Retirement 101: Planning, Risks, and Smooth Sailing (SB1696)
The Stacking Benjamins Show
Joe Saul-Sehy and Josh ‘OG’ Bannerman, CFP
4.4 • 2K Ratings
🗓️ 16 June 2025
⏱️ 53 minutes
🧾️ Download transcript
Summary
You can’t plan a great retirement if you haven’t first planned what you’re retiring to. In this episode, Joe Saul-Sehy, OG, and Neighbor Doug open up Retirement Week in the basement with a Monday that’s equal parts insight, weekend recap, and questionable vehicle decisions.
🚪 Start with the most overlooked part of retirement: your lifestyle vision. What are you actually going to do all day—and will it make you happy?
📊 Then they dive into financial strategy, from coordinating pre-tax, Roth, and taxable funds to dodging sneaky IRMAA fees that show up like glitter—impossible to get rid of and oddly expensive.
🏎️ Thinking about a new car? Joe and Doug wrestle with the age-old question: maintain or upgrade, and how your answer could affect your wallet (and maybe your driveway credibility).
💼 Curious about investment leverage? Meet Basic Capital—a platform that might sound like a good idea… until it doesn’t. Joe and OG explain when leverage can help—and when it’s just risk in a tuxedo.
🎧 Plus:
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Saluting the troops
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What not to do when your retirement plan involves TikTok
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A sneak peek at the Nerdy Round Table
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And entertainment recs to round out your week like a pro
Start your week smarter and get a little closer to a retirement you actually want.
FULL SHOW NOTES: https://stackingbenjamins.com/creating-a-better-retirement-1696
Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201
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Transcript
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| 0:00.0 | It's Monday morning. The coffee's hot. O.G. has a cold and Doug is ready to roll. |
| 0:06.3 | Sounds like a great Monday. It does sound like a great Monday. |
| 0:09.4 | Monier. It's like any other Monday. We just saw O.G. cough up a hairball. That was fun. |
| 0:15.3 | It's cute. Yeah. I'm glad we got that on video. |
| 0:19.1 | So good. Well, to, |
| 0:21.3 | uh, |
| 0:22.5 | how do I transition out of that? |
| 0:25.7 | Speak, |
| 0:26.4 | speaking of flamb balls, |
| 0:27.8 | we got some tasty programming for you. |
| 0:31.3 | It's going to be great. |
| 0:33.1 | You know what? |
| 0:33.8 | Let's just, |
| 0:34.4 | uh, |
| 0:34.7 | completely segue. |
| 0:36.4 | Because it is Monday and we are happy to do what we do every |
| 0:40.7 | Monday, which is salute the troops on behalf of the men and women at Navy Federal Credit |
| 0:44.5 | Union, the men and women making podcast to Mom's Basement. Here's a big shout out to the men |
| 0:48.5 | and women who kept us safe all weekend long. We'll keep on, keep it on. What do you notice? |
| 0:54.2 | What do you notice about that mug there, Joe? |
| 0:56.1 | It's pretty plain. |
| 0:58.3 | Surprisingly devoid of a stacking Benjamin logo, isn't it? |
... |
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