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The Stacking Benjamins Show

Happy Money, Hidden Fees, and Hiring Your Kids (SB1706)

The Stacking Benjamins Show

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

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

4.42K Ratings

🗓️ 9 July 2025

⏱️ 71 minutes

🧾️ Download transcript

Summary

What if your money could bring you more joy—and less stress? Today, we welcome Ken Honda, Japan’s bestselling personal development guru, to the basement. He introduces us to his concept of “Happy Money,” where gratitude replaces fear, and your relationship with money becomes… well, happier. From early lessons in emotional finance to wisdom from his own mentors, Ken shares how small mindset shifts can lead to big life changes.

But before we get zen with our Benjamins, Joe and OG shine a light on the latest investigation into real estate commissions. Are hidden fees quietly draining your wallet when you buy or sell a home? The Justice Department seems to think so. We dive into what’s happening—and what you can do about it.

Also in the episode:

  • HSA contribution limits are rising—are you using your health savings account the smart way?

  • A listener wonders if hiring their kids can unlock Roth IRA opportunities (spoiler: it’s not as simple as “just write them a check”).

  • Doug moonshines a trivia question that may or may not involve death (but definitely involves Doug).

Whether you’re looking for practical strategies or a new perspective on money itself, this episode brings both insight and inspiration.

FULL SHOW NOTES: https://stackingbenjamins.com/happiness-with-ken-honda-greatest-hits-1706

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

Hey, Stackers, one of my favorite reasons, and there's so many reasons why I love greatest hits week, is that I, ahead of time, get to share with you what to look for in these episodes and why we actually are calling it a greatest hit.

0:16.0

So the primary interview today is with a gentleman named Ken Honda. And Ken has this philosophy called Happy Money.

0:23.7

And here's how happy money affected me when I first read about it.

0:29.6

And then I got to interview Ken.

0:32.2

I not only had this amazing interview with him,

0:35.3

but later that day I was chatting with my friend Paula Pant

0:37.6

from Afford Anything. And I went on for over an hour about why, in my opinion, this is all

0:46.3

the best parts of the fire movement without what I see as the nasty downside. And it was a great conversation. And I've had so many conversations around

0:58.3

this idea of happy money and why this philosophy works for me. So you're probably wondering,

1:05.6

A, maybe what is the fire movement? Well, that's financial independence retire early. People

1:10.5

trying to be

1:11.1

financially independent as quickly as possible and maybe retire as soon as they can. And when I don't like

1:18.6

the fire movement, generally, of course, I believe financial independence is great when we get

1:23.8

it earlier. But I don't like it when it's takey.

1:29.4

How do I make more for me?

1:32.0

How do I get more for me?

1:34.5

How do I, you know, not tip people as much?

1:38.8

How do I cheapen stuff?

1:41.2

It just, it has this ick quality, ugly underbelly. And when it's not like that,

1:51.1

it's fantastic. Because truly it is about us, isn't it? I mean, I feel fantastic when I could

2:00.3

help somebody else get ahead and it helps me at the same time.

2:04.8

And there truly is no us or them. It's totally us. So when today you hear Ken talk so much about gratitude, this is what I believe is the key to being human and financially independent, all wrapped

...

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