Place your tongue tip near the roof of your mouth behind your top teeth. Push air through the narrow gap. No voicing.

Americans pronounce setbacks as SEHT-baks (/ˈsɛtˌbæks/). Stress falls on the first syllable — keep everything else short and quick. You'll hear it in sentences like "He showed remarkable resilience despite facing numerous setbacks" or "We should celebrate our collective achievements and learn from setbacks" — more examples below.
Record yourself saying "setbacks" and play it back. The mic stays on your device — nothing's uploaded.
2 syllables, 7 sounds. Tap a syllable to jump to its row, then explore each sound's mouth shape and how it's made.
Place your tongue tip near the roof of your mouth behind your top teeth. Push air through the narrow gap. No voicing.

Drop your jaw moderately. Touch the tongue tip behind the bottom front teeth and lift the mid-front part slightly toward the roof.

Touch the tip or front edge of your tongue to the roof of your mouth just behind your teeth. Keep your jaw relaxed. Stop the air, then release with a puff.

Press your lips together, add vocal cord vibration, then release.

Drop the jaw noticeably. Keep the body of the tongue low and forward, and don't let the back of the tongue raise toward the soft palate. Pull the lip corners back slightly, almost a starting smile.

Raise the back of your tongue to touch the soft palate (velum). Stop the air, then release.

Place your tongue tip near the roof of your mouth behind your top teeth. Push air through the narrow gap. No voicing.

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 "setbacks", 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.
Stress falls on the first syllable, not the others. Stretch SEHT — keep everything else short and quick.