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The Stacking Benjamins Show

What a 12-Hour Walk Teaches You About Money (And Life) SB1759

The Stacking Benjamins Show

Joe Saul-Sehy and Josh ‘OG’ Bannerman, CFP

Financial Planning, Cfp, Education, Business, Retirement, Personal Finance, Money, Investing

4.42K Ratings

🗓️ 10 November 2025

⏱️ 57 minutes

🧾️ Download transcript

Summary

Here's a wild idea: What if the thing holding you back isn't your bank account, your age, or your circumstances—it's just the story you've been telling yourself?

Joe Saul-Sehy and OG sit down with Colin O'Brady, four-time world record holder and endurance athlete who's done things most people would call impossible: solo trek across Antarctica, row across the Drake Passage, and yes, take a 12-hour walk that changed his entire perspective on what humans are capable of.

Colin's not just here to tell adventure stories (though those are incredible). He's here to talk about the mental game—the part where you convince yourself to take the first step even when the finish line seems impossibly far away. Sound familiar? Whether you're staring down a cross-country expedition or trying to figure out if you'll have enough saved for retirement, the challenge is the same: push past the voice that says "I can't" and prove to yourself that you can.

Then Joe and OG bring it back to the basement with a listener question about Roth vs. Traditional 401(k) contributions—because financial endurance is just as important as physical stamina. They break down how to think long-term about taxes, flexibility, and building a retirement plan that actually fits your life.

Plus: Neighbor Doug delivers trivia that proves even world record holders have to earn their laughs in the basement.

What You'll Walk Away With:

• What Colin O'Brady's 12-Hour Walk reveals about breaking through your mental limits (and how it applies to money decisions too)

• The mindset shift that separates people who attempt big goals from people who actually achieve them

• Smart strategies for balancing Roth and Traditional 401(k) contributions based on your timeline and tax situation

• Why flexibility matters as much as discipline—whether you're planning an expedition or planning retirement

• Permission to set goals that scare you a little (because that's usually where the good stuff happens)

This Episode Is For You If:

• You've been telling yourself you "can't" do something but wonder if that's actually true

• You want inspiration that comes with actual tactics (not just motivational fluff)

• You're trying to figure out the Roth vs. Traditional 401(k) question and want a clear answer

• You believe your best life is out there, but you're not sure how to build toward it

• You need a reminder that big transformations start with small, intentional steps


FULL SHOW NOTES: https://stackingbenjamins.com/conquer-your-mount-everest-greatest-hits-week-1759

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

Click on a timestamp to play from that location

0:00.0

Hey there, Stackers. What does Conquering Everest or going on a 12-hour walk have to do with

0:10.7

your financial plan where you're going to find out today because we're kicking off this week

0:14.8

with one of our favorite all-time conversations. This is a greatest hit from 2022.

0:21.0

Still packs a huge bunch today.

0:22.5

When I sat down with Kellyn O'Brady, who's an endurance athlete explorer and a guy

0:27.6

who engineered this thing called the 12-hour walk that maybe you did or, you know,

0:31.3

friends that did.

0:31.9

I certainly did.

0:33.2

This took the world by storm, just as we're coming out of the pandemic in 2022.

0:37.4

His message about everyday resilience, focus, pushing your limits, it hit home for me.

0:43.8

And I know it hit home for a lot of people based on not just the download numbers, but also a lot of the emails that I got afterwards.

0:50.4

So I want to bring this episode back because it isn't about adventure or athleticism.

0:56.7

This is about creating your best life, one intentional move at a time, which is, of course,

1:01.1

what stacking Benjamin's is all about having this Benjamin Franklin-esque life where you're

1:07.5

not just an entrepreneur or a patriot or an inventor. You are all of the above.

1:15.1

And Cullen's reminder, I think, is the perfect reminder that the biggest changes in life don't

1:20.6

come from these huge leaps. They come from choosing to take that next step on a random Tuesday,

1:26.4

right? Even when it feels a little hard that

1:28.1

day or you just don't feel like it and you want to push it off. So as you listen, what I'd like

1:32.3

for you to think about is this. What is your version of the 12 hour walk? And maybe that's finally

1:38.6

setting boundaries at work. Maybe it's tackling a tough money goal or carving out some quiet time

1:43.6

to think through your next chapter.

...

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