The Stacking Benjamins Show - podcast cover

The Stacking Benjamins Show

Joe Saul-Sehy and Josh ‘OG’ Bannerman, CFPart19.com

Named Best Personal Finance Podcast by Bankrate.com and Kiplinger — and the only podcast the Plutus Awards retired from competition after winning twice — The Stacking Benjamins Show is personal finance that doesn’t put you to sleep.

Hosts Joe Saul-Sehy (former 16-year financial advisor, ex-WXYZ-TV “Money Man”) and Josh “OG” Bannerman, CFP (Certified Financial Planner, Bannerman Wealth) sit around the card table in Joe’s mom’s half-finished basement in Texarkana and talk money with the smartest guests in personal finance, investing, and behavioral economics. As Fast Company wrote, the show “strikes a great balance of fun and functional.”

Every Monday, Wednesday, and Friday: expert guests, real headlines, listener questions, and Doug’s trivia. Topics include investing, retirement planning, budgeting, real estate, behavioral finance, taxes, and financial independence — for anyone who wants to be smarter about money without being talked down to.

Subscribe to The 201 — the free newsletter that goes deeper than the show — at stackingbenjamins.com/201

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Episodes

Tales of Financial Horror (and how we exorcised them) SB1755

Pop quiz: What's scarier than a haunted house? Opening your credit card statement after a "just this once" shopping spree turned into a six-month spiral. Joe Saul-Sehy and Neighbor Doug gather 'round the basement campfire with Doc G (Jordan Grumet from Earn and Invest), Jesse Cramer (Personal Finance for Long Term Investors), and special guest Emily Egashira—AKA Your Friend Em from TikTok and Instagram fame—to share the financial horror stories that still wake them up at night. We're talking gho...

Oct 31, 202558 min

Banishing Money Monsters: How to Talk Money With Anyone (Partners, Roommates, or Coworkers) SB1754

You know what's truly terrifying? Realizing you and someone you share money decisions with have completely different ideas about finances—and you're both convinced you're right. Joe Saul-Sehy and OG welcome Doug and Heather Bonaparte, a CFP and business partner duo who've mastered the art of not killing each other over finances. And when you work together AND live together? Let's just say they've had plenty of practice navigating the financial frights that haunt any relationship where money's in...

Oct 29, 20251 hr 7 min

Real Money Horror Stories (And How Not to Star in Your Own) SB1753

What's scarier than a haunted house? Looking at your retirement account after ignoring it for five years. Joe Saul-Sehy, OG, and Doug welcome back Chuck Jaffe (Money Life with Chuck Jaffe) for his legendary annual Halloween visit—and this year, he's bringing two treats to the basement. First up: Chuck's Halloween Money Game for kids. Picture this: trick-or-treaters can take one piece of candy and walk away... or they can play a game where they might win more candy, actual money, or lose it all. ...

Oct 27, 20251 hr 1 min

You've Got Enough Money to Quit. Should You? SB1752

Here's a question nobody in the FIRE movement talks about: What if you reach financial independence... and don't want to quit? Joe Saul-Sehy, OG, Paula Pant (Afford Anything), and Doc G (Earn & Invest) tackle the idea of Reverse FIRE—people who've hit their number but choose to keep working anyway. And before you roll your eyes, hear them out. Because it turns out that having enough money doesn't automatically make you happy. And for a lot of people, walking away from work means walking away...

Oct 24, 20251 hr 3 min

Your Money Problems Aren't Math Problems (They're People Problems) SB1751

Here's the secret nobody tells you: your money problems probably aren't math problems. Joe Saul-Sehy and OG sit down with Carl Richards—financial planner, New York Times columnist, and the guy behind those brilliant "Sketch Guy" drawings that make money actually make sense. Carl's spent his career helping people untangle their relationship with money, and his big insight? Most of us are overthinking it. Your financial plan shouldn't feel like a calculus final. It should feel like a map you can a...

Oct 22, 20251 hr 11 min

Should You Drain Your Emergency Fund? (And 4 Other Money Questions Keeping You Up) SB1750

You've got questions. We've got two CFPs and a former planner ready to hash it out. Joe Saul-Sehy, OG, Doug, and CFP Anna Allem tackle the money decisions you're actually losing sleep over—and here's the thing: they don't always agree on the answer. That's the point. Should you drain your emergency fund to pay off debt? Is whole life insurance for your kids a smart move or an expensive mistake? How much life insurance do you actually need (not what some calculator tells you)? And when life throw...

Oct 20, 20251 hr 8 min

What Lucky People Do Differently With Money (SB1749)

Think some people just have all the luck? Think again. Joe, OG, Paula Pant (Afford Anything), and Chris Luger (Heavy Metal Money) break down what separates people who catch breaks from those who don't...and spoiler alert: it's not about being in the right place at the right time. It's about what you DO when opportunity shows up. And before that: how you create the conditions for opportunity to find you in the first place. This episode digs into three moves that make luck happen: staying curious ...

Oct 17, 20251 hr 4 min

How to Deliver the “WOW” in Everyday Life (with longtime former Royal Caribbean Chairman and CEO Richard Fain) SB1748

You don’t have to command a cruise ship (or a boardroom) to lead with purpose. On this episode of The Stacking Benjamins Show , Joe Saul-Sehy , OG , and Neighbor Doug welcome Richard Fain , longtime chairman and former CEO of Royal Caribbean Group , for a conversation that’s not about corporate leadership… but about life leadership. Richard shares timeless lessons he learned from decades steering one of the world’s most innovative companies—lessons that apply just as powerfully to parenting, coa...

Oct 15, 20251 hr 9 min

Gold Prices Hit All-Time Highs (What's That Mean To Us?) SB1747

When gold shines, so do the hot takes, and today, the Stacking Benjamins crew dives into what this record-breaking surge really means for your money. Joe Saul-Sehy , OG , and Neighbor Doug kick off the week with their signature Monday salute to our troops before digging into the glittering headlines: gold prices are hitting new highs… but does that make it a smart investment or just financial fool’s gold? From breaking down why gold spikes when markets wobble to questioning whether it’s truly th...

Oct 13, 20251 hr 8 min

Build a Confident Early Retirement Plan (Without Overthinking It) SB1746

Who says you have to wait until 65 to clock out and start living your best life? On this episode of The Stacking Benjamins Show , Joe Saul-Sehy , Paula Pant ( Afford Anything ), OG , and special guest Sean Mullaney —author, CPA , and early retirement strategist—explore how to design a life that lets you walk away from the office sooner and happier . From tax-smart withdrawal strategies to dialing in your lifestyle design, this conversation pulls back the curtain on what it really takes to achiev...

Oct 10, 20251 hr 11 min

Build Wealth AND Community Using This Strategy (with Mel Dorman) SB1745

What if building wealth wasn’t just about stacking dollars — but also stacking good deeds ? In this episode of The Stacking Benjamins Show , Joe Saul-Sehy and OG sit down with Mel Dorman , a powerhouse real estate investor who turned humble beginnings (yes, dumpster diving beginnings) into a thriving portfolio of 34 rental units in just five years . And she didn’t just build wealth — she built community along the way. From negotiating creative seller-financed deals to forging partnerships that b...

Oct 08, 202559 min

5 Life-Changing Money Lessons from Jonathan Clements (SB1744)

What if the key to a richer life isn’t about chasing the next hot stock or grinding harder — but learning to master the timeless truths of money? In this episode of The Stacking Benjamins Show , Joe Saul-Sehy, OG, and Neighbor Doug pay tribute to legendary financial writer Jonathan Clements by revisiting five of his most impactful lessons. These aren’t complicated formulas or secret hacks — they’re the kind of deceptively simple ideas that change the way you think about money, work, and what tru...

Oct 06, 202557 min

The Missing Ingredients From Many Financial Plans (SB1743)

If your financial plan feels more like a vague wishlist than a real roadmap, this episode is about to change that. Live from the basement of YouTube HQ, Joe Saul-Sehy, OG, Paula Pant (Afford Anything), and Jesse Cramer (Personal Finance for Long-Term Investors) roll up their sleeves and dig into the three most common — and costly — mistakes people make with their money plans. Whether you’re just starting out or you’ve been stacking for years, this conversation will help you turn “someday” into a...

Oct 03, 202557 min

5 Steps to Your Best Retirement (with Jeremy Keil, CFP) SB1742

Think your retirement plan is bulletproof? Think again. In this eye-opening episode of The Stacking Benjamins Show , Joe Saul-Sehy , OG , and Neighbor Doug are joined by certified financial planner Jeremy Keil, CFP® to walk you through the steps to building a retirement plan that won’t crack under pressure. From mapping out your spending before you ever leave the workforce to crafting a tax strategy that keeps more money in your pocket, this conversation is your blueprint for making your golden ...

Oct 01, 20251 hr 5 min

Does The American Dream REALLY Costs $5 Million? (SB1741)

Think the American Dream is slipping out of reach? Think again. In this episode of The Stacking Benjamins Show , Joe Saul-Sehy , OG , and Neighbor Doug tackle one of the biggest financial questions of our time: how much does it really cost to live the life you want — and is it still possible? Spoiler alert: it is, but it takes more than a paycheck and a Pinterest board. We break down fresh research from Investopedia, the rising price tag of everything from healthcare to college, and how smart pl...

Sep 29, 20251 hr 2 min

Strategies and Tactics to Maximize Your 401k (and common mistakes to avoid) SB1740

What if tweaking just a few “knobs” in your 401(k) could mean the difference between retiring with confidence or wondering if you’ll ever stop working? In this spirited episode of The Stacking Benjamins Show , Joe Saul-Sehy , OG , and Neighbor Doug are joined by three of our favorite money minds — Paula Pant from AffordAnything , Jesse Cramer from Personal Finance For Long Term Investors , and Lacey Langford from The MILMO Show — to break down everything you thought you knew (and a few things yo...

Sep 26, 20251 hr 12 min

Work Less, Live More AND Perform Better at Your Job (SB1739)

What if the secret to enjoying your job isn’t grinding harder but stepping back and rethinking how work fits into life? In this episode of The Stacking Benjamins Show , Joe Saul-Sehy , OG , and Neighbor Doug welcome special guest Shemin Nurmohamed to unpack the Paris Paradox: balancing work and leisure without sacrificing ambition. From cultural perspectives on downtime to the productivity perks of unplugging, Shemin shows why working less might just help you accomplish more. But that’s not all....

Sep 24, 20251 hr 17 min

Stop Making Simple Investing Mistakes With an Investment Policy Statement (SB1738)

Ever make a money move in the heat of the moment and wish you could take it back? That’s exactly why a rock-solid Investment Policy Statement (IPS) might be your most underrated financial tool. In this episode, Joe Saul-Sehy , OG , and Neighbor Doug peel back the layers on IPSs—why they matter, how they save you from your own impulses, and the role they play in making sure your investment strategy actually sticks. Think of it as your financial GPS, keeping you on course when market turbulence ma...

Sep 22, 202555 min

What Are YOU Worried About Financially? (LIVE From FinCon 2025) SB1737

What happens when you throw a bunch of money nerds into one room, add microphones, and sprinkle in a little economic chaos? You get this live recording from FinCon in Portland , where Joe Saul-Sehy , Paula Pant , Jesse Cramer , and Matthew Tarr tackle today’s most pressing financial questions head-on—with plenty of laughs along the way. From housing headaches to healthcare hurdles, nothing is off the table as the crew breaks down the issues shaping your money right now. Housing prices got you wo...

Sep 19, 20251 hr 5 min

David Gardner on Breaking the Rules of Investing (SB1736)

What happens when you stop playing it safe and start playing it smart? In this episode, Joe Saul-Sehy , OG , and Neighbor Doug sit down with David Gardner , co-founder of The Motley Fool , to explore how breaking traditional investing “rules” can sometimes lead to the biggest wins. From his early career to building a community of investors who think differently, David shares the lessons that shaped his approach and why focusing on long-term investing (with a dash of joy) is the key to building w...

Sep 17, 20251 hr 27 min

How to Sidestep the 4 Culprits Wrecking Middle Class Retirement (SB1735)

What really derails retirement dreams? Spoiler alert: it’s not always the stock market or your 401(k). Sometimes it’s sneaky habits—like leaning too hard on your house as a retirement plan or ignoring how long you might actually live—that quietly gnaw away at your financial future. In this episode, Joe Saul-Sehy , OG , and Neighbor Doug dig into the most common middle-class retirement killers and how you can sidestep them. But this isn’t your average checklist of “don’t do that.” The team dissec...

Sep 15, 202552 min

How Are You Creating Your Happiest Life? (SB1734)

If having more money guaranteed happiness, we’d all just set our financial targets, cash the checks, and live joyfully ever after. But as Joe Saul-Sehy , OG , Paula Pant ( Afford Anything ), and Joel Larsgaard ( How to Money ) unpack in this lively roundtable, life’s richest rewards often have little to do with your net worth. They explore why some wealthy people still feel miserable, how Benjamin Franklin’s approach to living can still teach us a thing or two, and why optimism may be your secre...

Sep 12, 20251 hr 1 min

How to Lead (and Evaluate Good Leadership) with David Gergen (SB1733)

What can you learn about leadership from someone who’s served four U.S. Presidents, navigated some of the most intense moments in American politics, and still believes the future depends on building more leaders, not fewer? In this Greatest Hits Week replay, Joe Saul-Sehy , OG , and Neighbor Doug welcome David Gergen —former White House advisor, Harvard professor, and author—to the basement for a masterclass on leadership that applies as much to your career and investments as it does to running ...

Sep 10, 20251 hr 11 min

Spotting the Sharks: 5 Red Flags Your Financial Advisor Might Be Waving (SB1732)

Not all financial advisors are created equal—and some will steer you straight into the rocks while smiling the whole way. In this episode of The Stacking Benjamins Show , Joe Saul-Sehy , OG, and Neighbor Doug share the top five warning signs your advisor may not have your best interests at heart. From shady investment recommendations to fee structures that deserve a magnifying glass, we unpack the behaviors and practices that can quietly drain your portfolio. This isn’t just about avoiding bad a...

Sep 08, 20251 hr 7 min

Outsmarting Unintended Consequences: How Good Money Moves Don’t Go as Planned (SB1731)

Ever celebrate paying off a credit card…only to watch your credit score drop? Or ditch your budget for “simplicity” and find yourself ordering takeout three nights in a row? On this week’s episode of The Stacking Benjamins Show , Joe Saul-Sehy , OG , and Neighbor Doug welcome Paula Pant ( Afford Anything ) and Jesse Cramer ( Personal Finance for Long-Term Investors ) to explore why even the “right” financial moves can sometimes lead you straight into a banana peel. From the hidden traps of credi...

Sep 05, 20251 hr 2 min

We Answer Your Awesome Questions: HSAs, Roth Conversions, Trusts, and More (SB1730)

What happens when you hand the mic to Stackers? You get a mailbag episode loaded with real-life money challenges, surprising lessons, and a few “wait, what?” moments. Joe Saul-Sehy , OG , special guest Anna Allem (a CFP® with her own winding journey into the profession), and Neighbor Doug dig into your most pressing financial questions—no fluff, no jargon, and definitely no shortage of basement-style tangents. This week’s listener lineup serves up a buffet of topics: how to turn an HSA into a st...

Sep 03, 20251 hr 13 min

Unpacking Two Big Ideas: Infinite Banking and Saving For Young Children (SB1729)

Labor Day might be about rest, but in the basement, we’re getting to work on busting some of the most persistent myths in personal finance. Joe Saul-Sehy and OG welcome insurance pro Tony Steuer to unpack the shiny marketing around infinite banking and velocity banking. Spoiler: sometimes “be your own bank” really means “make your insurer rich.” From permanent life insurance pitfalls to the real math behind these strategies, Tony helps separate clever sales pitches from solid financial planning....

Sep 01, 20251 hr 16 min

How To Tell Your Boss You Want to Retire Often (SB1728)

Why wait until your knees creak louder than your rocking chair to start enjoying life? In this episode, Joe Saul-Sehy, OG, Paula Pant (AffordAnything) and Neighbor Doug welcome Jillian Johnsrud—author of Retire Often —to share why sprinkling your life with mini-retirements might be the smartest, healthiest, and most joyful move you make before your “official” retirement date. Think of it as giving your future self a head start… without the Medicare paperwork. From negotiating time off without bu...

Aug 29, 20251 hr 1 min

Dr. Danielle McGeough's Guide to Avoiding Burnout (SB1727)

If you’ve been running on fumes, juggling work deadlines, family obligations, and maybe even a neglected 401(k) or two, this episode is your permission slip to stop, breathe, and recalibrate. Joe Saul-Sehy, OG, and Neighbor Doug welcome Dr. Danielle McGeough—professor, transformational strategist, and champion of intentional living—into the basement for a conversation that’s part burnout intervention, part life strategy workshop. Dr. McGeough shares how to spot the early signs of burnout before ...

Aug 27, 202557 min

The Deceptive Allure of Investing Like the 1% (How We Get Conned) SB1726

Ever think, “If I just followed the playbook of the ultra-wealthy, I’d be set for life”? Turns out, that’s exactly the kind of thinking that can lead you straight into the arms of a scammer. In this episode, Joe Saul-Sehy and OG break down the traps hidden inside the “invest like the 1%” mantra (and other similar phrases), complete with real-life cautionary tales, including a small-town Ponzi scheme that could’ve been ripped from a Netflix docuseries, and the spectacular belly flop of some Yield...

Aug 25, 202553 min
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