Money Talk with Skyler Fleming Skyler Fleming

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

The Money Talking points for today’s episode are:


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

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

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



Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

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

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

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



The Money Talking points for today’s episode are:



1. How could tiny homes benefit you?

2. How does housing debt impact you?

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



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

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

Her podcast is called Less House More Moola



Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

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

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

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



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



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



The Money Talking points for today’s episode are:

1. Should everyone buy a home?

2. Should homeownership be considered an investment?

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



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






Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

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

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

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



The Money Talking points for today’s episode are:

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

2. What areas can I implement simplicity?

3. How can I avoid disorganization in my finances?



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


Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

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

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

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

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



The Money Talking points for today’s episode are:

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

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

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



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



Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

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

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

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

Key Topics Discussed:


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

Money Talking Points:


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



Handy Hint of the Episode:


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



Resources:


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



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



Check out the website at moneytalkwithskylerfleming.com

Check out our free resources at moneytalkwithskylerfleming.com/resources

Email me at skyler@moneytalkwithskylerfleming.com

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

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