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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

1. What system can help take the pain out of savings for you?
2. How can a vision board help you?
3. 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

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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:

1. What health insurance plan is right for you?
2. How can you use an HSA to minimize taxes?
3. 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

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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:

1. How can tracking your expenses help you get started?
2. What’s something you wish you had been taught in school?
3. 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

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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

1. How do we benefit from talking about money?
2. What do we lose out on if we don’t talk about personal finances?
3. 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!

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I'm so excited you're tuning in to Money Talk! In this quick trailer episode, I’m giving you the inside scoop on how Money Talk was born, starting all the way back when I worked in a credit union call center. After seeing firsthand how a simple money conversation could change someone's financial future, I knew I wanted to keep the conversation going.

Since launching this podcast in September 2021, I've had the chance to chat with hundreds of guests, share countless money tips, and build an incredible community of young adults learning to manage their finances with more confidence.

Here at Money Talk, we believe talking about money shouldn’t be taboo — it should be a part of everyday life! Whether it's investing when you're young, managing debt after college, or just feeling less stressed about your money overall, you’ll find support, real advice, and accountability from your fellow Money Buddies right here.

💬 If you're ready to start having better conversations about money — and get better at managing it — you're in the right place. Let’s get talking!

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Sign up for my newsletter: https://money-talk.kit.com/64cbd24b05

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

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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:

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

Episode Highlights & Timestamps:

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

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

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

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

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

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

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

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

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

Resources & Mentions:

💼 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

Support the show

Sign up for my newsletter: https://money-talk.kit.com/64cbd24b05

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:

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

Key Time Stamps:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Links & Resources:

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

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Schedule a free Money Talk at

Support the show

Sign up for my newsletter: https://money-talk.kit.com/64cbd24b05

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

The Money Talking Points

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

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

Links & Resources MentionedCody 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

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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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