Money Talk with Skyler Fleming

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In this week’s episode of Money Talk, we’re celebrating a huge milestone episode 200! I’m flying solo for this one, and it’s all about you, the Money Buddy community. I’m answering the questions you’ve sent in about saving, investing, budgeting, building emergency funds, travel hacking, and even handling credit card debt while chasing financial independence. After four years and 200 episodes, I wanted this to be a real listener-focused celebration, packed with practical tips and honest money talk.

Whether you’re just landing your first job, juggling debt and saving for a big goal like a house, or trying to figure out how to finally start investing, this episode is full of actionable advice to help you take your next financial step. We’ll talk about what to do with “extra” money, how to avoid impulse purchases, why money talks are so critical, and my personal strategies that have helped my wife and me hit our own financial goals.

💰 This Week’s Money Talking Points

What’s the biggest money question on your mind?
How important are money talks?
What do we miss out on when we don’t talk about money?

🔗 Resources & Mentions:

Seven Money Talking Points (Free Resource): Download at moneytalk.show/resources
Budget Meeting Guide & Template: Included free in the resources section above
Schedule a Free Money Talk Coaching Session: Connect with me via the contact page at moneytalk.show/chat

⏱ Time Stamps:

[06:26] Listener Q&A begins: saving vs. investing and impulse purchase tips

[08:00] Building an emergency fund when money feels tight

[10:04] Free budgeting tools and the biggest mistake people make with budgets

[12:32] Starting a budget that actually works in real life

[12:53] Investing for retirement: 401k or Roth IRA first?

[14:42] Balancing student loans and saving for a house

[16:05] Index funds vs. individual stocks (spoiler: index funds!)

[16:58] 401k match vs. paying off high-interest debt

[18:08] Freelance income and budgeting with variable earnings

[18:37] Saving for a home without stopping investing completely

[19:43] Personal growth since starting the podcast and how my wife and I handle money together

[22:29] Travel hacking Hawaii: our favorite trip and how we saved for it

[24:37] Credit card signup bonus strategy without overspending

[26:00] Chasing financial independence on a $75K salary

[26:52] The #1 money myth I want to bust for young adults

[27:45] What I would tell my 18-year-old self about money

If you’ve ever wondered when to invest, how to budget with irregular income, or whether talking about money really matters this episode, is for you. Celebrate 200 episodes with me by listening in and then sharing your own money question for a future Q&A!

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In this week’s episode of Money Talk, I sat down with Tim Walker, the travel rewards expert behind Travel Multiplier, to dive into the fascinating world of travel hacking, turning your everyday spending into free flights, hotel stays, and incredible travel experiences.

Whether you’ve just started thinking about your first big trip or you’re already juggling a few rewards cards, this episode will help you understand the ins and outs of travel hacking, how to pick the right cards, maximize your points, and travel smarter without spending more than you already do. We also talk about the real pros and cons of this strategy, and what to watch out for if you’re nervous about credit cards.

💰 This Week's Money Talking Points:

What are the benefits of travel hacking?
What are the drawbacks of travel hacking?
Is travel hacking for everyone?

🔗 Resources & Mentions:

Tim Walker – Travel Multiplier: Learn more about Tim’s coaching and resources for free travel at TravelMultiplier.com
The Skeptic’s Guide to Travel Hacking: travelmultiplier.com/skeptic
Becoming a Travel Hacker Course: travelmultiplier.com/freetravelcourse
Email Tim directly: tim@travelmultiplier.com

⏱ Time Stamps:

[03:14] Benefits of travel hacking and the freedom of free travel

[06:18] The biggest drawbacks and how to avoid credit card pitfalls

[09:02] Travel hacking 101: The three steps to get started

[16:58] Why travel hacking doesn’t have to feel overwhelming

[22:27] Common myths and misconceptions about credit cards and rewards

[26:04] Handling annual fees and getting the most from premium cards

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400

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In this week’s episode of Money Talk, I sat down with Justin Taylor, also known as The Saving Sherpa and co-host of The Financial Independence Show. Justin reached financial independence by age 31, retired at 33, and just wrapped up a six-month global adventure living on about $50 a day! We recorded this conversation live at FinCon in Portland, Oregon, and dug into how intentionality with money and life can open up incredible opportunities, like traveling the world without breaking the bank.

Whether you’re looking for ways to stop the Amazon-spending spiral, dreaming about financial independence, or just want to be more deliberate with your time and money, this episode will give you practical tools and inspiring stories to help you take action today. We also talk about how intentionality spills over into other areas of life, like health, fitness, and even how you travel.

💰 This Week’s Money Talking Points

How can you be intentional with your money?
What other areas of your life are you intentional with?
Where can a lack of intentionality really impact your finances?

🔗 Resources & Mentions:

Justin Taylor (The Saving Sherpa): https://savingsherpa.com
The Financial Independence Show podcast with Justin Taylor & Cody Berman: https://thefishow.com/

⏱ Time Stamps:

[07:00] The power of intentional spending (and the Tuesday lunch test)

[09:50] How to stay intentional while traveling for six months on $50/day

[13:40] Travel mishaps: Visa issues and stolen bags in Florence

[16:00] Lessons learned and why sometimes spending more is the intentional choice

[18:00] Helping others gain confidence to take the leap toward FI

[19:40] Life takeaways from six months abroad and seeing joy around the world

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In this week's episode, I sat down with Scott Maderer, author of Inspired Living and founder of Inspired Stewardship, to tackle the big question: How do you find your calling and make money management something that supports your life instead of running it?

Whether you’ve ever felt stuck in a job that doesn’t feel like your purpose, or you’re just tired of money stress getting in the way of the life you want, this episode will give you the tools and mindset to move forward. We talk about identifying your calling, building systems that keep money from being a constant worry, and setting up your life so you can focus on what really matters.

💰 This Week’s Money Talking Points

Does everyone have a calling?
How do you identify a ‘calling’?
How do financial systems help you focus on other areas of your life?

🔗 Resources & Mentions:

Scott Maderer’s Resources & Book (Inspired Living): InspiredStewardship.com/money talk
Budget Meeting Guide & Tools: Available at MoneyTalk.Show/resources

⏱ Time Stamps:

[00:04:09] Meet Scott Maderer & the mission of Inspired Stewardship

[00:07:00] Does everyone have a calling? Redefining “career” vs. “vocation”

[00:11:19] The five-year airport exercise: Visualizing your best life

[00:15:04] Building systems that support your goals (and cut out squirrels)

[00:21:12] Friction & smoothness: Beating procrastination with simple habits

[00:30:26] Turning financial chaos into automatic systems that free your time

[00:42:20] Why talking about money lifts shame and creates freedom

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In this week's episode of Money Talk, I sat down with Ronika Khanna, a CPA and CFA who helps solopreneurs and small business owners make sense of their money through her firm, Montreal Financial. We dove into a topic that’s right up my alley, AI and personal finance. Can we really trust AI to manage our money? Should we? Ronika and I explored the practical ways AI can assist with personal finances, where it falls short, and what the future might look like if we hand over the financial reins to technology. Spoiler: it’s not as simple as letting the robots do all the work!

Whether you’re a tech enthusiast curious about how AI can streamline your money decisions, or someone who’s skeptical (and maybe a little nervous) about AI's role in personal finance, this episode will give you real insights on using AI wisely without losing the human touch. Plus, we share some fun stories, like how ChatGPT confidently gives wrong answers and how a robot vacuum proved my wife right all along.

💰 This Week’s Money Talking Points:

How is AI actually useful in helping with our money?
Should AI be avoided when it comes to helping us with our money?
Will the future of money management be humanless?

🔗 Resources & Mentions:

Ronika Khanna: Learn more about her work at https://www.montrealfinancial.ca/
RSFlemingos: Check out my wife and I’s travel vlog channel: https://www.youtube.com/@rsflemingos

⏱ Time Stamps:

[00:00] Welcome to Money Talk + Storytime: Robot Vacuums & Tech Wins

[05:00] How AI Is Changing the Way We Manage Money

[12:00] The Problem with AI Giving Confidently Wrong Answers

[20:00] Can AI Help Settle Money Fights? (Spoiler: Maybe!)

[30:00] The Future of Money Management—Will Humans Still Matter?

[38:00] Final Thoughts: Why Money Is More Than Just Math

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400

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In this episode of Money Talk, I had the pleasure of sitting down with Nicole Meihofer, wealth strategist and founder of Pearl Vest Capital, to break down the world of index investing. If you’ve ever felt overwhelmed by investing jargon or just want a “set it and forget it” approach, this conversation is for you. Nicole and I dive into how you can balance investing with other big life goals and make your money work for you. All without having to become a full-time research analyst! If you’re curious about how to get started with investing or how to invest for more than just retirement, you’ll find a ton of value in this episode!

This Week’s Money Talking Points

What if I don’t want to manage my investments but want to do it on my own?
How can I invest towards big goals besides retirement
How do I break the cycle of always being in debt and never being able to invest?

Resources & People Mentioned

Nicole Meihofer, Pearl Vest Capital: pearlvest.com

Nicole Meihofer is an investment professional registered with IHT Wealth, LLC, a registered investment advisor with the SEC. The opinions expressed are solely those of the author, and do not represent those of IHT Wealth, LLC or any of its affiliates, and are for informational purposes only.

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400

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In this exciting episode, we dive into the crucial topic of saving money while managing debt, explore investment strategies, and tackle a listener's question about what to do post-emergency fund. We’ll unravel the complexities of personal finance, offering simple, actionable advice to help you avoid the paycheck-to-paycheck cycle and start building real wealth. Whether you're just beginning your financial journey or looking to refine your strategy, this episode is packed with valuable takeaways you can share with friends and family.

💰 This Week’s Money Talking Points

How are you saving your money?
Where do you like to invest?
Have you ever been paycheck-to-paycheck?

Resources and People Mentioned

Steve Short: Retired corporate executive, co-author of "The Simple Road Towards Financial Freedom."
Mark Schlipman: Seasoned financial advisor, co-author of "The Simple Road Towards Financial Freedom."
"The Simple Road Towards Financial Freedom": Amazon bestseller by Steve Short and Mark Schlipman. Available for purchase: https://a.co/d/84VtaOo

Don't forget to leave a comment on Spotify or send me an email with your thoughts on the episode and any topics you'd like to hear more about.

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400

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In this week's episode, we tackle a topic that's all too familiar to many of us: making financial mistakes, getting back on track, and, most importantly, overcoming the shame that often accompanies these blunders. We all make money mistakes at some point, but it's how we handle them that defines our financial journey. Joining me is the incredible Monica Kaufman, a Certified Financial Planner and founder of Harmony Wealth Academy. Monica shares her expertise on blending technical financial knowledge with mindset shifts to foster genuine financial peace. Together, we explore practical steps to address money mistakes and discuss strategies to support others in their financial journeys. Plus, I've got some exciting updates about next week's show format, so be sure to stick around!

💰 This Week’s Money Talking Points

What’s a money mistake you’ve made?
How can a money talk help you with your mistakes?
How do you help others with their money mistakes?

Resources and Mentions:

Monica Kaufman
- Learn more about Monica and her work at Harmony Wealth Academy.
Get in Touch
- I’d love to hear from you! Share your location and thoughts about the podcast by emailing me at skyler@moneytalk.show.

Stay tuned for next week’s exciting format change, where we’ll dive straight into quick and engaging Money Talking Points with our guest. It’s going to be fantastic, and I can’t wait for you to hear it!

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400

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In this episode, we're diving into 10 foundational tips for “adulting” with money. Practical, down-to-earth advice that can genuinely change your financial life. Whether you're just getting started with money or feel like you missed the class on "how to be a financially responsible adult," this episode is packed with takeaways. From identifying your goals (and why they should be your own!) to leveraging compound interest and being intentional with your spending, I’ll walk through each tip with stories, insights, and actionable steps. This episode will leave you thinking differently about how you save, spend, and talk about money, and hopefully inspire you to take your next step with confidence.

💰 This Week’s Money Talking Points

Which of the 10 tips would benefit you the most?
What does intentionality with money look like?
What do you do if your friends have different financial goals?

⏱️ Key Moments:

[00:03:36] – The #1 tip: Identify your goals, values, and desires apart from social media and friends.

[00:08:27] – How compound interest can completely change your financial future (featuring the Rule of 72!).

[00:10:06] – What intentionality with money really means and how my wife and I save for multiple vacations a year.

[00:18:36] – What to do when your friends aren’t aligned with your money goals and why that’s okay.

[00:21:10] – The true meaning of wealth: It's not just about money.

📚 Resources Mentioned:

Download my free Money Talking Points resource: moneytalk.show/resources

💬 Got a money question or want to be featured in Episode 200?

Text me using the link in the show notes, or send your question through the contact page on the site!

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400

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This week on the Money Talk podcast, we’re facing the big, scary monster named taxes! But don’t worry, I brought in CPA Kyle Beltle to help make it all feel a little less overwhelming. We bust the myth that getting a raise means you’ll end up with less money, break down what a marginal tax bracket really means, and look at strategies for avoiding taxes legally! Kyle shares real stories and solid advice about lifetime tax planning and why a giant tax refund might not be as great as it feels. If taxes have ever felt confusing or frustrating (and let’s be honest, they always are), this episode is for you.

💰 This Week’s Money Talking Points

How can we avoid taxes?
Should I avoid making more money to avoid paying more taxes?
How can taxes be simpler?

⏱️ Key Timestamps

[05:00] ➤ Kyle explains why getting a raise won’t hurt your finances due to the progressive tax system.

[10:00] ➤ Using raises and bonuses to reduce your tax bill via strategic contributions (401(k), HSA, etc.)

[17:00] ➤ A personal story about how emotional relief and partnership influenced paying off student loans.

[26:50] ➤ Why you should be thinking about taxes on January 1st—not just during tax season.

[33:00] ➤ Breaking down why a $100,000 tax refund is actually a problem.

🔗 Resources & Mentions

Connect with Kyle Beltle: https://proactivecpa.co

Find a Certified Tax Coach: https://certifiedtaxcoach.org

IRS Withholding Estimator: https://www.irs.gov/individuals/tax-withholding-estimator

Book Mentioned: The Psychology of Money by Morgan Housel

Submit your question for my upcoming AMA in Episode 200! Text me or use the link at the top of the show notes.

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400

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In this episode, I dive into the real financial opportunities available to young adults and anyone just getting started on their money journey. We’ll talk about why financial decisions can feel so overwhelming, how to build good money habits even on a small income, and smart ways to invest when you’re just starting out. Plus, I answer a fantastic listener question about balancing fun and financial responsibility in your twenties. Whether you’re feeling lost in a sea of financial advice or just want to make a plan that fits your life, this episode is packed with practical tips and encouragement to help you take your next step with confidence.

💰 This Week’s Money Talking Points

How can a financial planner or coach help you?
How can I avoid being afraid of money?
Why are financial decisions so hard?

Resources & Mentions:

Submit your questions for the upcoming AMA (Ask Me Anything) episode! Text, email, or reach out on social media.

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400

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This week’s episode is a special one! It’s just me on the mic sharing a huge personal and professional milestone: I passed the CFP® exam! 🎉

In this solo episode, I’m walking you through what it took to go from “I think I want to do this” to actually sitting for and passing one of the most challenging exams of my life. Whether you’re considering a career shift into financial planning or you’re just curious what goes into becoming a Certified Financial Planner®, this is a real behind-the-scenes look at the process, the mindset, and the lessons I learned along the way.

I’ll cover why I decided to pursue the CFP®, what the education and exam prep process looked like, and how my own financial journey shaped this career change. Plus, I’ll share the exact amount of time I spent studying, my biggest challenges, what strategies worked best, and the moment I found out I passed. This one’s packed with encouragement for anyone out there trying to make a bold career move, or just get a little better with money.

💰 This Week’s Money Talking Points

What is a CFP?
What are the requirements to become a CFP?
When would someone work with a CFP?

⏱️ Key Timestamps

0:00 — Introduction and overview of the episode

1:57 — Skyler shares the motivation for becoming a CFP and career change

3:56 — What is a Certified Financial Planner (CFP)?

4:28 — Requirements to become a CFP

5:36 — When should you work with a CFP?

6:23 — Skyler’s personal journey and inspiration for financial planning

10:36 — Study strategies and exam preparation tips

13:20 — Challenges, mindset, and overcoming doubts

18:00 — What CFPs learn: education areas and hardest topics

20:44 — Exam experience and advice for future CFPs

23:20 — How to get started in financial planning and final thoughts

📚 Resources & Mentions

📖 Boston Institute of Finance (BIF) – The program I used for my CFP® education and review. Highly recommend!

💬 Text Me – Have questions? Want to chat about the CFP process or personal finance in general? Text me using the link at the top of the show notes.

🖥️ Schedule a Money Chat – moneytalk.show/chat – Let’s talk about your financial goals

🌐 LinkedIn – I’ll be sharing more about my CFP study breakdown here. Follow me for updates and insights: https://www.linkedin.com/in/sjayf/

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400

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This week on the Money Talk podcast, I had an incredible conversation with Jillian Johnsrud all about mini-retirements. What they are, how they work, and why taking them often might just be the key to a better life and even a better career. Jillian has taken over a dozen mini-retirements herself, and her wisdom around this topic really opened my eyes. We talk about everything from defining what a mini-retirement really is (hint: it's not just a vacation!) to how you can use one to get a raise, build better habits, or finally pursue something meaningful. Whether you're between jobs, burned out, or just craving a reset, this episode is packed with practical ideas and inspiring stories to help you rethink your work-life balance. Honestly, I realized during the recording that I’m on a mini-retirement myself right now!

💰 This Week’s Money Talking Points

How can you take a mini-retirement?
What do you love to do?
What would it look like for you to take a mini-retirement?

🔗 Links & Resources Mentioned:

Jillian’s Website: https://retireoften.com/
Jillian's Upcoming Book: Retire Often (releasing September 9th)
Check out Jillian’s podcast: The Retire Often Podcast

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400

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In this episode of Money Talk, I sit down with Jonathan Blau, the founder and CEO of Fusion Family Wealth, to tackle one of the most overlooked but powerful financial habits: ignoring the news. We dig into why obsessing over current events can derail your financial plan, how emotions sneak into our money decisions, and what it actually takes to build a plan that can weather the emotional rollercoaster of investing. Jonathan brings a ton of behavioral insight, and we share practical steps you can take to avoid FOMO, build a resilient plan, and make better decisions with less stress. If you’ve ever felt anxious because of a headline or tempted to time the market, this episode is for you.

💰 This Week’s Money Talking Points

What value does ignoring current events bring you?
When was the last time you felt emotion around a financial decision?
How can you build a plan that will withstand the emotional rollercoaster?

📌 Resources & Mentions:

Learn more about Jonathan Blau’s firm: https://www.fusionfamilywealth.com/

📲 Join the conversation on Reddit: https://www.reddit.com/r/moneytalk/

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

"Upbeat Forever" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Want to be a guest on Money Talk? Send Skyler Fleming a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/1636686037273x290834786321762400

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In this episode, I sit down with Joe Clark, CFP®, to talk about a topic that’s crucial but often ignored by young adults: estate planning. I know, it sounds like something for older folks, but trust me, there are simple, powerful steps you can take right now to make sure your assets go where you want them to go. We break down the jargon, simplify the process, and share real-life examples of why this matters way more than you think. Whether you’re single, married, have kids, or just starting out financially, this episode is for you.

💰 This Week’s Money Talking Points

How can you get started with estate planning?

What are some of the documents and terms you need to be aware of with estate planning?

How can you bring up estate planning to older members of your family?

⏱️ Episode Timestamps

03:00 – What is estate planning, really?

04:30 – Wills explained

06:00 – The importance of how your assets are titled

07:00 – Probate & how to avoid it

10:00 – Are beneficiary designations enough?

13:00 – Naming a guardian for your children

14:00 – Healthcare directives and power of attorney

17:00 – The Cheesecake Factory analogy

19:00 – Estate planning as an evolving process

21:00 – Joe’s biggest lesson learned in his 20s

📚 Resources & Mentions

Joe Clark’s website: YourLifeAfterWork.com

Book recommendations:

Atomic Habits by James Clear
Tiny Habits by BJ Fogg

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

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This episode is one of my absolute favorites—we’re diving deep into what I call the personal finance superpower: automation. I’m joined by two great guests, Shana and Vanessa, also known as The Budget Besties. These two are financial coaches and co-hosts of the “Financial Coaching for Women” podcast, and they’re on a mission to make budgeting fun, simple, and judgment-free. We talk through how automation can reduce stress, simplify your finances, and even improve your relationships. I also share my personal journey of finally automating credit card payments. Whether you're new to automation or ready to take it to the next level with ideas like a "Direct Deposit IRA," this episode is packed with actionable ideas that will help you gain control, reduce anxiety, and live financially free.

💰 This Week’s Money Talking Points

How could you simplify with separation?
How would you benefit from a specific account dedicated to spending?
What is a direct deposit IRA?

⏱️ Episode Highlights & Timestamps:

[00:02:00] – My story: finally setting up auto-pay for credit cards

[00:04:30] – What is financial automation? “Make your bank your assistant.”

[00:08:30] – The psychological barrier to trusting automation

[00:11:00] – Points vs. high-yield savings—what’s really worth more?

[00:14:00] – Multiple accounts: simplifying, not complicating

[00:16:30] – Living in your spending account: the “anti-budget” approach

[00:18:30] – Automation as a relationship tool: freedom from micromanaging

[00:20:00] – Gamifying savings buckets and why naming them matters

[00:22:00] – Why spreadsheets (like mine!) might be overkill for most people

[00:30:00] – The first step to financial independence: living a month ahead

📎 Resources & Mentions:

The Budget Besties Podcast: Financial Coaching for Women

Learn their automation system step-by-step: budgetbesties.com/automate

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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In this episode, I’m joined by Ralph Estep Jr., a seasoned financial coach and host of The Ask Ralph Show. We dive into why simply talking about money can be the game-changer you need to make smarter financial decisions. Ralph and I swap some crazy credit union stories, reflect on the importance of financial literacy, and explore how humility, simplicity, and consistency are core traits of financial success. You’ll walk away from this episode feeling empowered to talk more openly about money and build better habits, one conversation at a time.

💰 This Week’s Money Talking Points

What’s a financial mistake you’ve learned to avoid because of others?
How important are regular money talks to you?
Which of the 5 traits do you need to work on to do better with your money? (Intentionality, Discipline, Learning, Generosity, Gratefulness)

⏱️ Key Timestamps

[02:00] – Quitting my job to become a CFP + why regular money talks made it possible

[04:00] – Why money talks matter: Learning from others' mistakes

[06:30] – Missed opportunities when you don’t talk about money (like prepaying your mortgage)

[08:30] – The power of starting young and saving early

[10:30] – Even high earners live paycheck to paycheck—here’s why

[12:00] – Employer match = free money. Why are you stepping over it?

[16:30] – My hot take on credit card hacking and keeping things simple

[20:00] – Emergency fund reality check: Start with $10/week

[24:00] – Conversations = solutions. Don’t suffer in silence

[27:30] – Let go of shame. Today can be your fresh financial start

[29:00] – Ralph’s 5 traits of financially successful people

🔗 Mentions & Resources

Ralph Estep Jr.'s Website: FinanciallyConfidentChristian.com

FREE BOOK: Mastering Your Finances: financiallyconfidentchristian.com/master

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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In this week’s episode, I sat down with Joel Miller, a Certified Financial Planner™ and the founder of Flames Financial Planning, to break down the intimidating idea of financial planning into something approachable, doable, and even enjoyable. We talked all about how young adults can get started with building a financial plan, why it’s not just for the wealthy, and how small steps can create big results over time. Plus, I share a personal story about the chaos we experienced with my wife’s student loans and why it’s so important to advocate for yourself when things go sideways.

Joel brings great energy and practical wisdom to this conversation, making it a must-listen for anyone who's ever thought, "I'll start planning my finances later." Whether you're just starting out in your career or trying to figure out your next money move, this episode will give you the tools and mindset to get going now.

💰 This Week’s Money Talking Points:

How can you start building a financial plan?
What small area can you begin with?
How can sharing your financial plan with others help?

⏱️ Time Stamps:

[02:00] Skyler’s Story Time: The Nelnet Student Loan Nightmare

[07:00] What Is Financial Planning, Really?

[08:30] Taking One Step at a Time

[10:00] The Importance of Emergency Funds

[13:00] Gaining Confidence in Spending

[14:30] Sinking Funds as a Game-Changer

[17:30] Uniqueness of Every Financial Plan

[20:00] Financial Planning Isn’t Just for the Wealthy

[23:00] Written Goals = Real Progress

[26:00] Estate Planning for Young Adults

[29:00] Other Easy Wins: 401(k) Match, Roth IRA, Avoiding Car Debt

🔗 Resources & Mentions:

Flames Financial Planning: Learn more about Joel’s practice at https://flamesfp.com

Text Joel: 952-300-9632

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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This week’s episode is packed with practical investing wisdom and a whole lot of tax-saving strategies. I sat down with Patrick Huey, CFP®, author, small business owner, and host of History Lessons for the Modern Investor, to break down the often-confusing world of tax-efficient investing. We tackled everything from Roth vs. traditional accounts to how to actually use a taxable investing account — and even touched on one of the most underrated tools out there: the HSA. Whether you’re just getting started or you’ve been investing for years, this episode is all about helping you keep more of what you earn.

💰 This Week’s Money Talking Points:

How can you use a taxable investing account?
How do you open an IRA?
What should you invest in within your 401k?

⏱️ Episode Breakdown – Key Topics & Timestamps:

[04:30] Why taxes matter when investing – “It’s not what you make, it’s what you keep”

[05:30] Traditional 401ks and IRAs: benefits, downsides, and the hidden “partner” (the government)

[07:45] Who traditional accounts might still make sense for

[09:30] Why Roth IRAs are considered the “holy grail” of investing

[11:00] Building good investing habits early (yes, even $200/month matters!)

[13:30] Capital gains 101 – what they are and how they’re taxed

[15:00] What is a taxable investing account really, and why should you consider one

[17:45] Use ETFs instead for a more tax-efficient approach

[18:30] Capital gains harvesting – how to take advantage of the 0% tax bracket

[20:30] Using taxable accounts for medium-term goals like buying a home

[21:45] Asset location vs. asset allocation – understanding the difference

[23:00] All about HSAs – the triple-tax-advantaged powerhouse

[27:00] Why tax planning beats tax filing, and how to think ahead with your strategy

🔗 Resources & Mentions:

Patrick Huey’s Website: Victory Independent Planning

Patrick’s Podcast: History Lessons for the Modern Investor

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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In this week's episode, I sat down with the Dr. Travis Parry to talk about one of the most game-changing aspects of your financial life—getting on the same page. Whether you’re married, engaged, or single and want to better understand your own money mindset, this episode is packed with tools and insights that will help you level up. We talk about understanding your money history, why shared goals matter more than shared bank accounts, and how regular communication can build deep financial intimacy.

Dr. Parry—author of Achieving Balance and Marry and Grow Rich, founder of the Make Time Institute, and father of eight—shares powerful stories and practical tools to help couples and individuals alike break through financial misalignment. If you’ve ever felt like you're speaking a different financial language than your spouse or just want to better align with your future goals, this one’s for you!

💰 Money Talking Points

What page are you trying to get to?
How would it feel to be in sync with your goals or your spouse?
What challenges need to be overcome to get on the same page?

🕒 Time Stamps & Key Conversations

[03:00] – What is a money history? How family origin influences your financial habits.

[05:00] – Scarcity vs. abundance mindset—how your beliefs about money shape your behavior.

[08:00] – Skyler shares a personal breakthrough in financial communication with his wife.

[09:00] – How communication (or lack of it) can make or break your financial life.

[13:00] – Financial infidelity and why trust is so crucial in money management.

[15:00] – Joint accounts vs. joint goals—what matters more for true alignment?

[18:00] – Setting up a system: Money Monday meetings, spending plans, and routines.

[23:00] – 3 big steps to get on the same page:

[30:00] – Final advice: Be a good steward of what you have now to prepare for more.

🔗 Links & Resources

📚 Travis’s Book – Marry and Grow Rich: marryandgrowrichbook.com

🌐 Make Time Institute (Travis’s site): maketimeinstitute.com

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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In this episode of Money Talk, we’re diving into the emotional side of money—because let’s be real, it’s not all about math. I’m joined by Egle Aleknaviciute, a wealth, business, and purpose strategist who brings a unique mix of financial expertise and emotional intelligence. We explore why saving can feel painful, how vision boards can actually boost your savings, and how to harness your emotions, not be controlled by them, when it comes to money. If you’ve ever struggled with guilt around spending or felt like saving was a loss, this one’s for you.

💰 Money Talking Points

What system can help take the pain out of savings for you?
How can a vision board help you?
What is your why with your money?

🕒 Key Time Stamps

03:30 – Automating your savings to reduce decision fatigue
06:00 – Emotions vs. logic: why emotion always wins
08:00 – Stock market fear, emotional triggers, and making smart choices
11:30 – Vision boards: how they connect your goals with your subconscious
13:00 – The magic of awareness and writing down your dreams
15:00 – How opportunities appear when you start dreaming
17:30 – Shifting beliefs and allowing yourself to enjoy your money
19:00 – Why your "why" is the foundation for financial focus
21:30 – Advertisement immunity: resisting marketing through purpose
23:00 – Logic justifies emotion—so control the emotion first

🔗 Links & Resources

🌐 Connect with Egle Aleknaviciute: www.egle-aleknaviciute.com
🎙️ Past Episodes Mentioned:
- Whiteboards mentioned in the episode with the CoastFI Couple

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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In this episode, we dive deep into the often intimidating and confusing world of health insurance. I brought on Christine MacLaren, an HR professional with over 25 years of experience and a certified budget coach, to help us understand this complex part of our financial lives. We break down key terms like premiums, deductibles, and co-insurance, explore the pros and cons of high deductible health plans (HDHPs) and Health Savings Accounts (HSAs), and even touch on the lesser-discussed but vital topic of disability insurance. We also talk about COBRA, marketplace alternatives, and how picking the right (or wrong) insurance can be financially life-changing. If you’ve ever been overwhelmed by your benefits package or open enrollment season, this episode is for you!

💰 Money Talking Points:

What health insurance plan is right for you?
How can you use an HSA to minimize taxes?
Why is disability insurance important?

⏱️ Timestamps & Key Conversations:

[02:00] – Skyler’s Story Time: Using credit cards smartly for a free trip to NYC
[04:30] – Why health insurance is necessary and how it protects you financially
[06:00] – Definitions breakdown: Premiums, Deductibles, Co-insurance, Out-of-Pocket Max, Copays
[09:45] – When to take advantage of reaching your out-of-pocket max for planned care
[11:30] – How HSAs work, how to use them smartly, and why they’re so powerful
[18:00] – Should everyone choose an HDHP? When it's a good or bad fit
[20:00] – What is COBRA and why it’s so expensive
[22:00] – Why using your preventive care benefits matters
[23:30] – Hidden wellness perks and employer incentives (smart scales, gym discounts, etc.)
[24:30] – How picking the wrong plan can be financially devastating
[27:00] – A powerful note on why disability insurance is a must-have

🔗 Links & Resources Mentioned:

Christine MacLaren’s Website: https://breatheagainbudgets.com

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

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Find even more Money Talk at moneytalk.show/quick-links

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In this week's episode, we're diving into all the critical things you didn’t learn in school — from budgeting basics to building credit, paying taxes, and investing wisely. I’m joined by Rob Finlay, Wall Street Journal bestselling author of Hey Dad, who shares some incredibly helpful insights for anyone navigating adult finances. Whether you’re just starting out or trying to get your budget back on track, this conversation will help you develop a financial foundation that actually works in real life. Plus, I share a little behind-the-scenes on why investing in yourself is always worth it.

💡 Money Talking Points:

How can tracking your expenses help you get started?
What’s something you wish you had been taught in school?
How can you avoid the early dangers of finance?

⏱️ Episode Breakdown + Timestamps:

[03:30] What school didn’t teach us: adulting with money
[04:30] Why budgeting is a path to financial freedom, not restriction
[07:00] Compounding returns & balancing investing vs. debt payoff
[09:00] Good interest vs. bad interest: How to make smarter choices
[11:00] Rob’s take on investing vs. paying off debt
[12:30] Smart credit card use + the truth about carrying a balance
[15:00] Avoiding common financial traps and the role of financial literacy
[16:30] Why understanding basic taxes is crucial
[18:00] When and how to seek professional help with finances
[19:00] Vetting your financial advice sources in the age of influencers
[23:00] What financial freedom means to Rob and how to achieve it
[24:30] First steps to getting out of debt and taking control
[26:00] How tracking expenses helps you make better spending decisions
[28:00] Final thoughts on financial literacy, opportunity, and getting started

🔗 Resources & Mentions:

Rob Finlay’s Website & Book: robfinlay.com
Text Skyler your money wins or questions! Link at the top of the show notes

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

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🎙️ Welcome to Money Talk - Episode 177

Hey Money Buddies! This week’s episode is a big one. I’ve got some exciting announcements, a fresh new look, and a reminder of why we’re here — to talk about money so we can all do better with it, together. I’m walking you through what’s new with the Money Talk Show, including our revamped website and a brand-new way to connect with me directly (yep, via text!). We also dive into what Money Talk is really all about, why having these conversations matters so much, and how you can start your own money talks today. Plus, I’m introducing a new segment called “Skyler’s Story Time” and share one of the big exciting things coming up in my life. Let’s get into it!

💰 This Week’s Money Talking Points

How do we benefit from talking about money?
What do we lose out on if we don’t talk about personal finances?
How can you start a money talk?

🕒 Episode Timestamps

[00:00] – Welcome + Rebranding Announcement 🎉

[01:30] – What is Money Talk, and why I started this podcast

[02:15] – The mission of Money Talk: Helping young adults get confident with their money

[03:00] – Introducing "Skyler’s Story Time"

[05:00] – Talking Point #1: How we benefit from talking about money

[07:00] – Talking Point #2: What we lose if we don’t talk about money

[09:00] – Talking Point #3: How to start a money talk

11:00 – My favorite money talk topic: Dreaming about big money goals 💭

12:00 – Wrap-up and reminder to start your own money talk this week!

🔗 Resources & Mentions

🌐 New Website: moneytalk.show

📱 Text Me Directly: Click the link in the show notes on your podcast app to send me a message!

🎁 Gift Card Giveaway: Text me within one week of this episode’s release to be entered to win a $10 gift card.

📚 Free Resource: The 7 Money Talking Points – Available under “Free Resources” on the site.

Past Guest Episodes Mentioned:

Paul Merriman – Ep. 113
Dana Miranda – Ep. 107 & 156
The CoastFI Couple – Ep. 159

Thanks for tuning in, and as always, let’s keep talking about money so that we can all do better with money together. Can’t wait to hear what you think about the new look and updates — don’t forget to text me!

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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:

How can you use a spending plan to reach your goals?
What are some ways you can write things down so you don’t forget them?
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:

💼 Danielle Reese Coaching: https://www.daniellereesecoaching.com/

Schedule a free Money Talk at https://moneytalkwithskylerfleming.com/chat

Get your free Money Talk resources at https://moneytalkwithskylerfleming.com/resources

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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:

Where do you feel like financial success is different for you than it was for your parents?
How can you break out of your current situation to increase your income?
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:

📧 Connect with Ron Turba: info@heavenlytreasury.com
📺 Watch Ron’s content on YouTube: https://www.youtube.com/@HeavenlyTreasury

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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

How can we avoid an echo chamber with money?
How can you dip your toes into talking about money?
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

Links & Resources MentionedCody Garrett’s website: https://www.measuretwicemoney.com/

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Schedule a free Money Talk at https://moneytalk.show/chat

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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:

What would work optional mean to you?
How can you take the next step up in your savings?
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:

Eric’s podcast: https://brotmanmedia.com/podcasts/
Free retirement tax planning guide: https://bfgfa.com/pay-less-taxes-now/
Book Recommendation: The Automatic Millionaire by David Bach

Enjoy the episode, and let’s keep the money conversation going! Let me know your biggest takeaway and how you’re applying it to your financial journey. 🚀

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Schedule a free Money Talk at https://moneytalk.show/chat

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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:

How does your job impact your financial situation?
What other options are available for education?
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:

Shymika Davison’s website: Pre-College Solutions

Schedule a free Money Talk at https://moneytalkwithskylerfleming.com/chat

Get your free Money Talk resources at https://moneytalkwithskylerfleming.com/resources

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

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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

How is your work-life balance?
How can you have a better work-life balance?
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

Connect with Warren Miles-Pickup on LinkedIn: https://www.linkedin.com/in/warren-miles-pickup-8a248113/

Let me know what your biggest takeaway was from this episode! Drop a comment on Spotify or send me an email—I love hearing from you. And if you enjoyed this conversation, don’t forget to subscribe and share it with a friend. Until next time, go out and have a money talk! 💸🎧

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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

What do you see everyone else doing that you want to stop?
What crisis are you trying to avoid?
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

Financial Epiphany by Scott Yamamura – financialepiphany.com

Contact me & join the conversation: MoneyTalkWithSkylerFleming.com

💬 Join the Conversation!

The best way to reinforce what you’ve learned is to have a money talk with a fellow Money Buddy. Who will you discuss this episode with? Let’s start changing our money mindset together!

Schedule a free Money Talk at https://

Support the show

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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:

What small thing can you do to get started with investing?
How can you invest simply?
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 fin

Support the show

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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

How can a simple savings bucket improve your money mindset?
What savings target can you begin to use a bucket for?
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

Therese Nicklas – https://wealthcoachforwomen.com/pod
My Budget Coach – https://www.mybudgetcoach.com/coaches/skyler-fleming
The Automatic Millionaire by David Bach – A great book on small savings habits that build wealth over time

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

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Checkout The Budget Meeting Guide: https://moneytalkwithskylerfleming.com/resources/get-the-budget-meeting-guide

Welcome to a very special episode of Money Talk! Today, I'm bringing you a live recording of a budgeting presentation I recently gave at my local library. I’ll be sharing practical tips on managing your money, tracking expenses, using savings buckets, and budgeting on last month’s income. Plus, I’ll be pausing throughout the episode to add extra insights and commentary.

The money talking points for this week are:

What tip can you take from today’s episode and implement it into your budget?
Can I survive a $400 emergency?
What does budgeting on last month’s income mean to me?

Timestamps & Key Topics

⏳ [00:00] Welcome & Introduction

Why this episode is different

⏳ [02:00] The Basics of Budgeting

Common statistics on financial struggles
Why many people can’t handle a $400 emergency
The dangers of credit card debt and how to manage it
The importance of going back to cash or debit when needed

⏳ [06:00] The Power of Tracking Expenses

How simple tracking can help you adjust your spending habits
My personal experience with realizing I spent too much on eating out
Tools to help you track spending automatically:

⏳ [08:00] Savings Buckets & Sinking Funds

How to break down large expenses into monthly savings goals
Real-life examples: Christmas, car registration, subscriptions
Pro tip: Save over 11 months instead of 12 for a buffer

⏳ [12:00] Credit Card Interest: A Financial Trap

Why do credit card companies push their products so hard?
The real cost of carrying a balance
Debt snowball vs. debt avalanche: Which method should you use?
My personal experience using a 0% promo card (and the risks involved)

⏳ [16:00] Budgeting on Last Month’s Income: A Game Changer

What does it mean to budget based on last month’s earnings?
How this strategy breaks the paycheck-to-paycheck cycle
Step-by-step guide to making the transition

⏳ [18:00] The Power of Automation & Direct Deposits

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

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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:

What opportunities does not having kids allow people with their money?
How can you have healthy money talks with everyone in your life?
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

🔗Connect with Bri Conn & Child Free Wealth:childfreewealth.com

🔗7 Money Talking Points Guide:https://moneytalkwithskylerfleming.com/resources/get-the-7-money-talking-points

🔗Budget Meeting Guide:https://moneytalkwithskylerfleming.com/resources/get-the-budget-meeting-guide

Schedule a free Money Talk at

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

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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:

How do you like to budget?
How can you teach others about budgeting?
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

📌 Try My Budget Coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

📌 Connect with Zach Whelchel: https://www.mybudgetcoach.com/coaches/zach-whelchel

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

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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:

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

Find Derrick Kinney online

Derrick Kinney’s Free Resource: GetTheRaiseYouWant.com
Derrick’s Instagram: @DerrickTKinney

Episode Highlights & Timestamps

[00:00:00] Introduction

Why New Year’s resolutions often fail and why goal-setting shouldn’t be tied to January 1st.

[00:02:00] Meet Derrick Kinney

Derrick shares his inspiring journey from a lower middle-class background to becoming a millionaire by 37.

[00:04:00] Why Goals Fail

The cultural pressures behind resolutions and how personalizing goals makes them stick.

[00:06:30] The 30-Day Rule

Why taking a month to define your goals can set you up for success.

[00:08:00] The Power of Incentives

How rewards can motivate adults to stick to their goals (hint: tie your favorite concert or treat to your progress!).

[00:13:30] Resetting Goals

Derrick debunks the myth that goals can only be set at the start of the year.

[00:16:00] Big Goals vs. Small Goals

Breaking down large goals into manageable steps and why momentum matters.

[00:21:00] Financial Goal Setting

Derrick’s framework for tying financial goals to rewards and making money work for you.

[00:32:00] Dealing with Failure

How to recover and adapt when you fall short of a goal.

[00:34:30] Key Takeaways

Forget perfection. Focus on progress.
Write down your goals and visualize your ideal year.
Celebrate wins—big or small—to keep your motivation high.

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

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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:

[00:00] Introduction: I introduce the episode, share some exciting updates about budgeting tools, and give a quick overview of today’s guest, Jessica Patel. [02:30] Why Money Feels Overwhelming: Jessica explains the emotional barriers like fear, anxiety, and feeling “less than” that make starting with money such a challenge. [06:00] Discover Your Money Personality: Jessica introduces the concept of money personalities and how understanding your emotional connection to money can help you create better habits. [08:00] Setting Small Goals: We discuss the importance of small steps and how they can build momentum for big financial wins. Jessica also shares how Groove helps people track and celebrate progress. [13:00] The Power of Talking About Money: Jessica and I explore why open conversations about finances are essential and how accountability partners (or “money buddies”) can make a huge difference. [19:00] Why Behavior Matters: Jessica emphasizes the importance of behavioral shifts in personal finance and how Groove uses tools like color theory and breathing exercises to reduce money-related stress. [22:00] What emotions are blocking you from getting started: Let’s dive into the first Money Talking Point to understand why we are stuck! [28:43] How can you start a money talk: Let’s take what we learned from Jessica and dive into how to start talking about it [31:35] How can small steps help you: I’ll talk through some examples and chat with my wife about how to break large overwhelming goals into small realistic steps [36:00] Real Talk with Rebecca: My wife, Rebecca, joins me to share how we broke down our financial independence goals into smaller, more manageable steps.Episode with the CoastFi Couple - https://youtu.be/MgmW4mf44gk

Episode with Bob Wheeler - https://youtu.be/PIHww9LiUB0

Money Talking Points:

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Schedule a free Money Talk at https://moneytalk.show/chat

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Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

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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:

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

Find Frank online at https://frankbuck.org/

Episode Timestamps

00:00Introduction: Why gift cards and subscriptions matter.
03:00 The Value of Simplicity in Organization.
05:15 Are Gift Cards a Good Gift?
08:00 Subscription Services: Hidden costs and traps.
10:30 Auto-Renewals: Pros, cons, and tips to manage them.
12:00 Organizing Gift Cards: Practical systems.
16:45 Managing Subscriptions with Digital Tools.
20:30 Automation: Calendar reminders and tools to stay on track.
23:00 Keeping Systems Simple and Stress-Free.
25:15 Final Advice: Dr. Buck’s thoughts on starting early with organization.
29:30 Wrap-Up: Reclaiming control and reducing financial stress.

Schedule a money talk, email me, get your free resources, follow me on social media, and more at moneytalkwithskylerfleming.com/quick-links

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-flemin

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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:

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

Find Nick Garofalo online at https://openhandedwealth.com/

A helpful article I found on spaving: https://www.myfico.com/credit-education/blog/what-is-spaving

Schedule a money talk, email me, get your free resources, follow me on social media, and more at moneytalkwithskylerfleming.com/quick-links

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Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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.

How to Money on Money Talk with Skyler Fleming: https://creators.spotify.com/pod/show/moneytalkskylerfleming/episodes/104---Lessons-Learned-from-Over-700-Episodes-with-Matt-and-Joel-from-How-to-Money-e2973t5/a-aabi2f4

My appearance on the Stacking Benjamins show: https://podcasts.apple.com/us/podcast/earning-a-cool-million-saving-tons-with-a/id650045209?i=1000621607374

Find Hanna Morrell online at https://yourworthcoach.com/talk/

Schedule a money talk, email me, get your free resources, follow me on social media, and more at

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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:

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

Checkout the CoastFI Couple Podcast at https://coastficouple.com/

Learn more about the steps to FI at https://youtu.be/gNNPbl4AthY

Schedule a money talk, email me, get your free resources, follow me on social media, and more at moneytalkwithskylerfleming.com/quick-links

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Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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 France02:38 Understanding Cryptocurrency and Blockchain03:50 Differences Between Digital Bank Accounts and Crypto08:18 Investment vs. Speculation in Crypto13:13 Crypto Volatility and Emotional Management17:39 Crypto Mining and Staking Explained22:58 Introducing Sensible: High-Yield Crypto Accounts27:36 Final Thoughts and Practical Advice37:00 Conclusion and Next Steps

The money talking points for this week are:

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

Find Jacob online at holdsensible.com and use code “Money Talks”

Schedule a money talk, email me, get your free resources, follow me on social media, and more at moneytalkwithskylerfleming.com/quick-links

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Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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 Guests01:23 Meet Gwen and Tim Joyner02:27 Diving into Financial Independence04:07 The Benefits and Challenges of FIRE12:11 Discussing FIRE with Friends20:14 Talking Money in Marriage30:59 Navigating Financial Dynamics in Relationships32:33 The Advantages of Starting Young in FIRE34:36 Simple Steps to Begin Your FIRE Journey37:42 Gwen and Tim's FIRE Projects39:48 Advice to Our Younger Selves42:03 Money Talking Points and Final Thoughts

The money talking points for this week are:

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

Find Tim and Gwen online at https://firetakespod.com

Schedule a money talk, email me, get your free resources, follow me on social media, and more at moneytalkwithskylerfleming.com/quick-links

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Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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:

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

Checkout Dana’s new book available December 24th at https://www.youdontneedabudget.com

Schedule a time for a money talk at moneytalkwithskylerfleming.com/chat

Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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:

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

Find Devon Shaw online at freedombytheday.com

Find Devon Shaw on Instagram at https://www.instagram.com/freedombytheday

Schedule a time for a money talk at moneytalkwithskylerfleming.com/chat

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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.

Also! I have a brand new thing to offer each and everyone of you listening. A free money talk! I set up a link in the show notes or at moneytalkwithskylerfleming.com/chat so that you can schedule a time with me for a money talk! Schedule a money talk today and let’s talk about whatever financial situation you are going through!

The Money Talking points for today’s episode are:

How can you incorporate a money date into your week?
How can you get to the point where you are in control with your money?

Find Kayla Francis online at instagram.com/calmmoneycollective

Schedule a time for a money talk at https://moneytalkwithskylerfleming.com/chat

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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Support the show

Schedule a free Money Talk at https://moneytalk.show/chat

Get your free Money Talk resources at https://moneytalk.show/resources

Sign up for a free trial with MyBudgetCoach and select me as your money coach: https://www.mybudgetcoach.com/coaches/skyler-fleming

Find even more Money Talk at moneytalk.show/quick-links

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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:

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

Find Hannah Tackett online at serenesuccess.net

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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.

This is my 150th episode! How exciting is that? It is insane to think that I have been doing this for almost 3 years! Friday, September 20th is actually 3 years since the very first episode of Money Talk with Skyler Fleming went live! How exciting! This podcast has had a lot of different guests and I have learned a TON throughout my time doing this show. If you’ve found any value in the last 3 years, please help my show grow by sharing it with a friend or sending them a link to moneytalkwithskylerfleming.com. I have a special episode coming up on Friday to celebrate 3 years of my show!

But I’m excited for today’s episode. This is a great one where we go back to one of the basics of budgeting. I know you’re going to learn a lot and I don’t want to make you wait any longer so let’s get into the Money Talking points

The Money Talking points for today’s episode are:

Why do you think budgeting is or isn’t important?
How does credit card debt impact your life?

My appearance on The Bartelles show - https://podcasts.apple.com/podcast/id1732123565?app=podcast&at=1000lHKX&ct=linktree_http&i=1000655807363&itscg=30200&itsct=lt_p&ls=1&mt=2

Find The Bartelles online at bartellesfinancialcoaching.org

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Find Alan online at nextleveluniverse.com

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Find Soon Yu online at soonyu.com

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Find Janine online at https://the8gates.com/

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Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Find Stephanie online at sofiafinancial.com

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Find Dr Darla Bishop online at darlabishop.com

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Find Manny online at portalcfo.com

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Find Jenny online at https://www.youtube.com/channel/UC6uuURjRVu9sKcWL1jkh-3w

I Wish I Started To Save Earlier After Seeing This Chart - LifeHack (Link to article)

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Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

How could tiny homes benefit you?
How does housing debt impact you?
What kind of opportunities would arise if you chose a nontraditional living situation?

Tiny Home Laws: https://worldpopulationreview.com/state-rankings/tiny-house-laws-by-state

Find Laura Lynch online: https://www.thetinyhouseadviser.com/

Her podcast is called Less House More Moola

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Email me at skyler@moneytalkwithskylerfleming.com

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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:

Should everyone buy a home?
Should homeownership be considered an investment?
How can I make the decision that best first my lifestyle

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

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

What things do I need to organize with my finances?
What areas can I implement simplicity?
How can I avoid disorganization in my finances?

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

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

Are you financial dependent and if so, what are you dependent on?
What does financial independence mean to you right now?
What choice can you make now to move towards financial independence

For more insights from Estelle Gibson, visit her website at estellegibson.com. Connect with Estelle on social media for further discussions and resources.

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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In this episode of Money Talk with Skyler Fleming, we dive deep into the world of credit cards. I introduce the brand new Credit Card Guide, available at moneytalkwithskylerfleming.com/resources. The guide covers essential topics like how to get a credit card, secured vs. unsecured credit cards, managing credit card debt, and optimizing credit card rewards. Join me as I share practical tips and personal insights to help you get the most out of your credit cards.

Key Topics Discussed:

Introduction to the new Money Talk Credit Card Guide
Steps to getting a credit card
Differences between secured and unsecured credit cards
Using credit cards the right way
Understanding the impact of credit cards on your credit score
Maximizing credit card rewards
Strategies for getting out of credit card debt: Snowball vs. Avalanche methods
Common misconceptions about building credit with credit cards

Money Talking Points:

Should you get a credit card?
How to avoid credit card debt
Personal experiences with credit card debt

Handy Hint of the Episode:

Set up automatic payments for your statement balance to ensure you always pay off your credit card in full each month.

Resources:

Access the new Credit Card Guide: moneytalkwithskylerfleming.com/resources
Contact Me: moneytalkwithskylerfleming.com/contact

If you have any topics you'd like me to research or any questions, reach out via the contact page or email provided in the show notes. Don’t forget to share your stories and experiences with credit card debt for a chance to be featured on the podcast!

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

Are rules of thumb useful?
How can automation play a role in your finances?
What are some common mistakes that you’ve also made?

Find Greg Davis online at: davischeckmate.com/

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

What was your first money memory?
What are the benefits of transferring wealth to younger generations before one's passing?
How can families overcome the tension of discussing money, especially those with difficult financial histories?

Find Andrew online: forfiduciary.com/meet-andrew-van-alstyne

Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

What questions do you need answers to about your financial situation?
What behaviors are playing a role in your financial tug-of-war?
Who can be your accountability partner?

You can follow Connor Tyson on his website https://progressfc.com/ and on Instagram at https://www.instagram.com/connorthefinancialcoach/

Remember, winning your financial tug of war starts with understanding your financial struggles and making necessary behavior changes. Thank you for joining us on this episode of Money Talk with Skyler Fleming.

Check out the website at ⁠moneytalkwithskylerfleming.com⁠

Check out our free resources at ⁠moneytalkwithskylerfleming.com/resources⁠

Email me at ⁠skyler@moneytalkwithskylerfleming.com⁠

Watch the podcast on YouTube at ⁠youtube.com/@MoneyTalk.SkylerFleming⁠

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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:

What retirement changes would you like to see at work?
How could you start talking about money with your coworkers?

Find Kevin Benson online at SERCSolutions.com

The NerdWallet article mentioned in today’s episode: https://www.nerdwallet.com/article/finance/how-much-does-doordash-pay\

Check out the website at ⁠moneytalkwithskylerfleming.com⁠

Check out our free resources at ⁠moneytalkwithskylerfleming.com/resources⁠

Email me at ⁠skyler@moneytalkwithskylerfleming.com⁠

Watch the podcast on YouTube at ⁠youtube.com/@MoneyTalk.SkylerFleming⁠

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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:

You can’t change your financial situation overnight, what small step do you need to take today to change your situation?
How much money is automatically going out the door each month?

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

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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!

I wanted to also let everyone know to head over to skylerfleming.com and make sure to sign up for my email list! I’d love to start reaching out to people via email and connecting that way as well. I’m looking to send out stories that I find interesting and share other’s podcasts that I go on in case your looking for more financial podcasts to listen to!

The Money Talking points for today’s episode are:

Are you in control with your money?
What is the bigger picture that you need to shoot for?

Checkout Linda Grizely online at https://www.mindsetandmoney.com/

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

How do you feel confident with money?
What are your money fears?

My episode as a guest on Money Matters:https://youtu.be/_HCA9MSsGcU?si=haMJrxAhfpDC7zQm

Find Chris on YouTube and at MoneyMattersPodcast.com

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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In today’s episode, we're joined by Lucie, who shares her journey from humble beginnings to entrepreneurial success. Lucie dives into her upbringing, sharing how her parents' financial mindset shaped her views on money. From overcoming scarcity mindset to accidentally founding Michigan's largest public trail horse riding company, Lucie's story is a one all about to the power of belief, service, and envisioning the future. Get ready to glean invaluable insights on money management, breaking free from fear, and crafting a life of abundance.

Today we’re discussing how your parents views on money can impact you, how you can align passion with opportunity, how fears play a role in money and how to over come them. Then we’ll also touch on how dreaming and envisioning the future can be helpful towards your future success!

The Money Talking points for today’s episode are:

What do you want in your life?
What talents do you have that you could use in the service of others?

Find Lucie online using the following links:

Ultimatesuccessblueprint.com Promo code: Moneytalk

Lucielynn.com

Facebook.com/Luciesbubble

Instagram.com/coachlucielynn

YouTube.com/Luciesbubble6421

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

Are you a general budget or a specific budget kind of person?
What are some opposite ways to handle money that you can think about now to see the other side of the coin?

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

Who can you talk to that handles money professionally about what they do with their money?
How was money management shown to you as a kid?

Find Tom Kosnik on LinkedIn

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

What financial behaviors have you allowed to slip into your life?
Do you feel that there are any small adjustments you can make today to get your finances back on track?

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

How did your childhood experiences with money influence how you handle it now?
Do you have an emergency fund?
Why do you think it is important to talk about money?

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

How can you start a simple and pressure-free conversation about money, seeking input and ideas from others?
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?
Whether married or not, are you prepared to discuss money openly, set boundaries, and consider having a "Money Buddy" for support in financial matters?

Find Bob Wheeler online at: themoneynerve.com

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

How can I avoid overspending on vacations?
Is budgeting restrictive or liberating?
How can planning play a role for you beyond just money?

Find Danny online at https://www.mymentoro.com/

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

How can you make sure to budget fun into your life?
What stood out to you and who can you share it with?

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

Where do you feel you should be with your money?
Where do you feel like you lacking control with your money

Find Kari online - https://www.adaptivefinancialdesign.com/

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

How do you use a credit card responsibly?
What is a credit card trap that you might fall victim to?

Find Fati online

Instagram - https://instagram.com/flargaespada

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

You can find Amanda Cantrell online at the following places.

LinkedIn - https://www.linkedin.com/in/amandacantrellfinancialconsulting/

Instagram - www.instagram.com/amandacantrellfc/

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Find Johnny Bohan online at ⁠johnnypbohan.com⁠

Not Another Lecture by Johnny Bohan - ⁠Amazon⁠

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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The podcast is coming to an end! While the podcast may be going away, Money Talk with Skyler Fleming is not going away. I’m just heading over to youtube.com/@MoneyTalk.SkylerFleming and skylerfleming.com

Be sure to check out the website and subscribe to my YouTube channel! Lots of great content to come in 2024.

You can email me at moneytalk@skylerfleming.com

Thank you to everyone who has listened to the podcast over the last 2+ years!

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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:

What is your favorite takeaway from today’s episode

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

To reach out to Mark Bolton, check out mark-bolton.com.

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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Facebook

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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:

What do you want retirement to look like?
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

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

How are your scholarship applications going?
Will you be applying for the FAFSA?

Checkout Dan online or contact him at:

dan@hyperionfp.com

hyperionfp.com

thecollegedude.com

Checkout Dave The Scholarship Coach online or contact him at:

dave@nodebtcollege.com

nodebtcollege.com

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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Facebook

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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.

Paul Merriman’s website - https://paulmerriman.com/

Paul Merriman’s FREE book “We’re Talking Millions — 12 Simple Ways To Supercharge Your Retirement” - https://www.paulmerriman.com/millions-downloads

Check out the website at skylerfleming.com/moneytalk

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

How much money could you save by meal planning?
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

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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.

Don't forget to check out Netgreatstep.com for free consultations with Beth Hendler-Grunt

The Money Talking points for today’s episode are:

Who can you connect with today to start networking?
What are some social activities that you can start making friends and connections at?
Do you know what life costs after college?

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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Facebook

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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:

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

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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 communityThe Money Talking points for today’s episode are:

What are some ways that I can get involved locally?
How can I spend or invest my money in a way that helps my local environment

Learn more about Max's company at https://abundancewealthcommunity.com

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

Who is in your circle of influence?
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

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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.

Checkout Dana Miranda Online at https://www.healthyrich.co/

The Money Talking points for today’s episode are:

What are your thoughts about budgeting?
What approach besides budgeting could you take to manage your money?

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

What goals would you benefit in abandoning?
What are your beliefs and what do you want to accomplish?

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

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

You can find Walter Richardson online at Richardson Wealth Management

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

You can find Matt & Joel online at howtomoney.com

You can listen to their podcast “How to Money” wherever you are listening to this podcast

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Find and contact Erik Nero online at https://first-stepwealth.com/

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Checkout Crowd Health online at https://www.joincrowdhealth.com/

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

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

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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!

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

Watch the podcast on YouTube at youtube.com/@MoneyTalk.SkylerFleming

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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:

How will I handle a financial hardship or issue?
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

Scott's social media: Facebook, Instagram, YouTube

Scott's finance book - Your Finances God's Way: A Biblical Guide to Making the Best Use of Your Money (scottlapierre.org)

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at https://www.skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

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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.

Find Kenny online at Debt Reduction Made Easy

Email Kenny: kenny@thedoityourselfbailout.com

The Money Talking points for today’s episode are:

What financial situation do you find yourself in that could benefit from a new perspective?
Why is it important to avoid credit card debt?

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at https://www.skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

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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:

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

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at https://www.skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

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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:

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

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at https://www.skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

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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:

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

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

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at https://www.skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

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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:

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

Find Danny, The College Dude online at TheCollegeDude.com

Contact Danny at Dan@hyperionfp.com

My website and information:

Check out the website at skylerfleming.com/moneytalk

Schedule a free consultation at skylerfleming.com/free-consultation

Check out our free resources at https://www.skylerfleming.com/resources

Email me at moneytalk@skylerfleming.com

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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:

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

Contact Darrion

Instagram or TikTok - @iamdarriong

Email Darrion at AskPastorGoley@gmail.com

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

Check out our free resources at https://www.skylerfleming.com/resources

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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:

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

Find Tobi Ojekunle online at https://mirrortalkpodcast.com/

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

Check out our free resources at https://www.skylerfleming.com/resources

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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:

What new insights about the service industry and personal finance did I gain from this episode?
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

Her website: tippedfinance.com

Her book: Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

Check out our free resources at https://www.skylerfleming.com/resources

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Tipped: The life changing guide to financial freedom for waitresses, bartenders, strippers, and all other service industry professionals

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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:

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

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

Find his book at financiallycapablebook.com

You can find Matt online at MattParadise.com

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

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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:

What money topic can I start talking about today?
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!

RADCOACHES.com

RADCOAHCES on Instagram

Checkout their podcast - radmoney

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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:

What would your Christmas be like if you started saving now?
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!

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

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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:

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

You can find Chris on Instagram @ChrisChapChap

Here are the 6 steps to increasing your income that Chris shared on the podcast

DECIDE that you want to be wealthy and that you want to be to increase your income. So many ppl in a fixed mindset, complaining, wishing they had it better, wishing for me, stop complaining and DECIDE
BELIEVE that it is possible
Analyze what skill sets, characteristics, and attributes you have.
Become addicted to learning.
Become OBSESSED with becoming the best possible version of yourself that there is.
Find a reason bigger than just yourself to motivate you to make more money - for me.

Check out the website at skylerfleming.com/moneytalk

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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:

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

Find Ryan DeMent online with his podcast and website

Trutalk.co

Chasing Financial Freedom

Chasing Happiness

Checkout the episode of Chasing Happiness that I was on.

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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.

Adam has included a bunch of resources for each of us on his website. You can a free copy of his book "Retire in 10 Years" or get a free class on how to automate your finances. You can also connect with Adam on LinkedIn.

The Money Talking points for today’s episode are:

What small thing can you automate today to get your machine started?
How could automation benefit my finances?

Check out the website at skylerfleming.com/moneytalk

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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!

You can find Jasper online at thebuildwealthmovement.com

The Money Talking points for today’s episode are:

How can I get started saving money or improve how I’m saving if needed?
Will you be my money talk partner?

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

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This episode is a great conversation about money and happiness with Alicia Durham! Alicia Durham is a financial coach and you can read more about her online here.

In this episode, we discuss all sorts of great questions when it comes to money and happiness. Can money buy happiness? Do you have to be wealthy to have happiness? Why do we love money so much? All these great questions and more are in this episode!

The Money Talking points for today’s episode are:

What is my rich life?
What small step would be good for me to be happier with my money?

You can contact Alicia online at Craigdacy.com

Check out the website at skylerfleming.com/moneytalk

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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.

My guest today is Tracy Coenen and you can find her online at fraudcoach.com

The Money Talking points for today’s episode are:

Which strategies can I/We implement to prevent divorce and fights over money?
If you’re not in a long-term relationship, what is your key takeaway to help prevent financial turmoil?

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

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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:

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

Check out the website at skylerfleming.com/moneytalk

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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!

Find Dave's website at nodebtcollege.com

The Money Talking points for today’s episode are:

How can some organization help your finances?
Who can you tell about this episode to help them find scholarships to pay for college?

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

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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!

https://www.instagram.com/kellysjostrom/

https://www.kellysjostrom.com/

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In this episode, we discuss how money can be perceived as boring due to the overwhelming amount of numbers and management involved. However, we also explore ways to make it fun, such as finding apps to automate investing, budgeting, and using envelopes or sinking funds to watch savings grow. By making money more enjoyable, it can become less stressful and more open to new ideas. I'd also like to remind you to think about what aspect of money they would like to make more fun and reach out so we can have a conversation about how to make that aspect more fun!

The Money Talking points for today’s episode are:

What about money would I like to make more fun?
What isn’t fun about money right now that I can get rid of?

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We are going to be talking about how to get rich slowly! We don’t like getting rich quickly. Because it hardly ever works. It’s not a great strategy to go all in on. But long-term investing is a strategy that you can consider going all in on. I want to talk about some opportunities that long-term investing opens you up to.

Let’s talk about retirement, investing, emergency funds, opportunities, and much more!

The Money Talking points for today’s episode are:

How can I get involved in a get-rich-slowly scheme?
What opportunities could investing open for me?

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

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We are going to go back to the basics today. What is personal finance? How does money impact your personal life? What is the foundational knowledge that is very good to have when it comes to managing your money?

The Money Talking points for today’s episode are:

What’s my foundational belief of money?
How can I develop a better financial foundation?

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This episode is featuring my awesome wife, Rebecca! This will be a long episode where we talk about 75 financial tips to celebrate our 75th episode! I’m very excited to get to 75 and 100 episodes is our next milestone!

Find the full list of 75 financial tips online here - skylerfleming.com/75-money-tips

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How does social media impact your money? Does it cost money or do you make money? How does it impact financial habits? We are going to be talking all about social media and your money today!

The Money Talking points for today’s episode are:

Is social media good for my money?
How can I reduce or increase the impact that social media has on my money?

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Let’s talk about student loans a bit today specifically, while you are still in school. How do you manage them then? Rebecca, my wife, is still currently in PA school and we have to make sure to manage her loans so that we don’t end up with too many but also that we are aware of how much we have.

The Money Talking points for today’s episode are:

What do you do with your student loans while you are in school
How can I build a plan for my student loans

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Today we will be talking about how money plays a role in marriages and relationships. There are a lot of things to consider. Like budgeting, spending, investing, retirement, goals, plans, travel plans, what you want to do when you get older, how you want to save up for things, and much more. I’m excited about this episode today because it’s fun to talk through.

The Money Talking points for today’s episode are:

How can we have regular, healthy conversations about money?
If our financial goals don’t align, how can we compromise?
Why is it important that we work together with money in a marriage?

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

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Today we are going to be talking about time in the marketing vs timing the marketing. I want to talk about which one is better and why it’s time in the market. It’s interesting how leaving your money in the market for a long time can be the best thing for it. Even if you were to be perfect at timing the marketing. The long time growth that the stock market can provide will beat even the perfect investor. I’m excited about today’s episode and I think there’s a lot of learning potential from this topic.

The Money Talking points for today’s episode are:

Why should I invest for the long term?
How can I protect myself from wanting to time the market?

Check out the website at skylerfleming.com/moneytalk

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This episode is all about taking advice from ChatGPT! Does it provide good advice? I think so! Be sure to listen to all the stories and see what you can take from the stories that the chatbot puts together. I think it's a great starting point to get everyone talking more about money!

The Money Talking points for today’s episode are:

Should I talk to a robot about money?
How can talking to a person help me with my money?

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

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You can change your financial path! We just passed the New Year and I hope your goals are going well. But let’s reiterate the fact that you can take the path you are on and make the changes that you want to see. So let’s talk about that today. Let’s cover a few points.

Why do people get stuck? Let’s talk about sacrifices, debt, spouses, and budgeting!

The Money Talking points for today’s episode are:

What sacrifices am I willing to make?
What change do I need to see in my financial life?

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I want to help paint a new picture for you to hopefully see debt in new light and picture. I want to help show it in this new way so that hopefully it can help people get out of debt and or stay out of debt!

The Money Talking points for today’s episode are:

How is debt bad for me?
Can debt be good for me?

If you know anyone who would like to get out of debt. I would love to be a resource for them in developing their plan. Please contact me via email or social media.

Check out the website at skylerfleming.com/moneytalk

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So this is going to be a niche episode that I have been wanting to make for quite some time! We are going to be talking about the benefits of not driving a car. I want to talk about public transit, biking, and the savings that come from being without a car. Is it possible? How can you live without a car? How much will it save you? Both in money and stress!

The Money Talking points for today’s episode are:

How do I get around without a car?
Does driving stress me out?

Must be in every show notes

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New year new financial me! How do you get started using the new year as a chance to reset and change your financial life? That is what we are going to cover today. Use the new year as an opportunity and a chance to change your mindset around your finances. I have some actionable tips for you to take into the new year!

The Money Talking points for today’s episode are:

What tip can I use to improve my money situation?
What can I do to help someone else stay accountable to their goals?

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

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So how do you keep up with inflation? This is a harder topic to cover than normal but I want to tackle this one to help provide you with some of my points of view. We are going to cover a few things today, like simple investing, a financial foundation, emergency funds, and a high savings rate. This is going to be a great episode!

The Money Talking points for today’s episode are:

What can I change to help combat inflation?
What is my savings rate?

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Today I want to remind you that you don’t need to go all in all the time. Especially when it comes to changing your financial life. You don’t need to figure everything out all at once. We will talk about making small bets and how that can help you gain momentum toward real and powerful change in your life. Today’s episode can apply beyond personal finances but I am going to take it from that lens since this is a money podcast! But I hope that you will be able to see how some of the points can apply outside of just money.

The Money Talking points for today’s episode are:

What small bet can I take today to improve my financial situation?
How can I break down my big and overwhelming goal into smaller bets?

Check out the website at skylerfleming.com/moneytalk

Email me at moneytalk@skylerfleming.com

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Have you ever really wanted to buy something? Then make sure to listen to today's episode. Impulse spending can be very bad for your financial life. So I wanted to discuss tips and tricks to help overcome impulse spending. But also cover how it can impact you. Today's episode is going to be very informative!

I would appreciate it if you could share it with a friend. Be sure to start your money talk with them!

The Money Talking points for today’s episode are:

How can I avoid impulse spending?
What is the thing that I am ok with spending a little extra money on?

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Email me at moneytalk@skylerfleming.com

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I have another episode on something you don’t have to do with your money. That’s what these past few episodes have been about. Looking at things from a different perspective if you don’t want to do something. In this episode, we are going to be talking about Credit Card rewards. What if you don’t want to credit card hack and build a giant spreadsheet to manage your 20+ credit cards? Let’s talk about that in today’s episode!

I think often time we get told all these things we should do with our money and how we can optimize things better and better. Specifically, with credit cards, there are all these ways we can use credit cards to get free trips, to get points, rewards, you name it. There’s some way to optimize your credit card spending. What if you don’t want to do that? What can you do or what are some of the drawbacks or benefits?

The Money Talking points for today’s episode are:

What if I didn’t use credit cards?
Are credit cards helpful or harmful to my finances?

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We don’t talk about money! Why is that? Why don’t we talk about money? What are the implications of our lack of financial conversation? That and more on today’s episode of Money Talk with Skyler Fleming.

The Money Talking points for today’s episode are:

Why don’t you like talking about money?
How can I talk about money more?

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Today we will be talking about what to do if you hate dealing with money. What if you know what you need to do but just never do it? Money can be super frustrating at times and sometimes you don’t want to deal with it. That’s understandable. But I also want to come at this from the angle of why it is so important to still manage your money so you aren’t burdened by it. I also have some great tips to share for how you can make it easier for yourself to manage money.

The Money Talking points for today’s episode are:

Do I dislike managing money?
How can automating my money help me?

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Email me at moneytalk@skylerfleming.com

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We often dream about what we would do if we won the lottery! Would you donate a bunch of it? Help your family out? Spend it all? What do people do when they win the lottery? Let’s get right into it today and talk about this tricky subject!

The money talking points from today’s episode are:

What would you do if you won the lottery?

1 simple discussion question from today’s episode. Be sure to go talk about it with your friends and family!

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How do you balance saving for the future vs living today? This is the great debate of the Fleming household. My wife keeps me balanced and having fun by ensuring that we are using our money for fun now and in the short term. But I constantly push to save more and more money for our long-term goals. Both are great approaches. That is why it is key to look at both of them.

How do you balance them? Let’s talk about it today so hopefully, you can see both sides of the coin and help adjust your perspective on savings vs spending today vs the long term.

The Money Talking points from today’s episode are:

Do you prefer to save for the long term or live for today?
How can I try the other side of the coin?
Is one clearly better than the other?

Check out the website at moneytalk.skylerfleming.com

Email me at moneytalk@skylerfleming.com

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Have you ever had a problem that you just could not figure out the solution to until you looked it at in a new way? That’s how a lot of things can be. Because we get set in our ways and our mindset on how something should be. Well in this episode we are going to talk about looking at things in a new way and how you can take a new approach. Specifically to your money and goals. I have some specific stories to tell about trying things in a new way that I hope will help you step out and take some new chances with your money and how you look at your financial situation and your goals

So what are some takeaways that you can go talk about with your friends? Well, the money talk points from today’s episode are

What situations do I need to take a new approach?
Who can help me see a new approach to my situation? / What is a new approach you would recommend for my situation? (ask this to a friend)

Check out the website at moneytalk.skylerfleming.com

Email me at moneytalk@skylerfleming.com

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Why is it essential to have a plan? Whether it's a financial plan, fitness plan, meal plan, or anything else. Let’s talk about it!

I would love to hear your opinion on all the different types of plans. Maybe it’s not the best idea to have a plan for some things. That’s why having a money talk is so important. So we can hear each other's perspectives. Have something that you want to share. Email me at moneytalk@skylerfleming.com. You can also contact me through my website. Skylerfleming.com

I’m excited to discuss today’s topic with you about having a plan. The money talking points for you to go and discuss from today’s episode are:

How can I put a plan in place?
Do I already have a plan in place?
Who can help me stay accountable to my plan?

Check out the website at moneytalk.skylerfleming.com

Email me at moneytalk@skylerfleming.com

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Welcome to a special bonus episode! I had this idea come into my mind today so I wanted to throw it together and share what I thought. In this short bonus episode, I want to talk about how you can take what you hear and learn from this podcast or other sources and talk about it with others. Specifically when it comes to money. Ever wonder how you can ask someone how much they make or how you can bring up a financial win you had? Well, we are going to talk about that today.

What do I talk about in today’s episode?

How to talk about pay.
How to talk about your financial wins.
How to talk about money with a spouse.
How to talk about money with friends.
Why is talking about money scary?

Check out the website at moneytalk.skylerfleming.com

Email me at moneytalk@skylerfleming.com

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Today's episode is a fun conversation about all things credit cards. Be sure to use this conversation to have a money talk with a friend!

If you want to learn more about our guests you can find their websites here -

Tiffany - https://www.moneytalkwitht.com/

Wendy - https://wendybarlin.com/

Here is the blog post that Tiffany mentioned about which credit card to choose - https://www.moneytalkwitht.com/blog/WHAT-IS-THE-BEST-CREDIT-CARD-FOR-ME

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Enjoy today's episode where I talk all about budgeting and how to save through budgeting. There are some great lessons and examples in today's episode to help anyone learn about how to budget! I hope you enjoy and consider sharing with a friend to start your own money talk!

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In this episode, we are planning to talk about why it is essential to talk about money. The goal is to discuss how talking about money has helped us all learn and do better with our money. Ultimately, we don’t talk about money enough, leaving some people in unfortunate situations regarding their personal finances. Why is money a taboo subject? We’ll be sure to cover that as well.

The money talking points from today's episode are:

Why is money a taboo subject?
How can we talk about money more?
What financial questions do you have that you don't know the answer to?

Thanks to my first two group podcast guests Corey and Rebecca! Be sure to check out their websites online.

Rebecca Jensen: https://www.familybankingstrategies.com/

Corey Noyes: https://balanced-capital.com/

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Welcome to the 1 year anniversary of Money Talk with Skyler Fleming! This is a very special episode for me because when I started this podcast I set a goal of doing it for at least 1 year. I wanted to commit some serious time to this project and hobby and here we are a year later! I am super excited to cross this milestone with my podcast.

In this episode, I will talk about my experience creating this podcast, how to create your own podcast, the benefits of creating your own podcast, my advice for creating a podcast, and a bunch of other fun things about podcasting and goal setting!

What can you talk about this week? Well, the money talking points are:

What’s the 1-year nonfinancial goal I want to accomplish?
How can I achieve long-term goals?
What is something that I want to start doing today and want to do for 1 whole year?

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In this episode, we talk all about how to be self-reliant when it comes to money. What does that mean and how does it apply to you? We talk a lot about the freedom self-reliance provides you while striving for it.

I have 5 things to talk about today in terms of self-reliance and your personal finances.

The foundation for self-reliance
Where to get started and the necessities
The walls of personal finance
The freedom self-reliance provides
Helping others achieve self-reliance with their money

The money talking points for you to discuss are:

How would being self-reliant with my money help me?
What would being free from financial stress do for me?
How can I help others become self-reliant?

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Thank you to my wonderful wife Rebecca for joining me on today's podcast. In today's episode, we cover our top 5 slower cooker meals as well as our strategies and tips around meal planning. We also mention some cons and dislikes around meal planning. We cover the entire menu when it comes to meal planning.

Be sure to check out the blog post for today's episode with all the recipes.

https://www.skylerfleming.com/ep-50

This will be a great episode to talk about with your friends or spouses. So what are the money talking points from today’s episode?

How could you benefit from meal planning
Are there any fast food/restaurant dishes you want to try at home?
Which of the top 5 recipes sounds the best?

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We are going to be talking about net worth. Specifically how your debts and assets are tied to your net worth. This is going to be an interesting episode with some great points all centered around net worth. Some of the things we are going to cover today are. What is net worth? How do you calculate your net worth? What does it mean to get to 0? What is the purpose of tracking your net worth? How does financial independence relate to all of this? I am also going to take some common questions about net worth and answer those in today’s episode.

What’s the best way to help others with their money? By talking about it more. So what can you talk about with your friends and family after listening to today’s episode? Well, the money talking points from today’s episode are:

What is your net worth?
Do you know how to track or calculate your net worth?
Why do you think that tracking your net worth is beneficial?

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The money talking points from today’s episode are:

What is my ultimate long-term vision of my financial situation?
Where would I like to see myself in the future?
How will I end up if I continue on my current financial journey?
How can I improve or help others view money from a long-term perspective?

Please consider sharing with a friend. Today's episode is a great one talking about a long term perspective on our finances. Consider taking a 20, 10, 5, and 1 year look at your financial decisions. Consider the power of compound interest. Both working for you and against you with credit cards. I think today's episode can be a big help for someone who needs some motivation to change their financial situation.

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Today we are going to be talking about choices. Can you have too many choices? Is that even possible? What happens when you only have a few choices but you make a misinformed one? How can that impact you? Let’s talk about these things and especially how they can relate to your personal finances. This episode was inspired by me making a trip to JoAnns with my wife to choose some fabrics because she wanted to make our new pillow cases. While we stood there struck dumb because of all the options we had a great discussion about choices and how when there are too many that can sometimes be a bad thing. I want to cover that in a little more detail today but also I have a story to share about a decision that came from a recent used car purchase my wife and I made. Lot’s of great info in today’s episode!

So the money talking points from today’s episode are:

How can I reduce my choices?
How can I make an informed choice?
What can I do to stick behind a choice I make?

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In this episode, we will be talking about one of the easiest things about our money—spending it! But today we will talk about how to get better at spending money. There are going to be some main points to come out of today’s episode. The emotions behind spending money. How to get better at avoiding sales or tempting purchases.The importance of budgeting and tracking your expenses. Our final topic in today’s episode is going to be using credit wisely.

The money talking points from today’s episode are:

What new thing did I realize about my spending once I started tracking my spending?
How do I plan to implement the 24-hour rule next time I see a tempting sale?
How can I benefit from using credit wisely?

I think those three money talking points will be able to lead you to some great discussions after listening to today’s episode.

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We are going to be talking about how you gain control of your personal finances today! This is going to allow us to go over a few topics. Let’s talk about getting control through budgeting, tracking your expenses, discussing money, and getting help. We are also going to cover the impact of having control over your money. Being in control impacts both you as well as those around you and especially those who come after you. Then we will wrap up with what to do once you have control over your money.

But first I wanted to make sure to extend the offer if you have any questions or concerns with your money right now. Please visit my website in the show notes or email me at moneytalk@skylerfleming.com. I would love to take any questions and answer them on the podcast! It would be awesome in the future to have shows built around your personal finance questions.

There are just two money-talking points from today’s episode. Those are

What do I need to do to get in control of my money?
How can I help someone else get in control of their money?

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In today’s episode let’s talk about getting wealthy automatically. A lot of what is going to be said in today’s episode is from the book, The Automatic Millionaire by David Back. I highly suggest reading it. If you’ve never read any financial books before, I think it is a great starting point. The other book I’ll pull from is The Simple Path to Wealth by J.L. Collins. Both of these books have been great resources to me and I know they’ll help you in your wealth-building journey.

So what are we going to talk about today? Well, here are the main points. The power of automation. How to automate wealth. Simple investing. The power of the automatic retirement plan. What you can do about it. Then finally, what you can encourage others to do and how you can help them.

The money talking points from today’s episode are:

What is an index fund?
What is your savings rate?
How could I automate savings?
How wealthy are you now?

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Today we are going to be talking about the personal part of personal finance. More specifically the behavioral aspect of personal finance. This is an exciting topic and inspiration for this topic came from a webinar I recently did for my work. I put together quite a bit of information on this topic and wanted to present it to my podcast audience! With all the information comes a brand new resource as well! Be sure to go to moneytalk.skylerfleming.com/resources to find the latest and greatest resource with the 6 behavioral finance tips!

The topics we are going to cover today are: why is money so difficult, how money is more than just math, how money can’t buy happiness, automation, and some behavioral tips! These are all going to be significant sections. I am excited to cover these on the podcast!

The money talking points from today’s episode are

Why do you think money is so difficult?
How can automation help me and my finances?
Which of The 6 Behavioral Finance Tips would help me best?

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Welcome to this week's episode of money talk with skyler fleming. This week we are exploring the question, can money buy happiness. If people feel like you are only chasing more and more money, they will often tell you that money can’t buy happiness. But can it? Let’s look at some research on the topic and various articles online. Plus I am going to weigh in on my idea that the lack of money will leave you unhappy and what that means. But you know what can buy you happiness? Sharing this podcast with your friends so you can all do better with money and enjoy a fun life!

Now that you’ve shared this podcast with your friends. What are the money talking points for this week that you and your friends will discuss?

Can money buy happiness?
How can I avoid lifestyle creep?
How can not having money leaves me unhappy?
How do you balance happiness and money?

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This week we will talk about how to break the money-talking ice! There are a whole lot of people we can talk to about money so in this episode, we will look at all the different relationships where money conversations can come up. Then how do you handle those conversations once they start? Why is talking about money weird or why does it feel that way? Why is talking about money helpful? Then finally how do we get better at talking about money?

The money talking points from today’s episode are

How can we talk about money more?
Why should we talk about money?
What financial questions could I ask others?

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Welcome to this week’s episode of Money Talk with Skyler Fleming. I want to provide a starting point for the podcast since we are 4 seasons and 40 episodes in. It’s hard to believe that I have been going on this podcast for 40 weeks now! My goal when I first started this podcast was to do it for at least a year and we are making steady progress towards that goal! I have learned much about podcasting and personal finance over the last year.

I have quite a few basic foundational things prepared for you in this episode! I have some things that don’t have to do with money but impact your money. As well as some very actionable items. I am excited to wrap a lot of foundational topics into this episode so that there is a good starting point for people to share with their friends. So with that make sure to share with your friends and get to talking about money!

The money talking points from Today’s episode are:

How can I start talking about money with others?
What financial struggles are you having and how can I help?
What foundational topic resonates with you?

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We are all experiencing all sorts of different and new things given the current economy. Things that some of us have never seen before and things that some of us are just fine with. But these things can stir up financial fears that impact us for a very long time. That is what we are going to be talking about today. Financial fears. What are they and how can we overcome them.

The Money Talking Points from today’s episode are:

What financial fears do I have?
How can I overcome these financial fears?
How can I use these fears to prepare for future financial anxiety and uncertainty?

I am excited about this episode. There are also a few things in the pipeline for the podcast that is really exciting. So make sure you subscribe so you don’t miss a thing.

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This week we are going to be talking about some financial planning misconceptions! This may not seem super interesting out the gate but these different ideas have quite the impact on many different places of your financial life. There are a lot of money talking points from today's episode! So be sure to give it a listen!

Check out the article that inspired this episode in the show notes - www.moneytalksnews.com/slideshows/18-big-financial-planning-misconceptions/

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Today’s episode is a good one! I really think you will enjoy it.

The Money Talking Points from today’s episode are:

What bills can I broil?
How can I savor the savings?
Why is tracking net worth a good thing?
What small step can I take today in the right direction?

Be sure to check out Gordon Stein and his Cashflow Cookbook online! You can find it at https://cashflowcookbook.com/

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Thank you for listening to this week’s episode of Money Talk with Skyler Fleming. This episode is about questions to ask yourself before financial decisions. They can be a helpful roadmap to keeping your spending and other decisions in check.

The Money talking points for this episode come from the article in the show notes. They are:

Do I understand what I'm signing up for?
Why do I want this?
Am I willing to wait until tomorrow?
What would I do with the money if I didn't buy this?
How many hours did I work to make this purchase?
Am I trying to make someone else happy?

Check out the article that this episode is based around - 6 Questions I Always Ask Myself Before Making a Personal Finance Decision

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This week we are going to be talking about why it is important to talk about money with your kids! I think this is a very exciting topic and one that can leave an impact on families for a very long time.

The money talking points from today’s episode are:

How can I talk to my kids about money?
How was I talked to about money as a kid?
What is my current relationship with money?
How do I leave my kids in a better financial situation?
Why would I want to leave my kids in a better financial situation?

Be sure to check us out on social media or on my website. @moneytalk.skylerfleming on social media and online at moneytalk.skylerfleming.com. I would love to connect with any of my listeners.

The article from today’s episode - Talking to your kids about money can pay off in the future—it worked for me

https://www.skylerfleming.com/ep-35

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This week we are going to be talking about, talking about pay! I am going to be pulling from this article - Meet the 25-year-old TikToker going viral for asking strangers how much money they make. I think it is an article that opens up to the importance of wage transparency very well.

The Money Talking points from today’s episode are:

How much do you make at your job?
Do you feel like there is an unfair wage situation at your job?
Why do you think it is important to talk about wages?

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Episode 33 - How to Determine Your Money Mindset

The Money Talking points from today’s episode are:

What is your money mindset?
What do you want to do with your money?
Why do you think talking about money is important?

Florian Fritz and I talk about different money mindsets. I think you will really like today’s episode. You can find more info about Florian here https://www.facebook.com/MoneyHeroAcademy/

In podcast news, I was recently on the Chasing Happiness podcast. We talked about quite a few different things. Make sure to go checkout that episode

https://podcasts.apple.com/us/podcast/how-achieving-your-financial-independence-number-can/id1612980301?i=1000559179052

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Season 3 Episode 32

The Money Talking Points from today’s episode are:

1: Are we working together on our finances?

2: What would we both need to know about our finances if one of us were to die?

3: How can we both be more engaged in handling our money?

In today’s episode we cover major life transitions with Rachel Burns CFP. You can find her online at www.truewealthfp.com.

Get the 7 Money Talking Points Guide at www.skylerfleming.com/the-7-money-talking-points

Find the podcast online at www.moneytalk.skylerfleming.com

Find this episode online at www.moneytalk.skylerfleming.com/ep-32

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In today’s episode of Money Talk with Skyler Fleming. We are going to be talking with Rachel Murphy about kids and money. The interview today is great.

Here are the Money Talking Points from today’s episode

Be aware of the financial woes facing younger generations
Let kids experience small financial issues to help them learn to avoid the much larger financial issues.
Personal finance is more behavior than math and that is what we need to teach kids.
Teach a kid money like you would teach them to drive a car.

Find Rachel Murphy online at https://rachelmurphycoaching.com/moneytalk

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This week we are going to be talking about an abundance mindset. We have a guest coming on today’s episode as well. Nicki Conradt-Eberlin joins me to have a money talk about the abundance mindset. She gives us some great pieces of information to take home and talk about. Make sure you share today’s episode with someone who you want to have a money talk with. Let’s get right into today’s episode.

This episodes Money Talking Points are:

Everything will work out. There is going to be enough money.

1: Are you living paycheck to paycheck?

2: What was your living situation growing up?

3: Do you feel like the amount you make is limited?

4: Do you believe you are only worth as much as your employer gives you?

5: Are you afraid to spend money?

6: Do you feel like you constantly have to save for the next what if?

Opportunity presents itself when you have an abundance mindset

Connect with Nicki at unleashedleadership.com

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How is a budget prepared?

This week we are talking with my wife Rebecca about a budget meeting. We are going to go through a mock budget meeting in today’s episode.

Here are the talking points from the episode:

How can I have an effective budget meeting?
How would I benefit from the raise that comes from budgeting?
How could I improve my budget meetings?

Check out the website at moneytalk.skylerfleming.com

Find today’s episode at moneytalk.skylerfleming.com/ep-29

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This is going to be a great long-term episode! We are going to define and talk about The Money Talking Points. These are going to be the key steps and discussions to have around money. There are 7 of them! Make sure to checkout MoneyTalk.SkylerFleming.com to learn more about them and find us online with our new website!

Money Talking Points from Today's Episode

What will I do in the event of an emergency?
How am I making money?
How am I spending money?
How am I saving money?
Do I want to pay off my debt?
What do I want my retirement to look like?
What are my big future money goals?

We also talked about why it is important to talk about money.

You can reach me at moneytalk@skylerfleming.com

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Upbeat Forever Kevin MacLeod (incompetech.com)

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Welcome to this week’s episode. This week we are going to be talking about the IRA and touch on a few other retirement accounts so you have some information about them. Retirement can certainly seem like a boring topic because it is so far away. We want to go shopping and enjoy life now! Right? While that is certainly something everyone wants and something everyone can do. Retirement is important to at least consider. So I hope today’s conversation can provide you with some information or some ideas to put in place so you can be ready when retirement comes.

Upbeat Forever Kevin MacLeod (incompetech.com)

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How do you budget when you're young, just getting started, or hate budgeting? We'll let's talk about that today. I am going to share some information on why budgeting is important. The 50-30-20 method. How budgeting will help you. What happens if you don't budget.

This podcast has also been going for 6 months and I have a new change coming down the road. Make sure you listen to the episode to hear what is coming.

I am really enjoying making this podcast for everyone. If you have a friend or a family member you want to have a money talk with. Share this episode with them and then discuss it. You can also find us on social media very easily.

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My Website

Thank you for listening to Money Talk and please share with a friend! If you have any questions, comments, or suggestions email them to me at moneytalk.ffc@gmail.com

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Today we are going to talk about what is a credit card, the best way and only way to use them, how they can be dangerous, credit card rewards, why do they exist, and I will wrap up with my thoughts on the credit card.

I hope you are enjoying the money talk podcast. As a reminder my goal with this podcast is to bring you a general level of knowledge to get you talking about personal finance and the different aspects of it. In the month of March we are going to be covering some financial products so I hope this gets you thinking about how you can use them in your life.

If you have any topics you want me to cover please email me at moneytalk.ffc@gmail.com. Checkout the show notes if you want to send me a voice message and I will respond to it on the podcast. Let’s get into today’s episode.

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We have another listener requested episode and this week we are going to be talking about the index fund. What is an index fund? It is a term that is getting used a lot more recently as people are learning about passive investing strategies for the long term. You will have probably heard of the term mutual fund. Well these topics are somewhat related. A mutual fund is just an investment tool. Similar to an ETF. I am sure we will talk about these more in the future.

But in today’s episode let’s cover what is an index fund, John Bogle, how index funds work, how they can be used, index funds vs actively managed, types of index funds, and my thoughts and opinion on index funds.

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In today’s episode we are going to be talking about the HSA. A product that not a lot of people have knowledge about and a topic requested by one of my listeners. In this episode we will talk about what an HSA is, how it works, the benefits of it, especially the triple tax advantage, investing your HSA, the disadvantages of the HSA, and how I use an HSA.

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Why should you budget? Everyone has heard one time or another that budgeting is important. But why is that? In today’s episode we are going to dive into that. We are going to talk about why budgeting is important, why it can be hard, how to make it easier, and what to do if you absolutely hate budgeting.

If you have any episode or topic suggestions please let me know at moneytalk.ffc@gmail.com Thank you for listening to Money Talk and let’s get into today’s episode.

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In this week’s episode we are going to talk about zero based budgeting and sinking funds. These are both things that my wife and I use when it comes to handling our finances. We’re going to talk about what a zero based budget is, the pros and cons, how to create a zero based budget, and how sinking funds can play a role.

As always if you have any comments or suggestions email me at moneytalk.ffc@gmail.com. I would love to hear any feedback or episode suggestions.

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Welcome to this week’s episode talking about making a money plan. A lot of the information this week is going to come from a Nerd Wallet Article. So thank you to them for providing this information. They are a resource that I like to use from time to time and I figured I would share some information from their site here with my opinion on a few things.

In this episode we will go over financial goals, tracking and redirecting your money, the employer match, an emergency fund, high interest debt, investing to build savings, and building your financial moat of protection.

I hope you enjoy today’s episode. Let’s talk about some of the changes that you will notice on this podcast and on our social media. Like I mentioned in our break episode we’ve changed our logo and our social media pages just go by money talk now. I wanted to focus more on this podcast and adjusting my social media pages helped a lot with this. In the coming months you should see a website go up for Money Talk. Exciting times. We are now firmly over 200 listens and I would love to get to 300. Please if you know anyone who would enjoy a simple conversation about money. Please share the podcast with them.

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his week we are going to be talking about saving money and the importance of it. How do you get started with saving money? Why do you need to? What are the dangers if you don’t save money? There's also more to saving money than just not spending it. Like investing. Let’s talk about that a bit today as well.

Also, some fun changes in the works! You will notice on social media we no longer go by Fleming Financial Coaching. I am going forward with the Money Talk brand being my main objective. I decided that I just didn’t really want to focus on Financial Coaching right now and that I wanted to primarily focus on making this podcast. I really enjoy making this podcast and hope I can put some more effort into it and be able to improve it in multiple ways. Some fun changes are in the pipeline for social media and for this podcast!

Thanks for listening and let’s get into today’s episode.

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We're on a break this week. Enjoy this short clip of me talking about the stock market. We will be back next week with a full episode!

Thank you for listening to Money Talk. Find us on Facebook and Instagram

Facebook - https://www.facebook.com/MoneyTalkFFC

Instagram - https://www.instagram.com/moneytalkffc/

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Today we're going to be covering how debt can be harmful, how did the debt cycle begin, being debt-free, I'm going to answer some questions, how do you avoid the cycle of debt, and then some food for thought about payments vs. investing. Then we'll wrap up with my thoughts about the debt cycle and share a great financial end of the week so let's get into today's episode!

If you would like to contact me you can reach me at moneytalk.ffc@gmail.com and you can ask me any questions you have and they could be featured in a future episode or you can share with me your financial win and you could be featured on the financial win of the week segment.

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After recovering from COVID Skyler is going to talk about his experience with it and talk about how it impacted him and his wife’s lives with work. This episode is going to be a quick one and cover the importance of an emergency fund and how it can make your life many times easier when it comes to worrying about work. With a specific experience to share, you’ll learn a good reason to have an emergency fund. We are also going to talk about how you can get started with your emergency fund and how going into the new year it should be a goal if you don’t currently have one.

Check out this guide online about building an emergency fund - https://www.consumerfinance.gov/start-small-save-up/start-saving/an-essential-guide-to-building-an-emergency-fund/

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SMART Goals. Specific, Measurable, Attainable, Realistic, & Timely. That is what today’s episode is about. Also in this episode, there is going to be a new mindset around achieving goals where we talk about training instead of trying. Let’s also talk about the wonderful idea of aggregation of marginal gains or compounding interest in our lives. Thank you for listening to Money Talk. Please leave us a review wherever you find your podcasts!

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In this episode, we are going to talk about why people are stuck financially, how you can get started, some motivation towards getting started, and what to do when there are setbacks in your plan! This is going to be a great episode heading into the new year and I hope it really provides you some fuel to actually put in place the change that you have been wanting to make. Let’s start planning for new years resolution before the New Year.

Follow on Instagram - https://www.instagram.com/flemingfinancialcoach/

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Today we are going to get down to the specifics of this podcast. Why we talk about money and why we should talk about money. Talking about money is incredibly important and in my mind the essential reason why so many people fail with their personal finances. We don’t talk about money enough! I am excited to get into this topic with you today so let’s get right into it.

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We are going to be talking about accountability. This means we are going to get to talk about why it is so important to talk about money and how we can stay accountable to ourselves and our goals. Also, don’t be so hard on yourself if you don’t meet a goal perfectly. How else would we learn and grow without hard times? We’re going to talk about that a little bit today as well.

Let’s get into the episode. I hope you enjoy and if you do please leave a 5-star review and share it with a friend.

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In today’s episode, we are going to be talking about budget busters. Especially what some of them are, how they impact you, and a few scenarios in regards to budget busters. Then I will answer some listener-submitted questions about budget busters. Then we will wrap up with some steps to avoid blowing up your budget as well as my thoughts about them

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Finding your why is absolutely crucial to progression with your personal finances. This topic also extends to many other areas of our personal lives. But in this episode, you will hear why you need a why. I will help you find your why. We will talk about the impact of having a real reason. I change up the question segment a little bit and you won’t want to miss it. We will wrap up with implementing your why and my final thoughts. Also, in today’s episode is an introduction of a new segment, financial win of the week!

Please subscribe and share with your friends!

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In today’s episode of money talk, we are going to be talking about some investing. This is the last episode of season 1 and we have some big changes in store for season 2 starting with episode 11. Make sure to subscribe for more content every single week. In episode 10 we are going to be focusing on simple investing. The topics we are going to cover today are crazy investing apps, access to investing, what is simple investing, investing vs gambling, and then you’ll get to hear my investing strategy and my take on what simple investing is.

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In today’s episode of Money Talk we are going to talk about budgeting. We are going to cover the basics of how to start budgeting. The importance of budgeting. What to do when your budget goes astray. Hear some questions and answers about budgeting. The great benefits of budgeting. Then finally I will talk about how budgeting impacts my life and my thoughts about budgeting.

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In this week’s episode, we are going to talk about credit cards. The daunting and potentially dangerous credit card. Let’s explore the basics of what a credit card is. Then let’s get into the bad news then the good news about credit cards. How do you stay in control with a credit card? We will talk about that today as well. Then we will wrap up with my stance and thoughts on credit cards. Hopefully, by the end of this episode, you will have a better understanding of credit cards.

Thank you for listening to Money Talk and I hope you enjoy the show.

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Let’s talk about the holidays this week. We just got done with Halloween and you may already be feeling that holiday strain on your wallet. So let’s go through some key things to think about this time of year. We’re going to talk about gifts, saving, opportunities to have good money conversations, holiday predicaments, and more!

I hope you enjoy this week’s episode about holidays and please leave us a 5 star review wherever you listen to your podcasts. We are growing like crazy and any positive reviews help tremendously. Thank you for listening.

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How do you stay on track when it comes to your personal finances? You have to create a written plan. In this episode of Money Talk, we are going to talk about the great written plan. This episode will cover the importance of a written plan, where to start, the different elements, managing and updating your plan, as well as what to do when real life happens and your plans go amiss.

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Money can seem daunting. In this episode of Money Talk we talk about getting started with your personal finances. I will walk you through understanding your current situation. How to get control of your current situation. How you can set priorities and goals. How to create and stick to a budget. This episode also covers paying off debt and saving money. Then we finish off the episode with how to not get overwhelmed while maintaining good progress. I hope you enjoy this week's episode! Please consider subscribing and sending me a voice message with any question you have!

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In today’s episode we are going to talk about Buy Now, Pay Later payment methods. This is a new trend or at least a name for a long time financial topic. Debt. Let’s talk about what buy now pay later is. The potential benefits of it. The major drawbacks of it. The concerns it raises. How to protect yourself from falling into the trap it creates and more! Hope you enjoy this week’s episode. Please consider subscribing so you can automatically download each new episode.

If you would like to schedule a free consultation call with me for financial coaching you can do so at this link - https://calendly.com/flemingfc/consult

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In this week’s episode we are going to talk about the great and mighty sinking fund! There is a lot that goes into the sinking fund and even some potential pitfall of the sinking fund. There are many great ways to use them. Let’s cover them! You will also get to hear a bit from my wife and her take on how sinking funds help us save.

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This week we are going to be talking about emergency funds. What are some situations where you may need an emergency fund? How much should you save for an emergency fund? What do you do with an emergency fund? There are so many questions that can make a simple emergency fund seem daunting. Let’s go through them today and talk all about the great emergency fund! Keep your emergency fund with Yotta - https://join.withyotta.com/sjayf98

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Meet Skyler Fleming and learn why he likes personal finance so much. In this episode we talk about what Money Talk is and what the podcast is going to be. Hope you enjoy! Make sure to leave a good review if you enjoyed the podcast or it helped you in any way!

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Money Talk with Skyler Fleming: Recent Episodes

Skyler Fleming