The Stacking Benjamins Show Podcast Por StackingBenjamins.com | Money Podcast | Cumulus Podcast Network arte de portada

The Stacking Benjamins Show

The Stacking Benjamins Show

De: StackingBenjamins.com | Money Podcast | Cumulus Podcast Network
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Named the Best Personal Finance Podcast by Bankrate.com and Kiplinger, The Stacking Benjamins Show features a light and friendly tone. Hosts Joe Saul-Sehy and OG aim to make financial literacy fun for all as they sit around the card table in Joe's Mom's half-finished basement and talk with experts about personal finance, saving, investing, and important money trends. As Fast Company once wrote, the Stacking Benjamins podcast "strikes a great balance of fun and functional." So join Joe and OG every Monday, Wednesday and Friday as they read your letters, discuss major headlines, and throw in some trivia and laughs for free.2023 SB Podcast LLC | Cumulus Podcast Network Desarrollo Personal Economía Finanzas Personales Éxito Personal
Episodios
  • What to Build After You Hit "The Retirement Number" (SB1817)

    What to Build After You Hit "The Retirement Number" (SB1817)
    Mar 18 2026
    What if reaching financial independence was the easy part? Amy Minkley spent years optimizing toward her number — then hit it and discovered something nobody's spreadsheet prepares you for: freedom without purpose feels surprisingly empty. She joins Joe and OG to talk about what actually fills the gap: community, meaning, and building something instead of just escaping something. Then the basement crew gets practical. Because even the most purpose-driven life still needs its foundations. Joe and OG break down the one emergency fund mistake that quietly undoes years of good planning — and how to fix it before it matters. Amy Minkley — FI traveler, community builder, and living proof that the goal was never really the number. On redefining FI: Why "hit the number and quit" is being quietly replaced by something more sustainable — and more honest The unexpected emptiness many people feel after reaching FI, and what actually fills it Why retirement works better as a redesign than an escape How building something — not just saving something — creates momentum, meaning, and sometimes new income Why real financial confidence comes from community and conversation more than any spreadsheet On emergency funds (the part everyone gets wrong): Why your emergency fund should be built around essential expenses — not income — and how that one shift changes everything The two factors most people skip entirely: job stability and realistic income-replacement timeline Why credit lines tend to fail you at exactly the wrong moment The right range for emergency savings — and how to avoid the trap of holding too much cash "just in case" For a lot of people in their 40s, the question has quietly shifted from "Can I retire someday?" to "What am I actually building?" FI isn't just an escape from work anymore — it's a design problem. And the people figuring it out fastest are the ones pairing big-picture purpose with boring-but-critical foundations: the right emergency fund, the right community, and a clear answer to what they're running toward. Doug arrives with trivia and — in a surprise result — silver has a moment. Joe and OG tie Amy's story back to the practical stuff, because the most intentional life still needs a financial floor underneath it. Whether you're chasing FI, redefining it, or just trying to understand your emergency fund math, the basement crew has you covered. Amy's retreat: https://fifreedomretreats.com Subscribe so you never miss an episode. Leave a review if the basement has ever saved you from a bad financial decision. (You know who you are.) FULL SHOW NOTES: https://stackingbenjamins.com/your-journey-to-fi-with-amy-minkley-1817 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
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    59 m
  • The One About 401k Loans (and How To Stay Away From Them) SB1816

    The One About 401k Loans (and How To Stay Away From Them) SB1816
    Mar 16 2026
    A 401(k) loan often looks harmless. You're borrowing from yourself, the interest comes back to you, and you'll pay it back before it matters -- right? But the fastest way to protect your retirement isn't understanding how loans and hardship withdrawals work. It's building a financial life where you almost never need them. Joe and OG dig into why more people are tapping retirement accounts than ever, and what confident investors quietly do differently. What You'll Walk Away With Why the biggest retirement threat isn't the loan itself -- it's the system that made the loan feel necessary The subtle ways a 401(k) loan can quietly erode long-term growth even when you pay every cent back on schedule How hardship withdrawals actually work, when the IRS gets involved, and why they're almost always the last move you want to make The career risk hiding inside every 401(k) loan -- and what happens when a job change turns your repayment timeline upside down A simple "tripwire" buffer for your checking account that gives you an early warning before spending drifts into dangerous territory How expense creep quietly pushes otherwise disciplined savers toward retirement withdrawals -- and the quick audit that catches it early A surprisingly effective way to use exported spending data and AI tools to surface budget leaks you've completely stopped noticing Why a properly built emergency fund functions like a circuit breaker between life's surprises and your retirement account The real situations where people most often raid retirement savings -- and the smarter alternatives that keep your long-term plan intact A beginner-friendly framework for grading your financial life across six core areas before small cracks become expensive problems Why This Matters Now Your 40s are often your highest-earning years -- and your most financially complicated ones. Rising costs, family obligations, and career uncertainty can make even disciplined savers feel the pull toward retirement money. The goal isn't just knowing the rules around 401(k) loans. It's building the habits and buffers that make raiding your future self's account something you simply never have to consider. From the Basement Joe and OG dig into fresh data showing more retirement accounts getting tapped just as the stakes are highest. Doug shows up with trivia that has no business being as competitive as it gets. The crew also pulls back the curtain on a new beginner-friendly series built to help Stackers pressure-test their entire financial foundation -- because the best retirement strategy was never about knowing when to borrow from yourself. FULL SHOW NOTES: https://stackingbenjamins.com/how-to-build-good-money-habits-1816 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
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    1 h y 12 m
  • Why Doing Less With Your Money Is the New Investing Edge (SB1815)

    Why Doing Less With Your Money Is the New Investing Edge (SB1815)
    Mar 13 2026
    Millennials didn't just change how people invest -- they changed what investing even looks like. Cheaper, faster, more automated, and occasionally more dangerous than anything that came before. The real question isn't whether to adopt their habits. It's which ones are actually building wealth and which ones are quietly lighting your portfolio on fire. Joe, OG, Jen Smith (Frugal Friends), and Doc G (Earn & Invest) sort the signal from the noise. What You'll Walk Away With The quiet Millennial investing shift that made building wealth more accessible than any generation before them -- and why most people missed it Why automation may be the single most powerful tool in your financial stack, and the one condition that turns it against you The difference between technology built to help you invest and technology built to keep you tapping the trade button How budgeting apps can create real spending clarity -- or accidentally trigger what the crew calls "procrasti-spending" Why fewer investment decisions often outperform more of them, and what the research actually says The hidden cost of frictionless trading and why the winning move is sometimes the most boring one available Where to take big swings if you want outsized rewards -- and why your long-term portfolio probably isn't the right arena How Millennials are diversifying beyond just assets, and what that broader thinking means for investors in their 40s The honest tension between values-based investing and long-term returns -- and how serious investors are navigating it without sacrificing either What growing portfolio customization actually means for everyday investors who aren't managing millions Why This Matters Now If you're in your 40s, you've watched an entire new financial infrastructure get built around a generation younger than you -- and you may be wondering what's worth borrowing. More access and more information don't automatically produce better outcomes. Knowing which Millennial habits genuinely compound over time, and which ones just feel productive, is the kind of edge that shows up in your account balance a decade from now. From the Basement OG makes his case for patience (again), Doc G steers things toward the bigger life picture, and Jen Smith grounds the conversation in the money habits real people actually use. Doug surfaces a trivia question involving a NASA probe budget -- and whether you think you know the answer or not, the basement scoreboard has a way of humbling even the most confident Stacker. 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
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    1 h y 11 m

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Featured Article Stay Up to Date and Informed with the Best News Podcasts of All Time
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I like how the show discusses meaningful topics in a humorous way. It leaves me with things to think about and ways to improve my life.

Interesting and helpful

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This is not a personal finance show. It's a talk show with people who may or may not know anything about personal finance having a good time.

Get ready to not learn anything. But leave with a chuckle or two.

Fun lighthearted shoe

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If you live in the world of personal finance you know that information can get repetitive. This podcast breaks up the monotony with humor and current events. Joe and OG are cutting edge. Well worth the time to listen.

Awesome Podcast

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I'm leaving my original review because i want people to understand where I started vs where I am now. This podcast is one of my go to podcasts 3 days per week. I couldn't understand before that this podcast is an attempt to bring people that are not finance nerds into the fold. They bring small nuggets of finance to people that find it normally boring. This is a great introduction to finances with a humorous side. I find myself always siding with OG. He is cut and dry one sided, but Joe is willing to look at it with a real world view. Doug is an awesome addition to the group that makes me laugh every time.


I had high hopes for this podcast, but they run their mouths about nothing important for the majority of the shows. This is a financial show that 4 minutes are finance related content. I hope the book this guy wrote is better than his podcast and not full of all the extra garbage. Drop the BS and stick to finance or change the name to "the random useless info show"

Take the time to listen

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I found this podcast after seeing multiple good reviews on Reddit. I picked an episode at random to listen to on my commute. The first 25 minutes were ads, a discussion about Adam West as Batman, a long talk about fire safety, a trivia question about Dave Thomas of Wendy's, and more ads. All of this before the guest and topic of the episode are mentioned at all. It was a complete waste of time.

Waste of time

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