The Stacking Benjamins Show

Latest Episodes:

Strategies and Tactics to Maximize Your 401k (and common mistakes to avoid) SB1740 Sep 26, 2025

Show notes

What if tweaking just a few “knobs” in your 401(k) could mean the difference between retiring with confidence or wondering if you’ll ever stop working? In this spirited episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Neighbor Doug are joined by three of our favorite money minds — Paula Pant from AffordAnything, Jesse Cramer from Personal Finance For Long Term Investors, and Lacey Langford from The MILMO Show — to break down everything you thought you knew (and a few things you probably didn’t) about retirement planning.

From the basics of employer matches and contribution strategies to the great Roth vs. Traditional debate, we’re exploring the smart moves that can supercharge your 401(k) — and the missteps that can quietly drain your future nest egg. Along the way, you’ll pick up clever tips, a few head-scratching stories, and some beer-fueled trivia that will leave you laughing harder than your HR rep when you ask if “401(k)” is the Wi-Fi password.

And because this is Stacking Benjamins, the conversation goes far beyond just investment allocations and tax advantages. We dig into why behavioral traps can derail your savings plan, how military families can maximize their benefits, and why understanding fees is one of the most underrated wealth-building moves you can make. So grab a pretzel, pull up a chair, and let’s talk about how to make your money work harder — so future you can kick back with a stein and say, “I nailed this retirement thing.”

How to “tune” your 401(k) like a pro — from employer matches to smart contribution strategies.
The real differences between Roth and Traditional accounts (and how to decide which is right for you).
Why understanding your 401(k) fees could add thousands to your future balance.
How military families can make the most of unique retirement benefits.
The biggest mistakes people make with their 401(k)s — and how to avoid them.
Plus: A special Oktoberfest-themed trivia showdown and plenty of basement banter.

FULL SHOW NOTES: https://stackingbenjamins.com/tweaking-your-retirement-account-1740

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201

Enjoy!

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Work Less, Live More AND Perform Better at Your Job (SB1739) Sep 24, 2025

Show notes

What if the secret to enjoying your job isn’t grinding harder but stepping back and rethinking how work fits into life? In this episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Neighbor Doug welcome special guest Shemin Nurmohamed to unpack the Paris Paradox: balancing work and leisure without sacrificing ambition. From cultural perspectives on downtime to the productivity perks of unplugging, Shemin shows why working less might just help you accomplish more.

But that’s not all. What happens when your financial advisor suddenly jumps ship to another firm? The team digs into what it means for your money, your relationship with your advisor, and how to evaluate whether it’s time to follow—or finally shop around. Add in Doug’s trivia, a few stumbles down random rabbit holes, and our community’s contributions, and you’ve got a lively mix of practical advice and classic basement energy.

Whether you’re plotting your next vacation or just trying to figure out how to stop your inbox from running your life, this episode offers real-world strategies (and plenty of chuckles) to help you reset, recharge, and refocus.

Why time off is not laziness but fuel for better work and sharper decision-making.
How cultural differences around leisure can reshape your own approach.
What to do when your advisor changes firms (and how to spot a keeper).
Practical ways to build stronger connections and communities.
The “Two Beers and a Puppy” test: a surprisingly effective tool for evaluating relationships.

FULL SHOW NOTES: https://stackingbenjamins.com/how-to-work-less-live-more-and-love-your-job-1739

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!

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See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Stop Making Simple Investing Mistakes With an Investment Policy Statement (SB1738) Sep 22, 2025

Show notes

Ever make a money move in the heat of the moment and wish you could take it back? That’s exactly why a rock-solid Investment Policy Statement (IPS) might be your most underrated financial tool. In this episode, Joe Saul-Sehy, OG, and Neighbor Doug peel back the layers on IPSs—why they matter, how they save you from your own impulses, and the role they play in making sure your investment strategy actually sticks. Think of it as your financial GPS, keeping you on course when market turbulence makes you want to grab the wheel.

But it’s not just about avoiding panic-selling. The basement crew digs into the nuts and bolts of what a good IPS should include, from setting specific goals to handling liquidity needs and keeping your risk tolerance aligned with your lifestyle. You’ll also hear how rebalancing, governance, and regular reviews can transform your investments from “hope and pray” into a system you can rely on. Along the way, expect the usual SB tangents: a Joan Jett–themed trivia challenge, a TikTok tale about Apple Pay gone wrong, and more than a few moments where Doug forgets he’s not supposed to run the show.

By the end, you’ll not only understand how to create (or update) your IPS, but you’ll also see how it connects directly to building confidence in your financial plan. Whether you’re brand new to investing or a seasoned hand looking to sharpen your strategy, this episode delivers the blueprint.

Why an Investment Policy Statement is your best defense against emotional investing
How to set clear goals, liquidity rules, and risk guidelines for your portfolio
The pitfalls most people overlook when drafting an IPS (and how to avoid them)
Smart strategies for rebalancing and reviewing your plan without overcomplicating things
A cautionary tale from TikTok that reminds us all to keep our guard up with payment apps
Listener Q&A on stock sales and the quirks that come with them

Questions You'll Begin to Answer During the Episode:

Do you have a written IPS, and if so, does it reflect your actual goals—or just what you thought they were five years ago?
What emotional triggers most often tempt you to stray from your financial plan?
How often do you review your investments, and is it based on strategy—or headlines?

FULL SHOW NOTES: https://stackingbenjamins.com/simple-steps-for-better-money-management-1738

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!

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See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What Are YOU Worried About Financially? (LIVE From FinCon 2025) SB1737 Sep 19, 2025

Show notes

What happens when you throw a bunch of money nerds into one room, add microphones, and sprinkle in a little economic chaos? You get this live recording from FinCon in Portland, where Joe Saul-Sehy, Paula Pant, Jesse Cramer, and Matthew Tarr tackle today’s most pressing financial questions head-on—with plenty of laughs along the way. From housing headaches to healthcare hurdles, nothing is off the table as the crew breaks down the issues shaping your money right now.

Housing prices got you wondering if you should rent, buy, or just live in your car with an Amazon Prime subscription? We dig into the real trade-offs in today’s market. Worried about a looming recession or high-interest rates eating away at your financial confidence? You’ll walk away with strategies that keep you focused and resilient when headlines try to spook you. And for those plotting an early retirement, the group pulls apart the rising cost of healthcare and why conservative investment strategies may be your best friend.

At its core, this episode is about tuning out the noise and zeroing in on what matters: a solid plan, smart decisions, and a community of people who know that money is just the tool—not the destination. Whether you’re trying to hit FI, weather market storms, or simply avoid panic-selling your investments, this conversation from the heart of FinCon will leave you with perspective, strategy, and maybe even a grin.

Why renting vs. buying isn’t a one-size-fits-all answer (and what today’s market means for you)
How to prepare for recession chatter without losing sleep
The ripple effect of high-interest rates on your wallet and investments
Smart approaches to healthcare planning in early retirement
Practical strategies for building a strong investment plan that outlasts market swings
Reflections on community, optimism, and financial resilience from the FinCon floor

Points to Chew On:

Would you rather own a house in this market—or rent and keep flexibility?
How do you personally prepare for recession fears without derailing your long-term plan?
If healthcare costs keep climbing, how will that affect your retirement timing or strategy?

FULL SHOW NOTES: https://stackingbenjamins.com/live-from-fincon-2025-173

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201

Enjoy!

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See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

David Gardner on Breaking the Rules of Investing (SB1736) Sep 17, 2025

Show notes

What happens when you stop playing it safe and start playing it smart? In this episode, Joe Saul-Sehy, OG, and Neighbor Doug sit down with David Gardner, co-founder of The Motley Fool, to explore how breaking traditional investing “rules” can sometimes lead to the biggest wins. From his early career to building a community of investors who think differently, David shares the lessons that shaped his approach and why focusing on long-term investing (with a dash of joy) is the key to building wealth.

This isn’t just theory—David opens up about the real-world evolution of financial advice, the importance of conscious capitalism, and why advisors need to shift from just picking stocks to becoming true guides in an era where investment products are commodities. Along the way, the basement crew mixes in a few unexpected detours (yes, including some movie talk), reminding us that money doesn’t have to be boring to be meaningful.

If you’ve ever felt like the “safe” path with your money was leading you in circles, this episode offers a fresh perspective from one of the most influential voices in modern investing. Get ready to rethink the rules, laugh along the way, and come away with strategies to make your portfolio—and your life—more rewarding.

Why breaking conventional investing “rules” can sometimes be your best move
The evolution of The Motley Fool and its impact on everyday investors
How long-term thinking beats short-term noise in building wealth
The role of conscious capitalism and why businesses matter beyond profits
Why financial advisors need to pivot their focus to guidance, not just products
How criticism shaped David Gardner’s career and what he learned from it

Points to Ponder During the Episode

When’s the last time you broke a “money rule,” and did it pay off—or backfire?
Do you believe financial advisors should focus more on guidance than investment selection?
What’s one company or stock you’ve stuck with long-term—and why?

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How to Sidestep the 4 Culprits Wrecking Middle Class Retirement (SB1735) Sep 15, 2025

Show notes

What really derails retirement dreams? Spoiler alert: it’s not always the stock market or your 401(k). Sometimes it’s sneaky habits—like leaning too hard on your house as a retirement plan or ignoring how long you might actually live—that quietly gnaw away at your financial future. In this episode, Joe Saul-Sehy, OG, and Neighbor Doug dig into the most common middle-class retirement killers and how you can sidestep them.

But this isn’t your average checklist of “don’t do that.” The team dissects questionable advice floating around internet forums, debates stock splits and diversification, and even finds time to unravel why owning a cat might make you a magnet for gangster-level problems. Add in Doug’s trivia about a famous singer’s real name, and you’ve got an episode that’s equal parts practical and delightfully unpredictable.

Whether you’re worried about stretching your retirement savings or just looking for sharper ways to think about financial advice, this episode offers both reassurance and reality checks. So grab your favorite mug (or maybe your cat), settle into your seat, and get ready to learn how to protect your retirement from the biggest threats—while laughing at the absurdity along the way.

What You’ll Learn in This Episode:

The habits that quietly sabotage retirement plans (and what to do instead)
Why your house may not be the slam-dunk retirement strategy you think it is
The risks of living longer than you expect—and how to plan for it
How to sniff out sketchy financial “tips” before they lead you astray
The surprising traps behind stock splits, diversification myths, and overconfidence
Why even well-meaning advice can backfire if you don’t look at the big picture

Questions to Ponder (or Debate in the Basement Facebook Group):

Which retirement habit do you think trips people up the most—and why?
If you had to choose, would you rather rely on your house equity or a diversified portfolio to fund retirement?
What’s the worst financial “tip” you’ve ever heard online (or maybe even followed)?

FULL SHOW NOTES: https://stackingbenjamins.com/habits-that-destroy-middle-class-retirement-dreams-1736

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!

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See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How Are You Creating Your Happiest Life? (SB1734) Sep 12, 2025

Show notes

If having more money guaranteed happiness, we’d all just set our financial targets, cash the checks, and live joyfully ever after. But as Joe Saul-Sehy, OG, Paula Pant (Afford Anything), and Joel Larsgaard (How to Money) unpack in this lively roundtable, life’s richest rewards often have little to do with your net worth. They explore why some wealthy people still feel miserable, how Benjamin Franklin’s approach to living can still teach us a thing or two, and why optimism may be your secret investing edge.

From the science that says peak life satisfaction might just happen around age 70, to the underrated role of good friends in a rich life (financially and emotionally), this episode blends timeless wisdom with modern money smarts. Whether you’re chasing financial independence, already there, or just trying to make sure your journey is as fulfilling as your destination, you’ll find ideas you can put into practice right now.

And because this is the basement, expect the conversation to meander into relatable stories, some eyebrow-raising trivia, and a few debates on what balance really looks like when you factor in both spreadsheets and smiles.

What You’ll Learn in This Episode:

Why money alone won’t guarantee happiness (and what really does)
How Benjamin Franklin’s life principles still apply in today’s financial world
The connection between optimism and long-term investing success
The surprising age when happiness may peak (and what to do before you get there)
How to balance financial independence with enjoying the present
Why strong social circles are a must-have part of your wealth plan

Questions to Ponder (and maybe share your answers with the Basement Facebook Group!):

Do you think your happiness will peak at a certain age—or is it more about circumstances?
How do you balance saving for the future with enjoying your money today?
What’s one small, intentional change you’ve made that had a big impact on your happiness?

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How to Lead (and Evaluate Good Leadership) with David Gergen (SB1733) Sep 10, 2025

Show notes

What can you learn about leadership from someone who’s served four U.S. Presidents, navigated some of the most intense moments in American politics, and still believes the future depends on building more leaders, not fewer? In this Greatest Hits Week replay, Joe Saul-Sehy, OG, and Neighbor Doug welcome David Gergen—former White House advisor, Harvard professor, and author—to the basement for a masterclass on leadership that applies as much to your career and investments as it does to running a country.

Gergen pulls back the curtain on life inside the White House, from the early lessons he learned in the Navy to the behind-the-scenes moments that revealed the human side of Presidents. Along the way, he shares what separates great leaders from the rest, how to evaluate leadership in others (and yourself), and why service and responsibility are the cornerstones of lasting influence. Whether you’re leading a team at work, managing your family’s financial future, or just trying to be the kind of person others trust, you’ll find plenty here to sharpen your approach.

And because no visit to the basement is complete without some SB-style surprises, you’ll also hear stories of presidential humor gone sideways, a White House prank or two, and reflections on how good leadership isn’t about perfection—it’s about purpose. Plus, the guys tackle a listener question on investing without specific goals, and Doug tests the panel’s trivia chops with a leadership twist.

What You’ll Learn in This Episode:

How David Gergen defines real leadership (and how it’s changed over time)
The telltale signs you’re working with—or for—a great leader
Lessons from the Navy, the West Wing, and history’s most memorable leaders
Why building leaders is just as important as being one
Practical ways to evaluate leadership in politics, business, and investing
How a clear sense of service can make you a better investor and decision-maker

Questions for you while you listen (share with our Facebook group!):

Who’s the best leader you’ve ever worked for, and what made them stand out?
How do you evaluate whether someone is worth following—whether in politics, business, or life?
What’s one leadership skill you wish more people would develop?

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Spotting the Sharks: 5 Red Flags Your Financial Advisor Might Be Waving (SB1732) Sep 08, 2025

Show notes

Not all financial advisors are created equal—and some will steer you straight into the rocks while smiling the whole way. In this episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Neighbor Doug share the top five warning signs your advisor may not have your best interests at heart. From shady investment recommendations to fee structures that deserve a magnifying glass, we unpack the behaviors and practices that can quietly drain your portfolio.

This isn’t just about avoiding bad actors—it’s about knowing what great advice looks like so you can spot the difference. You’ll hear why “fun money” accounts can be a trap, how to sniff out overly speculative pitches, and why transparency isn’t optional when it comes to your financial future. Along the way, we sprinkle in a few stories, historical nuggets, and plenty of those classic “Doug moments” that make a trip to the basement worth your time.

If you’ve ever wondered whether your financial guide is truly on your side—or if you just want to sharpen your radar—this episode will give you the practical tools to tell the difference between a trusted partner and a wolf in a well-tailored suit.

What You’ll Learn in This Episode

The five biggest advisor red flags that should send you running
How to evaluate an advisor’s investment recommendations for risk and suitability
Why fee transparency can make or break a relationship
The subtle clues in an advisor’s office environment and interactions
The difference between fun money accounts and dangerous speculation
How to ensure your advisor’s plan matches your long-term goals

Questions to Think About:

When’s the last time you reviewed exactly how your advisor gets paid?
Are you clear on the why behind each investment they’ve recommended?
Would you feel confident explaining your advisor’s strategy to a friend—or does it sound like a foreign language?

This episode originally aired on August 2, 2023. Please disregard any mention of current events. You can find the original show notes here.

FULL SHOW NOTES: https://stackingbenjamins.com/how-to-spot-a-subpar-advisor-greatest-hits-week-1732

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!

Learn more about your ad choices. Visit podcastchoices.com/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Outsmarting Unintended Consequences: How Good Money Moves Don’t Go as Planned (SB1731) Sep 05, 2025

Show notes

Ever celebrate paying off a credit card…only to watch your credit score drop? Or ditch your budget for “simplicity” and find yourself ordering takeout three nights in a row? On this week’s episode of The Stacking Benjamins Show, Joe Saul-Sehy, OG, and Neighbor Doug welcome Paula Pant (Afford Anything) and Jesse Cramer (Personal Finance for Long-Term Investors) to explore why even the “right” financial moves can sometimes lead you straight into a banana peel.

From the hidden traps of credit scores and debt freedom to the way a shiny new credit card reward program can cost you more than you bargained for, this roundtable digs into the ripple effects that don’t make the brochure. We’ll tackle when “optimizing” your plan goes too far, how well-meaning programs can backfire, and why the metric you’re tracking might not be the one that actually matters.

Expect sharp insights, lively debate, and tips you can put into action—without getting tangled in the very strategies meant to help you. Because money confidence isn’t just about making the right moves…it’s about knowing what those moves might do next.

We'll Cover:

Why your credit score might drop after paying off debt—and why that’s not always bad news
How “budget hacks” can turn into budget headaches
The sneaky ways credit card rewards and government programs can backfire
Why tracking the wrong measure can lead to the wrong results
Practical steps to sidestep the unintended fallout from good decisions

Questions to Ponder During the Episode

What’s the most surprising “side effect” you’ve experienced after making a smart money move?
Have you ever optimized your budget or investment plan…only to regret it?
Which metric do you track most closely in your financial life—and is it actually the right one?

FULL SHOW NOTES: https://stackingbenjamins.com/unintended-credit-score-consequences-1732

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201

Enjoy!

Learn more about your ad choices. Visit podcastchoices.com/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.