Money Talk

In this week’s episode of Money Talk, I’m flying solo for a very special reason. It’s the final episode of the show! After over four years of hosting Money Talk, I’m reflecting on what this podcast has meant to me, the lessons I’ve learned, and how it’s shaped my journey from a call center employee to a financial planner. I’m also sharing what’s next for me and how you can continue our money conversations through my new podcast, Financial Planning for Young Adults.Whether you’ve been listening since 2021 or you just found Money Talk recently, this episode is for you. I’m diving into how to start simple, meaningful money conversations, how financial planning can create opportunity in your life, and why talking about money without numbers can be so powerful. This is my farewell episode to my podcast, Money Talk💰 This Week’s Money Talking PointsWhat has this podcast meant to you?How do you start a money talk?How is financial planning helpful?🔗 Resources & Mentions:Subscribe to Financial Planning for Young Adults: https://www.youtube.com/@FPYApodStay connected: Send me an email to share what Money Talk has meant to you: skyler@moneytalk.show⏱ Time Stamps:[01:19] How this podcast began and what’s changed in the last 4+ years[03:19] What hosting Money Talk has taught me[05:18] How to start a money talk the simple way[07:23] Practical examples of conversation starters without numbers[09:00] What money means to me[10:30] Why financial planning is such a powerful tool for young adults[11:49] Moving forward with my new podcast, Financial Planning for Young AdultsThank you for being part of Money Talk!Support the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chatGet your free Money Talk resources at https://moneytalk.show/resourcesFind 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

In this week’s episode of Money Talk, I sat down with Hanna Horvath, a CFP® Professional and the creator of Your Brain on Money, to explore why we behave the way we do with our finances. We tackled everything from first money memories to the emotional patterns driving our spending and saving habits, and how to finally make lasting changes with our money. Hanna brings such great insights into the psychology behind financial decisions, and this conversation will completely shift how you think about your dollars.Whether you’re someone who saves every penny or someone who feels like money disappears the second you earn it, this episode will give you the awareness and practical steps to create balance in your financial life. We talk about why both overspending and over-saving can be dangerous, how marketing manipulates our emotions, and why understanding your internal money story is the key to real behavior change.💰 This Week’s Money Talking PointsWhat’s your first money memoryWhy is money so challenging?How important is our mindset with money?🔗 Resources & Mentions:Hanna Horvath’s newsletter Your Brain on Money: https://yourbrainonmoney.substack.com/⏱ Time Stamps:[02:46] First money memory discussion[05:38] Why money is so challenging[08:53] The role of mindset[10:11] How marketing manipulates us[10:59] First money memory exercise[14:23] Dangers of money extremes[17:25] Money as a tool for your values[20:59] Money shouldn't be the end goal[23:38] Culture of more and aspirational marketing[25:29] Making lasting behavior change[27:48] The 24-hour rule and cart day[29:44] Managing money anxiety[31:36] No amount of money fixes your relationship with it[32:10] Closing thoughts and next episode previewSupport the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chatGet your free Money Talk resources at https://moneytalk.show/resourcesFind 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

In this week's episode, I sat down with Caitlin Durning, the owner of Meraki Media Management, to talk about something we’ve never tackled on the show before, receiving an inheritance or unexpected windfall. Caitlin shares her personal experience of inheriting money as a teenager, the emotional rollercoaster that came with it, and the practical steps she took to turn a life-changing event into a foundation for her future.Whether you’ve ever wondered what you’d do if you received a large sum of money, or you’re preparing for a potential inheritance in your family, this episode will give you real insight into the emotions, strategies, and conversations that matter most. Caitlin’s story is full of lessons on planning wisely, handling the guilt or confusion that can come with sudden wealth, and using money to build a life you truly want.💰 This Week’s Money Talking PointsWhat emotions come with an inheritance?Why is talking about potential inheritances important before they happen?How should we talk to people who have received an inheritance?🔗 Resources & Mentions:Connect with Caitlin Durning: https://merakimediamanagement.com/Follow Caitlin on Instagram: https://www.instagram.com/meraki.media⏱ Time Stamps:[02:43] Caitlin shares the emotions she felt receiving her inheritance[06:09] Navigating technicalities like guardianship and inheritance laws[08:12] The importance of talking about inheritance and estate planning early[13:22] How Caitlin approached using her inheritance to create long-term impact[16:52] Shaping life goals and aligning money with your dreams[24:50] Journaling, identity, and building a healthy relationship with money[30:00] The power of trusted advisors and supportive networks

In this week's episode of Money Talk, I sat down with Daniel Rodgers, an award-winning author, financial educator, and early retiree, to dive deep into what financial independence really takes. Daniel spent 20 years leading complex programs at Microsoft and Google before achieving early retirement, and now he’s teaching others how to create work-optional lives. We explored everything from the realities of calculating your financial independence number to the emotional side of leaving your 9-to-5, making this a must-listen for anyone chasing financial freedom.Whether you’re just starting your first job, feeling stuck in debt, or already dreaming about your early retirement date, this episode will give you both the tools and the mindset to start building a life where work becomes optional. Daniel brings powerful insights on compounding, spending with intention, and how reclaiming your time can completely change your happiness and relationships.💰 This Week’s Money Talking PointsIs financial freedom available for everyone?What does work optional really mean?What are some misconceptions about early retirement?🔗 Resources & Mentions:Find Daniel online at www.escapetheclock.com/subscribeEscape the Clock (Book) – Daniel’s award-winning guide to financial freedom and early retirement⏱ Time Stamps:[05:42] The power of starting early and letting compound interest work for you[10:15] What “work optional” really means for your lifestyle[11:56] Misconceptions and emotional realities of early retirement[20:19] How to start calculating your personal financial independence number[37:05] Why running the numbers can calm money anxiety and create clarity[41:15] The one thing Daniel wishes he had known when starting his financial freedom journeySupport the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chatGet your free Money Talk resources at https://moneytalk.show/resourcesFind 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

In this week’s episode, I sat down with Jeffrey Panik, an experienced financial planner and the founder of Balance Wealth Partners, to talk all about building a lifelong financial plan that actually works. Jeff brings nearly 25 years of experience helping people balance their financial obligations with living a happy, intentional life. Together we break down why starting sooner matters, how to create a financial life inventory, and how to set yourself up for success no matter where you’re starting from.Whether you’re just stepping into adulthood, trying to get a handle on student loans, or finally thinking about retirement down the line, this episode will give you the mindset and small, practical steps to start now. We talk about creating habits that stick, tackling debt without shame, understanding the role of insurance, and how talking about money with others can clear the “financial fog” so many of us feel.💰 This Week’s Money Talking PointsHow important is a plan for our money?Why does money seem overwhelming?How can talking about money help calm the overwhelm?🔗 Resources & Mentions:Jeffrey Panik: Learn more about Jeff’s work and access his Financial Life Inventory Plan at jeffreypanik.comJeff’s Books: Resources for young adults and pre-retirees to build and implement financial plans (linked on his website)Balance Wealth Partners: Jeff’s firm specializing in intentional financial planning⏱ Time Stamps:[00:02:23] Why having a financial plan is essential for success[00:04:53] The benefits of starting early and building healthy habits[00:06:38] Why money feels overwhelming and clearing the “financial fog”[00:10:46] What a Financial Life Inventory Plan is and how to start one[00:17:16] Small steps, automation, and building lasting financial habits[00:20:31] The crucial role of insurance in protecting your financial plan[00:23:40] Managing debt, student loans, and avoiding the financial spiral[00:28:39] How financial planning and learning from mistakes can transform your futureSupport the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chatGet your free Money Talk resources at https://moneytalk.show/resourcesFind 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

In this week's episode of Money Talk, I sat down with Chris Pollard, a US Army veteran, West Point graduate, and principal of Great Path Planning, to talk all about how to confidently spend the money you’ve worked so hard to save. Chris brings over 15 years of experience in retirement income planning, tax strategy, and wealth management, and he shares how to break free from the scarcity mindset so you can live a purposeful, secure life with your money.Whether you’ve always felt nervous about spending, or you’re wondering when it’s safe to stop hyper-saving, this conversation will give you tools to align your money with your values, ditch the guilt, and finally enjoy the life you’re building. We cover everything from mindset shifts and automation tips to building confidence in your spending decisions.💰 This Week’s Money Talking PointsHow important is confident spending?Why should we focus on more than just saving money?How can someone ever be ok with spending money?🔗 Resources & Mentions:Connect with Chris Pollard: chris.pollard@greatpath.comGreat Path Planning: https://greatpathfp.com/Chris Pollard on LinkedIn: https://www.linkedin.com/in/chris-pollard-mba-cfp®-ea-1b9a4b1b/overlay/contact-info/⏱ Time Stamps:[02:15] Why confident spending creates more freedom[05:09] Moving beyond black-and-white saving and spending[10:00] Scarcity mindset and how it holds us back[14:00] Aligning your spending with your values[19:15] Community, connection, and using money as a tool[27:00] Automating spending in retirement to reduce fear[35:00] Building agency and trusting your adaptability[40:39] Final takeaways: enjoying life along the waySupport the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chatGet your free Money Talk resources at https://moneytalk.show/resourcesFind 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

In this week’s episode of Money Talk, I sat down with Grace Del Rey, a financial strategist, sound healer, and founder of SGBS Consulting and the Saving Grace Money Method. Grace blends practical business strategy with mindset and energy work to help people heal their relationship with money, release financial stress, and build wealth from the inside out. Together, we tackled the big topic of money shame, including why it happens, how to confront it, and how to move forward with confidence.Whether you’ve been stuck in credit card debt, living paycheck to paycheck, or simply feeling weighed down by guilt over past financial choices, this episode will give you the tools and encouragement to shift your mindset and start building momentum. We talk about creating buffers, breaking free from money pits, and using affirmations and self-worth to turn your mindset into a financial superpower.💰 This Week’s Money Talking PointsWhat are some common financial pain points?How can we confront financial shame?How can money shame impact everyone regardless of financial status?🔗 Resources & Mentions:Grace Del Rey – SGBS Consulting: Learn more about Grace’s work and her programs like Love Yourself Rich at https://sgbsconsulting.com⏱ Time Stamps:[00:03:10] Common financial pain points: credit card traps, subscriptions, and lifestyle creep[00:07:40] Breaking the cycle: why building a small cash buffer is a game-changer[00:14:20] How money shame impacts everyone[00:18:00] Concrete steps to get out of credit card debt and regain control[00:21:38] Building optimism and using mindset shifts and affirmations[00:27:10] Money as a mirror of self-worth and the importance of setting your value[00:31:01] Why community and conversations can accelerate your financial progressSupport the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chatGet your free Money Talk resources at https://moneytalk.show/resourcesFind 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

In this week’s episode of Money Talk, I sat down with Brittany Flammer, a certified financial coach, mom of five, and spreadsheet-loving budgeting pro, to explore how FinTech can actually make managing your money easier. Brittany went from living close to the poverty line with five kids to building an $800,000 net worth, and now she helps others start and stick with budgeting. Together, we tackled budgeting apps, automation, credit-building tools, and even full DIY financial planning strategies with approachable tips for any stage of your money journey.💰 This Week’s Money Talking PointsWhat is your favorite budgeting app?What’s the biggest struggle you have with FinTech?Do you prefer pen and paper or a digital app?🔗 Resources & Mentions:Connect with Brittany Flammer: brittanyflammer.comBudgeting Tools Mentioned: Google Sheets, EveryDollar, Monarch MoneyBanking & Savings Tools: Ally Bank (Buckets), SoFi (Vaults & Relay), Wealthfront (Categories)Financial Planning & Tracking: Empower (formerly Personal Capital), Projection LabEstate Planning: Trust & WillCredit Building & Monitoring: Chime Secured Card, WalletHub, AnnualCreditReport.comFlat-Fee and Advice-Only Planning: Hello Nectarine, Advice-Only Network⏱ Time Stamps:[02:29] Brittany’s favorite budgeting method and why spreadsheets still win[04:18] Biggest struggles people face with FinTech apps[06:19] Pen & paper vs. digital budgeting—what actually works[14:49] Beyond budgeting: high-yield savings, estate planning, and identity protection[22:28] Where beginners should start with budgeting and tracking spending[26:00] Tools and strategies for starting to invest[30:37] Building credit and protecting your identity with smart toolsSupport the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chat"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

In this week’s episode of Money Talk, I sat down with Rebecca Herbst, a financial literacy advocate, early retiree, and founder of Yield and Spread, to talk about generosity and giving beyond the holiday season. We dove into how you can create a mindset of generosity, build habits that make giving natural, and even give in ways that fit your financial independence journey. Rebecca brings a thoughtful and empowering perspective on using your money as a tool for good without derailing your own financial goals.Whether you’re just starting your path to financial independence, in the thick of wealth-building, or already enjoying early retirement, this episode will help you reframe generosity, overcome the fear of giving, and start making a real impact. You’ll walk away with practical steps to start small, give consistently, and feel confident that your money is doing meaningful work.💰 This Week’s Money Talking PointsWhat does generosity mean to you?How can you be generous without lots of money?How has giving impacted your life?🔗 Resources & Mentions:Yield and Spread: Learn more about Rebecca’s nonprofit and the Philanthropy Pledge at yieldandspread.org/moneytalkThe Life You Can Save by Peter Singer: https://www.thelifeyoucansave.org/wp-content/uploads/2022/11/The_Life_You_Can_Save_eBook.pdfPhilanthropy Calculator: See how giving impacts your FI timeline at Yield and Spread⏱ Timestamps:[02:08] Rebecca defines generosity and the three ways to give[04:00] Reframing scarcity mindset and realizing your global wealth[08:00] Starting small and building a giving habit you won’t miss[12:00] Moving from fear to confidence in charitable giving[16:10] Creating a simple system to make generosity automatic[24:00] The personal finance community’s next evolution: generosity[28:00] How to continue giving long after the holidays[32:30] Rebecca’s journey: FI, early retirement, and growing into generosity[40:10] The power of community and seeing others live it outSupport the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chatGet your free Money Talk resources at https://moneytalk.show/resourcesFind 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

In this week's episode of Money Talk, I sat down with Anthony Weaver, host of the About That Wallet podcast, to dive into his BIKE Method for managing money. Anthony grew up experiencing financial hardship, and now he’s on a mission to help people simplify their finances and feel confident with their money. Together, we break down how to use the BIKE Method. Budget, Income, Knowledge, and Execution to create a solid foundation and start moving toward real financial freedom.Whether you’re just starting to get serious about your money, looking for ways to grow your income, or trying to figure out why your financial plans keep stalling, this conversation will give you the tools and encouragement to take small, meaningful steps forward. Anthony shares personal stories, practical tips, and a mindset shift that makes managing money feel doable—no matter where you’re starting from.💰 This Week’s Money Talking PointsWhy is talking about money important?Why should people consider creating content around personal finance?Are budgets important?🔗 Resources & Mentions:About That Wallet Podcast: https://www.aboutthatwallet.com/⏱ Timestamps:[00:02:01] Why talking about money is really about better communication[00:08:06] Breaking down the BIKE Method: Budget, Income, Knowledge, Execution[00:09:00] Budgeting as the foundation and how it protects against emergencies[00:14:52] The role of income and shifting from a scarcity to abundance mindset[00:17:35] Building knowledge to spot opportunities and avoid costly mistakes[00:24:02] Execution: Taking small, confident steps to build real momentum[00:33:02] Why progress beats perfection and the importance of giving yourself grace

In this week’s episode of Money Talk, I sat down with Mike Turner, a real estate entrepreneur, author, and educator with over 20 years of experience building wealth through real estate. Mike brings a fresh, practical take on how to get started without betting the farm, the mistakes to avoid, and why he now focuses on manufactured homes and partnership-based investing to create real passive income streams.Whether you’re just curious about real estate or ready to take your first step, this episode will help you see investing in a new light. We break down REITs versus direct investing, why debt can be so risky, and how to start building income streams that aren’t tied to your time.💰 This Week's Money Talking Points:What excites you about real estate investing?Why does real estate seem so daunting?How does real estate impact someone’s wealth🔗 Resources & Mentions:Mike Turner Life: Learn more about Mike’s work, resources, and free investment club at https://miketurnerlife.comFinancial Planning for Young Adults: My new podcast to help young adults start their financial journey—linked in the show notes⏱ Time Stamps:[04:05] The excitement of building income streams and financial freedom[08:00] Why real estate feels so risky—and the dangers of leverage[13:30] REITs vs. direct real estate investing: where to start[16:11] Mike’s low-risk strategy: affordable housing and manufactured homes[21:10] Partnering instead of borrowing to remove risk[28:00] The importance of networking and finding mentors in real estate[33:10] Common mistakes new investors make and how to avoid them[36:17] Mike’s biggest lesson: building income not tied to your timeSupport the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chatGet your free Money Talk resources at https://moneytalk.show/resourcesFind 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

In this week’s episode of Money Talk, I’m bringing you one of my favorite throwback interviews with Matt and Joel from the How to Money podcast. These guys have recorded 700+ episodes and bring an incredible mix of practical money advice, humor, and real-life experience to the conversation. We talked all about how money conversations start awkwardly, why talking about money matters so much, and how your financial focus naturally evolves from the nuts and bolts to creating the life you actually want to live.Whether you’re just starting out on your financial journey, stuck in the debt payoff stage, or thinking about how to use your money to buy back your time, this episode will give you encouragement, practical tips, and a hopeful perspective on how your money story can change over the years. We also talk about how to start money conversations with friends, spouses, and peers without making it weird, plus why hobbies are an essential part of your financial plan!💰 This Week's Money Talking Points:How has your view on money changed over the yearsWhat money podcasts or books are you interested in right now?How would you spend your time if money wasn’t an issue?🔗 Resources & Mentions:Matt & Joel’s Podcast: How to MoneyMy new podcast: Financial Planning for Young Adults: https://www.youtube.com/@FPYApodRecommended Reads:The Automatic Millionaire by David Bach: https://amzn.to/3XfI7jPThe One Page Financial Plan by Carl Richards: https://amzn.to/4oVgt7PTax Planning to and Through Early Retirement by Cody Garrett & Sean Mullaney: https://amzn.to/4pA4pcl⏱ Time Stamps:[04:00] Breaking the stigma and normalizing money talks[07:20] How their own money conversations evolved over 700+ episodes[12:15] Why hobbies and lifestyle design matter just as much as the math[20:45] Talking about money in marriage and setting shared goals[28:29] Biggest lessons learned from years of podcasting about money[32:35] Practical tips for starting money conversations with friends or peers[39:15] My personal money reflections and this week’s Money Talking PointsIf you enjoyed this throwback and want to hear more classic episodes from the Money Talk archives, let me know on Spotify or YouTube! And don’t forget to check out Financial Planning for Young Adults if you or someone you know is ready to take the first step toward a confident financial future.

In this week’s episode of Money Talk, I sat down with Michelle Malawer, a money coach who empowers high‑earning women to build confidence with their finances and create wealth‑funded lives they love. We talked about shifting your mindset to see money as a tool, why safe and judgment‑free conversations about money are so powerful, and how to build the life you imagine with the resources you already have.Whether you’re navigating debt and feeling stuck, finally making a strong income and wanting to use it intentionally, or just curious how to have healthier money conversations, this episode will give you the perspective and strategies to start using money to design the life you want.💰 This Week’s Money Talking PointsWhy is talking about money important?What challenges do women face with money?What do you think of one-size-fits-all financial advice?🔗 Resources & Mentions:Connect with Michelle Malawer on LinkedIn: Michelle MalawerBook Mentioned: Unbound: A Woman’s Guide to Power by Kasia Urbaniak: https://amzn.to/49XjekoBook Recommendation: The Automatic Millionaire by David Bach: https://amzn.to/47VuWed⏱ Time Stamps:[02:28] Why talking about money matters and how it can change your financial future[07:46] The unique challenges women face with money and real client stories[12:13] Creating safe environments for open, judgment‑free money conversations[19:15] How to start dreaming bigger and giving yourself permission to desire[21:34] Shifting from money as a goal to money as a tool for life design[26:00] Client transformations and using money to create your vision[29:18] Michelle’s personal journey from debt and shame to empowerment[31:31] Final takeaways and the one thing Michelle wishes she had known soonerSupport the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chatGet your free Money Talk resources at https://moneytalk.show/resourcesFind 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

In this week’s episode of Money Talk, I’m joined by Shari Rash, a nationally recognized financial advisor, money mindset expert, and host of Everyone’s Talking Money. Shari has been named a 2024 Best Wealth Manager and Advisor Under 40 by Investment News, and she brings incredible insight into how our mindset shapes the way we save, spend, and feel about our money. Together, we break down why numbers aren’t the whole story, how to use money as a tool to reach your goals, and the small mindset shifts that can completely change your financial life.Whether you’re someone who avoids money conversations entirely or a super-saver who still feels anxious about spending, this episode will help you understand your emotional relationship with money and give you practical strategies to create a healthier, happier approach. We talk about moving away from extremes, aligning your spending with your values, and the power of awareness when it comes to your first money memory.💰 This Week’s Money Talking Points:What kind of role does mindset play in our relationship with money?What’s an example of an unhealthy money mindset you might recognize in yourself?What does a healthy money mindset look like, and how can you start building one?🔗 Resources & Mentions:Shari Rash – Everyone’s Talking Money Podcast & Resources: everyonestalkingmoneypodcast.comShari’s Financial Planning Firm: GWA Wealth⏱ Time Stamps:[03:34] Shari shares how emotions shape our money decisions[07:22] The dangers of extreme saving and the “miser mindset”[11:45] Healthy money mindsets and aligning spending with your values[16:39] Automation and paying your “future self” first[27:00] Viewing money as a tool instead of an end goal[33:17] Building awareness with your first money memory[37:20] Shari’s advice for getting started and her personal reflectionSupport the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chatGet your free Money Talk resources at https://moneytalk.show/resourcesFind 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

In this episode, I sat down with Dr. Mark Teague to talk about something we all face but rarely discuss openly: life's curveballs. From unexpected job losses to career transitions and financial pressures, Mark shares his unique framework for handling whatever life throws your way. With a background that spans from growing up on a farm to leading teams in banking and finance, Mark brings both traditional wisdom and modern insights to help working families build resilience and meaningful legacies. We dive deep into his "blob versus frame" approach to problem-solving, discuss why inflation is crushing the working class, and explore how accepting life as a series of problems can actually make you more successful. This is a conversation about resilience, practical financial wisdom, and building a life that matters even when things don't go according to plan.💰 Money Talking PointsHow do you handle unexpected career or life transitions?What role does resilience play in financial success?How can working-class families build a meaningful legacy🔗 Resources & LinksMark's Website: aworkingmansguide.com🕰️ Key Timestamps[00:03:00] - Mark introduces the "blob versus frame" concept for problem-solving[00:09:00] - Why accepting life as a series of problems makes you a serious person others can rely on[00:12:50] - Simplify when pressure hits: break problems into separable components[00:16:40] - The burden of freedom: why you must be willing to change[00:22:20] - Inflation as a policy choice and why it's crushing working families[00:23:20] - Warning: we're marching toward a bond market crisis

In this episode, we're diving deep into why so many people feel smart about money but still struggle financially and more importantly, how to break free from that cycle. I sit down with Doug Lynam, a former Benedictine monk turned money manager, who brings a unique perspective on wealth, mindset, and what he calls our "money monsters." Doug shares how our childhood wounds and personality types shape our financial behaviors, often keeping us trapped in unhealthy patterns. We explore whether it's the financial system that keeps us stuck or our own mindset, and Doug offers practical steps to start taking control. This conversation is packed with insights about recognizing when you're stuck, understanding money as a tool rather than something to fear or worship, and finding your financial calling. If you've ever felt like you're doing everything right but still not getting ahead, this episode is for you.💰 Money Talking PointsHow does avoiding money talks keep us poor?How can talking about money be so beneficial?What makes money so complicated when it’s just numbers?🎙️ Key Timestamps[00:07:00] - Understanding Money Monsters: Doug explains the Enneagram system and how there are nine personality types, each with their own unique "money monsters" that sabotage financial success.[00:12:00] - From Monk to Money Manager: Doug shares his incredible story of spending 20 years in a monastery that went bankrupt, and how that experience led him to discover his calling in helping others with their finances.[00:14:30] - The Importance of Taking Action: We discuss how contemplation and compassion are important, but action is the key step to actually solving financial problems.[00:17:00] - Money as a Tool for Good: Doug shares his philosophy that we're all here to "heal the crack in the world" we were born to fix, and money is the tool that helps us do that.🔗 Resources & LinksConnect with Doug Lynam: Visit his website at douglynam.comFinancial Planning for Young Adults: https://creators.spotify.com/pod/profile/fpya/Schedule a Free Money Talk: moneytalk.show/chat

In this episode, I sit down with Jesse Hurst, CFP and CEO of Impel Wealth Management, to challenge one of the biggest misconceptions in personal finance: that all spending is bad. With over 30 years of experience helping clients navigate retirement, Jesse shares how financial planning isn't about restriction, it's about freedom. We explore the psychology behind the transition from saving to spending, why successful savers often struggle to enjoy their wealth in retirement, and how to develop a healthy relationship with money at every life stage. Whether you're a young adult just starting out or approaching retirement with millions saved, this conversation will help you find the balance between enjoying life today and securing your financial future.💰 This Week’s Money Talking PointsIs all spending bad?How can we develop a healthy relationship with spending?How can we find the balance in spending to enjoy life vs saving for the future?🕰️ Key Timestamps[00:02:14] Financial Planning is Freeing, Not Restrictive[00:04:00] The Accumulation vs Distribution Challenge[00:06:00] Understanding the 4% Withdrawal Rule[00:09:14] Barriers to Retirement Transitions[00:21:50] Annual Goal-Setting Exercise[00:27:57] Pop Culture and Financial Literacy🔗 Resources & LinksConnect with Jesse Hurst:Website: impelwealth.comBook: Popenomics - https://amzn.to/3JijUWCSkyler's New Podcast:Check out Financial Planning for Young Adults - deep dives into financial planning topics specifically for the next generation!Support the showCheck out Financial Planning for Young Adults on SpotifySchedule a free Money Talk at https://moneytalk.show/chatGet your free Money Talk resources at https://moneytalk.show/resourcesFind 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

Subscribe to Financial Planning for Young Adults on:Spotify - https://open.spotify.com/show/5jrSVCFYRJeIlB3cllBGCRYouTube - https://www.youtube.com/@FPYApodSend me an email letting me know what you thought to fpyapod@gmail.comEnjoy a preview to my new show Financial Planning for Young Adults! Money Talk will be back on Thursday with your regularly scheduled weekly episodes!

Subscribe to Financial Planning for Young Adults on:Spotify - https://open.spotify.com/show/5jrSVCFYRJeIlB3cllBGCRYouTube - https://www.youtube.com/@FPYApodSend me an email letting me know what you thought to fpyapod@gmail.comEnjoy a preview to my new show Financial Planning for Young Adults! Money Talk will be back on Thursday with your regularly scheduled weekly episodes!

Subscribe to Financial Planning for Young Adults on:Spotify - https://open.spotify.com/show/5jrSVCFYRJeIlB3cllBGCRYouTube - https://www.youtube.com/@FPYApodSend me an email letting me know what you thought to fpyapod@gmail.comEnjoy a preview to my new show Financial Planning for Young Adults! Money Talk will be back on Thursday with your regularly scheduled weekly episodes!