Podcasts about Personal finance

Africa Melane speaks to Citadel Advisory Partner Elelwani Ravele on why South Africans should treat their personal finances like a business, focusing on disciplined behaviour, cash flow management and long-term strategy to build and protect wealth in a tough economic climate. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from Early Breakfast with Africa Melane For more about the show click https://buff.ly/XHry7eQ and find all the catch-up podcasts here https://buff.ly/XJ10LBU Listen live on weekdays between 04:00 and 06:00 (SA Time) to the Early Breakfast with Africa Melane broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3N Subscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

One day you're comparing Roth IRA options. The next you're helping Mom navigate long-term care paperwork, fighting with a bank over a power of attorney document, and wondering how anyone manages all this without losing their sanity.Welcome to the world of financial caregiving.Today, certified financial planner and financial journalist Beth Pinsker joins us to share the lessons she learned while helping manage her mother's finances during a health crisis. From powers of attorney that don't always work when you need them to the surprising warning signs that an aging parent may need help, Beth offers practical advice every family should hear before an emergency arrives.Then in our headline segment, a blast from the financial past: unconventional mortgages are making a comeback. Are these products helping qualified borrowers who don't fit the traditional mold—or are we seeing early warning signs of the next lending problem?Plus, Doug celebrates the legacy of Ray Charles with today's trivia challenge.In Today's EpisodeWhy financial caregiving is far more complicated than most families expectThe paperwork Beth wishes she'd completed before her mother's medical emergencyHow power of attorney works—and why it may not work as smoothly as you thinkWarning signs that a parent may be struggling financially or cognitivelyThe surprising problems created by passwords, two-factor authentication, and modern banking systemsWhy trusted contacts, healthcare proxies, and emergency document folders matterCommon family conflicts that emerge during caregiving and estate settlementWhether today's unconventional mortgages should worry homebuyersThe important differences between today's lending environment and 2008Ray Charles trivia from DougOur GuestBeth PinskerBeth Pinsker is an award-winning financial journalist, Certified Financial Planner™, and author of My Mother's Money: A Guide to Financial Caregiving. Through both her professional expertise and personal experience, Beth helps families prepare for the financial realities of caring for aging loved ones.Mentioned In Today's ShowMy Mother's Money: A Guide to Financial Caregiving by Beth PinskerLong-term care insuranceFinancial power of attorneyHealthcare proxy documentsTrusted contactsEstate planning basicsNon-conforming mortgagesRay CharlesDoug's TriviaWhich Ray Charles hit became an official state song?Better Call Saul...Sehy & OGWhat financial caregiving preparations have you already completed—and which ones are still sitting on your to-do list?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What if building wealth was exactly like building a house? In this episode of The How To Show, Gino Barbaro breaks down the five stages of building a financial house and explains why most people fail to create lasting wealth. Many people jump straight into investing, crypto, real estate, or business opportunities without first building a strong financial foundation. The result? Their financial house eventually crumbles. Using a simple yet powerful framework, Gino explains how true wealth is created through a step-by-step process that prioritizes stability, education, protection, cash flow, and legacy. Whether you're just beginning your financial journey or looking to strengthen your existing strategy, this episode provides a roadmap for building wealth that lasts. What You'll Learn • The difference between being rich and being wealthy • Why financial foundations matter more than investments • How to build financial stability before taking risks • The role of cash flow, investing, and asset protection • How to create long-term and generational wealth • The 5 stages of building a financial house Timestamps 00:00 Introduction: Rich vs Wealthy 01:30 Why Most People Build Wealth Wrong 04:20 Stage 1: Financial Foundation 10:05 Stage 2: Building Your Financial Framework 16:15 Stage 3: Protecting Your Wealth 19:20 Stage 4: Creating Cash Flow & Assets 26:50 The Maserati Mike Story 30:15 Stage 5: Legacy & Estate Planning 35:00 Financial House Assessment Exercise 39:15 Identify Your Weakest Wealth Stage 41:30 Wealth Building Action Steps 44:15 How to Build Generational Wealth 46:00 Final Takeaways & Closing Thoughts What to lear more about multifamily? Go to: https://wheelbarrowprofits.com/ We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Don and Tom examine the coming wave of blockbuster IPOs, including rumored offerings from SpaceX, Anthropic, and OpenAI, and explain why investor excitement often leads to disappointing results. Drawing on research from Dimensional Fund Advisors and examples such as Uber, Facebook, and Groupon, they discuss the historical underperformance of IPOs and the dangers of buying into hype. They then answer a listener's question about assets-under-management fees, explaining the broader planning, tax, behavioral, and retirement services provided by fiduciary advisors beyond portfolio construction. The episode concludes with a look at the growing number of highly speculative ETFs, including UFO-themed and meme-stock funds, and a warning that investors should focus on diversification and discipline rather than chasing the latest financial product.0:05 Summer IPO mania: SpaceX, Anthropic, OpenAI, and the hype machine1:24 SpaceX's massive valuation and why investors are excited3:05 Anthropic and OpenAI join the trillion-dollar IPO conversation4:29 Comparing today's IPO wave to the dot-com boom5:09 Why hot IPOs are usually a bad investment6:27 Dimensional research on IPO underperformance and liquidity concerns7:51 Uber, Facebook, Groupon, and other IPO cautionary tales8:50 Why even great companies can be poor investments at the wrong price9:45 Why disciplined firms delay adding IPOs to portfolios10:59 How to submit questions to Talking Real Money13:17 Listener question: Is a 1% AUM fee really worth it?15:20 What advisors actually do beyond portfolio management16:44 Vanguard's research on advisor value17:12 Why large portfolios shouldn't pay a flat 1% on all assets18:24 The emotional and behavioral benefits of professional advice20:29 How advisors help investors stay diversified21:45 The explosion of bizarre new ETFs22:49 UFO ETFs, meme-stock funds, and speculative product launches25:05 Why investors should be skeptical of niche ETFs and high feesQuestions? Comments? Click!

Advanced degrees are increasingly out of reach for many. Receiving financial aid has gotten more difficult too. Many schools are already rethinking how they support their graduate students. We'll get an update on financial aid and hear what some Connecticut institutions are doing to make their graduate programming more affordable and accessible. Guests: Emily Roberts: Financial Educator and Owner of Personal Finance for Ph.Ds Kymberly Pinder: Stavros Niarchos Foundation Dean of the Yale School of Art Jessica Blake: Federal policy reporter for Inside Higher Ed, based in Washington, D.C. Support the show: http://wnpr.org/donateSee omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Warren Ingram, financial adviser and do-founder of Galileo Capital, about why most South Africans have a credit score but don’t know their number or how it’s calculated. He explains why this number matters, from securing a home loan to determining interest rates and even rental approvals, and how, with a few deliberate habits, it can be significantly improved within a year. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Part 3 of 3

Most people plan their retirement like they control the date. The data says they don't. A new Society of Actuaries study found that 59% of retirees stopped working earlier than expected -- and for most of them, the decision wasn't theirs. Health setbacks, job loss, caregiving demands, and plain old job dissatisfaction all showed up before the spreadsheet said it was time. Joe and OG dig into what the numbers actually mean, who's most at risk, and the specific steps that create real flexibility before retirement finds you. OG and Anna follow with a full walkthrough of equity compensation -- RSUs, ESPPs, and stock options -- including the tax surprise that catches most people off guard.What You'll Walk Away WithWhy 59% of retirees left the workforce earlier than they planned -- and why only 6% left laterThe income gap nobody talks about: how high earners retire early mostly because they wanted to, while lower earners are pushed out by health and job lossWhy Coast FIRE math falls apart the moment your income stream stops before you planned -- and what that means for how aggressively you should be saving right nowThe one manager change that can end a 20-year career overnight -- and why keeping your network warm is one of the most underrated retirement prep moves availableThe 30-year mortgage paid like a 15-year analogy: why building financial margin now means retirement can happen on your terms, not someone else'sHow to prepare for the emotional side of early retirement -- including the identity shift, the relationship changes, and the pent-up demand that makes the first year unexpectedly wildRSUs versus stock options versus ESPPs: what each one actually means, how they're taxed differently, and why getting a grant without a strategy is the most expensive mistake in equity compThe 5-10% concentration rule: how much of your net worth should be tied to company stock -- and why your paycheck counts in that mathThe RSU tax trap: why your company withholds at 22% but you might actually owe 37% -- and why spending all your RSU money on a pool before April is a terrible ideaStacker Kiki's accountability letter: the complete list of what she's cutting, what she refuses to cut, and why the gamification of frugality is more powerful than white-knuckling itWhy This Matters NowYou may not get to choose your retirement date. But you do get to choose how prepared you are for the day it arrives. The people in this study who retired early by choice had one thing in common: they'd built enough margin that the choice was actually theirs.From the BasementJoe and OG dig into a USA Today piece on the surprising frequency of unplanned early retirement -- and what to do about it before the decision gets made for you. OG and Anna deliver episode five of their financial basics series with a full equity compensation walkthrough, including the tax withholding gap that sends people to April with surprise bills. Doug arrives with Mickey Mantle trivia. A community poll on how often Stackers check their portfolios during headlines produces results that are more honest than most people expected. Stacker Kiki writes a detailed letter about her intentional spending cuts, and OG quietly admits he's been burning through hotel shampoo samples all year.Resources MentionedSociety of Actuaries Retirement Risks Survey -- released May 2026; linked at stackingbenjamins.comUSA Today -- "Most of Us Retire Earlier Than Planned. Here Are the Top Reasons." by Daniel DeVise; linked at stackingbenjamins.comStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStacking Benjamins Scorecard -- stackingbenjamins.com/scorecardStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201; Kevin Bailey's hot take on this week's pieceStacking Benjamins YouTube channel -- full OG and Anna equity comp series; youtube.com/stackingbenjaminsStacking Benjamins BAD Groups -- meetups in Boston, Seattle, Twin Cities, Mankato, Tucson, and more; stackingbenjamins.com/badStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What if financial success has less to do with math and more to do with psychology? In this episode of Everything Is Personal, Len May sits down with Doug Lynam, whose life journey is anything but conventional. After serving in the Marines, Doug spent years as a Benedictine monk before becoming a successful financial advisor and author. Along the way, he discovered that our relationship with money is often driven by emotions, beliefs, and experiences we rarely recognize. Doug explains why financial decisions are rarely logical, how childhood experiences shape our money habits, and why many people unknowingly sabotage their own financial success. He explores the connection between wealth, identity, fear, purpose, and personal growth, offering a fresh perspective on what it truly means to build financial security. Whether you're an entrepreneur, investor, business owner, or simply trying to make better financial decisions, this conversation will challenge what you think you know about money. In this episode:

This evening, we unpack the day's market movements with PrimeXBT, hear more about navigating the disrupted supply chains with Omnia, share the cash improvement and strengthened regional markets with PPC, assess how the Fitch ratings boosts SA fiscal recovery with Econometrix, and in our Personal Finance segment, explore a wealth index that measures financial confidence with Franc SAfm Market Update - Podcasts and live stream

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You're making more money than you ever have. Your net worth on paper looks great. And yet somehow, there's still too much month left at the end of the money. Joe, OG, Paula Pant, and Jesse Cramer dig into why high earners feel financially squeezed -- and why the answer is almost never what you think it is. Spoiler: it's usually not the lattes, it's not too many accounts, and it might not even be a spending problem at all.What You'll Walk Away WithWhy lifestyle inflation doesn't feel like inflation -- it feels like deserved progress, and why that's exactly what makes it so hard to catchThe crucial difference between feeling like you didn't save enough and actually not saving enough -- and why OG's take on this is the most useful thing in the episodePaula's one big fixed cost audit: why making a single large decision beats constantly making small DoorDash decisionsWhy tracking your spending is the calorie counting of personal finance -- only useful short-term, but powerful for getting an honest snapshot before you make any changesThe paper wealth trap: why a high net worth and strong portfolio can coexist with genuinely tight monthly cashflow and why people conflate themJesse's one-line-item challenge: find one thing on last month's credit card statement you wish you hadn't spent, cut it, and see what happens to your motivationWhy OG's advice to "just decide not to feel squeezed anymore" is less dismissive than it sounds -- and the number of times the actual math completely contradicted a client's feelingsThe boats conversation: why a good financial advisor's job isn't to tell you whether to buy the boat but to show you what it costs in terms of your actual goalsWhy comparing your savings rate to the FIRE community can make you feel terrible about saving an objectively impressive amount of moneyThe goal clarity test: if you can't articulate what you're saving toward in specific, time-bound, dollar-denominated terms, the squeezed feeling probably has nothing to do with your budgetWhy This Matters NowHousing, food, and transportation costs are genuinely higher. That part is real. But for a meaningful chunk of the people who feel financially squeezed, the math and the feeling are pointing in different directions. This episode is about figuring out which one you're actually dealing with -- and what to do differently once you know.From the BasementJoe, OG, Paula Pant, and Jesse Cramer work through the Wall Street Journal's reporting on why so many Americans feel financially squeezed even at high income levels -- and whether the problem is real, psychological, or both. OG is recording from a conference adjacent to Disney World and has opinions about wood delivery, boats, and people who feel bad about saving $87,000 a year. Paula gets the giggles. The trivia competition features a man who mowed Steve Wozniak's lawn and had the license plate to prove it. OG wins with suspicious precision. Ronald Wayne, who sold his 10% of Apple for $800 twelve days after founding the company, has a worse story than anyone on this podcast.Resources MentionedFinancial Samurai -- referenced for the lifestyle inflation quote; financialsamurai.comAfford Anything podcast -- Paula Pant; Joe joins most Tuesdays for listener Q&APersonal Finance for Long-Term Investors -- Jesse Cramer; current series: 14 risks in retirement, Charlie Munger inversion framework; two-part series now completeStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Cody Berman had the $80,000 corporate job straight out of college, the four-hour daily commute, and the career path everyone said he should want. He hated all of it. By 25, he was financially free -- not because he stumbled into crypto or built a unicorn startup, but because he obsessively maximized the gap between what he made and what he spent, tried 30 different side hustles until a few of them worked, and built a life around what he actually valued. His new book is called Retire by 30. This episode is the conversation behind it.What You'll Walk Away WithWhy the title Retire by 30 is deliberately misleading -- and what Cody says the book is actually aboutThe gap: why the spread between income and expenses matters more than your investment returns, especially at the beginningHow Cody's co-host Justin hit financial freedom at 30 without a single side hustle -- just strategic corporate moves, index funds, and a 75-80% savings rateThe house hacking math: why living in a multi-family property created a $3,000+ monthly swing compared to friends paying Boston rentWhat happened when Cody tried to sell Lauren on FIRE using a spreadsheet -- and the reframe that actually workedWhy the big three (housing, transportation, food) move the needle infinitely more than cutting lattes and canceling NetflixThe 30-side-hustle graveyard: which ones were the worst, which one was the most ridiculous, and the one breakout that still generates income todayPurple's story: how someone retired on $500,000 and now has $1.1 million without adding another dollar to the pileThe surprising thing financial freedom actually teaches you about yourself -- and why it's never a money problem after you hit the numberWhat AI is actually good at for personal finance -- and why the more you already know, the better its answers getWhy This Matters NowWhether you're 25 or 55, the math Cody lays out is the same: find the gap, protect the gap, invest the difference, and build a life you don't need to escape from. The age you start determines the timeline, not the framework. This episode is the one to send to anyone in their 20s who hasn't started -- and anyone in their 40s who thinks it's too late.From the BasementCody Berman joins Joe and OG -- who is recording from inside Hollywood Studios at Coach Con -- to walk through the Retire by 30 framework, the 30 side hustles he actually tried, and the case studies from the book that prove it works in wildly different ways. The USA Today AI financial advice headline gives OG a full platform to explain where AI is genuinely useful, where it confidently hallucinates IRS codes, and why it apparently tried to blackmail a corporate email server. Doug arrives with Trader Joe's trivia after discovering the hard way that cider contains alcohol. Stacker Molly gets her HYSA cleared of all charges.Resources MentionedRetire by 30 by Cody Berman -- retireby30book.com; also available wherever books are soldCody Berman -- Financial Independence Show podcast; co-hosted with JustinA Purple Life blog -- referenced as a case study; apurplelife.netUSA Today -- "Half of Americans get financial advice from AI, but is it any good?" by Daniel DeViseAcquired podcast -- recommended for Trader Joe's, Coca-Cola, and Mars episode deep divesThe College Investor with Robert Farrington -- referenced for prior AI financial advice accuracy testingStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Scorecard -- stackingbenjamins.com/scorecardStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins BAD Groups -- stackingbenjamins.com/badStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What if the blueprint for building wealth hasn't changed in over 5,000 years? In this episode, Gino Barbaro breaks down the timeless principles from one of the most influential personal finance books ever written: The Richest Man in Babylon. While most people believe wealth creation is complicated, involving stock picking, market timing, economic cycles, and advanced investing strategies, the truth is much simpler. The foundation of wealth starts with habits. In this episode, Gino walks through the famous "Seven Cures for a Lean Purse" and explains how they apply to modern investing, entrepreneurship, real estate, financial planning, retirement, and creating long-term generational wealth. Whether you're just beginning your financial journey or looking to strengthen your wealth-building foundation, this episode provides timeless principles that still work today. Timestamps 00:00 – The Wealth Blueprint That Has Worked for 5,000 Years 01:28 – The First Cure: Pay Yourself First 05:54 – The Second Cure: Control Your Spending 07:40 – The Third Cure: Make Your Money Multiply 10:33 – The Fourth Cure: Protect Your Wealth 12:23 – The Fifth Cure: Make Your Home a Profitable Investment 16:06 – The Sixth Cure: Ensure Future Income 17:40 – The Seventh Cure: Increase Your Ability to Earn 19:17 – Practical Wealth-Building Exercises 20:00 – Create a Budget and Track Your Spending 22:30 – Finding the Right Investment Vehicle 24:12 – Avoiding Lifestyle Inflation 26:10 – Open Your First Investment Account 28:00 – Why Financial Education Matters 29:05 – The Importance of Tracking Net Worth 30:05 – Final Thoughts on The Richest Man in Babylon This episode is brought to you by Wheelbarrow Profits. Want to learn how successful investors create passive income, build financial freedom, and scale their wealth through multifamily real estate? Visit Wheelbarrow Profits to access educational resources, training, coaching, and tools designed to help investors take control of their financial future. We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What happens after you reach Coast FIRE? For years, you save aggressively, maximize retirement accounts, and build wealth with one goal in mind: hitting your investment goal. But once you arrive at Coast FIRE—Coast to Financial Independence and Relax Early—a new question emerges: Now what? In this episode, we answer a thoughtful listener question from Richard, who has built a seven-figure net worth with his wife but feels stuck in a sales career that's wearing him down. We discuss how to actually act on Coast FIRE, the four career paths available after reaching the milestone, and how to use the financial strength you've built to create more freedom and margin in your life today. Then, we welcome back retirement expert Jesse Cramer to discuss an important and often-overlooked topic: Social Security benefits after divorce. We cover how spousal and survivor benefits work, eligibility requirements, common misconceptions, and what divorced spouses need to know when planning for retirement. What Coast FIRE really means beyond the calculators Four career paths to consider after reaching Coast FIRE Why more money isn't always the answer How to use your wealth to create more time freedom Social Security spousal benefits explained Social Security survivor benefits explained Divorce and Social Security eligibility rules Common Social Security claiming strategies for married couples Retirement planning considerations for divorced spouses RESOURCES Own Your Time: https://marriagekidsandmoney.com/book Coast FIRE Calculator: https://marriagekidsandmoney.com/coast-fire-calculator Personal Finance for Long-Term Investors Podcast: https://bestinterest.blog/podcast Leave a Voicemail: https://marriagekidsandmoney.com/voicemail Instagram: @marriagekidsandmoney LinkedIn: @AndyHillMKM CREDITS Host: Andy Hill Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices

Stephen Grootes speaks to Warren Ingram, financial adviser and co-founder of Galileo Capital,, about the upcoming tax filing season which opens on 1 July. Despite arriving at the same time every year, it often catches people off guard, so what should we be doing now to get prepared? The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Most DIY investors spend their energy optimizing investments. The wealthiest investors optimize systems. According to Vanguard, a great advisor can add roughly 3% to your portfolio -- not by picking better stocks, but by keeping you from wrecking what you already have and by making the boring structural decisions most people skip. Joe and OG walk through the return boosters that actually move the needle, none of which involve a single exotic investment. OG and Anna follow up with the retirement withdrawal sequence that turns a good tax strategy into a great one.What You'll Walk Away WithWhy staying invested is the single highest-return move available to most investors -- and the Wall Street Journal archive experiment that proves it better than any chartHow news addiction creates the three portfolio killers: panic selling, market timing, and the constant feeling that today is the day to make a moveWhy your investment policy statement is a shock absorber between your emotions and your account -- and why advisors often beat DIY investors not by picking better funds but by being harder to reach on bad daysAsset location: the quiet return booster that moves money into the right tax shelter without changing a single investmentWhy tax loss harvesting is widely marketed to the wrong people -- and who actually has a strong use case for itSocial Security timing as a portfolio decision: why "I don't have to decide today" is sometimes the most financially sophisticated answer availableThe sequence of return risk trap that turns retirement into a constant anxiety loop -- and the simple margin of safety that makes it irrelevantThe lightning round: concentrated stock, leverage, crypto yield products, options trading, rebalancing, and tax efficiency -- return or trouble?OG and Anna on the distribution ladder: how to sequence withdrawals from pre-tax, brokerage, and Roth accounts to minimize taxes in retirementWhat IRMAA is, why it shows up two years after the decision that caused it, and why Roth conversions need to happen in November -- not MarchWhy This Matters NowIf you've been dollar-cost averaging into index funds and calling it a day, this episode is the next conversation. The gap between a well-built system and a random pile of investments isn't measured in which funds you chose -- it's measured in taxes paid, sequence of returns survived, and whether you had a plan when everything felt uncertain.From the BasementJoe and OG dig into the return boosters that have nothing to do with picking better investments -- recorded while OG is already inside Hollywood Studios at 4 AM trying to figure out the Lightning Lane math. OG and Anna deliver episode four of their financial basics series with a full walkthrough of tax-efficient withdrawal sequencing, including the IRMAA trap, Roth conversion timing, and why the tax triangle you built in season one is the whole point. Doug arrives with Studebaker trivia. The community delivers an anonymous car buying post that may be the most actionable 200 words the basement has produced all year. And the Stacking Benjamins Inner Circle scam gets called out by name.Resources MentionedStacking Benjamins Scorecard -- stackingbenjamins.com/scorecard; free tool to evaluate your current financial positionStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStock Market Maestros episode -- linked at stackingbenjamins.com; on the habits of the world's best investorsStacking Benjamins YouTube channel -- youtube.com/stackingbenjamins; full OG and Anna basics seriesStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community (The Basement) -- stackingbenjamins.com/basementStacking Benjamins Meetups (BAD Groups) -- stackingbenjamins.com/BADSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 3580: Jeff Rose highlights practical financial lessons that can shape a more secure future, from understanding credit scores and investing early to recognizing the value of entrepreneurship. Through relatable examples and simple explanations, he shows how small financial decisions made young can compound into long-term wealth and opportunity. Read along with the original article(s) here: https://www.goodfinancialcents.com/7-personal-finance-lessons-wish-everyone-learned-high-school/ Quotes to ponder: "Your credit score is an important part of your overall financial health, and it can make a huge difference in how you manage your finances as an adult." "I believe the earlier we teach students about financial basics, the better off they'll be." "When people don't know better, they don't do better." Episode references: Fidelity Investments: https://www.fidelity.com/ Experian: https://www.experian.com/ TransUnion: https://www.transunion.com/ Vanguard: https://investor.vanguard.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 3580: Jeff Rose highlights practical financial lessons that can shape a more secure future, from understanding credit scores and investing early to recognizing the value of entrepreneurship. Through relatable examples and simple explanations, he shows how small financial decisions made young can compound into long-term wealth and opportunity. Read along with the original article(s) here: https://www.goodfinancialcents.com/7-personal-finance-lessons-wish-everyone-learned-high-school/ Quotes to ponder: "Your credit score is an important part of your overall financial health, and it can make a huge difference in how you manage your finances as an adult." "I believe the earlier we teach students about financial basics, the better off they'll be." "When people don't know better, they don't do better." Episode references: Fidelity Investments: https://www.fidelity.com/ Experian: https://www.experian.com/ TransUnion: https://www.transunion.com/ Vanguard: https://investor.vanguard.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 3579: Jeff Rose highlights the money lessons most people never learned in school but desperately need in adulthood, from understanding credit cards and budgeting to harnessing the power of compound interest. His practical examples show how small financial decisions early in life can shape long-term wealth, helping listeners avoid common mistakes and build smarter money habits from the start. Read along with the original article(s) here: https://www.goodfinancialcents.com/7-personal-finance-lessons-wish-everyone-learned-high-school/ Quotes to ponder: “Credit can be a useful tool when you're paying it back every month. However, interest on credit can work against you when you carry a heavy balance.” “As a financial advisor, I've seen far too many young people run up huge credit card balances early when they don't have a good understanding of how credit works.” “We need students to not only understand the power of compounding but to know how to take advantage when they can.” 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 3579: Jeff Rose highlights the money lessons most people never learned in school but desperately need in adulthood, from understanding credit cards and budgeting to harnessing the power of compound interest. His practical examples show how small financial decisions early in life can shape long-term wealth, helping listeners avoid common mistakes and build smarter money habits from the start. Read along with the original article(s) here: https://www.goodfinancialcents.com/7-personal-finance-lessons-wish-everyone-learned-high-school/ Quotes to ponder: “Credit can be a useful tool when you're paying it back every month. However, interest on credit can work against you when you carry a heavy balance.” “As a financial advisor, I've seen far too many young people run up huge credit card balances early when they don't have a good understanding of how credit works.” “We need students to not only understand the power of compounding but to know how to take advantage when they can.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Money Anxiety: From Family Lessons To The Money Habits We Lean On Money decisions are rarely just about math. Financial expert Lev Mandel explains how early family lessons, anxiety and repeated habits can shape the way people view money and approach these conversations, and why understanding those patterns can help build a healthier relationship with finances over time. Guest: Lev Mandel, financial expert, author, Money Is Weird. Host: Gary Price Producer: Amirah Zaveri Linktr.ee | Apple Podcasts | YouTube | SpotifyFacebook: @ViewpointsOnlineX: @viewpointsradioInstagram: @viewpointsradioFull ArchiveContact UsAffiliates & National Syndication Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Welcome to the final pre-summer episode of the recurring podcast "Trading Tips with Jim", where market predictions and investment strategies are shared. In Episode 23, we unpack the macroeconomic forces signaling a major shift from inflation to a potential period of heavy deflation. With AI driving unprecedented business efficiency and oil prices poised for a potential steep drop to $40, the global market is bracing for a dramatic change.In this episode, I walk you through my recent portfolio rebalancing. We discuss why I am taking profits on tech giants like NVIDIA and Tesla, and rotating into undervalued consumer stocks like Dollar General and American Airlines. We also look at the geopolitical factors pushing the US Dollar higher against the Euro, and what this means for European GDP and global markets moving forward.Finally, we will review my recent struggles with Bitcoin trend changes, and check in on the $1,000 challenge launched in 2024 where personal stock purchases are tracked publicly.Key Highlights:The Macro Outlook: The transition from a super-inflationary period to potential deflation.Tech & AI: The impact of AI efficiency on market valuations and why I exited NVDA and TSLA.The Consumer Shift: My three-step buying strategy behind DG, AAL, Starbucks, and Chipotle.Global Economy: The strengthening US Dollar versus European political and economic stagnation.Crypto Reality Check: Navigating Bitcoin's recent drop to $73,000.Portfolio Tracking: An update on the public $1,000 challenge tracking personal stock purchases.Disclaimer: As the Founder and CEO of the financial analysis platform Stockinvest.us, I remind all listeners that trading involves a high risk of losing money. Please speak with a financial advisor before buying or selling any securities. Do not base your investment decisions solely on this podcast.Investing, Stock Market, Trading Tips with Jim, Deflation, AI Stocks, NVIDIA, Tesla, Bitcoin, Oil Prices, Market Correction, Consumer Stocks, Stockinvest.us, Personal Finance, Trading Strategies, Business News

Money Anxiety: From Family Lessons To The Money Habits We Lean On Money decisions are rarely just about math. Financial expert Lev Mandel explains how early family lessons, anxiety and repeated habits can shape the way people view money and approach these conversations, and why understanding those patterns can help build a healthier relationship with finances over time. Guest: Lev Mandel, financial expert, author, Money Is Weird. Host: Gary Price Producer: Amirah Zaveri No Shade, No Standard: America's Heat Safety Gap As extreme heat intensifies, outdoor and factory workers are facing risks their jobs were never built to handle. With protections still varying by state, advocates are pushing for updated national standards on shade, water, rest and retaliation-free reporting. Guests:  Pamela Walaski, president, Board of Directors of the American Society of Safety Professionals Katelyn Parady, development and strategic programs liaison, National Council for Occupational Safety and Health Host: Marty Peterson Producer: Amirah Zaveri and Polly Hansen Linktr.ee | Apple Podcasts | YouTube | SpotifyFacebook: @ViewpointsOnlineX: @viewpointsradioInstagram: @viewpointsradioFull ArchiveContact UsAffiliates & National Syndication Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most of the financial decisions keeping you up at night are two-way doors. You can change them. You can undo them. The real one-way doors -- the decisions that actually lock you in -- are rarer than you think, and the problem is we're spending the same emotional energy on both. Joe, OG, Paula Pant, and Jesse Cramer take Simone Stolzoff's uncertainty framework from Wednesday and run it straight through real financial life: career changes, portfolio risk, entrepreneurial pivots, and the moment you finally flip the kill switch on something that isn't working.What You'll Walk Away WithThe one-way door versus two-way door framework applied to real decisions -- and why automating your savings contributions is the most underrated version of this ideaJesse's anchor: why life insurance changed everything about how he sleeps at night now that there are passengers in the car with himPaula's anchor: why avoiding debt entirely is the entrepreneurial version of keeping your burn rate survivable when revenue gets unpredictableOG's anchor: long-term belief in human ingenuity as a financial strategy -- and why short-term geopolitical noise is actually an opportunity for investors who aren't panickingWhy selling assets in a taxable brokerage account to cover business payroll is a two-way door -- until enough time passes and it quietly becomes a one-way doorThe kill criteria conversation: how Jesse built an 18-to-24-month runway into his career change before he ever made the leapWhy the Everest turnaround time is the most important financial planning concept most people have never applied to their own goalsOG's client story: when the right risk tolerance isn't the mathematically correct one -- it's the one that lets you sleep at night without calling your advisorPaula on the pivot strategy: keep iterating the broad direction until you find the product-market fit, because the version that works might look nothing like what you started withWhy a career shift becomes more of a one-way door the longer you wait -- and what Rocky Mark's electrical engineer to content creator question reveals about timingWhy This Matters NowThe worst financial decisions happen when people treat reversible choices as permanent ones and freeze -- or treat permanent choices as reversible and act too fast. This episode gives you a framework for telling the difference before the emotion hits, which is the only time it actually helps.From the BasementJoe, OG, Paula Pant, and Jesse Cramer take Simone Stolzoff's Wednesday framework and apply it to the messy real world of careers, portfolios, entrepreneurship, and retirement identity. The trivia competition takes a dramatic turn when OG margin calls Jesse on a Mount Everest question -- and the full margin call rule set gets read aloud for the first time in recorded history after Dottie in Wichita makes a call nobody wanted to receive. Jesse wins the point. OG loses one. The coalition closes the gap.Resources MentionedAfford Anything podcast -- Paula Pant; Joe joins most Tuesdays for listener Q&A; youtube.com/affordanythingPersonal Finance for Long-Term Investors -- Jesse Cramer's podcast; current series: 14 biggest risks in retirement, Charlie Munger-inspired inversion frameworkStacking Benjamins Wednesday episode -- "Why Uncertainty Is an Opportunity" with Simone Stolzoff; stackingbenjamins.comStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Making more money doesn't guarantee financial freedom. Today's guest explains what actually does.   If you've ever thought, “I make good money… so why do I still feel stressed about it?” — this episode is for you.   In this episode of Balanced, Beautiful & Abundant, Rebecca Whitman sits down with Andrew Giancola, host of The Personal Finance Podcast and founder of  Master Money .   Andrew teaches practical, proven strategies to help people build wealth, reduce financial anxiety, and create true financial freedom—not through hustle culture, but through intentional habits and smart systems.   Whether you're growing a business, building your next chapter, or simply want more peace around money, this conversation will help you create a stronger financial foundation.   ✨ In this episode, you'll learn:   • Why income is one of the biggest levers for creating wealth   • The exact order of operations for building financial freedom   • How to automate your finances and spend less time thinking about money   • Common mistakes even successful people make with wealth   • How to reduce financial stress and anxiety   • The difference between feeling wealthy and actually building wealth   • How to enjoy your life now while creating long-term security   • Small habits that create massive financial results over time   • What to focus on in the next 12 months to transform your finances   This episode is a reminder that abundance isn't just about earning more—it's about creating a life that feels aligned, peaceful, and financially empowered.  

The five highest global uncertainty readings since the 1980s have all occurred in the last five years. And yet the answer Wall Street keeps selling -- products that promise upside without downside -- is mathematically impossible and provably underperforms over time. Simone Stolzoff, author of How to Not Know, spent years studying how people, companies, and investors navigate uncertainty well. His findings are the opposite of what the financial industry is selling you right now.What You'll Walk Away WithWhy our tolerance for uncertainty is declining -- and the specific role smartphones and real-time data have played in making investors more anxious and worse at decision-makingThe anchor framework: how certainty in some areas of your life makes it dramatically easier to hold uncertainty in others -- and what that means for how you build a financial planThe Slack origin story -- how a gaming company at the peak of its success chose to shut down and pivot into the unknown, and what that teaches about staying open to what might emergeWhy Warren Buffett and the best venture capitalists actively seek uncertainty -- and how confusion between uncertainty and danger costs most investors real moneyThe kill criteria concept borrowed from mountain climbing -- and how pre-committing to rules before the emotion hits is the only reliable way to prevent catastrophic decisionsOne-way doors versus two-way doors: the Jeff Bezos framework for knowing when to agonize over a decision and when to just actWhy buffer ETFs are mathematically required to underperform broad index funds over time -- and the one question that exposes every "downside protection" pitch instantlyOG's case for looking at your portfolio as rarely as possible -- and the surprising thing that happened when he checked his mortgage balance after months awayWhy building a financial plan around your actual goals makes the daily market headlines genuinely irrelevant -- not as a coping strategy, but as a logical outcomeKathy's story: what a special education teacher who maxed her Roth IRA every year from 1998 to 2024 has in her account todayWhy This Matters NowMarkets will always be uncertain. Headlines will always be alarming. The question isn't how to make that stop -- it's how to build a life and a plan sturdy enough that it doesn't matter. This episode is the clearest case we've made for why your financial plan is more important than your portfolio, and why the two are not the same thing.From the BasementSimone Stolzoff joins Joe and OG to unpack the psychology of uncertainty -- including a couple who took a year apart to figure out if they wanted to stay married, a software engineer who programmed an app to make all his life decisions, and the monk who said not knowing is the most intimate thing of all. The Investment News headline about clients wanting "headline-proof portfolios" gives OG a full platform to explain why buffer ETFs are a product designed for the advisor's book of business, not your retirement. Doug arrives with Wild Bill Hickok trivia. Kathy from the community sends a note that should be required reading for every Gen X stacker who thinks they're behind.Resources MentionedHow to Not Know: The Value of Uncertainty in a World That Demands Answers by Simone Stolzoff -- available wherever books are sold; early readers receive an invitation to an exclusive event with Michael LewisSimone Stolzoff -- simonestolzoff.comInvestment News -- "Advisors say more clients are seeking to headline-proof their portfolios" by Greg Greenberg; linked at stackingbenjamins.comStacking Benjamins Episode 1840 -- "Why 67% of Americans Fear Running Out of Money More Than Dying"; stackingbenjamins.comStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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 3574: ESI from ESI Money uses the classic board game Life to reveal timeless money lessons about debt, investing, luck, and consumer spending. He also highlights where the game gets personal finance wrong, helping parents turn family game night into meaningful conversations about wealth, career choices, and what truly matters beyond money. Read along with the original article(s) here: https://esimoney.com/how-the-game-of-life-teaches-personal-finance/ Quotes to ponder: "Stay (or get) out of debt, it's a financial killer." "Investing is a great way to make your money grow." "Control your spending, especially on expensive items that don't have any long-term value." Learn more about your ad choices. Visit megaphone.fm/adchoices

We all want retirement success. But how do we achieve it? What if the best method is to identify possible *failures* first, and then simply work backward to avoid those failures?  Looking for a financial planner?  → PlanWithJesse.com In this episode, Jesse applies Charlie Munger's principle of inversion to retirement planning, arguing that instead of only defining success, investors should first identify how retirement plans fail and then design strategies to avoid those outcomes. He introduces a framework of 14 retirement risks and focuses on the first seven: longevity risk, inflation risk, household risk, market risk, sequence of returns risk, withdrawal risk, and health risk. Longevity risk is framed as the danger of outliving assets. Inflation risk is described as the gradual erosion of purchasing power, with equities and TIPS offering partial protection while cash and bonds provide stability at the cost of real returns. Household risk centers on coordination between partners, emphasizing survivor planning, shared understanding of finances, and alignment on spending and documentation. Market risk is presented as unavoidable and inseparable from long-term investing, managed primarily through time, rebalancing, and disciplined behavior. Sequence of returns risk highlights the disproportionate impact of poor early-retirement market performance, with cash and bond buffers used to mitigate early withdrawal pressure. Withdrawal risk focuses on spending levels that are too high relative to portfolio size, while health risk underscores that physical and cognitive decline can ultimately matter more than financial outcomes, making long-term health investment a critical component of retirement planning. Key Takeaways: • Retirement planning is improved by focusing on failure modes first. • Longevity risk is the danger of outliving retirement savings. • Inflation risk reduces purchasing power over long retirement horizons. • Household risk stems from misalignment or loss within a couple or family. • Market risk is unavoidable in exchange for long-term returns. • Sequence of returns risk is most dangerous early in retirement. • Withdrawal risk occurs when spending exceeds sustainable portfolio levels. • Health risk can undermine retirement quality regardless of wealth. Key Timestamps: (01:07) – Charlie Munger During WWII (03:13) – Quick Overview (09:40) – 1: Longevity Risk (15:17) – 2: Inflation Risk (19:17) – 3: Household Risk (23:39) – 4: Market Risk (27:31) – 5: Sequence of Returns Risk (31:48) – 6: Withdrawal Risk (33:30) – 7: Health Risk Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/e126/ https://bestinterest.blog/e87/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success by Wade Pfau Wade Pfau chart: https://www.advisorpedia.com/media/2024/2/Sequence_of_returns_risk.png https://open.spotify.com/episode/1ox7hbv5uhG3bHsIzf2Cfk?si=keUGIC4uSfOoEl4VrcpbPg   https://bestinterest.blog/e122/  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

How do you make sense of the fact that consumer sentiment has reached an all-time low yet the stock market continues to surge to all-time highs?

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 3574: ESI from ESI Money uses the classic board game Life to reveal timeless money lessons about debt, investing, luck, and consumer spending. He also highlights where the game gets personal finance wrong, helping parents turn family game night into meaningful conversations about wealth, career choices, and what truly matters beyond money. Read along with the original article(s) here: https://esimoney.com/how-the-game-of-life-teaches-personal-finance/ Quotes to ponder: "Stay (or get) out of debt, it's a financial killer." "Investing is a great way to make your money grow." "Control your spending, especially on expensive items that don't have any long-term value." Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us Fan Mail Financial Budget/Wealth Management app (FREE): https://centsora.com/ Nearly one in three Americans don't track their spending—yet 76% say they're optimistic about improving their finances. That gap between intention and outcome is a thinking problem, not a math problem. In this episode, M.A. Aponte unpacks four cognitive biases that sabotage financial behavior — present bias, anchoring, loss aversion, and identity spending — and shows how building financial literacy improves decision-making across every domain of your life. Whether you're trying to budget better, build wealth, or simply make smarter choices under pressure, this episode gives you the Financial Thinking Stack and a 3-Question Decision Filter you can use immediately. Support the showJoin My Substack for more content: maaponte.substack.comConsulting/Advisory Services: MAAponte.comProfessional LinkedIn Page: www.linkedin.com/in/maaponteFinancial Budget/Wealth Management app (FREE): https://centsora.com/CHECK OUT OUR NEW CRITICAL THINKING GAME APP! Currently in BETA: Android: https://play.google.com/store/apps/details?id=com.base692af669b00f0dc8d8ad6653.appWeb: https://play.google.com/apps/testing/com.base692af669b00f0dc8d8ad6653.app*Coming soon to Apple Store

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 3573: ESI uses the classic board game Life to reveal surprisingly practical lessons about money, careers, debt, taxes, and family expenses. Through playful examples and personal stories, he shows how everyday financial decisions compound over time and why protecting your earning power matters more than most people realize. Read along with the original article(s) here: https://esimoney.com/how-the-game-of-life-teaches-personal-finance/ Quotes to ponder: "Your career is your greatest financial asset so be sure to protect it." "Going to college to get a good career is almost always worth the cost." "Life is centered around financial principles, some good and some bad." Learn more about your ad choices. Visit megaphone.fm/adchoices

Is AI really the next Google—or are investors repeating the last tech bubble? Blake and David dig into OpenAI's legal win, the accounting mechanics behind soaring AI valuations, and why cloud credits and paper gains may be inflating the market. They also explore what could make AI tools actually sticky for businesses, from workflow automation to personal finance and small-business use cases, and what all of this means for accountants.SponsorsDigits - http://accountingpodcast.promo/digitsR.E. Cost Seg - http://accountingpodcast.promo/recostsegOnPay - http://accountingpodcast.promo/onpay Maxima.AI - http://accountingpodcast.promo/maximaChapters(00:00) - TAP 488 (00:22) - Cash Flow Forecast Debate (00:29) - Road Show Updates (00:56) - Conference Rebrand News (01:31) - Nasdaq AI Summit Preview (04:29) - Livestream Check In (05:14) - Musk vs OpenAI Ruling (07:25) - AI Bubble Warning Signs (10:47) - Roundtrip Accounting Explained (15:38) - Paper Profits Hit Big Tech (18:28) - Do AI Giants Have Moats (27:15) - ChatGPT Personal Finance Push (30:54) - Agentic App Platforms (31:44) - Query Volume As Moat (33:00) - Claude Small Business Suite (35:20) - Cash Flow Forecast Debate (37:02) - AI Tax Workbook Example (41:03) - Personal Finance Is A Hobby (44:14) - Synthetic And Bench Lessons (47:16) - Why GLs Still Matter (50:43) - Klarna Rehires Humans (52:45) - Token Prices Will Rise (54:07) - Wrap Up And Next Time  Show NotesJury Dismisses Elon Musk's Lawsuit Against OpenAI Over Statute of Limitationshttps://www.technologyreview.com/2026/05/18/1137488/elon-musk-suit-openai-verdict/OpenAI Closes $122 Billion Funding Round, Largest in Silicon Valley Historyhttps://siliconangle.com/2026/03/31/openai-just-closed-record-breaking-122b-funding-round-brings-value-852b/Alphabet and Amazon Stakes in Anthropic Boost Profits by Billionshttps://www.bloomberg.com/news/articles/2025-10-31/alphabet-amazon-stakes-in-anthropic-boost-profit-by-billionsHalf of Google's and Amazon's 'Blowout AI Profits' Came From a Stake in Anthropichttps://fortune.com/2026/04/30/google-amazon-ai-profits-anthropic-stake-bubble-earnings-2026/What Microsoft's 10-Q Says About OpenAIhttps://om.co/2026/05/01/what-microsofts-10-q-says-about-openai/OpenAI Launches ChatGPT for Personal Finance, Will Let You Connect Bank Accountshttps://techcrunch.com/2026/05/15/openai-launches-chatgpt-for-personal-finance-will-let-you-connect-bank-accounts/Introducing Claude for Small Businesshttps://www.anthropic.com/news/claude-for-small-businessSasha Orloff (Puzzle) LinkedIn Post: Klarna, AI Agent Costs, and Accounting Quality Riskhttps://www.linkedin.com/in/sashaorloffKlarna Reverses Course on AI Customer Support, Resumes Human Hiringhttps://www.customerexperiencedive.com/news/klarna-reinvests-human-talent-customer-service-AI-chatbot/747586/Khosla Ventures Is Betting $10M on Ian Crosby, Whose Last Startup Bench Implodedhttps://techcrunch.com/2026/05/14/khosla-ventures-is-betting-10m-on-ian-crosby-whose-last-startup-bench-imploded/How Intuit Plans to Ride Out the 'SaaS-pocalypse' (CFO Brew Interview with CTO Alex Balazs)https://www.cfobrew.com/stories/2026/04/14/intuit-cto-alex-balazs-saas-pocalypseNeed CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastClassifieds REFRAME 2026 - http://accountingpodcast.promo/reframe2026Flowglad - https://cal.com/team/flowglad/flowgladWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the liste...

The “Henssler Money Talks” hosts take a practical look at emergency funds, including how liquid they really need to be, whether keeping everything in cash still makes sense, and what truly qualifies as a financial emergency. They also discuss realistic strategies for building a reserve over time when balancing competing priorities like debt repayment, investing, and retirement savings.Original Air Date: May 23, 2026Read the Article: https://www.henssler.com/before-you-chase-returns-build-reserves

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 3573: ESI uses the classic board game Life to reveal surprisingly practical lessons about money, careers, debt, taxes, and family expenses. Through playful examples and personal stories, he shows how everyday financial decisions compound over time and why protecting your earning power matters more than most people realize. Read along with the original article(s) here: https://esimoney.com/how-the-game-of-life-teaches-personal-finance/ Quotes to ponder: "Your career is your greatest financial asset so be sure to protect it." "Going to college to get a good career is almost always worth the cost." "Life is centered around financial principles, some good and some bad." Learn more about your ad choices. Visit megaphone.fm/adchoices

Everyone wants to know the magic savings number. Is it 10%? 15%? Half your paycheck while eating ketchup packets in the woods?In this Memorial Day basement hangout, Joe, OG, Doug, and Len Penzo cut through the personal finance nonsense and tackle the real question:How much should YOU actually save?Instead of guilt trips and impossible rules, the crew breaks down how real people build wealth while still enjoying life along the way. From automation tricks to lifestyle creep to using raises strategically, this episode is packed with practical ways to grow your savings without becoming financially miserable.Plus:Why most savings advice completely falls apart in real lifeThe easiest way to increase your savings rateHow automation quietly builds wealthWhy your income matters more than coupon clippingThe surprising power of “future you”Estate planning basics you absolutely should not ignoreWhy beneficiary forms matter more than your willDoug learns what “intestate” means… and thankfully it's less gross than he thoughtWhether you're just getting started or trying to level up your financial plan, this episode helps you stop chasing perfect numbers and start building momentum.Key TakeawaysWhy there's no “perfect” savings rateHow to increase savings without wrecking your lifestyleThe psychological mistake that keeps people from savingWhy small automated habits beat big dramatic changesThe best places to find extra money fastHow raises can supercharge wealth buildingThe truth about lifestyle creepEstate planning basics everyone needsWhat happens if your beneficiaries are outdatedWhy trusts aren't just for wealthy people Resources Mentioned in This EpisodeFeatured Tools, Guides & ResourcesThe Vault Budgeting App Simplify budgeting, subscriptions, spending, and automation.

Prices are up. Budgets are tighter. And people are making some surprising choices about what stays and what goes. The woman skipping the new laptop and the graduation dress is still booked for a Disney cruise, a Bruno Mars concert, and a trip to Lake Erie. It turns out inflation doesn't just squeeze your wallet -- it forces a conversation about what you actually value. Joe, OG, Paula Pant, and Doc G dig into where people are drawing the line, why experiences outlast stuff in the happiness research, and what each of them refuses to give up no matter what.What You'll Walk Away WithWhy people cut the easy stuff first -- and why that strategy relieves anxiety without actually solving the budget problemThe research behind experiences vs. stuff: why the memory of a trip gets rosier over time while objects depreciate in more ways than oneDoc G's spending happiness continuum -- from stuff to experiences to becoming a better version of yourself, and why the last one costs the leastWhy OG's DoorDash experiment was a two out of ten in year-to-date success -- and why four people pulling the rudder in the other direction mattersThe "build from zero" budget reframe that feels more empowering than cutting from the top downOne roundtable member's rule that nothing is ever truly off the table when cash gets tight -- including the house and the private schoolWhat each panelist will never go cheap on -- and one answer involving prescription medications that lands differently than you'd expectThe expenses that are dead to each of them -- and where Joe, OG, Paula, and Doc G land on first class flights and DoorDashWhy the client who cut all Christmas spending had the best holiday season of their lifePapa John's quarterly earnings data that tells you exactly how inflation is changing behavior at the menu levelWhy This Matters NowIf you're in your 40s and you've started quietly trimming things -- streaming services, delivery apps, clothing budgets -- but haven't touched the bigger stuff, this episode names what's actually happening. The question isn't whether to cut. It's whether the things you're cutting are the ones that matter least. That's a values conversation, not a math conversation, and this roundtable is one of the better ones the basement has had.From the BasementJoe, OG, Paula Pant, and Doc G dig into a Wall Street Journal piece on how Americans are changing their spending habits -- and the conversation quickly becomes about what money is actually for. OG reports that his attempt to eliminate DoorDash from the family budget has been going poorly. Doc G went to Bali in coach. The year-long trivia competition takes a dramatic turn as OG's precise mathematical reasoning leads everyone to the wrong answer -- and Doc G wins by going lower. Johnny Carson's guest host strategy turns out to be the missing variable nobody accounted for.Resources MentionedWall Street Journal -- "Where Americans Are Drawing the Line on Price Increases" by Rachel Wolff; linked at stackingbenjamins.comAfford Anything podcast -- Paula Pant; Joe joins most Tuesdays for listener Q&AEarn and Invest podcast -- Doc G (Jordan Grumet); recent episode with Carrie Jorn Grimes on The Joy of MoneyStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What happens when a former police officer turns his life experience into a mission to help others build financial freedom and peace of mind?In this powerful episode of Conversations with Rich Bennett, Rich sits down with Paul Applegate, Financial Advisor with Edward Jones, to talk about budgeting, retirement planning, investing, emergency funds, and the emotional side of money. Paul shares his deeply personal journey from law enforcement and PTSD to helping families, first responders, veterans, and business owners take control of their financial future.This episode goes far beyond stocks and retirement accounts. It's about creating options, reducing stress, and building a life where you're no longer financially trapped.In this episode, you'll learn: Why emergency funds are critical  The biggest financial mistakes people make  How compound interest really works  Why budgeting still matters  How to stay calm during market volatility Connect with Paul Applegate: Phone: 410-939-5270 Email: Paul.Applegate@EdwardJones.comSpecial thanks to Freedom Federal Credit Union for sponsoring this episode.If you enjoyed this episode, please subscribe, leave a review, and share it with someone who could benefit from this conversation.Send us Fan MailCelebrate the Magic of Words in Bel Air, Maryland!https://bookfairatbelair.org/Paul ApplegatePaul offers No Cost No Obligation Retirement Check Ups and Consultations.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showRate & Review on Apple Podcasts Follow the Conversations with Rich Bennett podcast on Social Media:Facebook – Conversations with Rich Bennett Facebook Group (Join the conversation) – Conversations with Rich Bennett podcast group | FacebookTwitter – Conversations with Rich Bennett Instagram – @conversationswithrichbennettTikTok – CWRB (@conversationsrichbennett) | TikTokSponsors, Affiliates, and ways we pay the bills:Hosted on BuzzsproutSquadCastSubscribe by Email

Every family knows the feeling. You spend $1,000 to get everyone to the happiest place on Earth, and by 1:30 someone's crying, someone's sunburned, and somebody just paid $18 for a hotdog. Robert Niles from Theme Park Insider (the site that Robert jokes AI is pulling all its theme park data from) comes back to the basement to help you avoid that fate. This year he's also got strong opinions on which park is winning summer 2026, and it's not the one you'd expect.What You'll Walk Away WithWhy the biggest theme park mistake families make has nothing to do with the park -- and everything to do with who's in the crew going with youWhich park Robert says is winning summer 2026 -- including a brand-new attraction that combines rollercoaster, dark ride, and water ride into one experienceThe quick game: lightning lane passes, VIP tours, park hoppers, character breakfasts, fireworks packages, meal plans -- worth it, skip it, or depends?Why Tokyo DisneySea is boss-level theme parking -- and the specific 10-minute window that determines whether you get on the top rides or wait four hoursThe sleeper parks most families overlook -- including one with a water park included in the ticket price and another that Herschend hasn't bought yetHow to use the Theme Park Insider community to find the actual strategy for any park before you arrive -- written by real visitors, not AIWhy sit-down air-conditioned lunch in the middle of a hot park day might be the best $40 you spend all summerThe over-planning trap -- and why having a plan matters less than being willing to abandon itWhat a Netflix show taught CNBC about health insurance deductibles -- and why one in four Gen Z adults still doesn't know what a deductible actually isThe HSA trap hiding inside high-deductible health plans -- and why choosing the cheaper plan can end up costing you far moreWhy This Matters NowSummer is when families spend real money on experiences that either become great memories or expensive regrets. A little planning separates the two more than most people think -- and the same principle applies to health insurance. Both conversations in this episode are about making sure the money you spend on your family actually delivers what you paid for.From the BasementRobert Niles from Theme Park Insider joins Joe and OG to kick off summer 2026 -- and Joe finally confesses that going to Dollywood last year changed his life. The headline segment tackles a CNBC piece inspired by the Netflix show Beef, which turns into a genuinely useful conversation about deductibles, HSAs, max-out-of-pocket numbers, and when the high-deductible plan is actually the wrong choice. Doug arrives with Formula Rossa trivia and a strongly worded editorial about what counts as a complete meal. The back porch features perhaps the best parenting post the basement has ever produced.Resources MentionedTheme Park Insider -- themeparkinsider.com; reviews, trip planning guides, and community discussion boardsBeef on Netflix -- referenced for the deductible explainer segmentCNBC health insurance article by Annie Nova -- linked at stackingbenjamins.comStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy! Check out the full episode: https://greatness.lnk.to/1927DM There's a name for that feeling that saving money is pointless. Haley Sacks, a.k.a. Mrs. Dow Jones, calls it financial nihilism. It's when you've counted yourself out so completely that you stop planning for the future and start flexing for the present. She lived it. Designer bag on one hand, past-due rent on the other. The wake-up wasn't a book or a seminar. It was staring at a Louis Vuitton bag she bought on eBay and realizing it was a mask. Something to signal "I'm fine" when she wasn't. Billionaires wear sweatpants because they don't need to prove anything. That contrast says everything. $200 a month at 25 turns into $700,000 by your sixties. The math works. The only thing stopping most people is believing it won't matter. Sign up for the Greatness newsletter: http://www.greatness.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

You wake up, check your portfolio, and realize one stock has quietly become your entire retirement plan. Maybe it came from an employee stock purchase plan. Maybe Grandma left you a pile of Apple shares. Maybe you bought NVIDIA in 2012 because you liked the graphics card and forgot about it. However you got here, the problem is the same: one company now owns you. Joe and OG walk through exactly how to unwind it -- slowly, tax-efficiently, and without making the emotional decisions that cost people the most money.What You'll Walk Away WithThe four ways people end up with concentrated stock -- and which one has the easiest fix that most people skip entirelyWhy inheriting stock is actually the best time to diversify -- and the step-up in basis rule that eliminates most of the tax billThe conveyor belt strategy for employee stock purchase plans that keeps you collecting the discount without piling up company riskWhy "I'll just grow around it" almost never works -- and the math behind why your stock tends to outpace your ability to diversify around itThe question Joe asked every client in this situation: which outcome would upset you least -- and why that's the right starting pointRSUs as a paycheck, not a loyalty pledge -- and the mental reframe that makes it easier to sellWhat the Merck/Vioxx story teaches about why the tax bill is almost never the real reason to hold concentrated stockWhen a slow systematic sell makes sense versus ripping the Band-Aid -- and how to decide which one you can actually live withThe estate planning mistake that turns a free inheritance into a massive capital gains bill -- and why the $1 trick backfires every timeThe insurance planning framework OG and Anna walk through: life, disability, long-term care, and property/casualty -- including the umbrella policy most people skipWhy This Matters NowIf you've spent years building something -- through your career, through conviction, through an inheritance -- the last thing you want is to lose it all because one company had a bad quarter. The diversification conversation feels complicated, but the framework is simpler than most people think. The hard part isn't knowing what to do. It's making the decision when the stock is moving and your emotions are loud.From the BasementJoe and OG dig into concentrated stock risk -- how people get there, what it actually costs them, and the five strategies for getting out without making it worse. OG and Anna return for episode two of their financial basics series with a full insurance planning walkthrough -- including the disability insurance gap most people don't know they have. Doug arrives with Mount St. Helens trivia and a dryer situation that may or may not involve auto parts. Stacker Molly's car repair HSA story gets a full investigation and a satisfying resolution.Resources MentionedStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementYahoo Finance / CNBC insider trading tracker -- referenced for monitoring executive stock salesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us Fan MailDavid Norman retired last school year with 31 years under his belt as a NC HS Social Studies teacher and baseball coach. David is now running Norman Financial Coaching and supports teachers in a variety of ways with their finances. David has a wealth of knowledge about teaching and growing your wealth, we hit on a variety of subjects during this introduction to David Norman to the FIT audience. Below is a little about David and his thoughts on teachers and the "vow of poverty" we take to go into education. The Teacher's Myth...You took a vow of poverty when you became an educator.  I have been a teacher all of my life, or so I have been told.  I started getting paid to teach in 1994.  While my career is certainly in the later innings, I have found my 3rd or 4th rejuvenating burst of energy as I transition into full time financial coaching even as I help launch the Economics and Personal Finance curriculum for our State, District, and my School.  As my National Board Certification and almost two decade role as a NB Facilitator for my District has taught me, the single most important element to a child's learning is having a highly qualified and motivated teacher.  Even the most dynamic teachers, however, cannot be at their best if they are stressed, exhausted, or unduly frustrated.  Financial stress can create and compound the above and has made a good many of my colleagues question their career choice, some even leaving the profession as a result. My mission is to show teachers a way to have their cake and eat it too.  We can, and many do, build wealth even as we fully engage our students and make a career out of our calling.  The belief that teachers take a vow of poverty once they commit to a career in education is a myth!  In fact, this myth applies to many middle-class incomes, not just educators.  While "you didn't get into teaching for the money," may be true, it doesn't mean we shouldn't challenge the narrative that teachers are destined to live paycheck to paycheck, holding on for dear life until eligible for their pension.  In fact, if we are intentional with our money, the teaching profession affords us many opportunities to build wealth that others do not have.  Equally as important, the far more valuable commodity of time is more readily available to us than in most professions.  Taken together, time and a new money mindset can be powerful tools to both create a comfortable post-teaching life, as well as a tremendously rich journey throughout our careers. https://www.normanfinancialcoaching.com/

Another conversation with Dr. Chris Winfree Find the video of this conversation at https://youtu.be/aEx9Jq2Kb8M Find our first conversation at https://www.youtube.com/watch?v=3oUrgYcg5zk

What actually separates people who build lasting wealth from everyone else? Not the tips. Not the apps. The habits. Joe put the question to a panel of financial planners, coaches, and bloggers -- and turned it into a game. Seven habits, three rounds, two points up for grabs. Monica Scudieri, who paid off $257,000 in debt and reached financial independence in 10 years, joined OG and Jesse Cramer to find out how well the conventional wisdom matches what actually works.What You'll Walk Away WithThe seven millionaire habits Kiplinger identified -- and which ones the panel nailed, missed, and argued aboutWhy continuously educating yourself about money remains one of the highest-leverage habits at any income levelThe networking truth wealthy people understand that most people don't -- and why "who not how" changes everything about how you approach your career and financesMonica's story: how she turned a divorce, $257,000 in debt, and three rounds of unemployment into financial independence in a decadeWhy living below your means isn't about deprivation -- it's about creating the margin that makes every other habit possibleThe pay yourself first argument that actually holds up when your budget is genuinely tightWhy OG thinks waking up early is the worst advice in personal finance -- and what he thinks actually matters insteadThe book recommendations that shaped each panelist's financial philosophy -- including a deep dive on why passive investing still winsWhy diversifying your income streams landed on the millionaire habits list -- and what that looks like in practiceThe complete list of seven habits, revealed at the end -- including the two the panel never guessedWhy This Matters NowMillionaire habits get discussed constantly and followed inconsistently. The gap isn't usually knowledge -- it's the unsexy reality that these habits have to run in the background for years before the results become visible. This roundtable is worth listening to not because the list is surprising, but because the people talking about it have actually lived it.From the BasementJoe, OG, Jesse Cramer, and Monica Scudieri from Grab Your Slice play two rounds of the millionaire habits game while the year-long trivia competition quietly shifts -- Monica guesses closest on a 1940 McDonald's complete meal price and earns Paula Pant's first point in a while. OG extends his lead. Jesse goes 0 for the day and seems fine about it. Doug intervenes on the trivia question to add a milkshake, which turns out to be decisive.Resources MentionedGrab Your Slice of Financial Independence by Monica Scudieri -- available wherever books are soldMonica Scudieri financial coaching -- schedule a free 30-minute call at grabyourslice.comPersonal Finance for Long-Term Investors -- Jesse Cramer's podcast, wherever you listen; upcoming two-part series on the 14 risks retirees faceAutomatic Wealth by Michael Masterson -- recommended by Monica as her foundational bookA Random Walk Down Wall Street by Burton Malkiel -- recommended by JesseThe War of Art by Steven Pressfield and Essentialism by Greg McKeown -- recommended by OGThe Truth About Money by Ric Edelman -- recommended by JoeNetworking With the Affluent by Dr. Thomas Stanley -- referenced in discussionStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementStacking Benjamins "Benjamins After Dark" Meetups -- stackingbenjamins.com/BADSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Thirty years ago Beth Kobliner wrote the book that a generation of financial planners handed to their clients' kids. The core advice still holds. But the world around it has changed dramatically -- frictionless spending, gambling apps disguised as investment platforms, and a housing market where the average first-time buyer is now 40. Beth comes back to the basement with an updated edition of Get a Financial Life and a clear-eyed take on what's harder now, what's easier, and what was always just common sense.What You'll Walk Away WithWhy the shift to invisible, frictionless money has made spending harder to track -- and the two-week experiment that fixes it without turning into a second jobThe yours, mine, and ours account system for couples where one person saves and one person spends -- and why autonomy is the key to avoiding money resentmentWhy putting a price tag on your goals changes your spending behavior more than any budget ever willThe biggest mistake first-time home buyers make right now -- and the math on why a 10% down payment often beats waiting for 20%Used versus new car: the $20,000 gap that makes the decision simple -- and the negotiation script that puts you in control at the dealershipStudent loan reality check for 2026 -- what's changing by July, where to run the numbers, and who qualifies for public service loan forgiveness now that it's actually workingWhy paying off a 22% credit card is mathematically equivalent to earning 22% guaranteed -- and what that means for how you prioritize your moneyThe gambling platform statistic that should alarm every parent of a 20-something: 25% of Gen Z and millennials consider online gambling an investmentThe annuity conversation most advisors won't have honestly -- what they're actually selling, what the fees really cover, and the two use cases where they might actually make senseWhy an annuity inside an IRA is, in OG's words, an abomination -- and the three questions to ask before signing anythingWhy This Matters NowWhether you're in your 40s and wishing you'd read this at 22, or you're handing it to someone who just graduated, the fundamentals Beth laid out three decades ago are still the fastest path to financial stability. What's changed is the noise around them -- and the sophistication of the products and platforms designed to get in the way.From the BasementBeth Kobliner joins Joe and OG to walk through the 30th anniversary edition of Get a Financial Life -- covering homes, cars, student loans, debt, and the new financial traps that didn't exist in 1996. The headline segment digs into a CNBC piece on why retirees are thinking about annuities wrong, which turns into one of the more honest annuity conversations the basement has had. Doug arrives with Spice Girls trivia that everyone over 35 finds embarrassingly easy. The meatloaf debate breaks out at the end and resolves nothing.Resources MentionedGet a Financial Life by Beth Kobliner -- 30th anniversary edition available wherever books are soldBeth Kobliner -- bethkobliner.comstudentaid.gov -- loan simulator and repayment plan optionsEdmunds and Kelley Blue Book -- invoice price research before car negotiations; edmunds.com, kbb.comCARFAX -- used car history reports; carfax.comCarvana, Autotrader, CarGurus -- used car shopping platformsCNBC annuities article by Greg Iacurci -- linked at stackingbenjamins.comJP Morgan Guide to the Markets -- referenced in discussion; search "JP Morgan Guide to the Markets"Stacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Meetups -- stackingbenjamins.com/meetupStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Cody Berman reached financial freedom at 25 while spending just $24K a year. During that same stretch, his income doubled three years in a row from $96K to over $1M.In this episode, Cody breaks down the simple but powerful math behind his journey: 11 rental units producing $3,700/month in cash flow, a digital products business generating $10K/month, and $500K invested in the stock market by his mid-20s.We cover:Why margin matters more than what you invest inPercentage-based spending and why dollar amounts can be misleadingHow to get aligned with your spouse on financial freedomThe 4 types of side hustles and which ones actually scaleMonthly money meetings and annual life reviewsWhy increasing income beats obsessing over tax loopholesHow Cody unlearned the scarcity mindset after becoming financially freeCody also shares lessons from his new book, Retire by 30.Get the book: www.retireby30book.comCheck out our first episode together where we break down Cody's digital products business:https://youtu.be/1uJFGuGQ3Bc?si=I-fsVM1km3vYeT2eFollow Cody:Instagram: @CodyDBermanCurious as to how we've bought multiple businesses and built millions in equity? Give this video a watch for a full breakdown: https://www.youtube.com/watch?v=cviipnGtDWI&feature=youtu.beIf you are serious about building a life on your terms and want to surround yourself with people who are actually doing it, go to: https://actionacademy.com?el=action_academy_podcastIf you want to leave corporate America in the next 6-18 months - you should check out our Action Academy Community

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 3557: Amanda Brownlow walks through the practical, sometimes uncomfortable process of dissecting your daily spending and turning raw numbers into meaningful financial goals. By categorizing expenses, confronting cash habits, and setting actionable targets, she shows how small, honest adjustments can unlock real progress toward debt reduction and savings. It's a clear path from awareness to control, helping you build a budget that actually works in real life. Read along with the original article(s) here: https://hellobrownlow.com/2020/02/17/how-to-complete-your-very-first-spending-audit/ Quotes to ponder: "You need to know exactly what you spent money on." "You need to have a concrete idea of where your money went!" "Set a goal, amount, what actions you'll take to get there, and a deadline." Episode references: The Complete Guide to Money by Dave Ramsey: https://www.amazon.com/Complete-Guide-Money-Dave-Ramsey/dp/1937077209 The Total Money Makeover by Dave Ramsey: https://www.amazon.com/Total-Money-Makeover-Classic-Financial/dp/1595555277 Learn more about your ad choices. Visit megaphone.fm/adchoices

A new study just confirmed what most people in their 40s already feel but rarely say out loud: running out of money is scarier than death. Gen X is leading that number at 73% -- and the reasons why make a lot of sense when you look at what that generation is actually navigating. No pensions. Rising costs. Longer retirements. Markets that never seem to settle. Joe, OG, and Len Penzo dig into the data, the psychology, and the practical steps that actually move the needle.What You'll Walk Away WithWhy Gen X is more worried about retirement than either baby boomers or millennials -- and the pension gap that explains most of itThe Social Security stress test OG recommends for every retirement plan -- and why neither he nor Len think it's going awayWhy checking your portfolio every time the market drops is one of the most expensive habits a long-term investor can haveThe automation argument that cuts through the discipline myth -- and why your systems matter far more than your willpowerWhy the debt normalization shift that happened sometime in the late 1970s is still costing people their retirement todayThe three-layer retirement income framework OG and Anna walk through -- Social Security, pensions and annuities, and investment withdrawals -- and how to find your gap numberThe 4% rule explained in plain math -- including the inflation adjustment most people skip and why it matters enormouslyWhat sequence of return risk actually means in practice -- and the floor strategy that keeps you from panic-selling at exactly the wrong momentWhy running out of money in retirement is mostly a planning problem, not a math problem -- and what that distinction changesThe ongoing battle to name OG and Anna's financial basics segment -- and why "The Financial Dwarves with Happy and Grumpy" didn't make the cutWhy This Matters NowIf you're in your 40s and that 67% statistic landed somewhere uncomfortable, you're not behind -- you're paying attention. The gap between fear and a plan is smaller than most people think, and this episode maps it out in terms you can actually act on this week. The math is real, the tools exist, and the biggest obstacle for most people isn't knowledge. It's starting.From the BasementJoe, OG, and Len Penzo dig into a sobering Investment News study on retirement fears before OG and Anna kick off season two of their financial basics series with a full retirement income planning walkthrough -- complete with a guidebook you can download and follow along. Doug arrives with Festivus trivia that everyone over 40 finds insultingly easy. The segment naming debate continues with no resolution in sight, though The Study and The Financial Dwarves with Happy and Grumpy both made spirited cases.Resources MentionedLen Penzo -- lenpenzo.com; book: True Money Stories on AmazonJP Morgan Guide to the Markets -- search "JP Morgan Guide to the Markets" for monthly market dataSSA.gov -- Social Security earnings history and benefit projectionsStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Community -- stackingbenjamins.com/basementFULL SHOW NOTES: https://stackingbenjamins.com/Why-Americans-Fear-Running-Out-of-Money-in-Retirement-More-Than-Dying-1840Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ramit Sethi wants everyone to have a healthier relationship to money, and thinks he knows how to get us there.   Thoughts? Email us at theinterview@nytimes.com Watch our show on YouTube: youtube.com/@TheInterviewPodcast For transcripts and more, visit: nytimes.com/theinterview Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify. You can also subscribe via your favorite podcast app here https://www.nytimes.com/activate-access/audio?source=podcatcher. For more podcasts and narrated articles, download The New York Times app at nytimes.com/app. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.