A Fresh Look at Budgeting Basics (SB1648)

The Stacking Benjamins Show

Joe Saul-Sehy and Josh ‘OG’ Bannerman, CFP

Education, Business, Money, Investing, Financial Planning, Cfp, Personal Finance, Retirement

4.4 • 2K Ratings

🗓️ 24 February 2025

⏱️ 64 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Ever feel like your budget is running you instead of the other way around? Today, we’re bringing in Shaun Morgan from The Teacher Money Show and Kristin Wade, budgeting coach at My Budget Coach, to help you flip the script. They’ll share how tracking your expenses is the first (and easiest) step toward financial freedom, why budgeting shouldn’t feel like punishment, and how to make your money work without the guilt.

But wait—there’s more! We’re diving into creative ways to gamify saving, some unexpected solutions for real estate dilemmas (hint: selling isn’t your only option), and why sometimes renting out your home might be the smarter move. And of course, we sprinkle in some personal stories, real-life lessons, and a few side tangents that may or may not include baseball, beer trends, and an ode to Steve Jobs.

What’s Inside Today’s Episode:

Budgeting Basics: How to make your spending work for you.
Tracking Expenses 101: The first step toward a stress-free financial plan.
Finding the Right Budgeting Tools: What actually works?
Gamifying Your Finances: How to make saving and budgeting fun (yes, fun!).
Accountability & Motivation: Why most people quit budgeting—and how to stick with it.

Turning Real Estate Woes Into Wins: If your house won’t sell, here’s what to do next.
Renting vs. Selling: When keeping your home might be the smarter play.
Running a Business on a Budget: The hidden costs and how to stay profitable.

Community Shoutouts & Listener Feedback: Your wins, your questions, and more.

Random Topic: Cancun adventures and off-the-cuff fun.

Key Takeaways from the Episode:

✔️ Budgeting doesn’t mean restriction—it means intentional spending.

✔️ Tracking your money is like using a GPS—it keeps you from getting lost.

✔️ Real estate has more options than just “sell or stay put.” Renting could be a game-changer.

✔️ You don’t have to budget alone. The right tools and accountability partners make all the difference.

✔️ Even Cancun has budgeting lessons. (Or at least a few good stories.)

Tune in now and take the first step toward mastering your budget—without making it feel like a chore.

FULL SHOW NOTES: https://stackingbenjamins.com/how-to-take-control-of-your-budget-1648

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!

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Transcript

Click on a timestamp to play from that location

0:00.0	It's Monday morning and you know what that means.
0:02.4	Time to salute the troops gentlemen. So get those mugs up. Hup two. Isn't that say in the Hup two? 10 Hutt. Sounds like we're calling a football play. I was drinking a can of beer. Yeah. At six in the morning. Key lime beer. Key lime flavored, Lecroy flavored beer. Ooh, there's a new. What if Budweiser came out
0:24.0	with LeCroix flavored beer? They're actually going the other way. It's funny you say that. Beer,
0:28.5	as an industry, is plummeting. Sure. Wine, too. Yeah, the fastest growing segment are either
0:34.7	low alcohol or non-alcoholic. And so there are all of these.- Brewing is amazing. If you guys haven't had it, it's fantastic. Athletic brewing. I've just read about it. I've heard it's great. Fantastic. I think it's half percent alcohol tastes. Yeah. Fantastic from what I hear it. But that's one of the fastest growing segments. So you still get that beer taste in your mouth, that beer breath that women like.
0:56.5	You get to belch.
0:57.3	Very hoppy.
0:58.1	Get to do all that.
0:59.1	All the toots the next morning.
1:01.1	Yeah.
1:01.6	It's fantastic.
1:04.2	Let's raise our bugs on that note.
1:06.9	To all the men and women serving our country, whether you're drinking beer or not,
1:12.0	on behalf of the men and women making podcast at Mom's Basement.
1:16.1	And A, if you're flying a F-15.
1:18.6	Please, God.
1:19.9	And the men and women at Navy Federal Credit Union, here's a big salute to our troops.
1:25.6	This is fine Monday morning.
1:27.2	Let's stack some benjamins together this week, shall we?
1:30.1	Thanks, everybody.
1:31.3	Cheers.
1:32.7	Welcome to the Duff Brewery.
	...

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