Getting Started with FIRE with Gwen and Tim Joiner - 157

Money Talk with Skyler Fleming

Player FM - Internet Radio Done Right

เพิ่มแล้วเมื่อ twoปีที่ผ่านมา

เนื้อหาจัดทำโดย Skyler Fleming เนื้อหาพอดแคสต์ทั้งหมด รวมถึงตอน กราฟิก และคำอธิบายพอดแคสต์ได้รับการอัปโหลดและจัดหาให้โดยตรงจาก Skyler Fleming หรือพันธมิตรแพลตฟอร์มพอดแคสต์ของพวกเขา หากคุณเชื่อว่ามีบุคคลอื่นใช้งานที่มีลิขสิทธิ์ของคุณโดยไม่ได้รับอนุญาต คุณสามารถปฏิบัติตามขั้นตอนที่แสดงไว้ที่นี่ https://th.player.fm/legal

Action Academy | Replace The Job You Hate With A Life You Love

1
How To Replace A $100,000+ Salary Within 6 MONTHS Through Buying A Small Business w/ Alex Kamenca & Carley Mitus 57:50

52 weeksที่แล้ว57:50

ลิสต์เล่นในภายหลัง

ลิสต์

ถูกใจ

ที่ถูกใจแล้ว

57:50

Alex (@alex_kamenca) and Carley (@carleymitus) are both members of our Action Academy Community that purchased TWO small businesses last thursday! Want To Quit Your Job In The Next 6-18 Months Through Buying Commercial Real Estate & Small Businesses? 👔🏝️ Schedule A Free 15 Minute Coaching Call With Our Team Here To Get "Unstuck" Want to know which investment strategy is best for you? Take our Free Asset-Selection Quiz Check Out Our Bestselling Book : From Passive To Passionate : How To Quit Your Job - Grow Your Wealth - And Turn Your Passions Into Profits Want A Free $100k+ Side Hustle Guide ? Follow Me As I Travel & Build: IG @brianluebben ActionAcademy.com…

ประมาณหนึ่งปีที่แล้ว 57:28

MP3•หน้าโฮมของตอน

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

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

181 ตอน

#Podcasting Education #Self-Improvement #Skyler Fleming

Getting Started with FIRE with Gwen and Tim Joiner - 157

Money Talk with Skyler Fleming

published ประมาณหนึ่งปีที่แล้ว

แบ่งปัน

MP3•หน้าโฮมของตอน

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

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

181 ตอน

#Podcasting Education #Self-Improvement #Skyler Fleming

ทุกตอน

Money Talk with Skyler Fleming

1
The Power of a Written Spending Plan with Danielle Reese - 176 44:11

3 วันที่แล้ว44:11

44:11

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/ Sign up for my newsletter: https://money-talk.kit.com/64cbd24b05 Schedule a free Money Talk at https://moneytalkwithskylerfleming.com/chat Get your free Money Talk resources at https://moneytalkwithskylerfleming.com/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 moneytalkwithskylerfleming.com/quick-links "Upbeat Forever"Kevin MacLeod ( incompetech.com )Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/…

Money Talk with Skyler Fleming

1
Financial Success is Different Now Than it was for Your Parents with Ron Turba - 175 36:28

10 วันที่แล้ว36:28

36:28

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 Sign up for my newsletter: https://money-talk.kit.com/64cbd24b05 Schedule a free Money Talk at https://moneytalkwithskylerfleming.com/chat Get your free Money Talk resources at https://moneytalkwithskylerfleming.com/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 moneytalkwithskylerfleming.com/quick-links "Upbeat Forever"Kevin MacLeod ( incompetech.com )Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/…

Money Talk with Skyler Fleming

1
Getting Started Talking about Money and Helping Others with Cody Garrett - 174 42:22

17 วันที่แล้ว42:22

42:22

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 Topics 00:00 – 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 Mentioned Cody Garrett’s website: https://www.measuretwicemoney.com/ Sign up for my newsletter: https://money-talk.kit.com/64cbd24b05 Schedule a free Money Talk at https://moneytalkwithskylerfleming.com/chat Get your free Money Talk resources at https://moneytalkwithskylerfleming.com/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 moneytalkwithskylerfleming.com/quick-links "Upbeat Forever"Kevin MacLeod ( incompetech.com )Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/…

Money Talk with Skyler Fleming

1
How Much Will You Need For Retirement with Eric Brotman - 173 40:55

24 วันที่แล้ว40:55

40:55

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. 🚀 Sign up for my newsletter: https://money-talk-with-skyler-fleming.kit.com/64cbd24b05 Schedule a free Money Talk at https://moneytalkwithskylerfleming.com/chat Get your free Money Talk resources at https://moneytalkwithskylerfleming.com/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 moneytalkwithskylerfleming.com/quick-links "Upbeat Forever"Kevin MacLeod ( incompetech.com )Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/…

Money Talk with Skyler Fleming

1
Is College Unaffordable with Shymika Davison - 172 45:20

4 weeksที่แล้ว45:20

45:20

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 Sign up for my newsletter: https://money-talk-with-skyler-fleming.kit.com/64cbd24b05 Schedule a free Money Talk at https://moneytalkwithskylerfleming.com/chat Get your free Money Talk resources at https://moneytalkwithskylerfleming.com/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 moneytalkwithskylerfleming.com/quick-links "Upbeat Forever"Kevin MacLeod ( incompetech.com )Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/…

Money Talk with Skyler Fleming

1
Getting that Perfect Work-Life Balance with Warren Miles-Pickup - 171 41:51

5 weeksที่แล้ว41:51

41:51

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! 💸🎧…

Money Talk with Skyler Fleming

1
Change Our Mindset to Change Our Habits with Scott Yamamura - 170 37:11

6 weeksที่แล้ว37:11

37:11

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! Sign up for my newsletter: https://money-talk-with-skyler-fleming.kit.com/64cbd24b05 Schedule a free Money Talk at https://moneytalkwithskylerfleming.com/chat Get your free Money Talk resources at https://moneytalkwithskylerfleming.com/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 moneytalkwithskylerfleming.com/quick-links "Upbeat Forever"Kevin MacLeod ( incompetech.com )Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/…

Money Talk with Skyler Fleming

1
How to Get Started with Investing When You’re Young with TJ van Gerven - 169 38:27

7 weeksที่แล้ว38:27

38:27

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 financial goals How to set up joint accounts while maintaining independence The importance of tax planning & risk management [00:27:00] – What Simple Financial Planning Step Can Help You Now? Emergency funds turn financial stress into minor inconveniences Budgeting on last month’s income for financial peace of mind Why a written financial plan makes saving and investing easier Resources & Mentions Do More With Your Money – TJ’s Podcast: https://domorewithyourmoney.libsyn.com/ Modern Wealth Builders – TJ’s Financial Planning Firm: https://mementofinancialplanning.com/ Final Thoughts This episode was packed with insights on how to start investing—even with a small amount of money. The key takeaways? Start today, keep it simple, and automate your investing. Small actions today lead to massive financial growth over time. I’d love to hear your thoughts—what’s your next step in investing? Sign up for my newsletter: ht…

Money Talk with Skyler Fleming

1
Savings Buckets and a Better Money Mentality with Therese Nicklas - 168 44:00

8 weeksที่แล้ว44:00

44:00

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 Sign up for my newsletter: https://money-talk-with-skyler-fleming.kit.com/64cbd24b05 Schedule a free Money Talk at https://moneytalkwithskylerfleming.com/chat Get your free Money Talk resources at https://moneytalkwithskylerfleming.com/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 moneytalkwithskylerfleming.com/quick-links "Upbeat Forever"Kevin MacLeod ( incompetech.com )Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/…

Money Talk with Skyler Fleming

1
Budgeting Tips and Tricks - 167 30:11

9 weeksที่แล้ว30:11

30:11

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 Setting up separate accounts to prevent overspending My sister’s success story with a hidden savings account How direct deposit can help you build wealth without thinking about it ⏳ [19:00] Budget Meetings: A Must for Financial Success Why scheduling a monthly money check-in is crucial Download my FREE Budget Meeting Guide Benefits: ⏳ [21:00] No Spend Challenges: A Fun Reset for Your Budget How to try a No Spend Day or No Spend Week Tips for making it work in real life The mental shift that comes from cutting back ⏳ [26:00] Final Thoughts & Money Talking Points What budgeting tip resonated most with you? Can you handle a $400 emergency right now? If not, let's fix that! What would it mean to you to budget on last month’s income? Resources & Links Mentioned 📌 Download my FREE Budget Meeting Guide: https…

Money Talk with Skyler Fleming

1
How is Money Different without Children with Bri Conn - 166 34:01

10 weeksที่แล้ว34:01

34:01

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 Sign up for my newsletter: https://money-talk-with-skyler-fleming.kit.com/64cbd24b05 Schedule a free Money Talk at https://moneytalkwithskylerfleming.com/chat Get your free Money Talk resources at https://moneytalkwithskylerfleming.com/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 moneytalkwithskylerfleming.com/quick-links "Upbeat Forever"Kevin MacLeod ( incompetech.com )Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/…

Money Talk with Skyler Fleming

1
Big Announcement - The Budget Meeting Guide 11:45

11 weeksที่แล้ว11:45

11:45

Get The Budget Meeting Guide - https://moneytalkwithskylerfleming.com/resources/get-the-budget-meeting-guide In this special episode, we’re announcing The Budget Meeting Guide —a brand-new resource designed to help you take control of your finances with regular budget meetings. You can download the guide now using the link at the top of the show notes! We’ll walk through the guide page by page and discuss tips and tricks for making your budget meetings stress-free and productive. If you want to watch the breakdown, head over to YouTube for the video version. The Budget Meeting Guide is a step-by-step resource designed to help you take control of your finances through regular, stress-free budget meetings. It provides a simple framework for tracking expenses, setting financial goals, and having productive money conversations—whether with a spouse, partner, or on your own. Inside, you’ll find a structured agenda, key discussion points, and practical tips to make budgeting easier and more effective. By following this guide, you’ll build confidence, reduce financial stress, and create a plan to stay on top of your money with clarity and purpose. The money talking points for this week are: How can you get started with a budget meeting? How could a budget meeting benefit you? What would healthy and productive money talks mean to you? Episode Timestamps: [00:00:00] – Introduction 📢 Why we created The Budget Meeting Guide Where to download it Extra tips in this episode beyond what’s in the guide [00:01:00] – The Money Talking Points 💬 1️⃣ How can you get started with a budget meeting? 2️⃣ How could a budget meeting benefit you? 3️⃣ What does a productive money talk mean to you? [00:02:00] – What is the Budget Meeting Guide? 📝 A simple, stress-free way to start talking about money Regular budget meetings: how they work and why they matter [00:03:00] – How to Prepare for Your First Budget Meeting 🔍 The power of tracking your expenses (recommended tools: Excel, Google Sheets, Monarch Money, YNAB) A free five-year budget spreadsheet template (included in the guide!) Scheduling a free money talk with me! [00:04:00] – What to Discuss in Your Budget Meetings 🗂️ Monthly, quarterly, and annual financial topics Real-life examples from my own budget meetings [00:05:00] – Why You Need a Budget Meeting Agenda 📄 Download my Google Doc template for a simple budget meeting structure Writing things down = better organization and less stress [00:06:00] – Secret Tips for a Productive Budget Meeting 🔑 Plan ahead & write down discussion topics Only discuss money during scheduled meetings (reduces stress & anxiety) How this transformed my own money conversations with my wife [00:07:00] – How a Budget Meeting Reduces Stress 😌 Why setting a time to discuss money means you’ll think about it less overall How to avoid constant money discussions & improve financial communication [00:08:00] – How Budget Meetings Benefit You ✅ Decrea…

Money Talk with Skyler Fleming

1
The Power of Intentionality with Budgeting with Zach Whelchel - 165 40:09

11 weeksที่แล้ว40:09

40:09

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 Sign up for my newsletter: https://money-talk-with-skyler-fleming.kit.com/64cbd24b05 Schedule a free Money Talk at https://moneytalkwithskylerfleming.com/chat Get your free Money Talk resources at https://moneytalkwithskylerfleming.com/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 moneytalkwithskylerfleming.com/quick-links "Upbeat Forever"Kevin MacLeod ( incompetech.com )Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/…

Money Talk with Skyler Fleming

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Setting Goals That You’ll Keep with Derrick Kinney - 164 43:18

12 weeksที่แล้ว43:18

43:18

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. Sign up for my newsletter: https://money-talk-with-skyler-fleming.kit.com/64cbd24b05 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-fleming "Upbeat Forever"Kevin MacLeod ( incompetech.com )Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/…

Money Talk with Skyler Fleming

1
Why is it So Hard to Get Started with Money with Jessica Patel - 163 46:37

13 weeksที่แล้ว46:37

46:37

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: https://moneytalkwithskylerfleming.com/resources/get-the-7-money-talking-points Find Jessica Patel online at groovemoney.org Sign up for my newsletter: https://money-talk-with-skyler-fleming.kit.com/64cbd24b05 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-fleming "Upbeat Forever"Kevin MacLeod ( incompetech.com )Licensed under Creative Commons: By Attribution 3.0…

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Money Talk with Skyler Fleming « » Getting Started with FIRE with Gwen and Tim Joiner - 157

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Money Talk with Skyler Fleming « »
Getting Started with FIRE with Gwen and Tim Joiner - 157