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 Points

1. What is your favorite budgeting app?
2. What’s the biggest struggle you have with FinTech?
3. Do you prefer pen and paper or a digital app?

🔗 Resources & Mentions:

• Connect with Brittany Flammer: brittanyflammer.com
• Budgeting Tools Mentioned: Google Sheets, EveryDollar, Monarch Money
• Banking & Savings Tools: Ally Bank (Buckets), SoFi (Vaults & Relay), Wealthfront (Categories)
• Financial Planning & Tracking: Empower (formerly Personal Capital), Projection Lab
• Estate Planning: Trust & Will
• Credit Building & Monitoring: Chime Secured Card, WalletHub, AnnualCreditReport.com
• Flat-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 tools

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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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