Financial planning isn't just for the wealthy. It's for you wherever you are in your money journey. Whether you're making real money for the first time, juggling student loans, and drowning in conflicting advice. You want your financial life handled without the constant stress. I'm Skyler Fleming, host of Financial Planning for Young Adults, and here's what I believe: money is a tool to build the life you actually want. With my CFP education, I break down financial planning into practical steps: taxes, investing, debt, retirement, and more. Think of me as your money buddy. Subscribe now!
Action Item: Send me one financial planning question you still want answered at the email in the show notes, or connect with me on LinkedIn so we can stay in touch as your career grows.
Summary
This episode is a little different because there is no research, no case study, and no action item to write down. I am sharing some big personal news: I just started a new position as a full-time financial planner at Abundo Wealth, and with my wife also starting a new job in August, us moving to a new state, and a packed summer of travel ahead, I have made the intentional decision to put the podcast on hiatus. I talk about why stepping back from something you love for a season is not failure, it is just good bandwidth management, and I want to encourage anyone listening to make those same kinds of intentional adjustments in their own life when the time calls for it. The podcast is not disappearing, and I genuinely look forward to considering a return once life settles into its new rhythm.
Resources & Links Mentioned
Free financial planning guide: https://fp4ya.com/guide/ (https://fp4ya.com/guide/)
Connect with Skyler on LinkedIn: https://www.linkedin.com/in/sjayf/ (https://www.linkedin.com/in/sjayf/)
Timestamps
[00:00] Why today's episode is different
[01:00] The big news: starting a new role as a full-time financial planner
[01:43] Why the podcast is going on hiatus this summer
[02:19] It is okay to step back intentionally when life gets full
[03:24] Thank you to everyone who has listened and helped this show grow
[03:46] How to stay connected while the show is on hiatus
Email me at fpyapod@gmail.com (mailto:fpyapod@gmail.com)
9 Jun 2026
Automate Your Finances and Build Wealth Without Thinking About It - 37
Action Item: Find one thing you do manually with your money every single month and automate it so you never have to do it again.
Summary
In this episode, I break down how to build a financial system that runs in the background so you can stop stressing about money every month. I walk through the core framework from one of my all-time favorite books, The Automatic Millionaire, and explain why automation works better than willpower or discipline ever could. I also introduce you to Brooke, a 26-year-old care coordinator who went from feeling like her money was just disappearing every month to building a real system with an emergency fund, sinking funds, and automated payments across the board. The key takeaway from today is simple: you probably already have the money. You just need the system.
Resources & Links Mentioned
The Automatic Millionaire by David Bach (grab it at your local library): https://www.amazon.com/Automatic-Millionaire-Expanded-Updated-Powerful/dp/0451499085 (https://www.amazon.com/Automatic-Millionaire-Expanded-Updated-Powerful/dp/0451499085)
Why Automating Your Finances May Be Your Secret Weapon: https://www.huntington.com/learn/saving/automate-savings-and-paying-bills (https://www.huntington.com/learn/saving/automate-savings-and-paying-bills)
What Is a Sinking Fund and How Do You Create One? (Ramsey Solutions): https://www.ramseysolutions.com/saving/stop-the-panic-sinking-fund (https://www.ramseysolutions.com/saving/stop-the-panic-sinking-fund)
Automatic Payments: Pros, Cons, and Other Considerations (PNC): https://www.pnc.com/insights/personal-finance/spend/automatic-payments-what-to-know.html (https://www.pnc.com/insights/personal-finance/spend/automatic-payments-what-to-know.html)
Put Your Personal Finances on Autopilot (PlanCorp): https://www.plancorp.com/blog/automate-finances (https://www.plancorp.com/blog/automate-finances)
Timestamps
[00:01:16] Why The Automatic Millionaire is one of the best personal finance books out there
[00:03:05] Why spending is so easy and how to use that same trick to save
[00:06:28] What a sinking fund is and how to create one in minutes
[00:08:08] What to do if you feel like you don't have enough money to start automating
[00:14:09] Brooke's story: going from money anxiety to a system that runs itself
[00:21:41] Your one action item and how to book a free automation audit with me
Email me at fpyapod@gmail.com (mailto:fpyapod@gmail.com)
2 Jun 2026
How to Keep Your Financial Plan on Track This Summer - 36
Action Item: Run some math and build a budget around your entertainment, travel, and experience spending this summer so you can actually stick to a plan.
Summary:
In this episode, I break down how to keep your financial plan on track when summer is pulling you in every direction. I share some data about how our generation is approaching summer spending this year and why I think it should be a wake-up call, not an excuse. I walk through practical strategies for controlling your spending, building sinking funds for trips and experiences, and using automation so your retirement and savings goals never skip a beat. Then I walk through Cole's case study, a 26-year-old who figured out how to say yes to three trips with his friends this summer without derailing his bucket list trip to Utah's national parks next year.
Resources and Links Mentioned:
Chain Store Age survey on summer spending priorities among millennials and Gen Z: https://chainstoreage.com/survey-most-us-consumers-curb-summer-spending-except-group (https://chainstoreage.com/survey-most-us-consumers-curb-summer-spending-except-group)
NerdWallet: 7 Ways to Keep the Summer Spending Craze Under Control: https://www.nerdwallet.com/finance/learn/keep-summer-spending-under-control (https://www.nerdwallet.com/finance/learn/keep-summer-spending-under-control)
NerdWallet: Sinking Funds and Major Expenses: https://www.nerdwallet.com/finance/studies/sinking-funds-major-expenses (https://www.nerdwallet.com/finance/studies/sinking-funds-major-expenses)
CNBC: Give Yourself a Fresh Start for Your Savings: https://www.cnbc.com/2025/09/29/the-2-step-plan-that-can-be-incredibly-helpful-for-your-savings.html (https://www.cnbc.com/2025/09/29/the-2-step-plan-that-can-be-incredibly-helpful-for-your-savings.html)
Truist: 5 Good Financial Habits to Make Automatic: https://www.truist.com/money-mindset/principles/budgeting-by-values/financial-habits-to-make-automatic (https://www.truist.com/money-mindset/principles/budgeting-by-values/financial-habits-to-make-automatic)
CalendarBudget: The Psychology of Saving and Understanding Your Money Habits: https://calendarbudget.com/the-psychology-of-saving-understand-your-money-habits/ (https://calendarbudget.com/the-psychology-of-saving-understand-your-money-habits/)
Timestamps:
[02:00] The data on how our generation is approaching summer spending this year
[04:38] Seven ways to keep your summer spending under control
[06:07] How sinking funds make it easier to say yes to the right things
[08:24] Why giving yourself a fresh start beats feeling behind
[13:34] Cole's case study: saying yes to summer without wrecking your goals
[21:17] Your one action item and how to share this episode with a friend
Email me at fpyapod@gmail.com (mailto:fpyapod@gmail.com)
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