What would you ask about money if you had the mic?

Live from Texas A&M Texarkana, Joe Saul-Sehy, Paula Pant, and financial educator Jay Davis take questions from students facing real-world money decisions—like choosing between passion and paycheck, avoiding lifestyle creep, investing safely, and building a financial future from scratch.

If you're in your 20s—or wish you could do them over—this episode is packed with the advice we wish we knew earlier.

Plus: Doug climbs into the rafters (again) for a trivia showdown you won’t forget.

💡 What We Cover in Today’s Episode

• Passion vs paycheck vs peace: How do you actually choose a career without regretting it later?
• Why “follow your passion” might be terrible advice—and what to do instead
• How to avoid lifestyle inflation when your income jumps
• The easiest way to “hide money from yourself” (and why it works)
• The real difference between 401(k)s, IRAs, stocks, and gold (finally explained clearly)
• What “safe investing” actually means (hint: it depends on time)
• The biggest money mistakes college students make—and how to avoid them
• Why systems beat discipline every single time
• Smart ways to manage student loans after graduation
• The underrated power of an emergency fund (aka your freedom fund)
• How networking—not your resume—can shape your financial future

🧠 The Big Takeaways

• You don’t need perfect discipline—you need better systems
• Your first few years out of school can change everything financially
• “Safe” depends on when you need the money
• The earlier you start, the more your money works (hello, compounding)
• Most people don’t fail from lack of knowledge—they fail from lack of action

🎤 Special Guests

• Paula Pant – Host of the Afford Anything Podcast
• Jay Davis – Executive Director of Financial & Entrepreneurship Engagement, Texas A&M Texarkana
• Thank you to Red River Credit Union for underwriting this live show!
• FULL SHOW NOTES: https://stackingbenjamins.com/live-q-and-a-with-paula-pant-1830
• 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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