The Stacking Benjamins Show Podcast By StackingBenjamins.com | Cumulus Podcast Network cover art

The Stacking Benjamins Show

The Stacking Benjamins Show

By: StackingBenjamins.com | 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 Economics Personal Development Personal Finance Personal Success
Episodes
  • Is the 4% Rule In Play? (SB1702)

    Is the 4% Rule In Play? (SB1702)
    Jun 30 2025
    How much can you really spend in retirement without running out of money—or worse, running out of fun? In this deeper-than-usual dive, Joe Saul-Sehy and OG examine the classic 4% retirement rule and whether it’s time for an upgrade. With new commentary from Bill Bengen, the original architect of the 4% rule, the team explores emerging research that suggests a withdrawal rate closer to 5.5% might be possible—if you’ve got the right mix of investments, a solid plan, and a bit of courage. But we don’t stop there. Because with greater freedom comes greater risk (especially if you're leading with vibes instead of strategy). The guys tackle the sequence of returns risk that can derail early retirement years, and how to build a portfolio that helps you sleep at night—even during a market storm. Meanwhile, Doug drops in with an unexpected (and very British) culinary experience, Joe fields a listener question comparing financial plans to workout routines (is your Roth IRA doing enough reps?), and yes... we revisit our fan-favorite segment on how food waste is wrecking your budget. Why the 4% rule might be too conservative (or maybe just outdated). What diversified portfolios and asset class strategy have to do with a longer-lasting nest egg. How to prepare for market downturns before they happen—and what to do if you're already in one. Why retirement joy isn’t just about spreadsheets—it’s about the psychology of spending with confidence. Which type of green tea is the superior kind (depending on which side of the TikTok aisle you're on). How to reduce food waste and put that extra savings toward your bigger financial goals. If you’re approaching retirement—or even just dreaming about it—understanding how much you can safely spend without sabotaging your future is the question. This episode combines historical insight with today’s market realities to give you the real math and mindset you need to retire well…and maybe even with a smile. FULL SHOW NOTES: https://stackingbenjamins.com/problems-with-the-4-percent-rule-1702 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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    58 mins
  • Are Money Gurus Feeding Us Lies? (SB1701)

    Are Money Gurus Feeding Us Lies? (SB1701)
    Jun 27 2025
    Can you really build wealth with a simple formula? Do you need a budget to succeed financially? Should you cut up all your credit cards, or is that just a dramatic TikTok trend? In this episode of The Stacking Benjamins Show, Joe Saul-Sehy is joined by Paula Pant, Doc G (Jordan Grumet), and Jesse Cramer for a roundtable discussion that peels back the truth behind popular advice from so-called financial “gurus.” The conversation is rooted in a provocative blog post by Christine Luken that calls out four common money mantras—and the team dives into each one with classic basement wit, spirited debate, and hard-earned wisdom. Topics on the table: Do you really need a budget, or can you thrive without one? Are rigid financial formulas helpful or harmful? Is willpower the key to financial success—or just a scapegoat? Does cutting up credit cards actually solve your spending problems? Along the way, you'll hear banana jokes (yes, multiple), a heated trivia contest about obsolete technology (looking at you, LaserDisc), and some good-natured trash talk that might just surprise you with how insightful it gets. This episode is packed with nuance, laughs, and practical takeaways for Stackers who are tired of the one-size-fits-all guru approach. Whether you’re team budget or team spreadsheet freestyle, there’s something here for you—plus a solid reminder that when it comes to personal finance, the best advice is the advice that fits your life. FULL SHOW NOTES: https://stackingbenjamins.com/lies-damn-lies-and-statistics-1701 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 hr
  • Your Questions Answered: Saving, Investing & Estate Planning, Stacker Style (Episode 1700!!!)

    Your Questions Answered: Saving, Investing & Estate Planning, Stacker Style (Episode 1700!!!)
    Jun 25 2025
    What’s the best way to save for a house without wrecking your retirement plan? That’s just one of the big questions Joe Saul-Sehy, OG, and Mom’s neighbor Doug tackle in this packed episode (number 1700!) of Stacking Benjamins. Whether you're trying to figure out where to park your emergency fund, how to handle inherited IRAs, or how to financially plan as a single adult with big responsibilities (hello, aging parents!), this episode is full of relatable scenarios and actionable strategies. Stackers Torin, VJ, Lori, and Michelle ask everything from: How much is too much in your emergency fund? What happens to inherited IRAs when you're already juggling financial priorities? What should single people be doing right now to prepare for the future? How do you juggle helping aging parents while keeping your own goals on track? Plus, we mix in commentary from Kevin at Edward Jones and longtime listener Ron—offering insights from inside the financial services world and the Stacker community. The guys debate personal finance media narratives, give practical advice for budgeting large windfalls, and reflect on why saving feels easier in theory than in practice. Also covered in this episode: Why financial advice often skips over single individuals—and what to do about it Emergency fund strategies: where to park the money, how much to keep, and how to make peace with the fact it isn’t earning sky-high returns How to prioritize debt, student loans, savings, and investing without setting off a financial anxiety spiral The value of short-term tradeoffs when you’ve got long-term goals All delivered with the basement’s signature charm—where the coffee is lukewarm, the guidance is practical, and the jokes… well, let’s just say they’re dividend-eligible. This episode is a perfect listen for: New Stackers building their financial foundation DIYers trying to juggle competing money goals Anyone who’s inherited assets and doesn’t want to mess it up People who’ve realized adulting is basically managing 14 financial priorities at once and still remembering to bring snacks. FULL SHOW NOTES: https://stackingbenjamins.com/answering-your-questions-mailbag-1700 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 hr and 4 mins

Featured Article: The Best Investing Podcasts to Help You Build Your Portfolio


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Featured Article The Best Investing Podcasts to Help You Build Your Portfolio
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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"

it would be way better if they cut out the garage.

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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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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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fun personal finance with good information and bad jokes I love all of it !

great show

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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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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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