Hot Financial Takes: Are You In or Out? SB1719

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

🗓️ 8 August 2025

⏱️ 52 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Get ready for a rapid-fire roundtable packed with personal finance opinions that might challenge your own money playbook. In this episode, Paula Pant (Afford Anything), Jesse Cramer (Personal Finance for Long-Term Investors), and Don McDonald (Talking Real Money) join Joe and OG to declare whether they're in or out on some of the most polarizing financial strategies.

Whether you're just getting started or leveling up your financial life, this episode is full of practical wisdom, contrarian views, and a few laughs along the way. Oh—and somewhere in there, we may or may not sneak in a birthday surprise for one of our favorite Stackers. 🎂😉

Why some pros still say "cash only" is best for beginners—and why others strongly disagree
The real trade-offs of delaying homeownership in today’s market
What types of insurance you actually need (and which may just be money drains)
When hiring a CPA is a gamechanger vs. when it's overkill
How to evaluate target date funds: genius or lazy?
Whether it’s finally time to drop collision insurance on that 15-year-old car
How to choose between Roth and Traditional 401(k) strategies
The one estate planning move nearly everyone overlooks

FULL SHOW NOTES: https://stackingbenjamins.com/jeff-lund-birthday-special-1719

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 guys, mail's here and there's some for us.
0:02.5	Oh man, I love mail.
0:04.6	Who's it from?
0:05.1	Wait, wait, wait.
0:05.9	It's not from my probation officer again, is it?
0:07.9	Oh, let's see. It's from Stacker Kelsey. All right. Here's what Kelsey says. Hey, Joe and O.G. and Doug, of course. Your show has truly helped change my financial game.
0:19.5	And I wanted to say thank you for investing so much of yourself into helping people like me.
0:25.5	Isn't that nice?
0:27.4	Oh, well, keep keep going.
0:29.5	She probably mentions me again.
0:31.1	I'm sure.
0:31.5	Well, I don't know.
0:32.1	But she says, the person who introduced me to your show is my dad.
0:36.2	And he is a birthday coming up today August 8th.
0:39.5	He's an avid listener and I'm wondering if there's any way you'd be able to shout him out on your
0:43.3	show. My dad's always been there for me and when I was really underwater with student loans,
0:48.6	credit card debt and all the other bills that come with living, my dad sat down with me and
0:52.7	helped me plan my finances so I could pay off
0:55.2	debts one by one and not be so paycheck to paycheck. He would also send me episodes of your show
1:01.8	that he knew would help or would be inspiring like how to structure an emergency fund. Again,
1:07.0	I appreciate all that you do to help people like me. And if there's any chance of a small shout out for my dad, I know he'd be over the moon. Thank you again for all your help. Doug, I think we can do maybe slightly better than that. What do you think? I think I see where you're headed with this, Joe. Let's do it. All right. Roundtable, you guys ready? Let's do this, Doug. All right. We're going live? Yeah. All right, roundtable, you guys ready? Let's do this, Doug.
1:29.0	All right.
	...

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