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
  • Building Your Personal Finance Curriculum (At Any Age) SB1824

    Building Your Personal Finance Curriculum (At Any Age) SB1824
    Apr 3 2026
    Most of us were never taught this stuff. So, where do you actually start? Thirty-nine states now require a personal finance course to graduate from high school. That's real progress — and it still might not be enough. Because financial education isn't a one-time event. It's a living curriculum that has to grow with you, stay connected to your actual life, and — crucially — help you get out of your own way when things get emotionally charged. This week, Joe and the crew build that curriculum from the ground up. Whether you're 22 or 52, there's a starting point here for you. Ruben Miller — Financial advisor, founder of Paloma Capital, and author of the Fortunes and Frictions blog. Came from the investment world before financial planning, which means he sees the whole game differently and isn't afraid to say so on LinkedIn. Paula Pant — Afford Anything host, behavioral finance truth-teller, and the person who goes on record this week with a very confident guess about the trivia answer. OG — The basement's own financial planner, father of a teenager who wants to day trade, and enthusiastic opponent of giving the government any money he doesn't absolutely have to. On building the foundation: Why the first step in any financial plan is an honest accounting of where everything actually stands: income, spending, assets, debt, all of it What's coming up in the next three to five years and why that question matters more than any abstract retirement calculation Why teaching a 17-year-old about mortgages probably doesn't stick and what actually does The one thing traditional savings accounts do really well (hint: it's great for banks, not for you) Why your behavior matters more than your math and what to do about it On protecting what you're building: The insurance mistake most people make: spending too much protecting low-probability events and too little protecting high-probability ones Why disability insurance is more expensive than life insurance and what that price difference is actually telling you When improving your credit score should not be your priority (this one surprises people) Why debt is never really "good," just occasionally less bad On growing your money: What an investment philosophy actually is and why you need one before you pick a single fund The behavioral biases — recency bias, loss aversion, the availability heuristic — that make smart people do dumb things with their portfolios Why nobody ever thinks they're panicking. They just think the circumstances changed. Why taxes are a year-round event, not a February problem The financial media teaches you to chase. New strategy, hot sector, better fund. But the research keeps landing in the same place: most investors' biggest obstacle isn't information. It's themselves. The curriculum that actually helps isn't the one that covers the most ground. It's the one that connects to your real life, your real timeline, and the emotional triggers that quietly blow up even the best-laid plans. Start there. Everything else builds on top. Ruben joins the crew for the first time and immediately plays trivia on Jesse Cramer's behalf — which feels both generous and karmic, given that Jesse and his wife Kelly just welcomed a new baby into the world (on Jesse's birthday, no less). Doug brings the Eddie Murphy birthday trivia energy. Paula goes on record with a very confident guess. OG applies his usual ironclad logic to arrive at his number. Someone wins. Someone absolutely should not have said what they said out loud before the answer was revealed. MENTIONED / RESOURCES Ruben Miller's blog: fortunesandfrictions.com Paloma Capital: palomacapital.com Ruben on LinkedIn: search Ruben Miller Paula Pant: Afford Anything podcast, wherever you listen OG's calendar: stackingbenjamins.com/OG Wall Street Journal piece on personal finance requirements by state New to the basement? Subscribe so you never miss an episode — and if this one made you want to finally build your own financial curriculum, that's the whole point. FULL SHOW NOTES: https://stackingbenjamins.com/looking-at-your-money-report-card-1824 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 8 m
  • You Don't Need a Big Break to Become a Millionaire -- You Need a Better System (SB1823)

    You Don't Need a Big Break to Become a Millionaire -- You Need a Better System (SB1823)
    Apr 1 2026
    Bola Sokunbi didn't start with advantages. She started with a $54,000 salary she never negotiated, a rollover IRA mistake that cost her 40% of her savings, a tenant who stopped paying rent for eight months, and a first year of business that generated exactly $200. She's also built one of the most influential personal finance brands in the country and helped millions of people on the path to becoming millionaires. The gap between those two things isn't luck. It's four pillars -- and she walks through all of them today. What You'll Walk Away With The four wealth-building pillars that work in any combination -- and why you only need one to start Why negotiating your salary isn't about being aggressive -- and the simple strategy Bola used to close a gap between $54,000 and the $70,000+ her peers were already making for the same work The rollover IRA mistake that cost Bola nearly 40% of her retirement savings in a single tax year -- and exactly how to avoid it Why the investing pillar isn't just a 401k -- and the specific questions to ask yourself to know if you're actually maximizing it The honest truth about real estate as a wealth-building vehicle -- including what Bola learned from eight months of unpaid rent and a judge who heard everything How to get into real estate investing without ever becoming a landlord The entrepreneurship timeline nobody posts on social media -- and the financial runway strategy that lets you build a business without blowing up your household finances Why the four pillars aren't meant to be pursued one at a time -- and how stacking them together is where the real wealth acceleration happens The one mindset shift that separates people who build wealth from people who keep waiting for the right moment Why starting late is a story we tell ourselves -- and what the math actually says about investors who begin in their 40s or 50s Why This Matters Now If you're in your 40s and you've been doing the right things -- contributing to the 401k, avoiding bad debt, building some savings -- but still feel like the millionaire milestone is someone else's story, this episode is the reframe you didn't know you needed. Wealth at this stage isn't about finding a better investment. It's about understanding which pillars you already have, which ones you're leaving on the table, and how to combine them in a way that fits your actual life. From the Basement Bola Sokunbi joins Joe and OG to walk through the four pillars of her new book, Clever Girl Millionaire -- and yes, the guys are allowed in today. Doug arrives with April Fools trivia involving the Tower of London and a very old prank about lion-washing that somehow still worked on Londoners in 1856. Joe and OG also spend the headline segment making what is either a very compelling case for strategic debt -- or the most elaborate April Fools bit in Stacking Benjamins history. The basement scoreboard had nothing to do with any of it. Resources Mentioned Clever Girl Millionaire by Bola Sokunbi -- available wherever books are sold Clever Girl Finance -- free courses, worksheets, and resources at clevergirlfinance.com Clever Girl Finance on YouTube and Instagram -- @CleverGirlFinance Grind by (coffee shop founder) -- referenced by Joe during the entrepreneurship discussion Stacking Benjamins Scorecard -- assess your financial strategy at stackingbenjamins.com/scorecard Stacking Benjamins Meetups -- find a local group at stackingbenjamins.com/bad Live Show -- Stacking Benjamins and Afford Anything joint live recording, April 7th at Texas A&M Texarkana; details at stackingbenjamins.com/meetup FULL SHOW NOTES: https://stackingbenjamins.com/clever-girl-how-to-become-a-millionaire-1823 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 6 m
  • What to Do With Your Money When the Market Is Scaring Everyone Else (SB1822)

    What to Do With Your Money When the Market Is Scaring Everyone Else (SB1822)
    Mar 30 2026
    Markets are down. Social media is loud. And somewhere in the back of your mind, a voice is asking if you should do something. That voice has cost investors more money than any bear market in history. Joe and OG dig into what actually separates disciplined investors from everyone panic-refreshing their brokerage account -- and how to build the guardrails that keep you from making the one mistake that derails everything you've built. What You'll Walk Away With Why the average intra-year market decline is 14% -- and what that means for how seriously you should be taking a 5% dip right now The real reason financial news channels make you feel like you need to act -- and how understanding their business model changes everything How to build a simple investment policy statement that removes emotion from the equation before the next market drop hits Why setting arbitrary calendar dates to review your portfolio might be the single most underrated investing strategy available to anyone The case for checking your portfolio less often -- including a real example of how last April's market chaos looked completely different depending on how often you were watching How to set automatic triggers that tell you when it's actually time to rebalance -- so you're never guessing in the middle of a storm A powerful perspective shift: look at your tax returns from 2003 or 2010 and then look at your balance today -- what that exercise does to your decision-making in volatile markets Why your only real job as a long-term investor is to not interrupt the compounding -- and how systems make that easier than willpower ever could A four-factor framework for calculating exactly how much emergency fund you actually need -- built around your income, job stability, reemployment risk, and expense flexibility Why the standard three-to-six month emergency fund rule is the wrong starting point -- and what a personalized risk-based approach looks like instead Why This Matters Now If you're in your 40s and you've been building toward something -- a retirement account that finally has real weight to it, a financial plan that took years to assemble -- a volatile market feels personal. Because it is. The stakes are higher than they were in your 30s and the noise is louder than ever. The investors who come out ahead aren't the ones who reacted fastest. They're the ones who had a plan written down before things got uncomfortable. From the Basement Joe and OG work through what a real investment policy statement looks like in plain language -- rules, triggers, and all. OG and Anna return with the second installment of the financial planning basics series, this time tackling exactly how much emergency fund you need using a four-factor framework that replaces the three-to-six month rule of thumb with something actually built around your life. Doug arrives with insurance trivia that is technically about premiums and practically about Joe's unregistered vehicle situation in Texarkana. Whether the basement scoreboard survived the week is a separate matter entirely. Resources Mentioned JP Morgan Guide to the Markets -- monthly research report tracking S&P 500 returns and intra-year declines (Google "JP Morgan Guide to the Markets" for the latest edition) Stock Market Maestros by Claire Flynn Levy and Lee Freeman-Shor -- referenced throughout; available wherever books are sold SSA.gov -- Social Security earnings history lookup, referenced as a tool for tracking long-term financial progress Stacking Benjamins Scorecard -- rate your overall financial strategy at stackingbenjamins.com/scorecard Stacking Benjamins Vault -- budgeting and net worth tracking tool at stackingbenjamins.com/vault Stacking Benjamins Voicemail -- share your investment policy statement questions at stackingbenjamins.com/voicemail Stacking Benjamins Meetups -- find a group near you at stackingbenjamins.com/bad FULL SHOW NOTES: https://www.stackingbenjamins.com/how-to-protect-your-money-for-when-times-turn-bad-1822/ 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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    50 m

Featured Article: Stay Up to Date and Informed with the Best News Podcasts of All Time


In a world where breaking news headlines change hourly and we're inundated with constant notifications, articles, news blasts, and think pieces, it can be difficult to simply keep up with what's going on in the world—let alone make sense of it. That’s where podcasts come in. Ranging from global and breaking news to politics, art, and finance, these shows are hosted by experts in their fields. No matter what your interests, there's a podcast for you.

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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