The Money Habits to Keep and Ditch in 2026 (SB1791)
The Stacking Benjamins Show
Joe Saul-Sehy and Josh ‘OG’ Bannerman, CFP
4.4 • 2K Ratings
🗓️ 16 January 2026
⏱️ 68 minutes
🧾️ Download transcript
Summary
Some people kick off a new year with a vision board. We prefer a runway show in sweatpants from Joe's mom's basement.
Joe Saul-Sehy, OG, and Neighbor Doug throw personal finance into the spotlight and ask the question every Stacker secretly loves: What's officially "so last year" in your money plan, and what's worth keeping for 2026?
Because here's the truth. You don't need a total financial makeover. You need a few smart "wardrobe swaps" that fit your real life. The habits that quietly drain your progress (hello, lifestyle creep). The stuff people obsess over that doesn't matter as much as they think. And the overlooked moves that make everything else easier.
The crew breaks down what's out (financial habits that looked good but never delivered), what's in (the practical moves that reduce stress and create actual progress), and why real financial planning isn't just about investments but about building a system that holds up when life gets messy.
Also on the docket: a fresh start to the yearlong trivia competition with new rules, new twists, and the kind of competitive energy that makes you wonder if the trophy comes with a safety warning label.
What You'll Learn:
• What financial trends are out for 2026 and why they weren't helping anyway
• The habits that are in if you want more freedom, less stress, and fewer "where did my money go" moments
• Why real financial planning isn't just investments but a system that works in real life
• How lifestyle creep sneaks in and a couple ways to stop it before it becomes your full-time hobby
• What tax strategy means for normal people, not just spreadsheet enthusiasts
• The money conversations you should have early in the year before life gets loud again
• A realistic take on housing in 2026 and what to focus on when markets don't behave
• New trivia rules including a twist that changes everything if you're not paying attention
This Episode Is For You If:
• You want to know what to stop doing so you can focus on what works
• You're tired of financial advice that adds more tasks instead of clarity
• You suspect some of your money habits aren't pulling their weight
• You want permission to quit the financial trends that never fit your life
• You're ready for a few strategic changes that make 2026 feel more manageable
Questions to Think About:
What's one money habit you're officially retiring in 2026? If you could upgrade one part of your financial plan this year, what would it be: spending, saving, investing, insurance, or taxes? Drop your answers in the comments or the Basement Facebook group because this episode is all about figuring out what stays and what goes.
FULL SHOW NOTES: https://stackingbenjamins.com/finance-hot-or-not-2026-1791
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
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| 0:00.0 | In a world where overspending, debt, and keeping up with the Joneses rules us all, |
| 0:10.0 | where the voices from the merchants, and credit companies lured over the common man. |
| 0:17.0 | Out of the darkness, like a beacon of hope, comes a new voice, a voice that's rich and creamy, like your favorite butter, and delicious, like cheeseburger pizza on your diet cheat day. It's the Stacking Benjamin Show. |
| 0:40.4 | I'm from the basement of the YouTube headquarters, it's the stacking Benjamin |
| 0:45.7 | show. |
| 0:59.2 | I'm Joe's mom's neighbor, Doug, and in the spirit of those fashion shows displaying what's hot for the new year, we thought we'd do the same for personal finance. Consider this |
| 1:04.8 | your personal finance fashionista episode. What was so 2025 that we highly recommend you trash in your financial plan? |
| 1:14.6 | What hotness should you add to your game in 2026? Our panel will share. But that's not all. |
| 1:21.6 | Of course, I'll also swoop in halfway to help our team kick off the new year-long trivia challenge. |
| 1:28.7 | Can Jesse hang on to his shiny new crown? |
| 1:31.5 | Can OG reclaim his title? |
| 1:34.0 | Is it finally the year of Paula's big trivia win? |
| 1:40.0 | I mean, maybe, probably not. |
| 1:44.1 | We'll get the first clues today. |
| 1:46.4 | And now a guy who wants you to grab a high yield savings account because that's so 2026, it's Joe Solcihai. |
| 1:58.1 | Hi, he'll save his account. |
| 1:59.5 | Good start for 2026. Hey, everybody, I am Joe Salci. Hi. Thank you for the intro. Mr. Doug. How are you, man? Sorry, man. I almost made it through without laughing. We write those scripts with the best of intentions. And I'm like, when we had it, I'm like, I can nail. I can get through this. And nope, failed. This could be Paula's year. It could be Paula's year. Yeah. And monkeys can fly out of your butt. Guys, this is going to be a fantastic episode because we have a roundtable together for the first time this year. Of course, we had our Magic 8 ball episode last week. And now we kick off. It's like I feel like we're kicking off a new football |
| 2:36.0 | season or whatever sport you like or thing that you like. It's it's a brand new day. The slate is clean |
| 2:43.7 | and everybody can win. That's at the halfway point, but we're going to surround it, Doug, |
| 2:47.6 | of course, with a great episode today talking about all the 2026 fashion. |
| 2:52.4 | You look fashionable. What's on your t-shirt? I got my favorite Canadian t-shirt on. |
| 2:57.9 | Look at that. My Canadian Superman shirt. Okay, dare. Don't you know how Canadian people love it when we do the |
... |
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