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This week’s episode is packed with practical investing wisdom and a whole lot of tax-saving strategies. I sat down with Patrick Huey, CFP®, author, small business owner, and host of History Lessons for the Modern Investor, to break down the often-confusing world of tax-efficient investing. We tackled everything from Roth vs. traditional accounts to how to actually use a taxable investing account — and even touched on one of the most underrated tools out there: the HSA. Whether you’re just getting started or you’ve been investing for years, this episode is all about helping you keep more of what you earn.

💰 This Week’s Money Talking Points:

1. How can you use a taxable investing account?
2. How do you open an IRA?
3. What should you invest in within your 401k?

⏱️ Episode Breakdown – Key Topics & Timestamps:

[04:30] Why taxes matter when investing – “It’s not what you make, it’s what you keep”

[05:30] Traditional 401ks and IRAs: benefits, downsides, and the hidden “partner” (the government)

[07:45] Who traditional accounts might still make sense for

[09:30] Why Roth IRAs are considered the “holy grail” of investing

[11:00] Building good investing habits early (yes, even $200/month matters!)

[13:30] Capital gains 101 – what they are and how they’re taxed

[15:00] What is a taxable investing account really, and why should you consider one

[17:45] Use ETFs instead for a more tax-efficient approach

[18:30] Capital gains harvesting – how to take advantage of the 0% tax bracket

[20:30] Using taxable accounts for medium-term goals like buying a home

[21:45] Asset location vs. asset allocation – understanding the difference

[23:00] All about HSAs – the triple-tax-advantaged powerhouse

[27:00] Why tax planning beats tax filing, and how to think ahead with your strategy

🔗 Resources & Mentions:

Patrick Huey’s Website: Victory Independent Planning

Patrick’s Podcast: History Lessons for the Modern Investor

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

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In this week's episode, I sat down with the Dr. Travis Parry to talk about one of the most game-changing aspects of your financial life—getting on the same page. Whether you’re married, engaged, or single and want to better understand your own money mindset, this episode is packed with tools and insights that will help you level up. We talk about understanding your money history, why shared goals matter more than shared bank accounts, and how regular communication can build deep financial intimacy.

Dr. Parry—author of Achieving Balance and Marry and Grow Rich, founder of the Make Time Institute, and father of eight—shares powerful stories and practical tools to help couples and individuals alike break through financial misalignment. If you’ve ever felt like you're speaking a different financial language than your spouse or just want to better align with your future goals, this one’s for you!

💰 Money Talking Points

1. What page are you trying to get to?
2. How would it feel to be in sync with your goals or your spouse?
3. What challenges need to be overcome to get on the same page?

🕒 Time Stamps & Key Conversations

[03:00] – What is a money history? How family origin influences your financial habits.

[05:00] – Scarcity vs. abundance mindset—how your beliefs about money shape your behavior.

[08:00] – Skyler shares a personal breakthrough in financial communication with his wife.

[09:00] – How communication (or lack of it) can make or break your financial life.

[13:00] – Financial infidelity and why trust is so crucial in money management.

[15:00] – Joint accounts vs. joint goals—what matters more for true alignment?

[18:00] – Setting up a system: Money Monday meetings, spending plans, and routines.

[23:00] – 3 big steps to get on the same page:

[30:00] – Final advice: Be a good steward of what you have now to prepare for more.

🔗 Links & Resources

📚 Travis’s Book – Marry and Grow Rich: marryandgrowrichbook.com

🌐 Make Time Institute (Travis’s site): maketimeinstitute.com

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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

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

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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

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

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