start with real data

[15:00] – Danielle’s 3-account system: bills, spending, and savings

[22:00] – “I don’t forget anything because I don’t try to remember anything” 😅

Resources & Mentions:

In this episode of Money Talk, I sit down with Ron Turba to dive into how financial success has evolved over the generations—and why the old playbook just doesn't work for us anymore. We talk about how our parents’ path to the “American Dream” no longer applies in a world of rising costs, stagnant wages, and radically different opportunities. Ron brings a wealth of knowledge from the financial world and helps us reframe what success looks like today. From redefining goals to embracing new income streams, this conversation is all about moving forward with intention. If you’ve ever felt stuck trying to match your parents’ version of success, this episode is for you.

Money Talking Points:

1. Where do you feel like financial success is different for you than it was for your parents?
2. How can you break out of your current situation to increase your income?
3. How can writing down your goals help you?

Key Time Stamps:

[00:00] – Intro: Why financial success looks different now

[03:00] – What financial success meant to past generations

[04:30] – The danger of chasing success at the expense of your soul

[06:45] – What caused the shift from "get a job and retire" to today’s hustle culture

[08:15] – Why adapting is crucial—and how younger generations are already doing it

[09:30] – Debunking the “avocado toast” myth with real numbers

[11:00] – The power of entrepreneurship and side hustles

[13:00] – How mindset opens doors (literally)

[14:30] – Helping friends shift their financial mindset

[15:45] – Where does money come from? People. Why connection matters more than ever

[17:00] – When budgeting becomes limiting instead of freeing

[19:15] – Learning from past generations: Enjoy your money!

[21:30] – Setting short-term goals to build long-term growth

[23:00] – Breaking through inherited beliefs and growing from your financial past

[26:00] – Ron’s takeaway: "Money has to flow."

Links & Resources:

In this episode, I’m joined by Cody Garrett, founder of Measure Twice Money. Cody and I talk about what it means to help others with money in a way that’s human, empathetic, and not transactional. We talk about how to start talking about money—whether that’s with friends, family, or your fellow money buddies—and why so many people hold back from having these important conversations. Cody shares his journey from being a full-time musician to becoming a financial planner, and why he’s passionate about education, generosity, and giving people the confidence to manage their own money. Whether you're new to money conversations or looking for a more values-aligned way to help others, this episode will give you encouragement, clarity, and heart.

The Money Talking Points

1. How can we avoid an echo chamber with money?
2. How can you dip your toes into talking about money?
3. Who can you teach about money to help you learn it twice?

Time Stamps for Key Topics00:00 – Welcome and intro to today’s episode + money talking points04:00 – Cody’s backstory: from music major to financial planner06:15 – The early career pressure to sell vs. actually serve09:30 – Cody’s "education-first" philosophy and how he started giving away his process11:40 – Why he believes financial planning is inherently generous14:25 – The financial trauma and emotion people bring into money conversations18:30 – The three biggest fears that keep people from talking about money21:55 – How Cody defines success in his work today24:40 – Why giving away resources can build trust—and real change29:15 – Cody’s advice to anyone wanting to start helping others with money32:00 – Wrap-up: small ways to begin a money conversation with someone you know

In this episode of Money Talk, I sit down with CFP® Eric Brotman to break down one of the biggest financial questions: How much do you actually need to retire? Eric shares insights on what retirement really means, how to calculate your financial independence number, and why aiming for 100% of your pre-retirement income might be the best strategy. We also talk about practical ways to start saving, the power of time in investing, and how automation can set you up for financial success. Whether you’re just starting out or looking to refine your retirement plan, this episode is packed with actionable advice. Let’s dive in!

Money Talking Points:

1. What would work optional mean to you?
2. How can you take the next step up in your savings?
3. How can automation help you get started?

Key Time Stamps:

• [00:00:00] - Introduction and why retirement planning matters for everyone
• [00:03:00] - What retirement really means today (Hint: It’s not just about quitting work!)
• [00:05:00] - How to calculate how much you need for retirement
• [00:10:00] - Should you plan for early retirement or adjust as you go?
• [00:14:00] - The balance between enjoying life now and saving for later
• [00:17:00] - Why a written financial plan helps keep you accountable
• [00:19:00] - The power of automation in savings and investing
• [00:22:00] - Why time is the biggest advantage young investors have
• [00:25:00] - The benefits of Roth accounts and tax-free retirement income
• [00:28:00] - How to find the motivation to start saving at any age
• [00:30:00] - Final thoughts and where to connect with Eric Brotman

Resources & Mentions:

This week we’re tackling one of the biggest financial questions out there: Is college unaffordable? I sat down with Shymika Davison, founder of Pre-College Solutions, to break down the myths, challenges, and strategies around paying for higher education. Whether you’re a student, a parent, or someone thinking about going back to school, this episode is packed with insights to help you make smarter financial choices when it comes to education.

We discuss the financial lies people believe about paying for college, the different methods students and parents can use to cover tuition without drowning in student loans, and why having a solid plan is absolutely essential. If you or someone you know is thinking about college, this episode is a must-listen!

Money Talking Points:

1. How does your job impact your financial situation?
2. What other options are available for education?
3. What plan do you have to pay for college?

Key Topics & Timestamps:

[00:00:00] Introduction to the episode and guest, Shymika Davison

[00:02:00] Financial myths about paying for college

[00:03:00] The truth about FAFSA and why it might not cover everything

[00:05:00] The reality of working your way through college

[00:07:00] Ways to pay for college without loans

[00:08:00] The importance of scholarships and where to start

[00:10:00] Finding your niche to make college more affordable

[00:12:00] Is college truly unaffordable? Or are there better ways to approach it?

[00:14:00] Why planning early is key for students & parents

[00:15:00] Student loans: The last resort and the hidden dangers

[00:19:00] Scholarship strategies & tips for applying

[00:26:00] The ‘Two-for-Two’ college payment strategy for parents

[00:29:00] Why Parent PLUS loans should be avoided

[00:31:00] Final thoughts & key takeaways from the episode

Resources & Mentions:

In this episode of Money Talk, I sit down with Warren Miles-Pickup to discuss one of the most important (and often tricky) topics in personal finance—work-life balance. Warren shares his journey from a high-stress finance career to entrepreneurship, all in pursuit of a more balanced and fulfilling life. We dive into the warning signs of burnout, how to set healthy boundaries at work, and the surprising financial parallels between balancing your time and managing your money. Whether you’re early in your career or a seasoned professional, this conversation is packed with insights to help you rethink how you approach work and life.

The Money Talking Points for this episode are

1. How is your work-life balance?
2. How can you have a better work-life balance?
3. What does work-life balance mean to you?

⏳ Key Takeaways & Time Stamps

[00:01:00] – Introduction: Why work-life balance matters

[00:02:30] – Warren’s story: Leaving finance to reclaim his time

[00:05:00] – The burnout warning signs to watch for

[00:09:00] – Why young professionals feel pressured to overwork

[00:12:00] – The myth of the hustle culture on social media

[00:16:30] – Practical ways to set work-life boundaries

[00:18:00] – The power of saying “No” (and how to do it well)

[00:21:00] – Signs that your work-life balance is slipping

[00:25:00] – Why personal passions make you better at work

[00:27:00] – The importance of taking PTO and truly unplugging

[00:30:00] – Warren’s biggest lesson: Work-life balance is a pendulum

📌 Links & Resources

In this episode of Money Talk, I sit down with Scott Yamamura, author of Financial Epiphany, to dive deep into the psychology of money and how our mindset plays a crucial role in financial habits. If you've ever wondered why it feels impossible to break certain spending habits or why managing money isn’t just about math, this episode is for you. Scott shares insights on the cultural influences behind overspending, the power of visualization in financial planning, and how understanding compound interest can set you up for long-term success. This conversation is packed with actionable tips to help you shift your mindset and take control of your finances!

Money Talking Points

1. What do you see everyone else doing that you want to stop?
2. What crisis are you trying to avoid?
3. What can you start visualizing to help your finances?

Key Topics & Timestamps

[00:00] Introduction – Money is more than just math

[02:00] Meet Scott Yamamura and his mission to simplify financial messaging

[04:30] Why overspending is more than just a bad habit

[07:00] The “cliff” analogy: How cultural norms lead us into financial crisis

[10:30] The power of mindset: How motivation and confidence shape financial success

[12:45] Investing young: The multiplying power of compound interest

[16:00] How to visualize your money: Tracking expenses, net worth, and investment growth

[20:30] The power of community in financial success

[25:00] Actionable steps: Starting with a 401(k), tracking net worth, and using financial tools

[28:00] Scott’s final advice: The one thing he wishes he knew sooner

Resources & Mentions

This week, I’m joined by TJ van Gerven, a financial planner and founder of Modern Wealth Builders, to talk about how young adults can get started with investing—even when money feels tight. We cover everything from the best first steps to investing to simple financial planning strategies and even touch on Bitcoin and how to avoid financial pitfalls.

If you’ve been feeling stuck or overwhelmed about where to begin, this episode is packed with actionable steps to help you start building wealth now.

The Money Talking Points for this week are:

1. What small thing can you do to get started with investing?
2. How can you invest simply?
3. What simple financial planning step can help your finances now?

Timestamps & Key Takeaways

[00:01:00] – Meet TJ van Gerven

• TJ’s background and why he started Modern Wealth Builders
• His mission to help millennials achieve financial flexibility

[00:03:00] – The Biggest Challenges for Young Adults & How to Overcome Them

• Why investing feels so hard when you’re just getting started
• The importance of tracking your money
• How living below your means is the foundation of investing

[00:06:30] – The Power of Tracking Your Spending

• How tracking your expenses reveals where to cut back
• My high school experience of discovering how much I spent on eating out 🤯
• Use tracking as a tool, not a restriction!

[00:09:00] – Investing for the First Time: Where to Start

• Why a Roth IRA is an awesome first investing account
• The Rule of 72 and how to double your money over time
• Understanding tax-free growth vs. traditional investing accounts

[00:12:00] – How to Invest Simply Without Overthinking It

• The easiest way to get started: S&P 500 or total world index funds
• Why automating your investing makes a huge difference

[00:16:00] – Avoiding Common Investing Mistakes

• Don’t fall for meme stocks and crypto scams 🚨
• Why timing the market is impossible—just keep investing
• Understanding market dips and why they’re normal

[00:19:00] – Should You Consider Bitcoin?

• TJ’s take on Bitcoin vs. other cryptocurrencies
• The history of Bitcoin and why it’s unique
• How Bitcoin compares to gold as a store of value

[00:22:00] – Financial Planning for Young Adults & Couples

• Why you and your partner should combine financial goals
• How to set up joint accounts while maintaining independence
• The importance of tax planning & risk management

[00:27:00] – What Simple Financial Planning Step Can Help You Now?

• Emergency funds turn financial stress into minor inconveniences
• Budgeting on last month’s income for financial peace of mind
• Why a written financial plan makes saving and investing easier

Resources & Mentions

This week, we're diving deep into savings buckets (aka sinking funds) and how they can transform your money mindset. I’m joined by Therese Nicklas, a wealth coach who specializes in helping high-achieving women create financial freedom as they transition out of the corporate world.

If you’ve ever struggled with feeling like you don’t have enough money, or if big expenses stress you out, this episode is for you. Learn how setting up simple savings buckets can help you spend guilt-free, reduce financial anxiety, and develop long-term financial confidence.

Money Talking Points

1. How can a simple savings bucket improve your money mindset?
2. What savings target can you begin to use a bucket for?
3. What money mindset did you inherit from your family?

Key Topics & Timestamps

[00:00] – Introduction to the episode & why savings buckets are a game-changer

[02:30] – What is a savings bucket? (And why Therese prefers this term over "sinking fund")

[04:45] – How to set up your first savings bucket (simple steps to automate your savings)

[07:30] – The psychology of separate accounts & why they work

[11:15] – Using savings buckets for regular expenses (not just big purchases!)

[15:45] – Finding balance: Can you have too many savings buckets?

[18:30] – Overcoming a scarcity mindset & shifting your money mentality

[23:00] – The power of accountability – why you need a money buddy or a coach

[26:15] – Common mistakes people make with savings & how to fix them

[32:00] – Final takeaways: Start today & find support to stay on track

Resources & Links Mentioned

In this episode, we dive into a fascinating conversation with Bri Conn, the Chief Experience Officer at Child Free Wealth. We explore how financial planning looks different when you don’t have kids—whether by choice or circumstance. From legacy planning to financial independence and lifestyle choices, Bri shares incredible insights for anyone navigating money without children.

The money talking points for this week are:

1. What opportunities does not having kids allow people with their money?
2. How can you have healthy money talks with everyone in your life?
3. How could FILE work for you?

Key Topics & Time Stamps

🕒[00:00] - Introduction & What This Episode Covers

🕒[02:00] - Meet Bri Conn & Understanding the Terms “Child-Free” vs. “Childless”

🕒[05:00] - How Money Conversations Differ for Those Without Kids

🕒[07:00] - Setting Boundaries with Family Regarding Money & Caretaking

🕒[09:00] - Estate Planning & Why It’s Critical for the Child-Free

🕒[12:00] - The Power of Writing Down Your Financial Plan

🕒[14:00] - What Is FILE (Financial Independence, Live Early)?

🕒[17:00] - How Child-Free Individuals Can Use Their Money Differently

🕒[20:00] - Thinking About Legacy Without Children

🕒[24:00] - How to Enjoy Your Money Now Without Guilt

🕒[30:00] - Money Talking Points & Final Thoughts

Resources Mentioned

In this episode. we dive into the power of intentional budgeting with Zach Whelchel, founder of My Budget Coach. Zach shares his journey from not budgeting at all to using a zero-based budgeting system that transformed his financial life. We also discuss how budgeting strengthens relationships, creates financial freedom, and empowers people to be proactive instead of reactive with money.

If you’ve struggled with budgeting or want to help others learn, this episode is packed with practical advice, real-life examples, and tools to help you get started. Plus, we discuss how you can teach budgeting to others and even turn financial coaching into a side hustle or career!

The money talking points for this week are:

1. How do you like to budget?
2. How can you teach others about budgeting?
3. How can your budget help you be proactive vs reactive?

Timestamps:

⏳ [00:00] – Welcome & Episode Introduction

⏳ [02:00] – Meet Zach Whelchel: Entrepreneur, Software Developer, and Budgeting Advocate

⏳ [03:00] – Why Zach and His Wife Started Budgeting (After Years of Not Doing It)

⏳ [05:00] – The Game-Changer: Moving to a Zero-Based Budget

⏳ [07:00] – Being Proactive vs. Reactive with Your Money

⏳ [10:00] – How Budgeting Helped Zach & His Wife Buy Rental Properties and Start a Business

⏳ [12:00] – Overcoming the Overwhelm: How to Start Budgeting Without Stress

⏳ [14:00] – The Best Budgeting Tools: My Budget Coach, YNAB, & More

⏳ [18:00] – Teaching Others About Budgeting: From Churches to Libraries to Online Coaching

⏳ [21:00] – How to Talk About Budgeting with Friends & Family Without Sounding Preachy

⏳ [25:00] – Teaching Kids About Money: Zach’s $2 Trick

⏳ [27:00] – Final Advice: What Zach Wishes He Knew in His 20s About Budgeting

Resources & Links

This week, we dive deep into goal-setting strategies that actually work. Whether you’ve already ditched your New Year’s resolutions or are just looking to reset your goals, this episode is packed with actionable insights to help you stay on track. My guest, Derrick Kinney, brings his expertise as “America’s Financial Educator” to share proven techniques for achieving financial and personal success.

The money talking points for this week are:

1. What does your ideal year look like?
2. What is a goal you would want and what pain would it cause to not achieve it?
3. What goals do you need to reset?

Find Derrick Kinney online

In today’s episode I’m joined by Jessica Patel, creator of the Groove financial wellness app, to unpack why getting started with money feels so overwhelming. From emotional roadblocks like fear and shame to practical tips for setting small, achievable goals, Jessica shares invaluable insights to help you take control of your finances. We also dove into ways you can begin to retrain your brain and start making progress with your money!

If you’re ready to overcome those initial hurdles and start building better money habits, this episode is for you.

Timestamps:

In this episode we into managing gift cards, subscriptions, and organization with Dr. Frank Buck, a globally recognized expert in time management and organization. We discuss the traps of unused gift cards and forgotten subscriptions that slowly drain your finances. Dr. Buck shares practical methods for staying organized, like setting up a “tickler file” for your gift cards and tracking subscriptions with tools like Evernote or Google Calendar. Together, we explore simple strategies to save money, reclaim control over automatic payments, and reduce stress in managing your personal finances.

The money talking points for this week are:

1. Have you ever lost money to a subscription or gift card?
2. What steps can you take to get organized with your finances?
3. What did you learn about organization that you can share with a friend?

In this episode, I sit down with Nick Garofalo, CFP candidate and founder of Open Handed Wealth, to discuss the concept of “spaving,” or spending to save, and how businesses use this tactic to influence our financial choices. We dive into the psychology behind marketing strategies like BOGO deals, the importance of aligning spending with your values, and how to make intentional financial decisions. Nick also shares actionable tips for managing expenses, identifying priorities, and resetting spending habits through practices like no-spend weeks.

Timestamps

[00:00:00] What is spaving?

[00:02:00] Meet Nick Garofalo.

[00:04:00] How businesses influence your spending.

[00:10:00] Are spaving deals worth it?

[00:14:00] Spending aligned with your values.

[00:19:00] Tracking your expenses for clarity.

[00:25:00] The power of no-spend weeks.

[00:30:00] Spending intentionally for joy and purpose.

The money talking points for this week are:

1. Have you ever spaved?
2. How can a no-spend week help me?
3. What is something I enjoy purchasing intentionally?

In this episode, I chat with Hanna Morrell, a trauma-informed financial coach, about the role social media plays in shaping our financial decisions. We explore how FOMO impacts spending, the dangers of bad advice online, and ways to build healthier financial habits. We also discuss tools and strategies for curating better financial content and aligning your money choices with your values.

Timestamps

0:00 – Introduction: Welcome to the episode and updates on my email list.

1:10 – Guest introduction: Hanna Morrell shares her journey and coaching philosophy.

2:30 – How social media drives FOMO and unhealthy comparisons.

5:40 – Recognizing faulty financial advice and avoiding emotional decision-making.

8:20 – Identifying patterns in financial behavior and breaking them without judgment.

10:50 – Tips for evaluating financial advice and spotting scams online.

13:00 – The long-term impact of bad financial advice and how to trace its roots.

16:20 – Positive aspects of social media for fostering financial conversations.

18:50 – Building financial awareness and focusing on curiosity.

24:10 – Tools for identifying personal values and aligning them with money habits.

27:30 – Hanna’s advice for her younger self and key takeaways from the episode.

In this episode of 'Money Talk with Skyler Fleming,' Skyler discusses the concept of Coast FI with guests Matt and Yana from the Coast FI Couple podcast. Coast FI is explained as reaching a point where one's investments are sufficient to support retirement without needing further contributions. The episode emphasizes the benefits of Coast FI, including financial flexibility, reduced stress, and the ability to prioritize both current and future goals. Matt and Yana share their personal journey, the importance of budgeting and tracking expenses, and tools like Cube Money that have helped them manage finances effectively. The conversation provides actionable insights for listeners to consider their own path to Coast FI, stressing the value of financial independence and intentional living.

01:16 Meet the Coast FI Couple

02:31 Diving into Coast FI

05:04 Understanding Coast FI

09:01 The Journey to Coast FI

15:00 Balancing Life and Finances

25:18 Achieving Financial Flexibility

30:03 Living the Budget Daily

33:31 Making Budgeting Fun

37:41 Starting Financial Conversations

45:06 Steps to Financial Independence

49:39 Envisioning a Post-Coast FI Life

51:51 Getting Started with Coast FI

53:49 Conclusion and Final Thoughts

The money talking points for this week are:

1. What would it mean for you to be able to choose to work?
2. What would you like to prioritize now instead of investing in the future?
3. What steps do you need to take to get started with CoastFI?

In this week's episode of Money Talk with Skyler Fleming, we dive into the world of cryptocurrency for the first time. Special guest Jacob Frantz, co-founder and CEO of Sensible, joins the show to explain the basics of cryptocurrency, the differences between traditional bank accounts and crypto, and why crypto can seem so complex. The discussion also covers various aspects like mining, staking, and the importance of understanding volatility in crypto investments. Jacob shares valuable insights on how Sensible offers a high-yield account for cryptocurrency, highlighting its benefits and how it operates. For those new to crypto or looking to expand their knowledge, this episode provides a comprehensive guide to understanding and navigating the crypto landscape.

00:00 Introduction to Crypto with Jacob France 02:38 Understanding Cryptocurrency and Blockchain 03:50 Differences Between Digital Bank Accounts and Crypto 08:18 Investment vs. Speculation in Crypto 13:13 Crypto Volatility and Emotional Management 17:39 Crypto Mining and Staking Explained 22:58 Introducing Sensible: High-Yield Crypto Accounts 27:36 Final Thoughts and Practical Advice 37:00 Conclusion and Next Steps

The money talking points for this week are:

1. How can you use cryptocurrency in your portfolio?
2. Why would or wouldn’t saving money through crypto in a savings account be a good idea?
3. How do you manage to keep tabs on crypto without feeling fomo?

In this week's episode of Money Talk with Skyler Fleming, we are joined by special guests Gwen and Tim Joiner to delve into the concept of Financial Independence Retire Early (FIRE). The episode covers an introduction to FIRE, tips for starting conversations about FIRE with friends and spouses, and practical steps for young adults to begin their journey toward financial independence. Gwen and Tim also share personal experiences and advice on making the transition smoother within relationships and in the workplace. Don't miss out on learning actionable insights for stepping into your financial independence journey!

00:00 Introduction to FIRE and Today's Guests 01:23 Meet Gwen and Tim Joyner 02:27 Diving into Financial Independence 04:07 The Benefits and Challenges of FIRE 12:11 Discussing FIRE with Friends 20:14 Talking Money in Marriage 30:59 Navigating Financial Dynamics in Relationships 32:33 The Advantages of Starting Young in FIRE 34:36 Simple Steps to Begin Your FIRE Journey 37:42 Gwen and Tim's FIRE Projects 39:48 Advice to Our Younger Selves 42:03 Money Talking Points and Final Thoughts

The money talking points for this week are:

1. How can you start talking about FIRE with those around you?
2. What step of FI are you on?
3. What small step can you take to help get on the path to FI?

In this eye-opening episode, we’re joined by returning guest Dana Miranda, personal finance journalist, author of You Don’t Need a Budget, and creator of the Healthy Rich newsletter. Together, they challenge the traditional narratives around money management, including budgeting, debt, and investing. Dana shares insightful perspectives on how our cultural approach to money often leans on restriction and shame, and she offers empowering alternatives to create a healthier relationship with finances.

Key Takeaways:

Budgeting Doesn’t Have to Be the Only Answer:

• Traditional budgeting, rooted in restriction, can sometimes harm our relationship with money.
• Alternatives like the money map or a yes fund offer intuitive and empowering ways to manage money without feeling constrained.

Avoid Blanket Financial Advice:

• Financial advice that assumes a “one-size-fits-all” approach can ignore individual needs and circumstances.
• Focus on personal goals and values to make financial decisions that align with your lifestyle.

Reframing Debt:

• Debt can be a valuable tool when used thoughtfully to support life goals.
• Understanding the mechanics of debt products (e.g., interest rates, credit score implications) is key to using them wisely and avoiding unnecessary stress.

Investing Beyond the Norm:

• While low-cost index funds are widely recommended, they are not the only path to growing wealth.
• Alternative options, such as peer-to-peer lending and community investments, may align better with personal ethics or goals but often come with more risk.

Cultural and Systemic Barriers:

• Many financial challenges stem from systemic issues, not personal failings.
• Awareness and education can empower individuals to navigate these barriers more effectively.

The money talking points for this week are:

1. Do you view budgeting in a way that’s damaging to your relationship with money?
2. What does your money map look like?
3. How can you use debt to support your life goals?

Thanks for being a part of the Money Buddies! Money Talk with Skyler Fleming is back and better than ever. This trailer goes over what you can expect to hear from Money Talk with Skyler Fleming each and every week!

In today’s episode, we are talking with Devon Shaw who got started young with his FI journey. In today’s episode we talk all about how it’s possible for young adults to get started with FI even when they may not be in a money making stage. We talk all about the real power of FI and the mindset of intentionality it brings to your life. While most people you talk to may laugh a little bit or thing your earlier and bigger than normal dreams are unattainable. Everyone who has done the math or a deep dive into FI knows that it is certainly a possibility and a reality for many people. So join me and Devon as we talk about financial independence and how to start money talks around it with your friends in today’s episode.

The Money Talking points for today’s episode are:

1. How can you develop a mindset of intentionality?
2. What is a small financial habit that you can start building now?

In today’s episode, we are talking about a bad word! BUDGET! Did that just make you shiver and shake in your boots? If you really hate the word budget that much then today’s episode is just for you. We are going to talk about the control that you can have over your money because of budgeting and tracking. You may feel like budgeting is like dieting and Kayla Francis and I talk about just that in today’s interview. How can you avoid that bad diet feeling with your budget? Learn just how in today’s episode.

In today’s episode, we are talking with Julia Carlson about the anti-budget. Julia recently authored the empowering book, "Money Loves You," offering insights that transcend traditional financial wisdom. Our discussion on the anti-budget today is going to be great for anyone listening and especially great for those who you share it with and have a money talk with. We also talk today about how a money buddy can be helpful for you to improve your financial mindset. Which means find someone who you can talk about money with. If you aren’t sure of who you could talk to about money, reach out to me.

The Money Talking points for today’s episode are:

1. What expenses have you made recently that annoy you?
2. How can financial discipline help you find freedom?

In today’s episode, we’re talking about why we are so commonly scared of our money and how we can begin to overcome bad money beliefs. There’s a lot of great insight from today’s episode. Meghan Dwyer is a Certified Financial Planner and host of the ‘Money Isn’t Scary’ podcast. After spending 15 years watching women take a passive role in the management of their money, she’s on a mission to help them stop playing small. By challenging the societal norms around women and money, Meghan aims to empower women to make money decisions out of a sense of abundance and confidence, rather than scarcity and fear. When Meghan isn’t working, she loves running, writing, and being a mom to her two young boys.

Meghan really brings a lot of great insights into today’s interview and I know you are going to like it. So as we get started here make sure to be thinking about what you can takeaway from today's episode and have a money talk with someone. I’d also love to hear how you talk about money with those around you. Please reach out if you regularly have money talks with a friend, coworker or most importantly your spouse. I’d love to gather some ideas on different ways to have money talks.

The Money Talking points for today’s episode are:

1. What are your 2-3 values that you enjoy spending on?
2. Do you feel guilty about your spending?

Find Meghan online at moneyisntscary.com

In today’s episode, we are talking with Hannah Tackett about burnout. Some of us may have experienced burnout but some of us might not have experienced it fully yet. So today’s episode is going to talk about both burnout itself as well as how to get ahead of burnout. I want this episode to be a guiding light to help you avoid burnout because if we can keep it from ruining jobs we like that would be great! Often people feel like they need to leave a job they love because they got burnt out from it. So please use today’s episode as a way to get ahead of burning out at work or whatever you do in your life. A key piece that I took away from today’s interview is the 5 success traps that we often lay for ourselves that lead to burnout. So make sure to have a pen and paper ready for this one because I know you’re gonna want to take notes and review what you learn today.

The Money Talking points for today’s episode are:

1. Do you have any symptoms of emotional erosion?
2. Are you prone to any of the 4 success traps?

In today’s episode, we’re recapping the last 3 years with some of the main topics and themes that we’ve talked about on the show. 3 years is a long time and today marks that 3 year point of my podcast! Today’s episode is going to be a short bonus one just to think back on some of the things that we’ve learned over the last 3 years. But always remember to reach out if you ever have any questions!

The Money Talking points for today’s episode are:

1. What have you learned about money over the last 3 years?
2. Who can you start a money talk with today?
3. What is a basic step that you’d like to take with your money to do better over the next few years?

In today’s episode, we’re talking a lot about budgeting! Should you even do it? The Bartells are joining me today to discuss just this. We discuss why budgeting is crucial, how to handle money during tough times, and the importance of an emergency fund. Tune in to learn how a budget can empower you, avoid debt, and even set your spending free. Don’t miss this back-to-basics conversation packed with valuable insights.

In this episode, I chat with Alan Lazaros about the power of simplicity in managing your money. Alan shares how keeping things simple and consistent, like tracking your spending daily, can make a huge difference. We talk about avoiding overwhelm by focusing on basic habits and how even small changes can lead to big results over time. Whether you're just starting out or looking to refine your financial habits, this episode is full of practical tips to help you succeed.

The Money Talking points for today’s episode are:

1. What area of your finances could benefit from a simple system?
2. What commitment devices can you use to help your finances?

In this episode of Money Talk, I sit down with my wife, Rebecca, to discuss how we’ve been saving for our dream trip to Hawaii. After years of careful planning, budgeting, and smart use of credit card rewards, we’re finally on our way. We dive into the strategies that have allowed us to make this trip not only possible but stress-free, like setting up sinking funds and treating our savings goal like an essential bill. Rebecca also shares her excitement about finishing PA school and the relief of taking a well-deserved break after her board exams. If you’re looking for tips on how to plan for big expenses or just want to hear about our journey, this episode is packed with insights on balancing fun and financial goals. Join us as we talk about how saving ahead has given us the freedom to enjoy life now and in the future.

The Money Talking points for today’s episode are:

1. What’s a goal a few years down the road that you can start saving for now?
2. How can you use credit cards to make your future spending easier?

In this episode, I chat with Soon Yu about the surprising benefits of friction in managing our finances. We dive into how intentional friction, like saving habits and security measures such as double verification, can enhance our financial health by promoting discipline and protecting against fraud. Soon also points out the downsides of automation, like unmonitored spending, and the importance of keeping some manual processes to stay aware of our expenses.

We also discuss how friction in financial systems, like the concept of scarcity and complex tax codes, supports economic stability. Soon explains how brands like Apple use friction to create memorable customer experiences and how accreditation requirements ensure our financial advisors are trustworthy. Tune in to discover how a bit of friction can positively impact your financial well-being.

The Money Talking points for today’s episode are:

1. What point of friction would I like to add to my life?
2. What areas are so seamless it’s harmful?

In this episode of Money Talk, I delve into the 60/40 principle with Janine Bolan, a biochemist turned financial educator. Janine shares her journey of creating this principle to help her family live on a single income after transitioning from a two-income household. The 60/40 principle is a straightforward approach where 60% of found money (unexpected income like bonuses and gifts) goes into your checking account, while the remaining 40% is divided equally among short-term savings, long-term savings, philanthropy, and charity or spirituality. Janine emphasizes starting with found money to gradually build the habit of saving before applying the principle to your regular income. This method not only aids in habitual saving but also helps in reducing debt. If you're looking to improve your financial situation and develop a strong saving habit, this episode is packed with valuable insights and practical advice. Tune in to learn how you can implement the 60/40 principle in your life and start your journey toward financial stability.

The Money Talking points for today’s episode are:

1. How does becoming aware of your financial situation help you make changes?
2. Are rules of thumb good for you to implement or are they just extra noise?

In this episode of Money Talk with Skyler Fleming, I am joined by financial planner Stephanie McCullough to discuss the unique challenges women face in feeling confident about their financial decisions. We explore societal norms, internal barriers, and the different ways financial advice is presented to men and women. Stephanie shares insights on how open conversations and addressing emotional aspects of money can help women overcome financial shame and take control of their financial futures.

Stephanie McCullough is a seasoned financial planner with 27 years of experience, specializing in empowering women to take charge of their finances. Stephanie transitioned into financial planning from a different career path and has since developed a niche in working with women. She is passionate about breaking down the societal and internal barriers that hinder women from feeling smart about their money.

If you have any questions or would like further information, feel free to send me an email. Your inquiries are always welcome!

The Money Talking points for today’s episode are:

1. How can you have better money talks with the women in your life?
2. How has financial advice been given to you differently than to someone of the opposite gender?

In this episode, we dive deep into the complexities of personal finance with the insightful Darla Bishop. We discuss why managing money isn’t just about crunching numbers but involves a lot more than simple arithmetic. Darla shares her journey and how reading over 120 books led her to write “How to Afford Everything.” We explore the emotional and psychological aspects of money management, why emergency funds are essential, and how small wins can build financial confidence. Get ready to rethink your approach to money and learn how to turn financial chaos into something manageable.

Key Talking Points:

• Beyond the Math: Understanding the non-mathematical aspects of money management.

• Emergency Funds: How a small safety net can transform financial crises into minor inconveniences.

• Debt Strategies: The benefits of the snowball method versus the avalanche method.

• Personal Stories: Darla’s childhood experiences with financial struggles and how they shaped her views.

• Practical Tips: Steps to build your emergency fund and manage debt effectively.

The Money Talking points for today’s episode are:

1. What other factors play into how we manage money besides just the math?
2. Have you ever done a 90-day inspection and audit of your expenses? What did you learn from it?

In this episode, we dive into the world of billionaire budgeting with Manny Skevofilax, a business advisor who has worked with several billionaire families. Manny shares that the key to managing finances like a billionaire is simplicity and meticulous tracking of expenses. He emphasizes the importance of balancing happiness with the drive for wealth, advising against putting excessive pressure on oneself. Manny highlights that billionaires keep their budgeting straightforward and comprehensive, ensuring every expense is accounted for. Additionally, he reveals their relentless work ethic and resilience, encouraging listeners to adopt a mindset of perseverance and continuous improvement.

The Money Talking points for today’s episode are:

1. How do you keep your budgeting simple?
2. How do you track all of your expenses?

Today we tackle the thrilling world of retirement savings—because nothing says "party" like planning for the distant future, am I right? Today, we're diving headfirst into why starting early with your savings is like planting a money tree that just keeps on giving. We'll debunk some myths, uncover the secrets to maxing out those employer matches (hello, free money!), and maybe even sprinkle in some tips on how to retire like a rockstar. So grab your favorite drink if you're feeling adventurous, and let's turn saving into the coolest thing since sliced bread.

The Money Talking points for today’s episode are:

1. Can starting to save earlier with smaller amounts lead to a larger retirement fund compared to saving larger amounts later?
2. Do you know the difference between a 401(k), Roth IRA, and Traditional IRA? Which one do you think is best for you?
3. Are you taking full advantage of any employer-matching contributions in your retirement plan?

Today, we’ll be diving into the world of tiny house living. We’ll discuss what tiny house living is, the motivations behind choosing this lifestyle, and how it can benefit various demographics. We'll also explore the financial impact of housing debt and the opportunities that come from choosing a nontraditional living situation. Lastly, we'll provide practical advice and share inspiring success stories.

The Money Talking points for today’s episode are:

1. How could tiny homes benefit you?

2. How does housing debt impact you?

3. What kind of opportunities would arise if you chose a nontraditional living situation?

Today, we're diving headfirst into the age-old debate: renting vs. buying a home. Spoiler alert – I’m firmly in the pro-renting camp right now, but we’ll explore all angles.

We'll chat about the freedom of renting and the personal touches of home ownership. You know, like the thrill of painting walls and adding rooms – if that’s your thing – or the convenience of calling your landlord when something breaks instead of dealing with it yourself. We’ll also talk dollars and cents. Ever wonder why your rent keeps going up? And what's the deal with down payments and emergency funds for buying a house? I’ve got you covered. Plus, we’ll ponder the timeline – should you really buy a house if you plan to stay put for less than seven years? Is home ownership really the golden goose everyone claims, or just a goose? We’ll debate whether it's a smart investment or if you'd be better off betting on the S&P 500. And let’s not forget the flexibility and perks of renting, like having a gym, bar, and coffee shop right downstairs – who needs a backyard when you have all that? I'll also share my personal take on why it’s okay to go against the grain and keep renting as a long-term option. Remember, life’s too short to follow societal norms that don’t fit your lifestyle.

So, grab your favorite drink, get comfy, and let’s dive into this episode. Let’s make the rent vs. buy debate as fun as possible!

The Money Talking points for today’s episode are:

1. Should everyone buy a home?

2. Should homeownership be considered an investment?

3. How can I make the decision that best first my lifestyle

Find Heather Eason online at https://www.youtube.com/@Women4WealthHQ

In this episode of Money Talk with Skyler Fleming, I interview Alexis Boccanfuso , a certified professional organizer, daily money manager, and coach. Alexis shares her expertise on how to organize your financial life, addressing common reasons why people become disorganized such as limited financial literacy or major life events. She provides practical steps and systems, including managing subscriptions and implementing a 'just in case' file, to simplify financial management and reduce stress. Alexis also emphasizes the importance of reviewing and maintaining these systems regularly, and she shares her favorite tools and tips to help listeners stay on top of their finances.

The Money Talking points for today’s episode are:

1. What things do I need to organize with my finances?

2. What areas can I implement simplicity?

3. How can I avoid disorganization in my finances?

Find Alexis Boccanfuso online at https://cpdmm.com/

In today's episode of Money Talk with Skyler Fleming, we explored the fundamental concepts of financial dependence and independence, uncovering how our choices and circumstances profoundly shape our financial well-being. Joined by Estelle Gibson, we embarked on a journey of self-reflection and empowerment in managing our finances.

We began by defining financial dependence as relying on external sources like work or others for income, often influenced by both conscious decisions and life circumstances. Estelle emphasized the importance of breaking free from inherited financial patterns and actively engaging with our money to achieve greater control over our financial destinies. Moving forward, we dove into the significance of financial independence, which Estelle described as a personal definition encompassing everything from the freedom to pursue passions to having the resources for life's unforeseen challenges. Her insights into the money life cycle shed light on how financial needs evolve across different stages of life.

The Money Talking points for today’s episode are:

1. Are you financial dependent and if so, what are you dependent on?

2. What does financial independence mean to you right now?

3. What choice can you make now to move towards financial independence

In today’s episode we are talking all about how to get set up financial while you are in your 20s. Today’s episode is just like the title suggests. A financial guide for your 20s. Today’s episode features Greg Davis and we have a wonderful conversation all around how to get set up in your early adult years.

Greg Davis is the author of Checkmate and worked in finance for many years.

We'll be exploring the usefulness of popular financial rules of thumb, the power of automation in managing your finances, and the fundamental concepts everyone should grasp early on. Greg will also shed light on common financial mistakes young adults make and how to avoid them, the responsible use of credit cards, and additional tips to boost your financial health. Plus, we'll discuss the importance of planning, the benefits of starting early with investments, and Greg's insightful BED4SO framework. Get ready for an enlightening conversation that will set you on the path to financial stability and growth.

The Money Talking points for today’s episode are:

1. Are rules of thumb useful?

2. How can automation play a role in your finances?

3. What are some common mistakes that you’ve also made?

Welcome to today’s episode of Money Talk with Skyler Fleming. We'll be discussing the importance of family conversations in financial planning. Our guest, Andrew Van Alstyne, shares his insights on how open discussions can prevent financial under-preparedness. We're also going to talk about the role of family in wealth management, the benefits of inter-generational wealth transfer, and how to overcome the tension of talking about money in families with difficult financial histories.

The Money Talking points for today’s episode are:

1. What was your first money memory?

2. What are the benefits of transferring wealth to younger generations before one's passing?

3. How can families overcome the tension of discussing money, especially those with difficult financial histories?

In today's episode of Money Talk with Skyler Fleming, we have a deep conversation with our guest, Connor Tyson, about the financial tug-of-war that many people find themselves in. Connor shares his insights and experiences on this topic, detailing how this tug-of-war can impact our lives and our financial health. We explore the importance of asking ourselves hard-hitting questions to gain a better understanding of our financial struggles. We also discuss the role that our behaviors and habits play in our financial decisions, and how making necessary changes can significantly improve our financial situation.

Key Highlights from our conversation:

- The impact of time and stalling on our financial health.

- The role of self-awareness and introspection in understanding our financial struggles.

- The concept of the SMART thought process for purchases and how it can help us make better financial decisions.

- The importance of changing money habits, and how practicing new habits can feel like brushing your teeth with your off hand - awkward at first, but eventually becoming easy.

- The benefits of automating financial activities to reduce reliance on willpower and discipline.

- The power of having an accountability partner in changing our financial situation.

- The significance of openly discussing money to reduce shame and guilt, and to improve our financial behaviors.

The Money Talking points for today’s episode are:

1. What questions do you need answers to about your financial situation?

2. What behaviors are playing a role in your financial tug-of-war?

3. Who can be your accountability partner?

In today’s episode, we're diving into a topic that's often kept under wraps but is crucial for financial success: talking money in the workplace. We often spend most of our time around those we work with. Yet we don’t turn to them for advice on money. Why not? Talking about money in the workplace can seem uncomfortable but it is a great place to learn from each other and even promote change. The only way your workplace retirement plan is going to get changed is by talking about it with your co workers.

In today’s interview Kevin Benson, founder of SERC (Southern Education Retirement Consortium), will join us to discuss how talking about financial matters openly in the workplace can have profound benefits, especially for educators. We explore why it's essential for educators to engage in conversations about money, the impact of retirement plans like the 403b and 457b, and how services like SERC are revolutionizing retirement consulting for educators across the nation.

But this conversation can extend beyond just educators. Are you heading to work and wondering why your retirement options at work aren’t any good? Well start talking to others. I’ve been able to promote some change and conversation at my work by talking about money more. I know my co workers will bounce financial ideas off of be because of my podcast. But I’ve also been able to talk with HR to get some 401k education from the company that runs our 401k. But I’ve also gotten them to consider adding a Roth option to our 401k. Thought it hasn’t happened yet, simple conversations get the ball rolling whether you’re an educator or in any other profession. Make sure you stay tuned for today’s great interview and some great content after the interview as well where I’m going to talk about an article I found outlining if Door Dash is worth it or not!

The Money Talking points for today’s episode are:

1. What retirement changes would you like to see at work?

2. How could you start talking about money with your coworkers?

Today, I'm excited to dive into a topic that's universally relatable yet often confusing and intimidating: debt. As someone who's grappled with its weight and emotional complexities myself, I understand firsthand the challenges it can present and the importance of finding a path forward.

In this episode, we'll embark on a journey guided by the insights of Jeff Anzalone, who shares his experiences and perspectives on navigating debt. From his early days as a Dave Ramsey enthusiast to charting his own course towards financial independence, Jeff's story offers lessons and practical strategies for anyone seeking to conquer debt and build a secure financial future.

We'll explore a range of topics, from the risks associated with debt, particularly for high earners, to the importance of strategic planning and flexibility in financial philosophy. Jeff's journey serves as a testament to the power of knowledge, collaboration, and continuous growth in overcoming financial challenges and achieving long-term prosperity.

So, whether you're feeling overwhelmed by debt or simply looking to sharpen your financial acumen, join us as we unpack all their is to know about debt management and uncover actionable insights to empower you on your own financial journey.

The Money Talking points for today’s episode are:

1. You can’t change your financial situation overnight, what small step do you need to take today to change your situation?

2. How much money is automatically going out the door each month?

Find Dr Jeff Anzalone online at instagram.com/drjeffanzalone/

In today’s episode, we’re talking with Linda Grizely all about money mindsets and scripts and how we can recognize and change our own! We’re going to start at the beginning and help everyone understand how our parents and those around us play a role in our mind script. Also, something that was surprising from our conversation today is the insight gain on how much other people around you impact your view on money. While your parents are important in your learning how to handle money. You also see so many others around you handle money all the time. Like your friends, your friends parents, neighbors, and even your coaches. We’re learning how to handle money from everyone around us!

In today’s episode, we’re talking with Chris Hensley about his podcast, talking about money, talking about investing, money fears, and feeling confident with money in our lives. Chris is a podcast host for 10+ years and a financial coach. He hosts the podcast, Money Matters. I was recently a guest on his podcast. So if you want to go listen to that episode, I’ll leave a link in the show notes!

But to outline a little more of what were talking about today. Should you talk about money with friends? Should you talk about Investing? These are great questions to be asking and Chris and I dive into how that can be helpful and sometimes harmful. So you may hear an example of when I don’t think it’s a good idea to talk about money! But Chris and I also get into why we like podcasting so much and I would even encourage anyone who has a field of interest to start creating some content around it so you can use it as a way to talk to the people you want to be around. Want to be around your favorite authors, starting talking about the books you’re reading and so on! Podcasts and other content is a great way to get around the people that you look to for help in your own life

Today’s segments are going to include the Money Talking Points of course as well as a handy hint, a personal finance power up, and I’m debuting a new segment called the Water Cooler. So make sure to stick around to the end for today’s great episode!

The Money Talking points for today’s episode are:

1. How do you feel confident with money?

2. What are your money fears?