Podcast appearances and mentions of joe saul sehy

What can you learn about leadership from someone who's served four U.S. Presidents, navigated some of the most intense moments in American politics, and still believes the future depends on building more leaders, not fewer? In this Greatest Hits Week replay, Joe Saul-Sehy, OG, and Neighbor Doug welcome David Gergen—former White House advisor, Harvard professor, and author—to the basement for a masterclass on leadership that applies as much to your career and investments as it does to running a country. Gergen pulls back the curtain on life inside the White House, from the early lessons he learned in the Navy to the behind-the-scenes moments that revealed the human side of Presidents. Along the way, he shares what separates great leaders from the rest, how to evaluate leadership in others (and yourself), and why service and responsibility are the cornerstones of lasting influence. Whether you're leading a team at work, managing your family's financial future, or just trying to be the kind of person others trust, you'll find plenty here to sharpen your approach. And because no visit to the basement is complete without some SB-style surprises, you'll also hear stories of presidential humor gone sideways, a White House prank or two, and reflections on how good leadership isn't about perfection—it's about purpose. Plus, the guys tackle a listener question on investing without specific goals, and Doug tests the panel's trivia chops with a leadership twist. What You'll Learn in This Episode: How David Gergen defines real leadership (and how it's changed over time) The telltale signs you're working with—or for—a great leader Lessons from the Navy, the West Wing, and history's most memorable leaders Why building leaders is just as important as being one Practical ways to evaluate leadership in politics, business, and investing How a clear sense of service can make you a better investor and decision-maker Questions for you while you listen (share with our Facebook group!): Who's the best leader you've ever worked for, and what made them stand out? How do you evaluate whether someone is worth following—whether in politics, business, or life? What's one leadership skill you wish more people would develop? Learn more about your ad choices. Visit podcastchoices.com/adchoices

#641: Cristina has a $1.2 million portfolio and hopes to make work optional within the next decade. Is she invested in the right way? Or should she change up her asset allocation? Anonymous and her husband plan to retire in 5 years. They have 10 rental properties and a $2.75 million portfolio. They dream of slow travel, generosity, and family time. How should they structure their assets to support the lifestyle they want? Paula (the caller) and her husband are planning for three kids, private school, and possibly college down the road.  Should they front-load a 529 plan with a large lump sum, or take a different approach? Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it here. Resources mentioned in the show: Interview with Frank Vasquez Risk Parity Cheat Sheet Caller Christina's original call on https://affordanything.com/episode463 Afford Anything Episode 618 https://affordanything.com/episode618 Risk Parity Portfolio Blueprint https://affordanything.com/riskparity Joe's episode SB 1698 https://www.stackingbenjamins.com/create-your-retirement-spending-plan-1698/ Run The Line half marathon with Joe: https://runsignup.com/Race/TX/Texarkana/RuntheLineHalfMarathonTXAR SavingForCollege.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Not all financial advisors are created equal—and some will steer you straight into the rocks while smiling the whole way. In this episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Neighbor Doug share the top five warning signs your advisor may not have your best interests at heart. From shady investment recommendations to fee structures that deserve a magnifying glass, we unpack the behaviors and practices that can quietly drain your portfolio. This isn't just about avoiding bad actors—it's about knowing what great advice looks like so you can spot the difference. You'll hear why “fun money” accounts can be a trap, how to sniff out overly speculative pitches, and why transparency isn't optional when it comes to your financial future. Along the way, we sprinkle in a few stories, historical nuggets, and plenty of those classic “Doug moments” that make a trip to the basement worth your time. If you've ever wondered whether your financial guide is truly on your side—or if you just want to sharpen your radar—this episode will give you the practical tools to tell the difference between a trusted partner and a wolf in a well-tailored suit. What You'll Learn in This Episode The five biggest advisor red flags that should send you running How to evaluate an advisor's investment recommendations for risk and suitability Why fee transparency can make or break a relationship The subtle clues in an advisor's office environment and interactions The difference between fun money accounts and dangerous speculation How to ensure your advisor's plan matches your long-term goals Questions to Think About: When's the last time you reviewed exactly how your advisor gets paid? Are you clear on the why behind each investment they've recommended? Would you feel confident explaining your advisor's strategy to a friend—or does it sound like a foreign language? This episode originally aired on August 2, 2023. Please disregard any mention of current events. You can find the original show notes here. FULL SHOW NOTES: https://stackingbenjamins.com/how-to-spot-a-subpar-advisor-greatest-hits-week-1732 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ever celebrate paying off a credit card…only to watch your credit score drop? Or ditch your budget for “simplicity” and find yourself ordering takeout three nights in a row? On this week's episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Neighbor Doug welcome Paula Pant (Afford Anything) and Jesse Cramer (Personal Finance for Long-Term Investors) to explore why even the “right” financial moves can sometimes lead you straight into a banana peel. From the hidden traps of credit scores and debt freedom to the way a shiny new credit card reward program can cost you more than you bargained for, this roundtable digs into the ripple effects that don't make the brochure. We'll tackle when “optimizing” your plan goes too far, how well-meaning programs can backfire, and why the metric you're tracking might not be the one that actually matters. Expect sharp insights, lively debate, and tips you can put into action—without getting tangled in the very strategies meant to help you. Because money confidence isn't just about making the right moves…it's about knowing what those moves might do next. We'll Cover: Why your credit score might drop after paying off debt—and why that's not always bad news How “budget hacks” can turn into budget headaches The sneaky ways credit card rewards and government programs can backfire Why tracking the wrong measure can lead to the wrong results Practical steps to sidestep the unintended fallout from good decisions Questions to Ponder During the Episode What's the most surprising “side effect” you've experienced after making a smart money move? Have you ever optimized your budget or investment plan…only to regret it? Which metric do you track most closely in your financial life—and is it actually the right one? FULL SHOW NOTES: https://stackingbenjamins.com/unintended-credit-score-consequences-1732 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

What happens when you hand the mic to Stackers? You get a mailbag episode loaded with real-life money challenges, surprising lessons, and a few “wait, what?” moments. Joe Saul-Sehy, OG, special guest Anna Allem (a CFP® with her own winding journey into the profession), and Neighbor Doug dig into your most pressing financial questions—no fluff, no jargon, and definitely no shortage of basement-style tangents. This week's listener lineup serves up a buffet of topics: how to turn an HSA into a stealth retirement account, whether a Roth conversion is the right move (and when), the tricky little details that make or break a trust, and what's happening in the ever-shifting world of auto insurance. Along the way, we get into the mental game of money—why positive thinking might be more than motivational fluff—and how planning isn't just about the plan on paper. From Anna's seasoned perspective to OG's no-nonsense approach and Joe's knack for cutting through the noise, you'll walk away with strategies you can actually use. Plus, we can't resist a detour into AI at the Wendy's drive-thru (yes, it's a thing), proving once again that money talk is always better when you leave room for curiosity. What You'll Learn This Episode: How to decide if a Roth conversion makes sense for your tax picture Ways to supercharge an HSA for long-term wealth (and not just medical expenses) Trust basics you might be overlooking—and why that could cost you. The latest trends in auto insurance and how they might affect your rates Why mindset matters just as much as math in building financial confidence Questions to Ponder (or Argue Over in the Basement) If you were starting an HSA today, how would you use it—medical safety net or stealth retirement account? Have you considered a Roth conversion? What's the one factor holding you back? When it comes to trusts, do you prefer to keep heirs in the loop or keep plans private until needed? How do you decide when to update your insurance coverage versus just shopping for a better rate? FULL SHOW NOTES: https://stackingbenjamins.com/questions-from-the-stacker-community-1730 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#639: Aisha is excited to share how some life-changing advice has played out for her career. She wonders now: what limiting beliefs has Paula and Joe had to overcome in their businesses? Lesley is attracted to community bonds as a way to build collective wealth for the underserved. But do the same risks exist as they do in the traditional bond market? An anonymous caller is intrigued by the promise of Employee Stock Ownership Plans. Is this the answer to a smooth exit from her business that also leaves a legacy for her employees? Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it here. Resources mentioned in the show: Aisha's original call in Episode 473 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Labor Day might be about rest, but in the basement, we're getting to work on busting some of the most persistent myths in personal finance. Joe Saul-Sehy and OG welcome insurance pro Tony Steuer to unpack the shiny marketing around infinite banking and velocity banking. Spoiler: sometimes “be your own bank” really means “make your insurer rich.” From permanent life insurance pitfalls to the real math behind these strategies, Tony helps separate clever sales pitches from solid financial planning. Then we shift gears to a conversation every parent, grandparent, and future gift-giver will love. Renowned financial journalist Chuck Jaffe joins the crew, fresh from becoming a grandfather, to share how he's setting his new grandchild up for a strong financial future. Think stock portfolios for toddlers, early Roth IRA strategies, and simple systems that keep family generosity from getting lost in the shuffle. His practical, battle-tested tips will have you thinking differently about the best ways to give kids a head start. Whether you're looking to avoid costly detours or create generational wealth, this episode is equal parts cautionary tale and inspiration. You'll walk away ready to dodge financial traps, build smarter for the next generation, and maybe even rethink your own long-term giving plans. Why infinite and velocity banking aren't the slam-dunk solutions they're often sold as How to spot the red flags in permanent life insurance pitches Smart, tax-efficient ways to save for children and grandchildren Creative strategies for gifting assets that grow with the child The importance of balancing generosity with your own long-term goals Ideas to Ponder During Today's Episode Have you ever been pitched an “innovative” financial strategy that didn't feel quite right? What tipped you off? What's the most meaningful financial gift you've ever given—or received—as a child? If you could give one piece of financial wisdom to the next generation, what would it be? FULL SHOW NOTES: https://stackingbenjamins.com/permament-life-insurance-and-growing-your-money-1729 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Why wait until your knees creak louder than your rocking chair to start enjoying life? In this episode, Joe Saul-Sehy, OG, Paula Pant (AffordAnything) and Neighbor Doug welcome Jillian Johnsrud—author of Retire Often—to share why sprinkling your life with mini-retirements might be the smartest, healthiest, and most joyful move you make before your “official” retirement date. Think of it as giving your future self a head start… without the Medicare paperwork. From negotiating time off without burning bridges, to building a financial plan that lets you step away without panic, Jillian offers a roadmap to hit pause on your career without pressing stop. We explore the balance between health, capability, and the freedom to explore, and how to sell the idea of a mini-retirement to your boss so they don't see it as a resignation letter in disguise. And because it's the basement, we also mix in some Labor Day trivia, a few personal experiments with unconventional choices, and just enough playful banter to keep you leaning in. If you've ever felt the grind wearing you down but can't picture walking away forever, this episode will help you reimagine your work-life timeline. Mini-retirements aren't just for the wealthy or the whimsical—they're for anyone ready to start living a retirement-worthy life now. How to pitch a mini-retirement to your boss without triggering an awkward HR meeting The financial prep work that makes time off less stressful and more satisfying Ways to test-drive retirement before the “official” date How to handle the skeptics (at work and at home) who think you're making a mistake Why health and capability should be part of your retirement timing equation Questions to Ponder While You Listen If you could take 3–6 months off tomorrow, how would you spend it? Would a series of shorter retirements feel more fulfilling than one long one at the end? What's the biggest barrier—financial or otherwise—keeping you from taking a break? Learn more about your ad choices. Visit podcastchoices.com/adchoices

If you've been running on fumes, juggling work deadlines, family obligations, and maybe even a neglected 401(k) or two, this episode is your permission slip to stop, breathe, and recalibrate. Joe Saul-Sehy, OG, and Neighbor Doug welcome Dr. Danielle McGeough—professor, transformational strategist, and champion of intentional living—into the basement for a conversation that's part burnout intervention, part life strategy workshop. Dr. McGeough shares how to spot the early signs of burnout before you hit the wall, and how to rebuild your days with personal rituals, playfulness, and values-driven planning. You'll hear real-world strategies for setting boundaries, aligning work with what truly matters to you, and bringing joy back into your calendar. And because we're in the basement, we also manage to sneak in some Labor Day trivia, a Broadway tangent, and a solid helping of SB-style banter. And for the Stackers worried about the financial side of burnout, we pivot in the second half to a practical discussion on managing multiple 401(k) plans—because a cluttered retirement portfolio can be just as stressful as a cluttered schedule. From account consolidation tips to understanding your investment options, this is a one-two punch of mental clarity and financial order. How to recognize the red flags of burnout (and stop it in its tracks) Why personal rituals and play can fuel productivity and joy How to align your schedule with your core values Strategies for balancing ambition with sustainability Practical steps for managing multiple 401(k) plans without losing track Why decluttering your finances can boost your mental clarity Thoughts to Ponder During the Episode What's one personal ritual you could add to your day that would give you energy instead of draining it? Have you ever consolidated old retirement accounts? What made you decide to do it (or not)? How do you know when you've hit your “enough” point with work and need to reset? What's one value you'd like to see reflected more clearly in your daily life? FULL SHOW NOTES: https://stackingbenjamins.com/how-to-reset-with-clarity-and-purpose-1727 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#637: Nick wants to set up an investment account for his nephew to contribute annually, creating a nest egg for college since the parents are already opening a 529. He's unsure whether a standard brokerage account, IRA or other options work best when you're not the parent. Diana asks whether she needs TIPS in her portfolio to protect against inflation. Or can she just rely on other investments that outpace inflation? She's also wondering about the tax implications of TIPS ETFs. This matters during her peak earning years. Prethive asks whether he should switch from Roth to Traditional 401(k) contributions. When he retires, he wants to move to a tax-free state. Or maybe move abroad. He wonders if moving to avoid state taxes in retirement would save more money long-term. Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it here. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ever think, “If I just followed the playbook of the ultra-wealthy, I'd be set for life”? Turns out, that's exactly the kind of thinking that can lead you straight into the arms of a scammer. In this episode, Joe Saul-Sehy and OG break down the traps hidden inside the “invest like the 1%” mantra (and other similar phrases), complete with real-life cautionary tales, including a small-town Ponzi scheme that could've been ripped from a Netflix docuseries, and the spectacular belly flop of some YieldStreet real estate bets. But it's not all doom and gloom in the basement. You'll also get the scoop on a controversial proposal to let private equity sneak into your 401(k), practical tips for spotting shady pitches before they drain your wallet, and the reminder that a boring-but-solid financial plan beats a flashy scam every time. Plus, the guys field a listener question on long-term care insurance and unpack the often-overlooked basics of HSAs. Between headlines, trivia detours, and a dash of movie talk, this episode arms you with the street smarts to dodge the next “too good to be true” investment opportunity. It's a masterclass in protecting your money—without having to hide it under your mattress. The psychological tricks scammers use to lure in even savvy investors Why “invest like the 1%” can backfire for everyday Stackers How to evaluate alternative investments (and when to walk away) The risks and realities of adding private equity to retirement accounts Key questions to ask before buying long-term care insurance Why a strong, clear financial plan is your best defense against cons Questions to Ponder During Today's Show: Have you ever been tempted by an investment pitch that felt “exclusive”? Would you want private equity options inside your 401(k)? Why or why not? How do you decide whether an alternative investment is worth the risk? What's your personal “red flag” that makes you walk away from a deal? FULL SHOW NOTES: https://stackingbenjamins.com/how-to-avoid-common-rip-offs-1726 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

If you've ever wondered whether you should pass on your money now or make your heirs wait for the “big reveal” (cue the dramatic reading of your will), this is your episode. Joe Saul-Sehy, OG, and Neighbor Doug welcome Paula Pant from Afford Anything and Jesse Cramer from Personal Finance for Long-Term Investors to play a high-stakes round of “In or Out” with estate planning and charitable giving. Is anonymous giving a waste of good publicity? Should you set up a donor-advised fund or keep it simple? Is sharing your estate plan with your heirs wise—or an invitation to awkward holiday dinners? This isn't your average dry legal seminar. Between football analogies, dinosaur jokes, and the occasional jab at Ford's electric truck sales, our crew digs into the real-life choices Stackers face when deciding how—and when—to pass along their wealth. You'll hear hot takes, smart strategies, and maybe even a nudge to start that conversation you've been putting off. From the practical (avoiding probate, maximizing giving impact) to the philosophical (why give at all, and how much?), this episode blends useful tactics with the irreverent basement energy you know and love. It's part money talk, part game show, and 100% designed to get you thinking about your financial legacy. The pros and cons of giving now versus after you're gone How donor-advised funds work and whether they're worth your time Why anonymous giving might be overrated—or a hidden superpower Ways to avoid family drama by (maybe) sharing your estate plan early How to think about charitable giving as part of your overall financial plan Questions to ponder during the show: Would you rather give now and see the impact, or give later and leave a surprise? How much transparency do you think heirs deserve about your estate plans? If you give anonymously, are you missing an opportunity—or dodging a headache? What would you want your charitable legacy to look like? FULL SHOW NOTES: https://stackingbenjamins.com/estate-planning-giving-week-in-or-out-1725 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

What if there were a way to make charitable giving easier, more strategic, and—dare we say—more satisfying? In this episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Len Penzo welcome Adam Nash, founder and CEO of Daffy, to demystify donor-advised funds. Whether you've never heard of them or you've been meaning to set one up, Adam walks us through how they work, why they might be a perfect fit for your giving goals, and how they can help you be more intentional with your generosity year-round. But that's not all—we also turn the spotlight on an often-overlooked money moment: handling a car insurance claim. From gathering evidence at the scene to negotiating with your insurance company, the team shares smart, practical steps to make sure you don't leave money (or protection) on the table. And, of course, Len dishes up his trademark personal finance storytelling straight from his new book, mixing in lessons you'll actually remember with tales you didn't see coming. If you've been thinking about giving more, protecting yourself better, or just want to walk away with some clever, real-world money moves, this episode's got you covered. Plus, you'll leave with an extra nudge to make your charitable giving—and your financial safety net—as strong as possible. What You'll Learn in This Episode: The basics of donor-advised funds and how they can supercharge your charitable giving Key differences between donor-advised funds and traditional giving methods How to prepare for and navigate a car insurance claim from start to finish Smart moves for documenting accidents and protecting yourself against disputes Why diversification in your giving can be as valuable as diversification in your investing How Len Penzo turns everyday money lessons into stories you'll want to retell Questions to Discuss with Your Fellow Stackers: Have you ever used a donor-advised fund—or would you consider one after hearing this episode? What's one lesson you've learned (the hard way or otherwise) from filing an insurance claim? Do you think giving should be a scheduled part of your financial plan, or something you do more spontaneously? FULL SHOW NOTES: https://stackingbenjamins.com/donor-advised-fund-deep-dive-1724 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#635: Arielle's head is spinning from the seemingly contradictory advice she hears about the best investments to hedge against inflation and a possible recession. What's she missing? Dave is curious about private investments after listening to a recent First Friday episode. What are they, and should he consider them for his portfolio? Abbey is stoked about the raise she negotiated for her first job out of school. But she's worried about liability risk related to her new position. How does she protect herself?  Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it here For more information, visit the show notes at https://affordanything.com/episode635 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Estate planning might not sound like the most thrilling topic—but skipping it can create a real mess for the people you care about most. In this episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Neighbor Doug sit down with attorney Tim Semro to cut through the noise on wills, trusts, and life insurance. Whether you've been putting off writing a will or you're wondering if a trust is worth it, this conversation will give you a clearer path forward. Tim walks us through the essentials, from the differences between wills and trusts to the sneaky pitfalls that can trip up your beneficiary designations. We also tackle tricky scenarios—like probate headaches, planning across state (or even international) lines, and how to think about life insurance with living benefits. Plus, we swap stories about scams that hit a little too close to home and the simple moves you can take to protect your finances and family. This episode isn't about scaring you into action; it's about showing how estate planning and the right insurance can actually bring peace of mind. By the time you're done listening, you'll have a roadmap for protecting your family, making smarter decisions with your money, and avoiding the landmines that could derail your plan. And yes, there's still a trivia break and plenty of the usual basement flavor to keep things moving. What You'll Learn in This Episode: The key differences between wills and trusts—and when you might need each Why beneficiary designations matter more than you think How estate taxes and probate rules can complicate things (and how to prepare) What life insurance with living benefits is—and when it could make sense Red flags for spotting scams and fraud before they hit your wallet How to align your estate plan with your financial and family goals Questions to Ponder While You Listen (and maybe discuss with us in the Basement Facebook Group): Do you already have a will or trust in place? If not, what's been holding you back? Have you ever discovered an outdated beneficiary designation (or seen the chaos it caused)? What role do you think life insurance should play in your estate planning? FULL SHOW NOTES: https://stackingbenjamins.com/estate-planning-charitable-giving-week-1723 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Some people chase “work-life balance” like it's the Holy Grail—spending time, money, and mental energy trying to keep work and personal life perfectly split down the middle. But what if that balance doesn't actually exist? Live from Joe's mom's basement (and not nearly as glamorous as it sounds), Joe Saul-Sehy, OG, Paula Pant, and Jesse Cramer pull back the curtain on whether we should be aiming for balance… or something else entirely. In this roundtable, the crew wrestles with the difference between work-life balance, alignment, and integration—and why chasing balance might actually keep you from a truly fulfilling life. You'll hear personal stories, some hard-won lessons about productivity, and a few well-placed digs at Nautica (including the questionable financial moves Joe made in his youth). And because no basement chat is complete without it, we bring you a trivia challenge you didn't know you needed. From managing notifications so they stop managing you, to building a life where work and personal priorities don't compete, this episode digs into the practical steps that help you get more out of both your career and your free time. Whether you're climbing the corporate ladder, running your own show, or plotting an early retirement, you'll walk away with tools to rethink how you spend your hours—and why. What You'll Learn in This Episode: Why “work-life balance” might be the wrong target—and what to aim for instead The difference between balance, alignment, and integration (and why it matters) Practical ways to keep work from swallowing your personal life whole How to reclaim your attention from constant notifications and distractions Mindset shifts that boost productivity and satisfaction in everyday life Lessons from real-life wins and missteps (including Joe's Nautica saga) FULL SHOW NOTES: https://stackingbenjamins.com/all-about-work-life-balance-1722 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this powerhouse episode of The Extreme Personal Finance Show, Chris sits down with personal finance legend and podcasting icon Joe Saul-Sehy—host of Stacking Benjamins and co-author of Stacked: Your Super-Serious Guide to Modern Money Management.They dive into:How humor and storytelling can supercharge financial learningWhy most financial advice is either too serious, too salesy, or straight-up wrongThe truth about doing it all yourself (spoiler: just because you're smart enough doesn't mean you should)Joe's wake-up call after blowing his first tax year as a new financial advisorHis take on FIRE, community, “happy money,” and how to fuse your future goals with your present habitsWhy your systems matter more than your willpowerThe most powerful money mindset shift Joe ever made (and how it can change your life too)Plus, personal stories, board games, running marathons, and the truth about that runner's high. This episode is for anyone who wants financial freedom without the financial snobbery.Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyConnect with Joehttps://podcasts.apple.com/us/podcast/the-stacking-benjamins-show/id650045209https://www.instagram.com/averagejoemoneyhttps://www.facebook.com/jsaulsehyResources and Links:Why Having Fun Is the Secret to a Healthier Life | Catherine Price | TEDhttps://youtu.be/iMBJrvEwv8s?si=Jrnzggl89jKydN5BTwin Cities Stacking Benjamins Meetup Grouphttps://www.facebook.com/share/g/1AziMX4ydn/Join or Die Filmhttps://www.joinordiefilm.comKing Tut by Steve Martinhttps://youtu.be/FYbavuReVF4?si=tS36RReiIoEwQ2VWWhy Paying for Professional Retirement Asset Management May Be Worth Ithttps://heavymetal.money/financialadvisor/The Jaimie Dimon Interview - Summer 2025https://youtu.be/AR_1IPhzAtU?si=4Q3YG4l-KadCKCpzHow To Make $100M Dollars in 2025 (with Alex Hormozi) Part 1 & 2https://podcasts.apple.com/us/podcast/the-stacking-benjamins-show/id650045209?i=1000682302745https://podcasts.apple.com/us/podcast/the-stacking-benjamins-show/id650045209?i=1000682511271Understanding Your Financial Roadmap (with Nick Maggiulli) SB1712https://podcasts.apple.com/us/podcast/the-stacking-benjamins-show/id650045209?i=1000718574702Of Dollars And Data bloghttps://ofdollarsanddata.comTHE RETIREMENT ANSWER MAN® SHOWhttps://www.rogerwhitney.comKen Hondahttps://kenhonda.comHappy Money: The Japanese Art of Making Peace with Your Money Paperback by Ken Hondahttps://amzn.to/4mqHIWuPaula Panthttps://affordanything.comCatching Up to FI - Financial Independence For Late Startershttps://catchinguptofi.comDr. Jordan Grumet https://jordangrumet.comThe Earn & Invest Podcast https://podcasts.apple.com/us/podcast/earn-invest/id1440355498Gen Conhttps://www.gencon.com/aboutusGen Con Indy. largest and longest-running game convention, held annually in Indianapolis. It's a four-day event that attracts tens of thousands of attendees and features a wide variety of tabletop, card, and video games, as well as seminars, art shows, and other related events. Three Tales of Financial Triumph (with Jonathan Clements)https://www.youtube.com/watch?v=tlsaUxfksy8Humble Dollar https://humbledollar.com/about/Retirement Starts Today Podcast by Benjamin Brandthttps://podcasts.apple.com/us/podcast/retirement-starts-today/id1052378769Run Disneyhttps://www.rundisney.com/Avowed is a first-person fantasy RPG set in the world of Eora, where your choices carve a path through war, intrigue, and ancient mysteries. Navigate a land in turmoil, forge powerful alliances or deadly rivalries, and wield magic and steel to shape the fate of the Living Lands—and your own destiny.https://store.steampowered.com/app/2457220/Avowed/Jesse Cramerhttps://bestinterest.blog/personal-finance-for-long-term-investors/

#633: Paul is worried the private equity investment he's about to make could be a scam. How can he do his due diligence and stay protected when there's a shortage of reliable information? Rob is questioning the purpose of a bond allocation in his eight-figure investment portfolio. Is he on to something, or is there a legitimate case to add them? Dan can retire in a few years, but he's itching to do it now. Would buying a business be the key to unlocking an earlier exit from his W2? Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! Resources: Interview with Dr. Eric Cole Interview with Katie Gatti Tassin P.S. Got a question? Leave it at https://affordanything.com/voicemail Learn more about your ad choices. Visit podcastchoices.com/adchoices

Is your 401(k) quietly working for you… or quietly working against you? In the first half of this episode, Joe Saul-Sehy, OG, and Neighbor Doug tackle the most common 401(k) slip-ups that even seasoned savers make—and how to turn yours into a retirement-building machine. Then, in the second half, we turn to a problem many Stackers don't see coming: going from saving to spending in retirement. Stacker Joel in Cleveland asks how to make the leap without feeling like you're sabotaging your future. Drawing on OG's real-world experience guiding clients through this tricky transition and Joe's research into the psychology of money, we share practical steps to help you spend without guilt, align your withdrawals with your values, and actually enjoy the freedom you've worked so hard for. Here's what you'll learn in this episode: The most expensive 401(k) mistakes—and how to fix them today Why employer matches are truly “free money” (and how to grab them) Smart moves for rolling over old 401(k)s and navigating vesting schedules The pros and cons of holding company stock in your retirement account Why the saving-to-spending switch can feel so uncomfortable—and how to get past it A simple mindset shift that helps retirees live more fully without blowing their plan How to turn your nest egg into a joy-producing income stream Whether you're in the middle of your career or staring down your first year of retirement, this episode will help you protect what you've built, optimize your plan, and make the most of your money—without second-guessing yourself. FULL SHOW NOTES: https://stackingbenjamins.com/common-401-k-mistakes-1720 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#631: Jason's analysis of his retirement plan shows that the simple path beats the efficient frontier. Is he right or is he missing something? Minerva is worried about the impacts of tax inefficiency to her wealth. Are her investments properly located? Scott feels frozen because he doesn't understand the nuances of the efficient frontier. Where can he get a simplified explainer so he can start taking action? Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it here. Resources Mentioned: https://affordanything.com/how-to-negotiate-your-next-raise/ ⁠https://affordanything.kit.com/assetlocation ⁠Join Paula at Acorns and get your $5 bonus!⁠ https://affordanything.com/577-qa-the-efficient-frontier-was-perfect-until-hr-got-involved/ https://affordanything.com/547-ask-paula-we-have-2-million-at-40-now-what/ https://www.whitecoatinvestor.com/small-cap-value-etf/ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Is your grocery bill beefier than your sandwich? This week, Joe Saul-Sehy, OG, and Neighbor Doug unpack inflation in a way that only we can—by biting into Len Penzo's Annual Sandwich Survey. Yes, prices are up, and yes, you can still eat well without triggering a credit card crisis. But it's not just meat and mustard on today's menu. We're also serving a fresh look at 401(k) “leakage”—that drip-drip-drip of hardship withdrawals that's turning your retirement plan into a leaky faucet. You'll get pro-level insight on how to patch those holes before your future income soaks the floor. And if you're paying for (or dreading paying for) college, Christine from the Stacker community, who works in higher ed, joins to offer sharp and timely advice on keeping costs in check—from completing the FAFSA to finding overlooked aid. Len Penzo's Sandwich Index Which sandwiches give you the most delicious bang for your inflation-adjusted buck? (Spoiler: bologna stages a quiet comeback.) 401(k) Trouble Brewing Hardship withdrawals are on the rise. Why it matters, how to avoid them, and what better options exist when life throws you a cash crisis. Tracking Expenses Like a Pro Joe, OG, and Doug explore the subtle ways inflation seeps into your budget—and how paying attention to where your money leaks gives you power back. Higher Ed, Lower Bills Stacker Christine breaks down must-know tips on navigating skyrocketing tuition, including a FAFSA pep talk that could save you thousands. Tuna vs. Roast Beef: The Sandwich Showdown Plus: Is the BLT still king? Can the humble tuna salad hold its ground against the mighty Big Mac? And where does salami fit into the sandwich power rankings? Trivia, Movie Talk, and Park City Tales No Stacking Benjamins episode is complete without a detour or three—from Doug's trivia trap to stories from the road and screen. Takeaway for Stackers: In high-cost times, it's the small wins—like swapping in store brands, packing a lunch, or tracking that budget leak—that give you the edge. And while it's tempting to ignore those tiny cracks in your retirement plan or daily spending, you're much better off fixing them before the flood. Want to brag about your favorite money-saving sandwich? Drop into the Basement Facebook group and share it—bonus points if it doesn't involve bologna. FULL SHOW NOTES: https://stackingbenjamins.com/len-penzo-2025-annual-sandwich-survey-1717 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

You just came into $50,000—no strings attached. Do you crush your debt? Supercharge your retirement? Blow it all on a podcasting-themed backyard grotto? In this episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, Paula Pant (Afford Anything), and Jesse Cramer (The Best Interest) gather around the card table in Mom's basement to tackle one of the most common “someday” questions in personal finance: What do you do when a windfall lands in your lap? Whether it's an inheritance, work bonus, or prize money (maybe you finally won that game show you keep applying to), the panel explores what smart, emotionally grounded, and goal-aligned decisions look like in the face of sudden cash. Start With the Why Before you touch a dime, the crew walks through the importance of mindset, goals, and not falling into the “I deserve it” trap that has sunk many a lucky winner. Debt vs. Invest vs. Enjoy High-interest debt? Retirement accounts? Travel dreams? The panel weighs each strategy—and surprises us with their personal priorities. Behavioral Finance & Windfall Psychology Why do people tend to mismanage unexpected money? From mental accounting to lifestyle creep, learn the hidden traps and how to sidestep them. The 401(k) Match Dilemma Is it better to max out tax-advantaged accounts or build an emergency fund? The team hashes out smart order-of-operations for stacking your windfall right. Trivia Break: St. Paddy's Parade Edition Neighbor Doug makes sure you don't learn too much without a little distraction. Can you guess when the first St. Patrick's Day parade was held? How They'd Spend It Ever wonder what Joe, OG, Paula, or Jesse would do with an extra 50 grand? From practical moves to guilty pleasures, we get a peek into each of their financial brains. Don't let windfalls drift into “found money” syndrome—align with your long-term goals first. Paying off high-interest debt = guaranteed return. But balance it with your future-focused investments. Emotional awareness is just as crucial as spreadsheets when a windfall hits. Take a beat before making decisions. Give yourself permission to enjoy some of the money—just make sure it's intentional, not impulsive. Got a windfall story or dream scenario? Tell us how you'd handle an extra $50K in our Basement Facebook group. Let's see who would invest it, who would renovate the kitchen, and who would finally launch that mobile alpaca petting zoo. FULL SHOW NOTES: https://stackikngbenjamins.com/how-to-treat-a-financial-inheritance-1716 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

High school math left most of us staring blankly at the board, convinced compound interest was just a fancy way to say "confusing." But what if math could be fun, relevant, and—dare we say—life-changing? In this episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Neighbor Doug welcome economist, education reformer, and documentary filmmaker Ted Dintersmith to the basement for a conversation that makes math feel less like a chore and more like a cheat code for life. Dintersmith, best known for his education advocacy and the acclaimed documentary Most Likely to Succeed, joins us fresh off the release of his latest book, Aftermath—a compelling look at how we rethink learning in a world that's evolving faster than ever. With over a decade visiting 500+ schools and a deep passion for practical math, Ted shares how skills like estimation, probability, and prediction can help you make smarter decisions—especially when it comes to your money. Why Prediction Beats Perfection Ted explains why being roughly right about your spending, investing, and life planning is more powerful than being precisely wrong. Consumer Math is the Real MVP From family budgets to grocery store run-throughs, Dintersmith makes a case for math that actually applies to your everyday decisions—and shows how parents and educators can teach it at home. A Fourth-Grade Science Test Gone Wrong An unforgettable story about how one exam nearly crushed a curious kid's confidence… and what it says about how we measure learning. The Financial Advisor Dilemma Solved Joe Saul-Sehy and OG unpack the key differences between bank advisors and independents, including fee structures, fiduciary responsibilities, and what really matters when choosing your financial guide. Lights, Camera, Reform Dintersmith shares the powerful stories behind his documentaries—including Most Likely to Succeed and the upcoming Multiple Choice—and why his new book Aftermath is a must-read for anyone who believes education should prepare us for real life. The Psychology of Math Anxiety and Money Mistakes We explore how bad math experiences lead to financial decision paralysis, and how to rebuild confidence one calculation at a time. Neighbor Doug's Trivia Takes the Stage Whether it connects to math or not, Neighbor Doug delivers his signature trivia moment with flair—and possibly a tangent or two. Math shouldn't be a barrier to better money decisions. This episode arms you with a fresh mindset for yourself, your kids, and maybe even your school board. If you're a math teacher, financial coach, or just someone who once cried over fractions, we want to hear from you. Join the conversation in our Facebook group, The Basement, and tell us: How are you making math practical—or how do you wish you'd learned it? FULL SHOW NOTES: https://stackingbenjamins.com/math-that-you-need-in-your-life-1715 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

What if the scariest part of retirement isn't running out of money—but losing your sense of identity? This week on The Stacking Benjamins Show, we tackle the fears that hold so many people back from financial independence and a joyful, purpose-filled retirement. Joe Saul-Sehy and Doug are joined by an all-star panel of financial thinkers: Mark Trautman (Mark's Money Mind) Paula Pant (Afford Anything) Jesse Cramer (Personal Finance for Long-Term Investors) Together, they unpack the emotional, practical, and strategic side of planning your next chapter—whether you're closing in on retirement or still working toward it. The biggest fears about retirement: from running out of money to running out of meaning. The “one more year” syndrome: why it's so tempting to delay and how to break through. Time freedom vs. financial freedom: how to align your life goals with your money strategy. Tactics to conquer fear: income layering, diversified portfolios, annuities, and rental properties. Psychology matters: why no spreadsheet ever solved a midlife identity crisis. Real stories from the panel: wins, struggles, and lessons from guiding others through retirement transitions. Planning for healthcare and long-term care: because your body didn't get the early retirement memo. Plus, the usual basement mayhem: trivia, playful host banter, and a few unexpected laughs (we won't call them “funny”—you know the rule). Mark's Money Mind podcast Afford Anything podcast Personal Finance for Long-Term Investors AARP: Retirement Readiness & Addressing Fear Blog post: “Fear Will Hold You Prisoner. A Diversified Portfolio Will Set You Free.” Retire to something, not just from something. Purpose beats spreadsheets. Understand your income plan. Know where the money will come from, rain or shine. Plan for healthcare now, not later. Medicare, long-term care, and medical surprises deserve your attention. Don't go it alone. The best plans are ones you understand, but it helps to get advice from trusted sources. Whether you're on the cusp of calling it quits or still deep in the grind, this episode will help you prepare—not just financially, but mentally and emotionally—for a retirement you'll love. FULL SHOW NOTES: https://stackingbenjamins.com/what-is-holding-you-back-from-reaching-your-goals-1713 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201

What do your financial priorities look like when you're just getting started... or when you're sitting on $100 million? If you're still stuck trying to figure out how to max out your Roth IRA and also afford dinner, this episode's going to walk you through what might be coming next—without promising you a yacht by Tuesday. This week on The Stacking Benjamins Show, Joe Saul-Sehy, O.G., and Doc G (Jordan Grumet) are joined by Nick Maggiulli, Chief Operating Officer at Ritholtz Wealth Management and author of Of Dollars and Data, to talk about lessons from his new book: The Wealth Ladder. Nick breaks down the six wealth levels, from scraping together your first emergency fund to navigating the complexities of generational wealth. They explore: Why increasing your income early on trumps frugality (sorry, coupon clippers). What “wealth plateaus” really look like, and how to recognize when your strategy needs to evolve. The hidden trap of goal obsession, featuring a cameo from world #1 golfer Scottie Scheffler. The true cost of career choices, and why opportunity cost might be the silent killer of long-term growth. Why content and code are two of the most powerful wealth-building levers available (especially when they scale without needing a lunch break). Whether you're stuck in Level 1 or fantasizing about Level 6, this episode has practical, perspective-shifting advice on building wealth—and more importantly, how to enjoy the process without losing your sense of purpose along the way. Stackers don't just want to make money—they want to master it without letting it become their master. This conversation bridges income, investing, identity, and intention in a way that gives you both clarity and confidence. You might even stop worrying about skipping that $5 latte… or realize it's time to start coding that app you keep talking about at parties. FULL SHOW NOTES: https://stackingbenjamins.com/invest-differently-and-move-faster-1712 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#627: Jlyn and her husband are 20 years from retirement, but they've got their eye on a second home they'll live in when the time comes. Should they make the purchase now, or keep saving? Reese was recently laid off, and she's struggling to choose between two financially responsible paths. Should she continue her long-term disability insurance? Or is it wiser to save money? Kip's youngest has finally graduated from college, and he's looking forward to an early retirement. But, with the eyewatering costs of long-term healthcare, is this still a viable path?  Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it here. Resource mentioned: Reese's original question in Episode 417 Learn more about your ad choices. Visit podcastchoices.com/adchoices

What's the right financial move for you… right now? If you've ever found yourself reading advice meant for a millionaire when you're still trying to crack five figures—or following budgeting tips when your net worth is seven digits—this episode is your custom-tailored financial GPS. In this installment of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Doug take you rung-by-rung through the wealth ladder—from humble beginnings at $10K all the way to $10 million—and explain how your financial priorities, risks, and strategies evolve as your net worth grows. How to avoid mismatched advice: Why taking financial tips meant for someone in a different stage can set you back instead of move you forward. Net worth brackets and behavior shifts: What you should be thinking about at $10K, $100K, $1 million, and beyond—and what not to worry about yet. When Roth IRA conversions make sense—and when they really don't: With new legislation impacting retirement tax planning, Joe and OG break down the implications with help from Robert Powell of The Street. Diversification, risk, and behavioral pitfalls: What the pros get wrong and how to stay grounded no matter how big your stack grows. Community-driven insights: From listener milestones to new Stacking Benjamins swag sightings, you'll hear how Stackers are winning in their own lives. As always, the team weaves in laughter, sarcasm, and that unmistakable basement charm—complete with Doug's new mug, a calendar confusion history lesson, and a household disaster caused by what can only be described as “revenge rain.” A Robin Williams–themed trivia segment to warm your heart (and test your memory) Batty Betty's wild TikTok take on relationship finance Practical investing and estate planning ideas that don't make your eyes glaze over Why You'll Love This Episode:If you're trying to level up without falling prey to the one-size-fits-all advice machine, this episode delivers a realistic blueprint. It's equal parts roadmap and reminder: where you are right now matters more than where someone else thinks you should be. Stacker takeaway? Clarity beats comparison. Especially when it comes to money. FULL SHOW NOTES: https://stackingbenjamins.com/build-your-wealth-ladder-1711 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ever feel like you're working hard but getting nowhere? You're not alone—and you might be stuck in a productivity trap, not a purpose-driven plan. In this episode of The Stacking Benjamins Show, we tackle the big one: how to avoid wasting your life. (No pressure.) Joe Saul-Sehy kicks things off with a tongue-in-cheek nod to all the ways we fritter away time—before pivoting into a power-packed conversation on building meaningful goals and avoiding common life derailers. He's joined by two all-star minds in money and behavior: Paula Pant from Afford Anything, who reminds us that "you can afford anything—but not everything," and Jordan Grumet from Earn & Invest, who offers the life-and-death perspective (literally—he's a hospice doctor) on why we need to act now, not later. Together with OG and Doug, the roundtable unpacks six common ways people unknowingly waste their lives, including: Being "busy" instead of effective Letting fear of failure hijack your plans Overthinking every move Paralysis from too many choices Constant hustle with no progress Indecision dressed up as careful planning You'll hear hard-earned lessons, subtle mindset shifts, and tips for creating financial and personal momentum. Plus: The surprising link between indecision and regret, backed by Dr. Ellen Langer's research Smart strategies for eliminating distractions and taking better action The difference between motion and movement—especially when it comes to your goals and your money And, of course, we sprinkle in some classic basement banter, a rowdy trivia throwdown, and Joe's favorite kind of weekend preview (the kind where no one actually follows their own advice). Why this episode is worth your time: Whether you're staring down your 2025 goals or still recovering from a rough Q1, this is your shot of clarity. No judgment—just real talk from people who've been there, made the spreadsheet, and occasionally lit it on fire.

Want to crush your goals and avoid getting crushed by long-term care costs? In today's episode of The Stacking Benjamins Show, Joe Saul-Sehy and OG are joined by Retired Lieutenant Commander Gary McDermott, a former U.S. Navy officer turned business coach, who brings military-grade discipline to the world of goal-setting and financial success. Whether you're working toward a promotion, launching a side hustle, or just trying to stay on track past February, Gary shares a field-tested, civilian-approved approach to achieving your biggest financial and personal milestones. From defining SMART goals to building sustainable habits and multiple income streams, this conversation is all about real results—no fluff, no buzzwords. But that's just the first mission. In the second half, Joe and OG dive into one of retirement's trickiest topics: long-term care insurance. Is it worth it? When should you buy it? How do you know if it's right for your situation? Consider this your tactical briefing before walking into a battle you didn't know you were fighting. You'll also hear: Why borrowing someone else's goals is a recipe for burnout. The power of structure and accountability (no drill sergeant required). What “Trump Accounts” are and why you might want to know about them. How to evaluate long-term care coverage before it sneaks up on your plan. Joe's high-speed review of the new Formula One movie (spoiler: he's not drafting behind the popcorn). Packed with tactical advice, unexpected laughs, and practical strategies, this episode delivers a full-stack toolkit for Adventurers looking to thrive—financially and personally—in the second half of 2025 and beyond. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Still on track to crush your 2025 goals? Or has the year felt more like a Super Mario Kart banana peel moment? In this special mid-year review episode of The Stacking Benjamins Show, Joe Saul-Sehy and OG take a pause from the summer sprint to look back at the most impactful lessons, conversations, and themes from the first half of 2025. Whether you're rethinking your budget, fine-tuning your risk tolerance, or just trying to remember where you wrote down your resolutions, this is your nudge to hit the financial reset button—with style. From Alex Hormozi's take on embracing risk and skill-building to JL Collins' wisdom on why buying happiness with money is a flawed formula, this episode pulls powerful insights from our brightest guests so far. We revisit career advice from media powerhouse Bonnie Hammer, dig into intentional spending habits, and reflect on the subtle connection between mindset and long-term success. Oh—and don't miss a moment of Joe and OG's always-wise, occasionally-weird banter as they break down topics like: Why goal setting isn't just for January—and how to mid-course correct before December sneaks up on you. Risk management in real life (not the textbook version). Why mindful consumption isn't about cutting back, but tuning in. What makes retirement joyful beyond the spreadsheets. How your community can be the most underrated part of your portfolio. If you've felt a little off-course—or just want a chance to recalibrate without the guilt trip—this episode delivers practical steps and encouraging reminders to help you make the second half of 2025 your strongest yet. Got goals? Let's reset ‘em. And if not, we've got a few ideas for those, too. FULL SHOW NOTES: https://stackingbenjamins.com/our-review-of-first-half-2025-1708 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#623: An anonymous caller feels trapped in a no-win situation with her financially reckless mother. She has the means to bail her out, but it doesn't feel right. What should she do?  Shannon is excited about investing in several companies overseas. But she can only access them using American Depository Receipts. What are they, and how do they work?  Jennifer calls back with an update on putting a vacation on a credit card and playing the rewards game. Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it here. Learn more about your ad choices. Visit podcastchoices.com/adchoices

DOWNLOAD the FREE Cheat Sheet: ASSET LOCATION MADE SIMPLE at affordanything.com/assetlocation #621: Jared is attracted to the favorable terms of the annuity plan that his employer offers, but he's hesitant to pay the opportunity cost of locking up his money now. What should he do? An anonymous caller is struggling to find the efficient frontier with only three funds to choose from in his Thrift Savings Plan. Is there any hope for him? Jack feels great about the funds in his portfolio, but he's losing sleep over how to apportion them between his taxable, pre-tax and Roth accounts. What's the best tax strategy for him? Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it at https://affordanything.com/voicemail Learn more about your ad choices. Visit podcastchoices.com/adchoices

How much can you really spend in retirement without running out of money—or worse, running out of fun? In this deeper-than-usual dive, Joe Saul-Sehy and OG examine the classic 4% retirement rule and whether it's time for an upgrade. With new commentary from Bill Bengen, the original architect of the 4% rule, the team explores emerging research that suggests a withdrawal rate closer to 5.5% might be possible—if you've got the right mix of investments, a solid plan, and a bit of courage. But we don't stop there. Because with greater freedom comes greater risk (especially if you're leading with vibes instead of strategy). The guys tackle the sequence of returns risk that can derail early retirement years, and how to build a portfolio that helps you sleep at night—even during a market storm. Meanwhile, Doug drops in with an unexpected (and very British) culinary experience, Joe fields a listener question comparing financial plans to workout routines (is your Roth IRA doing enough reps?), and yes... we revisit our fan-favorite segment on how food waste is wrecking your budget. Why the 4% rule might be too conservative (or maybe just outdated). What diversified portfolios and asset class strategy have to do with a longer-lasting nest egg. How to prepare for market downturns before they happen—and what to do if you're already in one. Why retirement joy isn't just about spreadsheets—it's about the psychology of spending with confidence. Which type of green tea is the superior kind (depending on which side of the TikTok aisle you're on). How to reduce food waste and put that extra savings toward your bigger financial goals. If you're approaching retirement—or even just dreaming about it—understanding how much you can safely spend without sabotaging your future is the question. This episode combines historical insight with today's market realities to give you the real math and mindset you need to retire well…and maybe even with a smile. FULL SHOW NOTES: https://stackingbenjamins.com/problems-with-the-4-percent-rule-1702 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Can you really build wealth with a simple formula? Do you need a budget to succeed financially? Should you cut up all your credit cards, or is that just a dramatic TikTok trend? In this episode of The Stacking Benjamins Show, Joe Saul-Sehy is joined by Paula Pant, Doc G (Jordan Grumet), and Jesse Cramer for a roundtable discussion that peels back the truth behind popular advice from so-called financial “gurus.” The conversation is rooted in a provocative blog post by Christine Luken that calls out four common money mantras—and the team dives into each one with classic basement wit, spirited debate, and hard-earned wisdom. Topics on the table: Do you really need a budget, or can you thrive without one? Are rigid financial formulas helpful or harmful? Is willpower the key to financial success—or just a scapegoat? Does cutting up credit cards actually solve your spending problems? Along the way, you'll hear banana jokes (yes, multiple), a heated trivia contest about obsolete technology (looking at you, LaserDisc), and some good-natured trash talk that might just surprise you with how insightful it gets. This episode is packed with nuance, laughs, and practical takeaways for Stackers who are tired of the one-size-fits-all guru approach. Whether you're team budget or team spreadsheet freestyle, there's something here for you—plus a solid reminder that when it comes to personal finance, the best advice is the advice that fits your life. FULL SHOW NOTES: https://stackingbenjamins.com/lies-damn-lies-and-statistics-1701 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

What's the best way to save for a house without wrecking your retirement plan? That's just one of the big questions Joe Saul-Sehy, OG, and Mom's neighbor Doug tackle in this packed episode (number 1700!) of Stacking Benjamins. Whether you're trying to figure out where to park your emergency fund, how to handle inherited IRAs, or how to financially plan as a single adult with big responsibilities (hello, aging parents!), this episode is full of relatable scenarios and actionable strategies. Stackers Torin, VJ, Lori, and Michelle ask everything from: How much is too much in your emergency fund? What happens to inherited IRAs when you're already juggling financial priorities? What should single people be doing right now to prepare for the future? How do you juggle helping aging parents while keeping your own goals on track? Plus, we mix in commentary from Kevin at Edward Jones and longtime listener Ron—offering insights from inside the financial services world and the Stacker community. The guys debate personal finance media narratives, give practical advice for budgeting large windfalls, and reflect on why saving feels easier in theory than in practice. Also covered in this episode: Why financial advice often skips over single individuals—and what to do about it Emergency fund strategies: where to park the money, how much to keep, and how to make peace with the fact it isn't earning sky-high returns How to prioritize debt, student loans, savings, and investing without setting off a financial anxiety spiral The value of short-term tradeoffs when you've got long-term goals All delivered with the basement's signature charm—where the coffee is lukewarm, the guidance is practical, and the jokes… well, let's just say they're dividend-eligible. This episode is a perfect listen for: New Stackers building their financial foundation DIYers trying to juggle competing money goals Anyone who's inherited assets and doesn't want to mess it up People who've realized adulting is basically managing 14 financial priorities at once and still remembering to bring snacks. FULL SHOW NOTES: https://stackingbenjamins.com/answering-your-questions-mailbag-1700 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#619: Dave is no longer happy with his financial advisor, but he's nervous about switching over to self-management after being completely hands-off for so long. What should he do? An anonymous caller keeps hearing about the benefits of Cost Segregation for investment property. What is it? And should he apply this strategy to his recently acquired duplex? Another anonymous caller is eagerly anticipating a windfall from his employer's upcoming IPO. How should he prepare for this, and what happens if it fails? Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it at https://affordanything.com/voicemail For more information, visit the show notes at https://affordanything.com/episode619https://affordanything.com/episode619 Learn more about your ad choices. Visit podcastchoices.com/adchoices

The robots aren't just coming—they're already here. And if you're not paying attention, they might not just take your job… they could take your personal data too. In this episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Doug dive into the rise of artificial intelligence, exploring whether it's a threat, a tool, or something in between. If you've been wondering how AI will impact your work, your privacy, and your future, this episode is a must-listen. They kick off with a surprising headline: Gen Z workers are sidestepping AI entirely—not by resisting it, but by choosing careers where machines can't compete (like landscaping and trades), and using AI tools to grow their businesses faster. This sparks a full-on basement debate about how technology has historically impacted jobs, what the next evolution might look like, and whether AI will make our lives easier… or just busier. In today's show: Why some jobs may disappear—but others are about to explode with opportunity The surprising role AI is playing in blue-collar and skilled trade growth Why being AI-curious (not AI-phobic) is your best financial move New tech tools that supercharge productivity—from transcription wallets to note-taking bots How AI is already transforming education and career paths What to do right now to stay ahead of the AI curve Then the guys shift gears to a more sinister topic: data privacy. CNET recently reported which free AI chatbots are scooping up the most of your personal info—and which are surprisingly respectful. The gang reveals which apps are best to trust, and which are like letting Zuck crash on your couch (bad idea). We'll also hear from listener John, who wants to hire a financial advisor but isn't sure where to start. Joe and OG break down how to find the right fit, why fees aren't the most important factor, and the one question that tells you if someone's worth hiring. Plus: Doug's trivia on egomaniacal coin designers A TikTok minute about U2, dating apps, and dad jokes Back porch chatter about Pontiac Azteks, water treatment careers, and IMAX concert pilgrimages Takeaway: AI isn't just a tech trend—it's reshaping our economy, our careers, and even how we learn. Whether you're a Gen Z worker, mid-career professional, or planning your retirement, now's the time to lean in, explore what AI can (and can't) do, and secure your future before the bots beat you to it. FULL SHOW NOTES: https://stackingbenjamins.com/ais-coming-for-your-job-how-to-outwit-the-robots-1699 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

So you've scaled the mountain, built the nest egg, and maybe even shouted “I'm done!” across a pristine beach... now what? In today's Stacking Benjamins episode, Joe Saul-Sehy convenes a roundtable of heavy-hitters to tackle the most misunderstood phase of money management: decumulation—a.k.a. the art of spending what you've worked so hard to save. Whether you're staring down retirement or already deep into your golden years, you'll hear candid, practical insights from three financial thought leaders who specialize in making your money last. Joining Joe are Dana Anspach, retirement planning expert and founder of Sensible Money, Karsten Jeske (aka “Big ERN” from Early Retirement Now), and Frank Vasquez, aka Uncle Frank, host of Risk Parity Radio. Together, they bring decades of academic research, professional experience, and plain old common sense to questions like: What's the real safe withdrawal rate—and why does it depend on more than just spreadsheets? Should you chase simplicity or embrace complexity in managing retirement funds? What role do annuities and guaranteed income play in reducing late-life anxiety? How do you plan for cognitive decline without spiraling into existential dread? What's the difference between spending confidently... and spending carelessly? You'll also hear why lumpy expenses, long-term care surprises, and behavioral quirks can trip up even the best-laid plans—and how to bulletproof your strategy now. And yes, we get nerdy. Risk parity, sequence of return risk, and portfolio glidepaths all make guest appearances—but always with your favorite Stacking Benjamins charm and plain-English style. Because retirement doesn't need to be scary... but it does need to be intentional. Why your investment approach needs to evolve once paychecks stop The strengths and blind spots of the “4% rule” How emotions (not just inflation) affect safe withdrawal strategies When it makes sense to annuitize, and when it absolutely doesn't How to adjust for cognitive decline in your financial plan (and still maintain autonomy) The “spend conservatively early” myth—debunked Tips for managing healthcare and other unpredictable late-life costs Whether you're a retiree, a pre-retiree, or a spreadsheet-loving financial independence buff, this deep-dive episode will give you the confidence to manage the second half of your financial life like a pro. This isn't just about stretching your dollars—it's about building a life worth spending them on. So grab your planner, pour a cup of whatever says “retirement-ready” to you, and let's get smarter (and maybe just a bit weirder) about your golden years. FULL SHOW NOTES: https://stackingbenjamins.com/create-your-retirement-spending-plan-1698 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

What if the most important part of your retirement plan had nothing to do with your 401(k), IRA, or stock portfolio? In this episode of The Stacking Benjamins Show, Joe Saul-Sehy and OG are joined by filmmakers Pete Davis and Rebecca Davis, creators of the thought-provoking documentary Join or Die. They explore how community connection, not cash, may be the ultimate retirement strategy. Drawing inspiration from the late political scientist Robert Putnam (Bowling Alone), the Davises reveal why joining groups—book clubs, church choirs, rec leagues, neighborhood associations—might be more essential to your long-term well-being than your asset allocation. Together with Joe and OG, they unpack the data behind social decline, the healing power of showing up, and what the film Join or Die teaches us about leading a richer life beyond the numbers. Of course, Mom's Neighbor Doug pops in with trivia that proves he belongs (at least to this show). Whether you're on the path to retirement or simply looking for deeper purpose, this episode will make you think differently about how you stack your most valuable resource: time. Why joining a club may be just as critical to retirement as saving for it What Join or Die reveals about America's shrinking social networks How loneliness affects physical and financial health—and how to fight it Why your “portfolio of community” might be the highest-yield investment you ever make Ways to build meaningful connections now—even if you don't feel like a “joiner” Pete and Rebecca Davis share behind-the-scenes stories from making Join or Die Joe and OG reflect on what gives life meaning after the 9-to-5 ends Surprising data on the link between social capital and financial confidence Doug delivers a trivia challenge about famous clubs (and less-famous neighbors)

#617: Austin and his wife are worried about moving to a single-income household while supporting two kids. Should they free up cash flow by paying off a car loan, or tighten up and stay the course? Paul has been retired for seven years, but still can't shake his anxiety about not having enough. Is there a good way to know when he's finally escaped the dreaded sequence of returns risk? Jonathan wants to build up his taxable brokerage account, but he's having trouble letting go of the tax benefits of a Roth IRA. How does he get past his psychological hurdles? Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it at https://affordanything.com/voicemail Learn more about your ad choices. Visit podcastchoices.com/adchoices

You can't plan a great retirement if you haven't first planned what you're retiring to. In this episode, Joe Saul-Sehy, OG, and Neighbor Doug open up Retirement Week in the basement with a Monday that's equal parts insight, weekend recap, and questionable vehicle decisions.

Markets crashing? Interest rates spiking? Inflation roaring? Welcome to history. This week, we dig into 130 years of stock market meltdowns—from the panic of World War I to the Great Depression, 1970s stagflation, the dot-com collapse, and the 2008 financial crisis—to uncover timeless lessons that can fortify your financial future. Joe Saul-Sehy is joined by Miranda Marquit, Jesse Cramer, and OG to examine how investors have historically responded to chaos... and how you should, too. You'll learn why diversification matters, why panic rarely pays, and why staying the course (even when it's scary) can be the smartest move of all. Of course, this wouldn't be the Stacking Benjamins Show without a trivia detour that involves mailing children through the U.S. Postal Service (yes, that happened). Buckle up for laughter, insight, and financial takeaways that are as practical as they are entertaining. What WWI, the Great Depression, and 1970s inflation can teach us about investing Why “The Lost Decade” wasn't a loss for long-term thinkers How to build a resilient portfolio that weathers the storm Our infamous trivia game: How much could a kid weigh and still be legally mailed in the 1920s? A few money-saving hacks, podcast updates, and your weekend preview from the basement Whether you're a seasoned investor or just building your financial foundation, this episode will leave you smarter, more confident, and—let's be honest—way more amused than the average market history lecture. FULL SHOW NOTES: https://stackingbenjamins.com/lessons-from-stock-market-history-1695 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

What happens when you mix financial strategy with a healthy dose of cultural commentary? You get Rich Girl Nation. This week on The Stacking Benjamins Show, Joe Saul-Sehy and OG are joined by Katie Gatti Tassin, the powerhouse behind Money with Katie and author of the new book Rich Girl Nation. Together, they unravel the sneaky ways consumerism shows up in our lives—from pricey trends to status-signaling spending—and how it messes with our wallets. Katie dives into the “hot girl hamster wheel” of overspending, the wage gap, and why negotiating your salary (without flinching) is one of the best financial moves you can make. She also offers sharp, tactical advice on job-hopping for higher pay and automating your money to avoid lifestyle creep. Meanwhile, the crew throws in real-life stories, from Cybertruck depreciation to celebrating financial independence in more ways than one. And of course, Doug drops in with a trivia twist that keeps things weird—because it wouldn't be the basement without a little curveball.

#615: Emily is nervous that buying their first home will derail her family's journey to financial independence. What's the smartest way to deploy their savings and stay on track? Based on cap rate calculations, Paul's real estate investments have appreciated beyond their sensible holding point. Should he sell his assets, or is there more to consider here? Mike is recently retired while his wife still works. With a paid-off home and healthcare already taken care of, what are best practices for drawing down an investment portfolio?   Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it here. For more information, visit the show notes at https://affordanything.com/episode615https://affordanything.com/episode615 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Can building wealth be as entertaining as a round of trivia in the basement? We think so—and today's episode proves it. Joe Saul-Sehy is joined by Doc G, Paula Pant, and Jesse Cramer to play a fast-paced financial game show based on 11 expert-approved ways to grow your wealth. From boosting your income and dialing in your budget to the eternal tug-of-war between paying down debt and investing more, this episode delivers wisdom with a side of basement-brand chaos. But we don't stop at just the basics. Our roundtable dives into: How homeownership plays into your wealth picture (even if it's not as sexy as index funds), Why insurance coverage might be your best wealth-preserving move, The truth about improving your credit score without obsessing over every point. Plus, a trivia celebration of 50 Cent's Vitamin Water payday turns into a lesson in surprise wins—and surprise losses. Whether you're just beginning your wealth-building journey or refining your strategy, this episode brings practical insights, hearty laughs, and a gentle nudge to rethink what really grows your net worth. How to increase your income (without selling essential organs) Budgeting strategies that actually stick Why investing early matters—and when paying off debt takes priority The real ROI of proper insurance coverage A homebuying debate that might ruffle some financial feathers Birthday trivia for 50 Cent and the Vitamin Water deal that made him a legend End-of-episode takeaways you'll want to write down (or tattoo, if that's your thing) Stackers, whether you're navigating rainy days or planning for a brighter financial future, today's conversation will help you stack smarter, live better, and maybe even walk away with a new strategy—or at least a smile. FULL SHOW NOTES: https://stackingbenjamins.com/our-favorite-ways-to-grow-wealth-1692 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

After Monday's primer on why your portfolio needs some international flavor, we're following up with a deeper dive—this time with someone who lives and breathes global markets. Joe Saul-Sehy and OG welcome Joy Yang, Head of Index Product Management at MarketVector Indexes, to talk through how to actually invest beyond U.S. borders. Joy explains how ETFs can help investors capture international growth while minimizing risk—and why country-specific and sector-specific ETFs might just be your new best friend. You'll also hear insights on investing in private markets, the rise of digital assets, and whether private equity in your 401k is a brilliant idea… or a cautionary tale. But don't worry, the basement stays weird. Doug brings the trivia heat with a Martha Stewart–Eliot Spitzer stumper, and the episode wraps with some creative audience feedback (including one Stackers' AI-powered school project that caught our attention). Topics Covered: How to diversify globally without overcomplicating your portfolio The power of ETFs for targeting specific markets and sectors What you really need to know before considering private equity in retirement accounts Balancing simplicity with opportunity in a world of shiny investment options The limits of “going big or going home” when it comes to risk and return Stackers, if you're looking for smart ways to expand your portfolio's reach—or just curious what index creators think about Bitcoin—this episode delivers insights, laughs, and a grounded reminder: simple can still be smart. FULL SHOW NOTES: https://stackingbenjamins.com/how-to-invest-globally-with-joy-yang-1691 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

How global is your portfolio, really? This week in the basement, Joe Saul-Sehy, OG, and the gang zoom out from the U.S. markets and take us on a whirlwind trip around the investing world. Spoiler alert: the case for international investing is stronger than you think—and it's not just about chasing higher returns. It's about risk reduction, smart diversification, and maybe even admitting that the U.S. isn't always the world's MVP. You'll hear how developed and emerging markets fit into a well-balanced portfolio, how correlation works in your favor (yes, this time that's a good thing), and what history tells us about going global. Joe and OG share practical advice for how to get started, when to rebalance, and how much international exposure might make sense for the average Stacker. Then in the second half, we pivot from markets to money buffers: listener Jeff from Cleveland wonders how to set insurance deductibles based on the state of his emergency fund. We break down how to think about the real return on your rainy-day stash—because spoiler: it's not about the interest rate, it's about your resilience. To wrap things up, we share timeless wisdom from Stackers across the country on what they'd tell new graduates about money, life, and how not to blow that first paycheck on a jet ski. Why international investing may improve both your returns and your risk profile How much of your portfolio to allocate internationally—and what history suggests What "correlation" really means and why it's your friend (at least in investing) Risks and common misconceptions of investing overseas How to choose between developed vs. emerging markets Portfolio tools to visualize your asset mix and expected outcomes Why your emergency fund's best ROI might be peace of mind How to align insurance deductibles with your liquidity cushion What our community of Stackers wishes they had known after graduation FULL SHOW NOTES: https://stackingbenjamins.com/making-the-case-for-international-investing-1690 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

#611: With the state of the world changing so rapidly, Lesley is struggling to accept that “this time isn't different.” Does the past still reliably inform the present in the face of major decisions today? An anonymous caller and her husband want to achieve financial independence through real estate within 10 years. Is it better to pay off existing mortgages or prioritize buying more rentals? Melanie feels duped by the FICO credit scoring system. She's doing all the right things, but her credit score is still moving in the wrong direction. What's going on here? Former financial planner Joe Saul-Sehy and I tackle these three questions in today's episode. Enjoy! P.S. Got a question? Leave it here. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Think you're being lied to at work? You probably are. From boardrooms to bank accounts, this episode pulls no punches. We're stacking double the wisdom on this special Memorial Day episode, as Joe Saul-Sehy interviews two powerhouse guests: Bonnie Hammer, former vice chair of NBCUniversal and bestselling author, and Dr. Erika Rasure from Beyond Finance. Whether it's breaking glass ceilings or breaking out of debt, this episode is your roadmap to reclaiming control. Inside the episode:

Eva is approaching financial independence, but she's worried about messing up the transition. How does she set her portfolio up for success during the drawdown years of early retirement? Former financial planner Joe Saul-Sehy and I deep-dive into this question in today's episode. Enjoy! P.S. Got a question? Leave it here. Episodes about the Efficient Frontier: https://affordanything.com/577-qa-the-efficient-frontier-was-perfect-until-hr-got-involved https://affordanything.com/357-practical-investing-and-the-efficient-frontier-with-joe-saul-sehy https://affordanything.com/380-ask-paula-how-to-optimize-your-investments-along-the-efficient-frontier-if-you-dare https://affordanything.com/episode597 https://affordanything.com/episode567 Learn more about your ad choices. Visit podcastchoices.com/adchoices