Sage Financial Planning

Sage Financial Planning Shannon Fleener, CFP® is here to help you know, feel and do better with your money and reach financial freedom.

People ask me all the time what it means to be a “first-gen wealth builder.”It’s me and it’s most of us.It’s not one mom...
08/24/2026

People ask me all the time what it means to be a “first-gen wealth builder.”

It’s me and it’s most of us.

It’s not one moment but a collection of experiences and stories of grit putting in the work to change your financial family tree.

Swipe through for my story 👉

If you’re the first in your family building wealth from scratch — I see you. Drop a 🤍 if any of this hits home, or tell me the moment that started your journey.



Alt text: Shannon Fleener, CFP® as a college intern and first-gen wealth builder.

A UBC study followed 6,000+ working adults and found that people who spent money on time-saving services reported higher...
08/19/2026

A UBC study followed 6,000+ working adults and found that people who spent money on time-saving services reported higher life satisfaction than those who spent the same money on stuff - 𝕖𝕧𝕖𝕣𝕪 𝕤𝕚𝕟𝕘𝕝𝕖 𝕥𝕚𝕞𝕖.

Time affluence isn’t just for people with tons of discretionary money. It’s a strategy anyone can start using.

Here’s how to start buying yours back:

1️⃣ Delegate the tasks that drain you. For example: hire a cleaner, have your groceries delivered, or buy a meal kit subscription.

2️⃣ Take unpaid time off. This is *huge*. US workers average 11 vacation days a year. In Europe, 4 weeks is usually the minimum. Rest isn’t a reward, it’s a right, and with the right planning you can afford to take unpaid time off.

3️⃣ Automate your money. Every manual transfer and “did I pay that bill” is time, stress and potential decision fatigue that you don’t need in your life.

4️⃣ Batch the small stuff. Groceries, bills, gifts. There’s ways to create systems for all of these and immediately decrease your mental load.

5️⃣ Say no more often. A really easy way to buy back time your time? Not saying yes to things you never wanted on your calendar in the first place.

6️⃣ Reframe what money is for. Once your needs and goals are funded, every extra dollar is really a choice between things and hours back in your own hands.

💾 Save this for when you need the reminder.
🔁 Share it with someone who needs permission to buy their time back.

📖 Read more: sagefinancial.com/blog



•••

[IMAGE ALT TEXT] Graphic with a cream background and navy text. Headline reads “How to Buy Your Time Back.” Below it, six numbered tips are listed: delegate draining tasks, take unpaid time off, automate your money, batch small decisions, say no more often, and reframe what money is for. Includes is a link to the original blog article.

Juneteenth is almost here - the day we commemorate the final emancipation of slaves in 1865. In support of wealth redist...
06/18/2026

Juneteenth is almost here - the day we commemorate the final emancipation of slaves in 1865.

In support of wealth redistribution and economic prosperity for all, I’d like to highlight a few of my favorite Black-owned businesses in San Diego worth patronizing this Juneteenth (and every other day of the year).

What are your favorite Black-owned businesses? Drop a comment with their name and how we can find them👇

Can you relate? When you’ve wanted something (and worked for it!) for so long, you want to shout it from the rooftops wh...
05/14/2026

Can you relate?

When you’ve wanted something (and worked for it!) for so long, you want to shout it from the rooftops when it finally happens.

Please enjoy my screaming face after Barça won La Liga as an example of the joy of achieving a goal- both life and actual soccer goals in this case! 😆😂🤣



Image description: first, a sign saying “how it actually feels to achieve a life goal” and, second, a completely charming and flattering video (sound on) of this account owner screaming in excitement.

How to audit your financial health in 3 simple steps:1️⃣ Create your balance sheet2️⃣ Track your cash flow3️⃣ Review you...
03/05/2026

How to audit your financial health in 3 simple steps:

1️⃣ Create your balance sheet
2️⃣ Track your cash flow
3️⃣ Review your savings contributions

These exercises should be done regularly to gauge your financial health and inform your next steps.

Save this post and share with a friend who will hold you accountable to do them. Financial audit coffee date anyone? 📝☕️

If you need help interpreting the results and planning your next steps, I’m here for you. Book a planning meeting at www.sagefinancialsd.com.

You’ve got this! 💫

01/29/2026

Political resistance doesn’t only happen in the streets or at the ballot box.

It happen quietly through your money every day.

Where you bank. Your bank actively uses your money to support their business activities. It’s worth taking a moment to consider whether those activities align with your values (especially if you bank with a big bank). A list of ethical banks can be found on my website at sagefinancialsd.com/blog

How you spend. Find ethical swaps for your biggest spending items, and allow yourself the grace to spend a little more of it means being able to switch to a small business or values-aligned company.

When you give. To support organizations you care about for the long-term, set up a monthly donation, even if it’s just $5 or $10. You don’t have to have beaucoup bucks to make a difference, but increasing their ongoing revenue and donors list helps small orgs get farther.

What you invest in. Socially responsible investing is more accessible than ever. Understand your options and update your retirement and personal investments accounts to reflect your values.

Your money is always in motion and shaping the systems around you. Financial activism isn’t about perfection or having unlimited resources. It’s about becoming more intentional with what you already have.

You don’t have to do everything.
But you CAN do something.

And over time, that’s how we create a system that works for all of us.

January has a way of arriving with a lot of expectations. New budgets. New resolutions. New goals. A slew of new systems...
01/09/2026

January has a way of arriving with a lot of expectations. New budgets. New resolutions. New goals. A slew of new systems that promise that this is the year you’ll finally get everything “right.”

It can feel like a gnawing pressure- after the holidays provided a pause or a moment of rest, suddenly it’s time to go full steam ahead. Efficient. Motivated. Perfect. As if there’s a correct way to begin the year, and you’re already behind if you haven’t found that level of
momentum.

But what if this season doesn’t need perfection at all? In my work as a financial planner, I rarely see lasting change come from rigid rules or dramatic overhauls. What I do see, over and over again, is progress that grows from something much gentler: clarity, compassion with oneself, and a sense of steadiness. What
many people are really seeking isn’t financial perfection- it’s financial peace.

Perfection tends to be loud and demanding- and it can leave you feeling like you’ve failed if you aren’t checking all the boxes.

Peace doesn’t ask that of you. Peace allows for curiosity instead of judgment. Peace allows you to calmly attend to the garden that is your financial life, pruning just one w**d at a time.

So as this year begins, release yourself from the pressure to optimize everything at once. You don’t need a perfect plan to move forward and make meaningful progress.

And if your main financial goal this year
is less stress, more clarity, and a steadier relationship with money, that is more than enough.

Here’s to a softer start- and to choosing financial peace over perfection.

financialplanning enough dreamlife moneytips millennialmoney

Let’s take a moment to talk about financial gratitude 🙏 Today, I encourage you to remind yourself that you have everythi...
12/02/2025

Let’s take a moment to talk about financial gratitude 🙏

Today, I encourage you to remind yourself that you have everything you need, and it’s only up from here.

So savor the goals you’ve achieved (or have been working hard towards!), the milestones you’ve reached, and how far you’ve come. Your younger self would be so proud.

To enjoying many little moments of gratitude 💫

How much money is enough? 💰More money isn’t always better, and isn’t worth sacrificing other aspects of your life.Only y...
11/13/2025

How much money is enough? 💰

More money isn’t always better, and isn’t worth sacrificing other aspects of your life.

Only you can determine how much is “enough” as you build and enjoy the life you want and deserve.

If you need help figuring out or working towards this number, I’m here to help 🌟

Being the first in your family to build wealth brings both possibility and pressure. You’re learning, unlearning, and le...
10/24/2025

Being the first in your family to build wealth brings both possibility and pressure.

You’re learning, unlearning, and leading by example all at the same time.

If you’re changing your financial family tree, here’s a reminder that you’re not alone. I hold space for you in the hard times, and cheer you on as you grow and pursue this powerful personal finance journey.

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