Waste Time on Hot Real Estate or IPO Trends or Start Building Wealth? SB1786
The Stacking Benjamins Show
Joe Saul-Sehy and Josh ‘OG’ Bannerman, CFP
4.4 • 2K Ratings
🗓️ 5 January 2026
⏱️ 73 minutes
🧾️ Download transcript
Summary
A new year has arrived, and with it comes a fresh wave of hot takes, bold predictions, and "can't miss" investing ideas. Joe Saul-Sehy and OG step back from the noise to discuss what clearly doesn't work and then to focus on what actually helps you build wealth in 2026 and beyond.
Rather than chasing hot trends, they revisit the timeless rules that have quietly done the heavy lifting through every market cycle. Why diversification still matters even when it feels boring. Why IPO hype and speculative real estate deals often disappoint. How consistency beats cleverness far more often than most people expect.
From there, the conversation shifts into a practical framework Stackers can use no matter what the market throws their way. Joe and OG walk through the proper order of investing decisions: start with clear goals, build the right asset allocation, choose appropriate asset selections, and then layer in tax strategy. By putting taxes in the right place (after the big structural decisions), they explain how to improve outcomes without letting tax avoidance distort the entire plan.
The episode also digs into real-world traps that tend to surface when uncertainty rises. Real estate crowdfunding. Penny stock temptation. Misunderstood property tax increases. The guys break down where people get tripped up and how to protect yourself without becoming overly cautious or frozen by fear.
Just as important, Joe and OG explore the difference between luck and skill in investing stories. If you've ever felt behind because someone else's risky move worked out, this discussion brings perspective and relief by reminding Stackers what sustainable progress actually looks like.
What You'll Learn:
• Why timeless investing principles matter more than 2026 predictions
• How diversification truly reduces risk and where people misuse it
• The dangers of IPOs, penny stocks, and "exclusive" real estate deals
• The correct order of smart investing decisions: goals first, asset allocation next, asset selection after that, tax strategy layered on last
• How to think about tax efficiency without letting taxes drive the plan
• What new homeowners often misunderstand about property taxes
• How to spot luck masquerading as skill in investing success stories
• Ways to stay confident and consistent when markets feel uncertain
If you're looking to start 2026 grounded, informed, and focused on the moves that actually matter, this episode delivers a steady, practical roadmap without hype, fear, or shortcuts.
Listen for the principles that hold up when markets misbehave and the small mistakes that quietly derail otherwise solid plans.
FULL SHOW NOTES: https://stackingbenjamins.com/real-estate-scam-companies-1786
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 | You know, it's a great thing to do on a Monday morning. Start off your day recording early with |
| 0:04.7 | leftover Santa Claus chocolates. You guys want one? Eating Santa. I was going to say, you know, |
| 0:09.7 | we're recording this just a spage early. And apparently, whatever it is that you do on New Year's |
| 0:15.1 | Eve is the thing that you're going to do the whole year. So, cheers to that, everybody. |
| 0:24.0 | What's in that coffee? Drinking alone, |
| 0:28.6 | O.G. Is that what you're going to do for the rest of the year? Podcasting. Podcasting is what I'm saying. |
| 0:34.3 | He's got two friends here with him watching him drink. Oh, podcasting. You got it. It's out of the gutter. |
| 0:40.4 | You know what else we're going to do all year long? We're going to begin our Monday shows by saluting the troops. |
| 0:52.5 | On behalf of the men and women at Navy Federal Credit Union and the men and women make a podcast in mom's basement, here's to the people who helped us all over the holiday. |
| 0:54.6 | Stay safe and through 2025, |
| 0:56.6 | and I know it's going to happen in 2026. |
| 0:58.1 | Thank you so much. |
| 1:00.5 | Let's go stack some Benjamins together now, shall we? |
| 1:01.9 | Thanks, everybody. |
| 1:04.1 | Here's the song that we'd like to do for all the younger set of people, |
| 1:05.5 | the teenagers and what have you. |
| 1:07.5 | This one's called Vacations. |
| 1:08.9 | So, |
| 1:09.9 | Vacations Open. It's over. |
| 1:14.1 | Vacations over. |
| 1:15.7 | It's over. |
| 1:17.5 | It's over. |
... |
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