Want More Money? Cut The Clutter (with Tracy McCubbin) SB1705
The Stacking Benjamins Show
Joe Saul-Sehy and Josh ‘OG’ Bannerman, CFP
4.4 • 2K Ratings
🗓️ 7 July 2025
⏱️ 63 minutes
🧾️ Download transcript
Summary
Is your home packed with emotional baggage... and maybe a few fondue sets you haven’t touched since 2003? Organizational expert Tracy McCubbin joins us to talk about the emotional side of clutter—why it builds up, how it weighs us down, and what to do when your sentimental stuff is quietly running the show.
Meanwhile, Joe and OG dig into another kind of mess: the billions retirees lose by claiming Social Security too early. Timing isn’t just everything—it’s the difference between thriving in retirement and wondering where all the money went.
In this episode, we cover:
- Why sentimental clutter is more than just "stuff"—and how to finally let it go.
- How donating intentionally can breathe new life into your old things (and clear some mental space).
- The tough conversations adult kids need to have with parents about downsizing and letting go.
- Strategies to help you avoid making costly Social Security decisions.
- A surprisingly thoughtful take on the Taco Bell Hotel (yes, it’s real... and yes, it sold out in minutes).
Plus: a listener question, some truly questionable fashion choices, and one more reason not to hoard your retirement benefits—or your holiday dishes.
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Transcript
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| 0:00.0 | Happy Monday Stackers. |
| 0:03.8 | Just a quick note before we hit play on today's Monday episode of the Stack and Benjamin |
| 0:09.7 | show. |
| 0:10.2 | You know, sometimes there are episodes that we do because I think they're going to be great |
| 0:13.9 | for you. |
| 0:14.4 | And there's other times that it's what I need to hear. |
| 0:17.3 | And if your spring, summer has been as jumbled as mine has been, you know what? |
| 0:22.0 | Keeping track of your stuff is really the message that I needed to hear this week. So that's going to be our |
| 0:29.2 | theme today and Friday. Tracy McCubbin, organizational expert, one of the top guests we ever had on |
| 0:35.6 | the show. And you know what? A lot of people initially when they heard Tracy said, |
| 0:39.9 | what does she have to do with money? |
| 0:42.1 | Well, if you have ever been around somebody who's phenomenal with money, |
| 0:46.8 | organization gets you there, having things automated, |
| 0:50.7 | being able to find what your expenses were, having the heartbeat. |
| 0:55.5 | But many people are what a mentor mine called stuck in the weeds, right? |
| 1:00.2 | If you've ever been out on a boat and you're stuck in the weeds and you can't really move |
| 1:03.6 | because you're handling all the little things. |
| 1:06.2 | You can never keep your eye on the big stuff. |
| 1:08.4 | Tracy McCubbin today is going to help us get organized. This |
| 1:12.6 | episode was originally from 2019. We also in this episode talk about social security. And the |
| 1:20.0 | social security stuff really holds up, although we are going to talk about some 2019 numbers. |
| 1:25.2 | So realize this is from six years ago and some of the numbers have changed. |
... |
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