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The Stacking Benjamins Show

The Stacking Benjamins Show

By: StackingBenjamins.com | Money Podcast | Cumulus Podcast Network
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About this listen

 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 Economics Personal Development Personal Finance Personal Success
Episodes
  • How to Find the Money Leaks Hidden in Your Financial Statements (SB1833)

    How to Find the Money Leaks Hidden in Your Financial Statements (SB1833)
    Apr 24 2026
    Most people glance at their balance and move on. Joe Saul-Sehy, OG, Paula Pant, and Jesse Cramer argue that's exactly where the money quietly disappears. This week they go statement by statement, credit card through brokerage, and share what actually deserves your attention and what you can safely ignore. In this episode: The one thing on your credit card statement that trips up even careful spenders, why focusing on your 401k rate of return is the wrong move, the underinsured coverage gap most homeowners and drivers don't know they have, and the tax planning opportunities hiding inside your brokerage account. Biggest takeaways: Sort your credit card transactions highest to lowest. The leak with a comma in it will find you faster than you'll find it. Your 401k contributions matter more than your returns. Contributions are within your control. Returns aren't. Check that your payroll deductions are actually landing in the account, because the IRS does not look kindly on companies that miss that. Check your homeowner's insurance rebuild value every few years. Labor and material costs have changed dramatically. If you bought your policy when you bought your house and never revisited it, there is a good chance you are significantly underinsured. In a taxable brokerage account, understand whether you're holding short-term or long-term gains before you make any moves. The difference in what you'll owe can be substantial. Also in this episode: Jesse Cramer previews an upcoming episode of Personal Finance for Long-Term Investors on why target date funds may be underperforming by more than you think. Resources mentioned: Jesse Cramer's podcast: Personal Finance for Long-Term Investors Paula Pant's podcast: Afford Anything The Stacking Benjamins scorecard: stackingbenjamins.com/scorecard The Vault: stackingbenjamins.com/vault Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    56 mins
  • Bitcoin, Blockchain, and the Stuff Nobody Actually Explains (SB1832)

    Bitcoin, Blockchain, and the Stuff Nobody Actually Explains (SB1832)
    Apr 22 2026
    Blockchain. Stablecoins. Wallets. Staking. Halvings. If you've spent the last few years nodding confidently through crypto conversations while quietly hoping nobody asks a follow-up question -- this episode is for you. Retired anesthesiologist and trading veteran Joe Duarte went from crypto skeptic to informed pragmatist, and today he brings the plain-English breakdown that most crypto content assumes you don't need. No hype. No moon talk. Just the vocabulary, the mechanics, and the honest risks. What You'll Walk Away With What blockchain actually is -- stripped of the jargon and explained in one sentence that actually sticks The real difference between Bitcoin and Ethereum -- and why understanding those two unlocks everything else What a stablecoin is, why it exists, and the one comparison that finally makes it click The three crypto exchanges worth knowing -- and why starting with the big names isn't just convenient, it's genuinely safer Hot wallets, cold wallets, and mobile wallets explained -- and which one makes the most sense if you're just getting started What staking is, what mining is, and why neither one is your first move as a beginner How crypto actually moves -- the liquidity connection most investors miss entirely The tax trap that catches crypto beginners off guard -- and why your record keeping has to be airtight from day one Why ETFs might be the smartest way for most Stackers to get crypto exposure without the operational headaches The long-term care reality hiding in this episode -- and why 80% of people will eventually face a cost their current plan doesn't account for Why This Matters Now Whether you've been crypto-curious for years or you've actively avoided the conversation, the landscape has changed enough that staying completely uninformed carries its own risk. Regulation is arriving, major brokerages now offer access, and the vocabulary has leaked into mainstream financial planning. You don't have to become a believer -- but understanding what you're looking at puts you in a much better position to decide whether any of it belongs in your financial life. From the Basement Joe Duarte joins Joe and OG to translate the crypto dictionary for everyone who's been faking it at dinner parties for the last decade. In the headline segment, Joe and OG dig into a sobering new AARP report on long-term care costs -- and the conversation gets uncomfortably real about what most retirement plans are quietly missing. Doug arrives with trivia about the Bitcoin halving process, which turns out to have a name that required approximately zero creativity to invent. Whether the basement scoreboard reflects informed decision-making or something closer to Doug's personal net worth is a question best answered with your earbuds in. Resources Mentioned Cryptocurrency 101 by Joe Duarte -- available wherever books are sold, with deals currently running on Amazon Coinbase -- coinbase.com, recommended starting point for US-based crypto beginners Kraken -- kraken.com, noted for advanced trading tools alongside beginner access Binance -- binance.com, largest global exchange; noted history with US regulators worth researching NFCI Index -- Chicago Fed's National Financial Conditions Index, useful for tracking crypto-correlated liquidity at chicagofed.org Genworth Cost of Care Study -- annual long-term care cost data by state at genworth.com AARP Long-Term Care Report -- linked in show notes at stackingbenjamins.com Stacking Benjamins Scorecard -- stackingbenjamins.com/scorecard Stacking Benjamins Vault -- stackingbenjamins.com/vault Stacking Benjamins Newsletter (The 201) -- stackingbenjamins.com Hegemony board game -- referenced by Joe post-show; details at hegemonyproject.com Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    1 hr and 18 mins
  • The Tax Triangle Most Investors Have Never Heard Of (SB1831)

    The Tax Triangle Most Investors Have Never Heard Of (SB1831)
    Apr 20 2026
    Most people think about investing in terms of what to buy. Joe Saul-Sehy, OG, and CFP Anna Allem argue the more important question is where you put it. This week they break down the three-bucket tax triangle that could save you thousands in retirement, plus answer listener questions on Trump accounts, UTMAs, and how to pull together a home down payment when your money is locked up in all the wrong places. In this episode: The difference between pre-tax, brokerage, and tax-free investing and why you need all three, what the new Trump account actually does and who it makes sense for, how to build a home down payment when your assets are tied up in retirement accounts, and why flexibility in your tax strategy matters as much as the investments themselves. Biggest takeaways: Draw a triangle. Label each corner pre-tax, brokerage, and tax-free. Then draw your buckets to scale based on where your money actually sits. If one bucket dwarfs the others, that's your problem to solve before you touch anything else. The Trump account is not a traditional IRA, despite what the website implies. Money goes in after tax, grows tax deferred, and comes out taxable. For most people with a 529 and an UTMA already in place, keep going with what you have. When your money is locked in retirement accounts and you need a down payment, the math has two sides. What does pulling it out cost you today in taxes and penalties, and what does it cost you in thirty years of lost compounding? Know both numbers before you decide. Resources mentioned: Episode 1808 on help eliminating hospital bills (on navigating medical bills and hospital assistance programs) The Stacking Benjamins scorecard: stackingbenjamins.com/scorecard The Vault: stackingbenjamins.com/vault Submit your question: stackingbenjamins.com/yelldownstairs Learn more about your ad choices. Visit podcastchoices.com/adchoices
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    57 mins
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