Lift your bottom lip to touch the very bottom of your top front teeth. Blow air through this contact point without voicing.

Americans pronounce fluctuations as fluhk-choo-AY-shuhnz (/ˌflʌktʃuˈeɪʃənz/). Stress falls on the third syllable — keep everything else short and quick. You'll hear it in sentences like "Cryptocurrency markets experienced significant fluctuations recently".
Record yourself saying "fluctuations" and play it back. The mic stays on your device — nothing's uploaded.
4 syllables, 11 sounds. Tap a syllable to jump to its row, then explore each sound's mouth shape and how it's made.
Lift your bottom lip to touch the very bottom of your top front teeth. Blow air through this contact point without voicing.

Place the tip of your tongue against the alveolar ridge just behind your top front teeth, the same contact point as /t/, /d/, and /n/. The difference is what happens to the air: for /l/, you let it flow continuously around the <em>sides</em> of the tongue (that's why /l/ is called a lateral). Turn your voice on the whole time. Lips stay relaxed, no rounding or flaring. For the Dark L variant at the end of a syllable, also pull the back of the tongue up and back toward the soft palate.

Relax your lips, jaw, and tongue completely. Drop your jaw slightly and keep the tongue neutral.
Raise the back of your tongue to touch the soft palate (velum). Stop the air, then release.

Flare your lips and lift the mid-front tongue close to the roof of your mouth. Blow air through without voicing.

Relax your lips, jaw, and tongue completely. Drop your jaw slightly and keep the tongue neutral.
The schwa before N disappears — N becomes the vowel of the syllable. Go straight from the previous consonant to N.

Same position as S, but add vocal cord vibration. Feel the buzz.

Click any sentence to see the full breakdown — every link, every reduction, every flap-T.
The textbook way isn't wrong — it's just not how anyone actually says it.
In "fluctuations", the "k" is not released — the articulators get into position but hold without the burst of air. Air stops but there's no release burst — the articulators hold position.
In "fluctuations", the short unstressed vowel before "n" disappears — the schwa is absorbed and the "n" becomes the syllable nucleus on its own. Schwa is absorbed — consonant becomes the syllable nucleus.
Stress falls on the third syllable, not the others. Stretch AY — keep everything else short and quick.
Don't pronounce the first syllable too fully. The unstressed syllable reduces to a schwa — the lazy "uh" sound — in casual speech.