Podcast appearances and mentions of paula pant

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3299: Paula Pant explores practical ways to manage the crushing weight of overwork and overwhelm, offering strategies to regain focus, energy, and a sense of control. By shifting perspective, setting boundaries, and rethinking how we use our time, she highlights how to move from exhaustion to intentional living. Read along with the original article(s) here: https://affordanything.com/how-to-handle-feeling-overworked-overwhelmed/ Quotes to ponder: "When you feel overwhelmed, everything seems urgent and important." "Overwork isn't just about the number of hours you spend, but about the mental load you carry." "The more you try to push through exhaustion, the less productive and creative you become." Episode references: Getting Things Done: The Art of Stress-Free Productivity: https://www.amazon.com/Getting-Things-Done-Stress-Free-Productivity/dp/0142000280 Essentialism: The Disciplined Pursuit of Less: https://www.amazon.com/Essentialism-Disciplined-Pursuit-Greg-McKeown/dp/0804137382 The One Thing: The Surprisingly Simple Truth About Extraordinary Results: https://www.amazon.com/ONE-Thing-Surprisingly-Extraordinary-Results/dp/1885167776 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3299: Paula Pant explores practical ways to manage the crushing weight of overwork and overwhelm, offering strategies to regain focus, energy, and a sense of control. By shifting perspective, setting boundaries, and rethinking how we use our time, she highlights how to move from exhaustion to intentional living. Read along with the original article(s) here: https://affordanything.com/how-to-handle-feeling-overworked-overwhelmed/ Quotes to ponder: "When you feel overwhelmed, everything seems urgent and important." "Overwork isn't just about the number of hours you spend, but about the mental load you carry." "The more you try to push through exhaustion, the less productive and creative you become." Episode references: Getting Things Done: The Art of Stress-Free Productivity: https://www.amazon.com/Getting-Things-Done-Stress-Free-Productivity/dp/0142000280 Essentialism: The Disciplined Pursuit of Less: https://www.amazon.com/Essentialism-Disciplined-Pursuit-Greg-McKeown/dp/0804137382 The One Thing: The Surprisingly Simple Truth About Extraordinary Results: https://www.amazon.com/ONE-Thing-Surprisingly-Extraordinary-Results/dp/1885167776 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3299: Paula Pant explores practical ways to manage the crushing weight of overwork and overwhelm, offering strategies to regain focus, energy, and a sense of control. By shifting perspective, setting boundaries, and rethinking how we use our time, she highlights how to move from exhaustion to intentional living. Read along with the original article(s) here: https://affordanything.com/how-to-handle-feeling-overworked-overwhelmed/ Quotes to ponder: "When you feel overwhelmed, everything seems urgent and important." "Overwork isn't just about the number of hours you spend, but about the mental load you carry." "The more you try to push through exhaustion, the less productive and creative you become." Episode references: Getting Things Done: The Art of Stress-Free Productivity: https://www.amazon.com/Getting-Things-Done-Stress-Free-Productivity/dp/0142000280 Essentialism: The Disciplined Pursuit of Less: https://www.amazon.com/Essentialism-Disciplined-Pursuit-Greg-McKeown/dp/0804137382 The One Thing: The Surprisingly Simple Truth About Extraordinary Results: https://www.amazon.com/ONE-Thing-Surprisingly-Extraordinary-Results/dp/1885167776 Learn more about your ad choices. Visit megaphone.fm/adchoices

What if tweaking just a few “knobs” in your 401(k) could mean the difference between retiring with confidence or wondering if you'll ever stop working? In this spirited episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Neighbor Doug are joined by three of our favorite money minds — Paula Pant from AffordAnything, Jesse Cramer from Personal Finance For Long Term Investors, and Lacey Langford from The MILMO Show — to break down everything you thought you knew (and a few things you probably didn't) about retirement planning. From the basics of employer matches and contribution strategies to the great Roth vs. Traditional debate, we're exploring the smart moves that can supercharge your 401(k) — and the missteps that can quietly drain your future nest egg. Along the way, you'll pick up clever tips, a few head-scratching stories, and some beer-fueled trivia that will leave you laughing harder than your HR rep when you ask if “401(k)” is the Wi-Fi password. And because this is Stacking Benjamins, the conversation goes far beyond just investment allocations and tax advantages. We dig into why behavioral traps can derail your savings plan, how military families can maximize their benefits, and why understanding fees is one of the most underrated wealth-building moves you can make. So grab a pretzel, pull up a chair, and let's talk about how to make your money work harder — so future you can kick back with a stein and say, “I nailed this retirement thing.” How to “tune” your 401(k) like a pro — from employer matches to smart contribution strategies. The real differences between Roth and Traditional accounts (and how to decide which is right for you). Why understanding your 401(k) fees could add thousands to your future balance. How military families can make the most of unique retirement benefits. The biggest mistakes people make with their 401(k)s — and how to avoid them. Plus: A special Oktoberfest-themed trivia showdown and plenty of basement banter. FULL SHOW NOTES: https://stackingbenjamins.com/tweaking-your-retirement-account-1740 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 throw a bunch of money nerds into one room, add microphones, and sprinkle in a little economic chaos? You get this live recording from FinCon in Portland, where Joe Saul-Sehy, Paula Pant, Jesse Cramer, and Matthew Tarr tackle today's most pressing financial questions head-on—with plenty of laughs along the way. From housing headaches to healthcare hurdles, nothing is off the table as the crew breaks down the issues shaping your money right now. Housing prices got you wondering if you should rent, buy, or just live in your car with an Amazon Prime subscription? We dig into the real trade-offs in today's market. Worried about a looming recession or high-interest rates eating away at your financial confidence? You'll walk away with strategies that keep you focused and resilient when headlines try to spook you. And for those plotting an early retirement, the group pulls apart the rising cost of healthcare and why conservative investment strategies may be your best friend. At its core, this episode is about tuning out the noise and zeroing in on what matters: a solid plan, smart decisions, and a community of people who know that money is just the tool—not the destination. Whether you're trying to hit FI, weather market storms, or simply avoid panic-selling your investments, this conversation from the heart of FinCon will leave you with perspective, strategy, and maybe even a grin. Why renting vs. buying isn't a one-size-fits-all answer (and what today's market means for you) How to prepare for recession chatter without losing sleep The ripple effect of high-interest rates on your wallet and investments Smart approaches to healthcare planning in early retirement Practical strategies for building a strong investment plan that outlasts market swings Reflections on community, optimism, and financial resilience from the FinCon floor Points to Chew On: Would you rather own a house in this market—or rent and keep flexibility? How do you personally prepare for recession fears without derailing your long-term plan? If healthcare costs keep climbing, how will that affect your retirement timing or strategy? FULL SHOW NOTES: https://stackingbenjamins.com/live-from-fincon-2025-173 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

EXCLUSIVE: Is your money safe in today's economy? In this bonus interview, Paula Pant sits down with financial expert Rob Berger to unpack the latest on inflation, interest rates, market valuations, and the future of Social Security. Together, Paula and Rob dive into the tough questions: Is the American Dream dead for Gen Z? Will there be another market crash? How should you invest when stocks feel overpriced? Can you still retire comfortably if Social Security gets cut? Rob also shares his insights on asset allocation, diversification, and long-term investing strategies — advice that matters whether you're in your 20s saving for a first home or in your 60s planning for retirement. Don't miss this conversation between Paula Pant and Rob Berger — a deep dive into money, markets, and the decisions that shape your financial future. Timestamps: (04:19) CPI Numbers, Mortgage Rates, and Market Outlook (05:05) Inflation, Jobs & the Fed's Dilemma (05:46) Stagflation Concerns (06:38) Interest Rate Predictions (07:29) Stock Market Valuations & The Magnificent Seven (09:46) Diversification & Index Fund Concerns (10:53) Rules of Thumb for Asset Allocation (12:07) Bonds: TIPS vs. Nominal Treasuries (13:04) The Future of Social Security (14:41) Retirement Planning for Ages 55–60 (16:59) Should You Invest More Aggressively Near Retirement? (18:52) Gen Z, Millennials & the American Dream (21:08) Action Plan for a 25-Year-Old Buyer (22:45) Predictions for 2026 (and Why Predictions Fail) (25:12) Closing Thoughts & Where to Find Rob Berger Resources mentioned: The Rob Berger Show on YouTube Free Asset Location Cheat-Sheet Learn more about your ad choices. Visit podcastchoices.com/adchoices

It's a wrap on FinCon '25 from Portland, but not before what Chuck describes as the "single best day of interviews [he has] done at any FinCon that Money Life has attended." Here's the lineup:    — Paul Merriman is a long-time financial advisor, author and retirement columnist — he was writing for MarketWatch before Chuck got there in 2003 and still writes for them today — who has watched the transitions that have impacted the investing world over the decades. He gives his take on everything from ETFs versus traditional funds to crypto and much more.    — Paula Pant is the host of "Afford Anything," one of the most influential podcasts in the financial world. She talks about how inflation has impacted people's mindset on what they can afford — and why it shouldn't change your thinking if you have spending in the right place — but also has a unique perspective on America's housing affordability crisis and how consumers should respond to the problem.    — Jessie Jimenez is the founder of Cashtoons.com, where she produces short animated films that cover the investment and money-management basics, but which also get into topics like managing your flexible-spending account or calculating your retirement budget to hone in on a savings target.    — Kanwal Sarai of the Simply Investing Dividends podcast discusses his obsession with dividend-paying stocks, his criteria for buying and selling them — because he is more active in selling than many long-term dividend buyers — and more.    — Joe Saul-Sehy, host of the Stacking Benjamins podcast, puts a bow on the FinCon interviews — as he has done in each of the last three years — talking about the good and bad he sees among content creators in the financial space, the worst interview he has ever done and what makes for good financial talk.

#642: Curious about how individual stock picking could sharpen your investing skills—even if you're an avid index fund investor? In this episode, Paula Pant sits down with David Gardner, co-founder of The Motley Fool and author of Rule Breaker Investing, to delve into the world of contrarian stock strategies and the mindset behind picking standout companies. You'll explore how evaluating individual stocks can uncover insights that benefit any investor, whether you ever buy a single share or not. Paula and David discuss the value of qualitative analysis—looking beyond spreadsheets to factors like leadership, innovation, and company culture—and reveal what makes a ‘Rule Breaker' stock with Gardner's signature six traits. Whether you're curious about dabbling in stocks or simply want to become a more savvy business thinker, this conversation has lasting lessons. Listeners will learn: Why David Gardner seeks out companies that others consider overvalued, and how contrarian thinking can lead to unique opportunities The six traits that define Rule Breaker stocks, focusing on the qualitative factors that set businesses apart How skills gained from evaluating individual stocks can be applied broadly—to entrepreneurship, career growth, and a deeper understanding of business Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (0:00) Sports team investing analogy (4:20) Individual stocks vs index funds (7:12) Values-based investing approach (13:16) Starbucks pick criteria (13:28) Six rule breaker traits (20:41) Why overvalued works (26:44) Market timing philosophy (32:20) Traditional metrics miss key factors (39:18) When to sell stocks (45:26) Winners vs losers math (48:32) Portfolio allocation rules (55:10) Sleep number concept (1:00:00) Adding to winners strategy (1:05:16) Evaluating unfamiliar companies (1:09:15) Dot-com bubble lessons (1:16:24) AI investing parallels (1:20:18) Sports betting critique Resource: David Gardner's book: Rule Breaker Investing: How to Pick the Best Stocks of the Future and Build Lasting Wealth Learn more about your ad choices. Visit podcastchoices.com/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3735: Paula Pant explores how fear of mistakes often keeps us from making progress, revealing that the real cost lies not in failure but in inaction. She illustrates how reframing errors as stepping stones can unlock growth, resilience, and opportunities that perfectionism will always deny us. Read along with the original article(s) here: https://affordanything.com/one-critical-thing-holding-back/ Quotes to ponder: "Most people don't fail because they try and it doesn't work out. They fail because they don't try at all." "Mistakes are the tuition we pay for the privilege of learning." "If you're not making mistakes, you're not making decisions." Episode references: Mindset: The New Psychology of Success: https://www.amazon.com/Mindset-Psychology-Carol-S-Dweck/dp/0345472322 The Lean Startup: https://www.amazon.com/Lean-Startup-Entrepreneurs-Continuous-Innovation/dp/0307887898 The War of Art: https://www.amazon.com/War-Art-Winning-Creative-Battle/dp/1936891026 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3735: Paula Pant explores how fear of mistakes often keeps us from making progress, revealing that the real cost lies not in failure but in inaction. She illustrates how reframing errors as stepping stones can unlock growth, resilience, and opportunities that perfectionism will always deny us. Read along with the original article(s) here: https://affordanything.com/one-critical-thing-holding-back/ Quotes to ponder: "Most people don't fail because they try and it doesn't work out. They fail because they don't try at all." "Mistakes are the tuition we pay for the privilege of learning." "If you're not making mistakes, you're not making decisions." Episode references: Mindset: The New Psychology of Success: https://www.amazon.com/Mindset-Psychology-Carol-S-Dweck/dp/0345472322 The Lean Startup: https://www.amazon.com/Lean-Startup-Entrepreneurs-Continuous-Innovation/dp/0307887898 The War of Art: https://www.amazon.com/War-Art-Winning-Creative-Battle/dp/1936891026 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3735: Paula Pant explores how fear of mistakes often keeps us from making progress, revealing that the real cost lies not in failure but in inaction. She illustrates how reframing errors as stepping stones can unlock growth, resilience, and opportunities that perfectionism will always deny us. Read along with the original article(s) here: https://affordanything.com/one-critical-thing-holding-back/ Quotes to ponder: "Most people don't fail because they try and it doesn't work out. They fail because they don't try at all." "Mistakes are the tuition we pay for the privilege of learning." "If you're not making mistakes, you're not making decisions." Episode references: Mindset: The New Psychology of Success: https://www.amazon.com/Mindset-Psychology-Carol-S-Dweck/dp/0345472322 The Lean Startup: https://www.amazon.com/Lean-Startup-Entrepreneurs-Continuous-Innovation/dp/0307887898 The War of Art: https://www.amazon.com/War-Art-Winning-Creative-Battle/dp/1936891026 Learn more about your ad choices. Visit megaphone.fm/adchoices

"The reports of my death," he said, "are greatly exaggerated." Trump reacts to the Labor Day rumors and more.Then financial guru Paula Pant, host of "Afford Anything," talks to Dennis about tailoring your investment strategies to what you want.All that and the Parting Shot.

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

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

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3244: Paula Pant challenges the common obsession with income by shifting the focus to what truly matters: how much of that income is retained and used wisely. Her sharp analysis dismantles superficial financial comparisons and empowers listeners to focus on freedom, flexibility, and building wealth through mindful spending and investing. Read along with the original article(s) here: https://affordanything.com/how-much-does-she-earn/ Quotes to ponder: "Your income is not your wealth. Your income is not your freedom." "Don't focus on how much someone earns. Focus on how much they keep." "The true measure of wealth is how long you can live without needing to earn another dollar." Episode references: Early Retirement Extreme: https://earlyretirementextreme.com The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Mr. Money Mustache: https://www.mrmoneymustache.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3244: Paula Pant challenges the common obsession with income by shifting the focus to what truly matters: how much of that income is retained and used wisely. Her sharp analysis dismantles superficial financial comparisons and empowers listeners to focus on freedom, flexibility, and building wealth through mindful spending and investing. Read along with the original article(s) here: https://affordanything.com/how-much-does-she-earn/ Quotes to ponder: "Your income is not your wealth. Your income is not your freedom." "Don't focus on how much someone earns. Focus on how much they keep." "The true measure of wealth is how long you can live without needing to earn another dollar." Episode references: Early Retirement Extreme: https://earlyretirementextreme.com The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Mr. Money Mustache: https://www.mrmoneymustache.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3244: Paula Pant challenges the common obsession with income by shifting the focus to what truly matters: how much of that income is retained and used wisely. Her sharp analysis dismantles superficial financial comparisons and empowers listeners to focus on freedom, flexibility, and building wealth through mindful spending and investing. Read along with the original article(s) here: https://affordanything.com/how-much-does-she-earn/ Quotes to ponder: "Your income is not your wealth. Your income is not your freedom." "Don't focus on how much someone earns. Focus on how much they keep." "The true measure of wealth is how long you can live without needing to earn another dollar." Episode references: Early Retirement Extreme: https://earlyretirementextreme.com The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Mr. Money Mustache: https://www.mrmoneymustache.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Think negotiation is just for boardrooms and car dealerships? Think again. In this episode, we bring in Paula Pant from Afford Anything to show how negotiating—done well—can level up your finances, your relationships, and yes, even who does the dishes. Paula breaks down why many of us fear negotiation, how to overcome those internal roadblocks, and how setting clear “aspiration” and “reservation” points can lead to more confident conversations (and better outcomes). Whether you're asking for a raise or trying to avoid unloading the dishwasher for the fifth night in a row, her tactics are practical and empowering. Also in this episode: What most people miss about their workplace retirement plans, and whether adding a managed account is the edge you've been missing A viral TikTok proposal on setting your kids up for millions—can it really work, or is it just social media smoke? Doug delivers trivia and 1970s television references like only he can And we remember a cherished interview, David Gergen This episode is packed with useful strategies, real talk, and a few basement detours—including mafia negotiations, Lucille Ball's business savvy, and a heated debate over nostalgic TV shows. Whether you're trying to grow your wealth, negotiate more confidently, or just dodge financial TikTok traps, we've got something in here for you. FULL SHOW NOTES: https://stackingbenjamins.com/how-to-improve-your-negotiating-skills-with-paula-pant-1718 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

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3671: Paula Pant challenges the myth that willpower is the key to success, revealing how environment, systems, and identity play a far greater role in shaping our behavior. By understanding the limits of willpower, listeners gain tools to design a life where success becomes automatic, not forced. Read along with the original article(s) here: https://affordanything.com/willpower-is-not-enough/ Quotes to ponder: "Willpower is like a muscle, it fatigues with overuse." "Don't rely on self-control alone. Design your environment so the default choices are the right ones." "Your identity shapes your habits. And your habits reinforce your identity." Episode references: The Power of Habit: https://charlesduhigg.com/the-power-of-habit/ Switch: https://heathbrothers.com/books/switch/ Willpower: Rediscovering the Greatest Human Strength: https://www.amazon.com/Willpower-Rediscovering-Greatest-Human-Strength/dp/0143122231 Atomic Habits: https://jamesclear.com/atomic-habits Learn more about your ad choices. Visit megaphone.fm/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.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3671: Paula Pant challenges the myth that willpower is the key to success, revealing how environment, systems, and identity play a far greater role in shaping our behavior. By understanding the limits of willpower, listeners gain tools to design a life where success becomes automatic, not forced. Read along with the original article(s) here: https://affordanything.com/willpower-is-not-enough/ Quotes to ponder: "Willpower is like a muscle, it fatigues with overuse." "Don't rely on self-control alone. Design your environment so the default choices are the right ones." "Your identity shapes your habits. And your habits reinforce your identity." Episode references: The Power of Habit: https://charlesduhigg.com/the-power-of-habit/ Switch: https://heathbrothers.com/books/switch/ Willpower: Rediscovering the Greatest Human Strength: https://www.amazon.com/Willpower-Rediscovering-Greatest-Human-Strength/dp/0143122231 Atomic Habits: https://jamesclear.com/atomic-habits Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3671: Paula Pant challenges the myth that willpower is the key to success, revealing how environment, systems, and identity play a far greater role in shaping our behavior. By understanding the limits of willpower, listeners gain tools to design a life where success becomes automatic, not forced. Read along with the original article(s) here: https://affordanything.com/willpower-is-not-enough/ Quotes to ponder: "Willpower is like a muscle, it fatigues with overuse." "Don't rely on self-control alone. Design your environment so the default choices are the right ones." "Your identity shapes your habits. And your habits reinforce your identity." Episode references: The Power of Habit: https://charlesduhigg.com/the-power-of-habit/ Switch: https://heathbrothers.com/books/switch/ Willpower: Rediscovering the Greatest Human Strength: https://www.amazon.com/Willpower-Rediscovering-Greatest-Human-Strength/dp/0143122231 Atomic Habits: https://jamesclear.com/atomic-habits Learn more about your ad choices. Visit megaphone.fm/adchoices

Is your house full of stuff you thought you needed… but haven't touched since the Obama administration? In this game show-style episode, we're helping you clean house and bulk up your bank account at the same time. Joining Joe in the basement are Paula Pant from Afford Anything, OG, and the man, the myth, the TikTok-famous legend's grandpa's best friend: Len Penzo (or as Doug calls him, “America's Most Unexpected Influencer”). Together, they go head-to-head in a raucous showdown, each offering hot takes on everyday items you should stop buying if you want to save money and ditch the clutter. We dig into: Why some exercise equipment becomes expensive coat racks The hidden costs of seasonal decorations Periodicals, subscriptions, and other budget vampires And a few “who knew?” items that quietly drain your cash You'll also get a dose of trivia, debates about Google's "search decay," and a few personal stories that might sound a little too familiar. Whether you're decluttering your budget or just here for the basement chaos, this episode is full of laughs, lightbulb moments, and ideas to help streamline your spending. FULL SHOW NOTES: https://stackingbenjamins.com/decluttering-your-financial-life-greatest-hits-1707 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

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3187: Paula Pant unpacks the surprising realities behind auto loans and credit scores, showing why taking on debt just to improve your credit can backfire. With clear insights into how credit scores are calculated, she explains smarter, debt-free ways to boost your score without falling into the trap of unnecessary borrowing. Read along with the original article(s) here: https://affordanything.com/will-getting-car-loan-improve-credit-score-heck/ Quotes to ponder: "Debt should be used to solve problems, not to game a number." "The credit score was never designed to be a symbol of financial success." "A credit score is a measure of how good you are at managing borrowed money, not how wealthy or financially responsible you are." Episode references: Annual Credit Report: https://www.annualcreditreport.com/index.action Consumer Financial Protection Bureau - Understanding credit scores: https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-score-en-315/ MyFICO: https://www.myfico.com/credit-education/credit-scores Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3187: Paula Pant unpacks the surprising realities behind auto loans and credit scores, showing why taking on debt just to improve your credit can backfire. With clear insights into how credit scores are calculated, she explains smarter, debt-free ways to boost your score without falling into the trap of unnecessary borrowing. Read along with the original article(s) here: https://affordanything.com/will-getting-car-loan-improve-credit-score-heck/ Quotes to ponder: "Debt should be used to solve problems, not to game a number." "The credit score was never designed to be a symbol of financial success." "A credit score is a measure of how good you are at managing borrowed money, not how wealthy or financially responsible you are." Episode references: Annual Credit Report: https://www.annualcreditreport.com/index.action Consumer Financial Protection Bureau - Understanding credit scores: https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-score-en-315/ MyFICO: https://www.myfico.com/credit-education/credit-scores Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3187: Paula Pant unpacks the surprising realities behind auto loans and credit scores, showing why taking on debt just to improve your credit can backfire. With clear insights into how credit scores are calculated, she explains smarter, debt-free ways to boost your score without falling into the trap of unnecessary borrowing. Read along with the original article(s) here: https://affordanything.com/will-getting-car-loan-improve-credit-score-heck/ Quotes to ponder: "Debt should be used to solve problems, not to game a number." "The credit score was never designed to be a symbol of financial success." "A credit score is a measure of how good you are at managing borrowed money, not how wealthy or financially responsible you are." Episode references: Annual Credit Report: https://www.annualcreditreport.com/index.action Consumer Financial Protection Bureau - Understanding credit scores: https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-score-en-315/ MyFICO: https://www.myfico.com/credit-education/credit-scores Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode we answer emails from Isaiah, Jack, Jon and Luke.  We discuss preliminary transition issues and de-risking, Jack's "25 x 4" risk parity style portfolio, Invictus and similar themes, treasury bonds and gold as co-diversifiers and ESG funds.  And revel on how we Tom Sawyer'ed Paula Pant into creating a nice 'Risk Parity Portfolio Blueprint" for us.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.To donate to the Top of the T-Shirt campaign and double your fun, please visit the Father McKenna Center donation page and note "Risk Parity Radio Match" when making your contribution.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterAfford Anything Podcast Episode:  #618: How to Retire at 50 While Supporting Aging Parents, with Frank Vasquez - Afford AnythingPaula Pant's Risk Parity Radio Blueprint:  Frank Vasquez Risk Parity Portfolio Giveaway.docxClaudia Moise Paper:  Flights to Safety, Volatility Risk, and Monetary Policy by Claudia E. Moise :: SSRNProfessor Aswath Damodaran on ESG Funds:  The Difficult Truth about ESG Investing with Aswath DamodaranFRDM Fund:  FRDM – Freedom 100 Emerging Markets ETF – ETF Stock Quote | MorningstarBreathless AI-bot Summary:What happens when retirement portfolio theory meets real-life investment challenges? In this illuminating episode of Risk Parity Radio, Frank Vasquez responds to listener questions that cut to the heart of creating resilient, diversified portfolios for financial independence.A military member with six years left before retirement asks how to transition from a heavy equity allocation to a risk parity approach without triggering unnecessary tax consequences. Frank offers practical guidance on using existing retirement accounts to begin de-risking immediately, demonstrating how macro allocation principles can work within institutional constraints. The advice highlights a crucial lesson: reducing overall market exposure takes precedence over perfecting individual asset selections.The psychological challenges of portfolio construction take center stage when a medical professional shares his "25 by 4" portfolio, showing equal allocations to large cap blend, small cap value, gold, and intermediate treasuries. While validating the approach, Frank addresses the emotional resilience needed when certain assets inevitably underperform for extended periods. This conversation exposes a troubling disconnect between certified financial planning education and practical portfolio construction, particularly regarding gold's vital diversification benefits.Misconceptions about long-term treasury bonds receive special attention, with Frank explaining why their value in risk parity portfolios transcends historical performance during falling interest rates. Their tendency to show negative correlation with stocks during recessions provides the portfolio protection that enables sustainable withdrawal strategies.For those interested in values-based investing, Frank challenges the notion that commercial ESG products truly align with personal ethics. His recommendatSupport the show

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

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3617: Paula Pant invites us to stop living on autopilot and start living with purpose by asking just two powerful questions. With gentle honesty and minimalist wisdom, she shows how aligning our daily actions with our true desires can bring clarity, joy, and deeper fulfillment, without judgment or complexity. Read along with the original article(s) here: https://affordanything.com/fixed-rate-mortgage-is-always-the-best-choice/  &  https://affordanything.com/to-do-more-do-less/ Quotes to ponder: "What do I truly desire? What is standing in my way?" "Rearranging your life so that it more closely reflects your priorities shouldn't be a struggle." "True simplicity calls us into a space of radical honesty, asking us to examine the way we have been living and contrast that with the way we want to be living." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3617: Paula Pant invites us to stop living on autopilot and start living with purpose by asking just two powerful questions. With gentle honesty and minimalist wisdom, she shows how aligning our daily actions with our true desires can bring clarity, joy, and deeper fulfillment, without judgment or complexity. Read along with the original article(s) here: https://affordanything.com/fixed-rate-mortgage-is-always-the-best-choice/  &  https://affordanything.com/to-do-more-do-less/ Quotes to ponder: "What do I truly desire? What is standing in my way?" "Rearranging your life so that it more closely reflects your priorities shouldn't be a struggle." "True simplicity calls us into a space of radical honesty, asking us to examine the way we have been living and contrast that with the way we want to be living." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3617: Paula Pant invites us to stop living on autopilot and start living with purpose by asking just two powerful questions. With gentle honesty and minimalist wisdom, she shows how aligning our daily actions with our true desires can bring clarity, joy, and deeper fulfillment, without judgment or complexity. Read along with the original article(s) here: https://affordanything.com/fixed-rate-mortgage-is-always-the-best-choice/  &  https://affordanything.com/to-do-more-do-less/ Quotes to ponder: "What do I truly desire? What is standing in my way?" "Rearranging your life so that it more closely reflects your priorities shouldn't be a struggle." "True simplicity calls us into a space of radical honesty, asking us to examine the way we have been living and contrast that with the way we want to be living." Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, we're getting deep (like, basement-deep) into what it means to flourish. Join Joe, OG, Paula Pant, and special guest Ryan Doolittle as they unpack a brand-new study on happiness. Spoiler: it's not just about stacking cash. From the influence of childhood experiences to the surprising power of community, autonomy, and faith, this episode asks whether true wealth is more emotional than numerical. Plus, Ryan shares his adventures from his new series Try and Ryan—where he road-tests hobbies that might just add meaning to your retirement (and your Tuesdays). What we're exploring in the basement:

Childhood crushes can bloom into full-blown FI fairy tales, and Paul and Amanda Mollenkopf are living proof. They join us to tell their story and showcase the world premiere of Paul's first book, ‘Once Upon a FI.' What started out as letters to his daughter grew into a delightful collection of short stories inspired by timeless classics and fables. The book is a refreshing approach to spreading the message of financial independence to even the youngest readers. The clever analogies using classic tales inspire valuable generational conversations around money and include: The Tortoise and the Hare: A Race to Financial Independence The Odd Duckling: Finding the Like-Minded Jack and the Beanstalk: Magic Cards that Sprout Growing Debt The Boy Who Cried Wealth: A Lesson in Stealth Wealth The Three Little Pigs: Getting a Straw, Sticks or Bricks Mortgage Chicken Little: The Market is Falling A Spending Carol: The Spirits of Spending Past, Present and Future Oh, The Places You'll Go: The Things that You'll Do, with FI Community standing by You  

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3152: Paula Pant shares how long-term, global travel can be surprisingly attainable, not just for the wealthy, but for anyone willing to rethink their financial priorities. By breaking down the cost of international living and comparing it to typical expenses back home, she reveals how travel can actually be more affordable than staying put. Read along with the original article(s) here: https://affordanything.com/how-can-you-afford-to-travel-the-world/ Quotes to ponder: "You don't need to be rich to travel the world. You just need to spend in alignment with your values." "The cost of travel is often less than the cost of staying in one place." "When you travel long-term, you avoid the biggest costs: round-trip airfare and short-term lodging." Episode references: Lonely Planet Travel Guides: https://www.lonelyplanet.com Numbeo Cost of Living Comparison: https://www.numbeo.com/cost-of-living/ The 4-Hour Workweek: https://www.amazon.com/4-Hour-Workweek-Escape-Live-Anywhere/dp/0307465357 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3152: Paula Pant shares how long-term, global travel can be surprisingly attainable, not just for the wealthy, but for anyone willing to rethink their financial priorities. By breaking down the cost of international living and comparing it to typical expenses back home, she reveals how travel can actually be more affordable than staying put. Read along with the original article(s) here: https://affordanything.com/how-can-you-afford-to-travel-the-world/ Quotes to ponder: "You don't need to be rich to travel the world. You just need to spend in alignment with your values." "The cost of travel is often less than the cost of staying in one place." "When you travel long-term, you avoid the biggest costs: round-trip airfare and short-term lodging." Episode references: Lonely Planet Travel Guides: https://www.lonelyplanet.com Numbeo Cost of Living Comparison: https://www.numbeo.com/cost-of-living/ The 4-Hour Workweek: https://www.amazon.com/4-Hour-Workweek-Escape-Live-Anywhere/dp/0307465357 Learn more about your ad choices. Visit megaphone.fm/adchoices

What really moves the needle on your happiness—making more money or saving more of what you've got? This week, Joe Saul-Sehy and OG are joined by Paula Pant, Jesse Cramer, and the guy who still owes money on his Beanie Baby collection—Doug—for a roundtable filled with bold financial takes and even bolder choices. It's a rapid-fire round of “either-or” dilemmas, and while nobody gets voted off the island, a few sacred cows are gently tipped over. Should you max out your retirement account or finally slay your student loans? Ditch credit cards for cash? Bet your future on crypto or keep it stuffed in a fireproof mattress? Our panel debates these decisions and shares real-life stories of what's worked—and what's blown up like a microwaved burrito. Of course, it wouldn't be The Stacking Benjamins Show without a detour or two: we dig into financial hoarding (how many dusty envelopes is too many?), reveal why your credit score might be your best frenemy, and serve up some vintage airplane trivia, just to keep things classy. So whether you're team "Earn More" or team "Cut Back," this episode delivers the kind of guidance that helps you feel a little more confident making your next money move—even if it's just saying no to another financial “shortcut.” Topics covered include: Why more income might not be the golden ticket The case for ditching your credit card (and why that makes Doug twitchy) Saving vs. investing vs. spending like you're already retired What financial hoarding reveals about your mindset Index funds vs. individual stocks: which one should get your long-term commitment? The never-ending crypto debate (now with 12% more existential dread!) How obsessing over your credit score may or may not ruin your weekend If you're figuring out how to balance today's latte with tomorrow's freedom—or you just want to feel smarter about money than your cousin Gary who “invests in vibes”—this one's for you. And remember, no matter how much you earn or save, the real ROI is tuning in with the Stackers each week. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1681: Paula Pant sheds light on a common entrepreneurial pitfall: mistaking personal compensation for business profit. She urges small business owners to distinguish between their role as an investor and as a worker, emphasizing that true profit is what remains after paying yourself a fair wage, not the leftover after expenses minus unpaid labor. Read along with the original article(s) here: https://affordanything.com/make-a-profit-after-paying-yourself/ Quotes to ponder: "Profit after paying yourself!" "I can't value my time at $0, value someone else's time at a rate that's greater than $0, and make an apples-to-apples comparison between the two." "Don't take business lessons from the IRS." Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode I speak with Paula Pant, founder of the Afford Anything media platform. Paula is an expert in personal finance and economics. We discuss the philosophy of intentional living, the importance of resilience in career transitions, and the shift from a financial scarcity mindset to one of abundance.  Paula shares her journey from working for a newspaper to building the successful media platform Afford Anything, emphasizing the significance of personal development and understanding human behavior in financial decision-making. We explore financial flexibility, particularly for doctors facing burnout and financial challenges. We delve into productivity habits and the significance of having a voice in personal finance discussions, ultimately highlighting how financial health provides choices in life. A few highlights Voluntary career transitions can lead to tremendous growth despite initial uncertainty Taking action is the greatest affirmation of progress and success Doctors face unique financial challenges due to late starts and high student debt Aggressive contributions are crucial for late starters in retirement planning Financial education should be prioritized in schools  Website: https://affordanything.com/ Podcast: Afford Anything on Apple YouTube: https://www.youtube.com/@affordanything If you enjoy the show, please leave a ⭐⭐⭐⭐⭐ rating on Apple or a

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3120: Paula Pant challenges extreme attitudes toward debt, showing how both blind borrowing and rigid debt aversion can hurt your financial future. With a nuanced perspective, she explores how strategic debt, particularly in education, can lead to massive returns, but only if you carefully evaluate the risks, opportunities, and real-life trade-offs. Read along with the original article(s) here: https://affordanything.com/debt-is-a-good-thing/ Quotes to ponder: "Both attitudes will make you poor." "It's much easier to get in debt than it is to get out." "Your house is a lousy investment. But a student loan has the potential to provide amazing returns." Episode references: Georgetown University Report on College ROI: https://cew.georgetown.edu/cew-reports/the-college-payoff/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Feeling anxious about where your money's going? You're not alone—and you're not without a plan. In today's episode, Joe is joined by OG, Mom's neighbor Doug, and two sharp minds from the personal finance world: Paula Pant from Afford Anything and Dr. Jordan Grumet from Earn and Invest. Together, they take a deep dive into the many faces of investment risk, from the obvious to the overlooked. Because when it comes to your financial future, the real danger isn't just volatility—it's misunderstanding the terrain. Whether you're dipping a toe into international markets, piling into real estate, or wondering if your long-term plan can survive a little inflation, this episode will help you better understand the risks that matter—and avoid the ones that don't.

Is good debt a myth? Should we all chase FIRE? The basement panel weighs in. In today's Financial Concepts Friday roundtable, Joe brings the basement crew together for a lively “In or Out” debate on some of the most polarizing personal finance topics out there. Are we in or out on the idea of “good debt”? Do budgets really matter when you're just starting out? Should you talk about money with your friends and family… or is that still taboo? Joining Joe are three financial thinkers who aren't afraid to stir the pot: Paula Pant from Afford Anything Jesse Cramer from The Personal Finance for Long Term Investors Show OG from our own basement think tank (and planning headquarters) Together, they dig into: Whether any debt can actually be considered good If living without a budget is a fast track to financial regret—or freedom The upside (and awkwardness) of open money conversations How FIRE goals like retiring by 35 sound… and feel, once you really unpack them Plus, Mom's neighbor Doug drops by with a trivia challenge that'll have you laughing (and maybe yelling at your speaker). And of course, we wrap up with reflections that'll leave you both entertained and a little bit wiser. So grab a LaCroix from the mini fridge and join us in the basement—this one's packed with laughs, insights, and hot takes on cold, hard cash. FULL SHOW NOTES: https://stackingbenjamins.com/personal-finance-most-controversial-questions-1665 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 fallen for an investment that seemed like a sure thing... until it wasn't? You're not alone. Today, we shine a light on some of the worst investment advice out there—and help you steer clear of it. Joining Joe at the roundtable are: Paula Pant from Afford Anything Jesse Cramer from Personal Finance for Long-Term Investors And Don McDonald, financial pro and former astronaut (not really, but just go with it) from Talking Real Money. Infinite banking and other shiny traps – What sounds like genius often comes with fine print you'll wish you'd read. Penny stocks and the illusion of easy money – Spoiler: if it feels like a shortcut, it's probably a detour. Equity-indexed annuities and their slick sales tactics – When someone tells you there's “no downside,” maybe run. Gut feelings vs. data – The panel weighs in on trusting instincts vs. trusting actual math. Teachers and 403(b) plans – A quick peek behind the curtain at one of the most overlooked problem areas in personal finance. How not to invest – A rundown of red flags and hard-won wisdom from people who've seen the worst up close. Meanwhile, Doug brings the trivia thunder with a question about sitcom salaries—and things quickly go from Big Bang to big bucks. Whether you've made a misstep or are just trying to avoid one, this episode will help you tune out the noise, spot the nonsense, and build a smarter, more resilient investment plan. FULL SHOW NOTES: https://stackingbenjamins.com/our-least-favorite-investments-1662 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 episode we are joined by Paula Pant of the Afford Anything Podcast and community member Paul Lambert. We discuss an article from the Atlantic about the current administration's plan for a strategic cryptocurrency stockpile and reserve. Good or bad? Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2918: Paula Pant challenges the common mindset of scarcity and limitations, advocating for financial freedom as the ultimate luxury. By shifting from "I can't afford it" to "How can I make this happen?" she demonstrates how prioritization, mindful spending, and an adventurous spirit can create the life you truly want. Financial independence isn't reserved for the wealthy, it's a mindset and a choice. Read along with the original article(s) here: https://affordanything.com/the-afford-anything-goal/ Quotes to ponder: "You CAN afford anything. You can't afford everything, but you can afford anything." "Rich is an attitude. It's a core belief. It's a confidence, a faith, that's not correlated to any bank balance." "The best thing money can buy - is TIME." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3075: Conventional financial wisdom doesn't always apply universally. The article challenges common money advice by exploring real-life examples where “bad” financial decisions - like keeping a mortgage instead of paying it off early - led to positive outcomes. By highlighting the importance of context, adaptability, and personal financial goals, it encourages readers to think critically rather than blindly following mainstream advice. Read along with the original article(s) here: https://affordanything.com/2013/05/21/bad-financial-advice-but-it-worked-for-me Quotes to ponder: "This is why I distrust financial guidelines that assume one-size-fits-all." "Just because it worked for one person doesn't mean it will work for everyone." "People have different risk tolerances, personalities, and opportunities." Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever felt overwhelmed by buying a car or managing your time? You're not alone. Today, we tackle both topics with expert insights and a few unexpected surprises along the way. Car buying decoded – Joe sits down with Phil Reed, Senior Consumer Editor at Edmunds, to break down the best strategies for buying new or used cars, leasing vs. buying, and negotiating with dealers like a pro. The ultimate time management playbook – Paula Pant, Dominique Brown, and returning guest Carrie Smith share real-world productivity hacks—whether you're self-employed, working 9-to-5, or just trying to make better use of your day. Avoiding social media missteps at work – The team dives into the do's and don'ts of posting while employed. Email overload? Phone calls running your life? – Smart strategies to take control of your inbox and stop wasting time on endless calls. Celebrity wealth secrets and entertainment picks – Because financial wisdom can come from surprising places. A roadside hawk encounter?! – An unexpected story that proves you never know what's coming next. With practical advice, engaging discussions, and a few twists you won't see coming, this episode packs in everything you need to take control of your finances and your time—without taking life too seriously. Learn more about your ad choices. Visit podcastchoices.com/adchoices

If disaster struck tomorrow, would your financial essentials be ready to grab and go? Today, Joe—along with contributors Paula Pant from Afford Anything, Jesse Cramer from Personal Finance for Long-Term Investors, and our resident expert OG—assemble the ultimate financial go bag. Meanwhile, Doug handles his usual duties as announcer, trivia master, and general chaos instigator. The must-have documents – Passports, Social Security cards, insurance policies... what belongs in your bag, and what can stay in the filing cabinet? Cash vs. digital access – How much should you keep in physical cash? And is gold really a smart emergency asset, or just a really heavy way to slow yourself down? Estate planning and emergency preparedness – The financial moves today that can make a crisis less stressful later. Password managers: genius or a liability? – We debate whether your digital keys should be stored in the cloud, on paper, or tattooed in invisible ink. Trivia showdown: Doug tests the team's knowledge with a question that (probably) has nothing to do with financial preparedness. Campus co-op stores and Harvard history—why are we talking about this? You'll find out. If you've been meaning to get your financial house in order for emergencies, this episode has everything you need to build your own financial go bag—without overpacking. FULL SHOW NOTES: https://stackingbenjamins.com/your-financial-go-bag-1650 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

Is it time to break up with international stocks? They've been underperforming U.S. markets for years, so should we finally call it quits, or is there still hope for a global comeback? On today's episode, Joe, OG, Paula Pant, and Jesse Cramer dig into the great international investing debate. Are international funds a lost cause? The panel unpacks why they've lagged U.S. stocks and whether diversification still makes sense. Beyond stocks: Exploring other asset classes—private equity, real estate, commodities, and collectibles (because who doesn't want to invest in Beanie Babies and vintage lunchboxes?). The $3 coin mystery: Yep, that was a thing. And yes, it's as weird as it sounds. Election results and wooden nickels: The intersection of money, history, and questionable currency choices. Weekend plans and podcast highlights: Because investing is important, but so is having fun. Of course, it wouldn't be a Stacking Benjamins episode without some friendly debate, expert insights, and the occasional off-the-wall tangent. Tune in for a laid-back but insightful conversation on making smart investment decisions! FULL SHOW NOTES: https://stackingbenjamins.com/is-international-investing-dead-1647 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

Is automating your finances the key to effortless money management, or a one-way ticket to financial autopilot disaster? Paula Pant, Jesse Cramer, and Doc G join us to navigate the fine line between automation genius and accidental money mayhem. Done right, automation saves you time and stress. Done wrong? You might be funding a forgotten gym membership for the next five years.