Simplify Your Family Budget: The 5-Account System That Changes Everything with Brittany Flammer (Ep 260)
About the episode
In this episode, Deanna discusses how to make budgeting feel less overwhelming with the help of financial coach and mom of five, Brittany Flammer. Together, they break down a simple, stress-free system using five essential bank accounts to create clarity and control over family finances. You'll walk away with practical steps to organize your money, reduce financial tension, and make confident spending decisions.
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Connect with Brittany Flammer
In this episode of the Wannabe Clutter Free podcast, the host, Deanna Yates, interviews Brittany Flammer, a financial coach and mom of five who has mastered the art of budgeting without the stress. Brittany shares her family’s journey of raising five children on an average income of $40,000 per year while building a net worth of over $800,000. Through real-life examples and heartfelt insights, she breaks down her step-by-step system for managing money with intention, clarity, and calm—even when finances feel tight.
Brittany introduces a powerful strategy using five key bank accounts to simplify money management, minimize financial tension, and make everyday spending decisions easier. From emergency savings to individual fun accounts, she outlines how automating and separating funds can transform financial overwhelm into empowerment. Whether you're new to budgeting or ready to refine your system, this episode offers practical tools and a fresh mindset to help your family thrive financially.
Key Takeaways:
1. How Brittany and her husband built wealth on a modest income
2. The five essential bank accounts every family should have
3. The power of automation and visual separation in budgeting
4. Tips for setting up accounts for kids and teaching them money habits
5. Ways to reduce financial tension and feel more confident about your money decisions
About Brittany Flammer:
Brittany Flammer is a financial coach, mom of 5, and an avid budgeter.
When first married Brittany and her husband had dreams of traveling the world. Unfortunately, they were still in school and had no money - but they didn't let that stop them. Even though they were living on a tiny income, paying for school themselves, and having kids, she still wanted to travel. She was naturally frugal, but doubled down on budgeting trying to find the 'best' method.
She tested out lots of different budgeting techniques. Through trial and error she figured out how to budget successfully and stay motivated for the long haul. 18 years later, she's become a certified financial coach, held hundreds of coaching sessions, and tested out more than 40 budgeting apps.
She loves helping others figure out their finances. She does this by sharing her experiences on YouTube, helping people learn to budget with Financial Fitne$$, and staying accountable with Fit Finance Club.
Time Stamps:
00:00 Welcome and Introduction
00:20 Meet Brittany Flammer: Financial Coach and Mom of Five
01:41 The Power of Multiple Bank Accounts
05:44 Essential Bank Accounts for Every Family
12:52 Bonus Accounts and Additional Tips
24:13 Managing Finances: Moving Money Between Accounts
25:12 Structuring Finances for a $60,000 Income
28:34 Choosing the Right Bank Features
31:41 Setting Up Accounts for Kids
35:44 Reducing Financial Tension in Relationships
38:56 Actionable Steps for Financial Clarity
44:01 Conclusion and Final Thoughts
Music: Fresh Lift by Shane Ivers - https://www.silvermansound.com
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About Deanna Yates
Based in San Diego, CA, Deanna helps high-achieving moms clear the clutter from their homes and lives.
Through coaching, courses, summits, and her top-ranked Wannabe Clutter Free podcast, she supports modern women in building organized, peaceful homes where they can thrive.
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