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The Stacking Benjamins Show
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The Stacking Benjamins Show

Author: Joe Saul-Sehy

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Live, from Joe's mom's half-finished basement....listen to a parade of financial headlines, personal finance experts, creatives, and people with stories that inspire us. Every Monday, Wednesday, and Friday, hosts Joe Saul-Sehy & OG meet at the card table and bring you guests, trivia, your letters about saving, investing, and risk management, and much more. Academy of Podcast winner for "best business podcast of the year," 2017 Plutus award winner for "best personal finance podcast," and Kiplinger magazine's only recommended personal finance podcast.
517 Episodes
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How to Hire The Perfect Advisor (for you), with Nicholas Stuller
Finding the right person to help you make your best financial moves is a giant exercise in trust. How do you know an advisor is perfect for you? On that note, how do you know the advisor is right for anyone? What questions can you ask to avoid the wrong relationship? There are a thousand questions you could ask... but the bottom line is this: How do you hire the right person to help you manage your financial decisions? Coming onto the show today is the man with many answers, the author of How to Find the Perfect Advisor, Nicholas Stuller. By the end of the conversation, you'll know what you should watch out for and have the confidence to make the right decision when it comes to hiring a great advisor. Plus, in our headlines segment, we'll take a look at marijuana stocks. These types of stocks continue to see a huge inflow of cash, but could investing in a marijuana stock create some big unintended consequences? We'll cover one piece that details the repercussions you could face by throwing even a few dollars of fun money into the wrong investment. Later on we'll throw out the Haven Life Line to JB, who's looking for the pros and cons of choosing one method of retirement investing over another. What should investors be looking at when deciding on how to invest their retirement funds? We'll also answer a letter from Mark, who's looking for advice on if he should convert his traditional IRA to a Roth IRA. As always, we'll still save some time for Doug's (completely epic) trivia. Thanks to Airbnb for supporting Stacking Benjamins. Go to Airbnb.com/SB and start hosting. You’ll receive a $100 Amazon Gift Card if you generate $500 in booking value by May 30. Terms and conditions apply.
How Do I Pay Off My College Debt? Plus, FIRST No-Fee ETF (with David Carlson)
Does it feel like it'll be an eternity until you've finally finished off your student loans? Maybe you're one of the nearly two-thirds of Americans who wonder how they'll ever pay off their loans. Student loans can be a burden for years after you've walked across the stage for a diploma, and it's one expense no one would miss from their monthly budget. And while money and enough time will eventually take care of your student loans, we expect you don't want to wait to be anchored down for a good portion of your working life. So to help you pay down your loans more quickly, today, we welcome special guest David Carlson. David has been in the all-too-known position of having to pay down lots of student loan debt... but he figured out a solution to pay it off. Now he's teaching his process to us. Plus, in our headlines segment, one FinTech company that you've probably heard of is rolling out fee-free exchange-traded funds. Surely it's time to jump ship and invest in them, right? In our second piece, we're looking at one MarketWatch publication about how a manager earns his profits: from other investors' mistakes. Later on we'll throw out the Haven Life Line to Matt, who is relocating from Texas to Louisiana. Texas does not have a tax on income, while Louisiana does. Can Matt hold off on his retirement contributions so that he can reduce his earned income in Louisiana? And in our letter's segment, Duncan wants to know if he should take out a small loan to max out his Roth IRA for the year. He's only 30, so he has plenty of time left to minimize risk. As always, we'll still save some time for Doug's (completely epic) trivia. Thanks to Molekule for supporting Stacking Benjamins. Get $75 off your first order at Molekule.com with our promo code: SB. Thanks to Skillshare for supporting Stacking Benjamins. For 2 months of Skillshare FREE, visiting Skillshare.com/SB.
Earning More By Doing Less (with David Hause)
Are you aggressively striving for your financial goals? Putting in the time to make your dreams come true? Are you sure you're NOT going to let anything stand in your way when it comes to securing a nice retirement and a fantastic nest egg? Here's a question: when are you working TOO hard toward your goal? How do you know when you've gotten TOO caught up in the rat race? On today's show, we sit with entrepreneur David Hauser, who's built and sold two successful businesses, but who also has been overworked, unhappy, and unhealthy. Early on, David was used to a 100+ hour week, a lifestyle of unhealthy eating, and not a lot of physical activity. After a 10 year journey of self improvement, David has found a work-life balance that not only satisfies his financial needs but his personal ones as well. As you'll hear in the interview, being all about the Benjamins doesn't necessarily mean you need to sacrifice the other important parts of your life. Plus, in our headlines segment, how much do you spend on subscriptions? Today Joe talks to Andy Kerns from Digital Third Coast. Partnering with Waterstone to conduct the study, Andy's team looked into the relationship that America has with subscription services. Is it destroying your bottom line? We'll also dive into a piece on how the new crop of financial planners are trained... should more financial firms be looking at a residency program? Later on we'll throw out the Haven Life Line to Roxanna, who's only partially vested in a 401k at her old workplace. Could she have problems getting her cash down the road? On the letter's side of things, Tearar wants to get some ETFs in her workplace's SIMPLE IRA, but is getting pushback. What's the deal? As always, we'll still save some time for Doug's (completely epic) trivia. Thanks to Molekule for supporting Stacking Benjamins. Get $75 off your first order at Molekule.com with our promo code: SB. Thanks to Grammarly for supporting Stacking Benjamins. For 20% off a Grammarly premium account, go to Grammarly.com/sb.
What Financial Terms Should You Know? (with an intro to the Destiny app)
401k? Roth? Dollar cost averaging? Market timing? Target-date funds? Choosing to take responsibility for your financial well-being is often a difficult choice, and it's not made any easier by the long list of jargon that comes attached to being money savvy. That's why on today's show we're breaking down all the words and definitions that'll have you scratching your head as you try to get your budget and retirement plan on the right track. Joining our awesome panel of contributors today (alongside our very own OG, and Paula Pant from Afford Anything) is Nate Abercrombie, from the Investing with the Buyside podcast. Halfway through the show, we'll take a small break from our discussion for our Friday Fintech segment. On today's segment, Joe sits down for a call with Parker Graham from the Destiny App. Do you want to pay off your debt faster (of course you do!), but also get the small wins from the debt snowball method? We'll explore how the Destiny App is setting out to give you the best of both worlds on today's Fintech. Plus, we'll throw out the Haven Life Line to Kristen. Kristen and her husband are high-income earners but are putting two kids through college. They're also carrying a mortgage and a car loan... with no retirement savings. Where should Kristen and her spouse put their focus as they realign their priorities? As always, we'll still save some time for Doug's (completely epic) trivia. Go to Airbnb.com/SB and start hosting. You’ll receive a $100 Amazon Gift Card if you generate $500 in booking value by May 30. Terms and conditions apply. Thanks to the Murder Book Podcast for Supporting Stacking Benjamins. Go to MurderBookPodcast.com to listen in.
Mortgages 101 (plus: your subscriptions are killing you)
Whether you've never purchased a home before or just don't know much about the process, we've got a treat for you today. We're going to dive into everything mortgages 101 today, like PMI, the negotiability of fees, and the lie that everyone quoting rates is telling (those rates "might not be what you think they'd be.") On today's show we welcome the guy who's teaching us everything millennials need to know about mortgages, Jeff VanNote. During our headlines segment, we'll start with one piece detailing how Americans would spend a life-changing sum of money. Do you know how you would spend yours? In our second headline, we talk to head of retirement research from Carson Wealth, professor Jamie Hopkins. Could you be on the hook for your parents' long term care? Plus, in a special third headline, one Florida man received a $980,000 tax refund. Before you start asking how you can cash in as he did, you'll want to find out the rest of that story. Later on, we'll field a Haven Life Line call from Michael, who has $5,000 in savings. He's put in about $500 into Acorns so far to start investing, but should he be doing more? And in our letter segment, Allen tells us how he's been socking away $100 per month since his daughter has been born. She's going off to college in a couple of years, and Allen wants to keep socking away $100 for her in a Roth IRA once she graduates. Where's the best place to start the account? As always, we'll still save some time for Doug's (completely epic) trivia. Thanks to MagnifyMoney.com for sponsoring Stacking Benjamins. MagnifyMoney.com saves users on average $450 when they compare, ditch, switch and save on credit cards, student loan refinancing, checking, savings and more. Check out MagnifyMoney.com for your savings. Thanks to LinkedIn for supporting Stacking Benjamins.  Go to LinkedIn.com/sb and get a $50 credit toward your first job post.
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Comments (3)

Joe Reed

Katie didn't have a very good recruiter

Mar 21st
Reply

Joe Reed

I thought the headline was a joke. Did she really know what show she was going on? awesome trivia today

Sep 27th
Reply

Gabriel K Jones

Gentlemen, I will to disagree with the concept of over saving. Being prepared is never a bad idea, being prepared without a plan can be detrimental. Don't you agree?

May 19th
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