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The Stacking Benjamins Show

You Don't Need a Huge Income to Build Real Wealth (SB1825)

The Stacking Benjamins Show

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

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

4.4 • 2K Ratings

🗓️ 6 April 2026

⏱️ 66 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

A Kiplinger study of 1,000+ everyday millionaires found four traits that kept showing up. None of them involve a big salary, a hot stock tip, or a lucky break. This week Len Penzo, OG, and Joe dig into what those habits actually look like in practice, how to train yourself to spend with intention, and how to find a financial advisor who does what you actually need.

In this episode:

The "Midwest millionaire" traits anyone can adopt, why becoming a great saver can make you a terrible spender, the monthly money habit that takes 20 minutes and changes everything, and exactly what to say when you're interviewing financial advisors.

Biggest takeaways:

Frugality without intention is just suffering. The millionaires in this study were the last to spend on themselves and the first to give generously to others. Not cheap. Intentional.

Set a money goal big enough to compete with impulse spending. Once you have a real why, "I deserve this" stops winning.

When looking for a financial advisor, lead with exactly what you want in the first five minutes. A real professional will tell you if it's not their specialty.

Resources mentioned:


Enjoy!

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Transcript

Click on a timestamp to play from that location

0:00.0

You know, I would be ready for our Monday salute guys, but I don't have a drink with me.

0:05.4

And I felt so awful all day behind the scenes that if I did have a drink with me, it might not end well.

0:11.7

Be peptobismal. You should be hoisting your pink peptobismal drink.

0:16.7

I 100% should. But we're going to make it through the podcast because we've got, because we got Len here. Len, you ready? You got your drink? I've got my, I've got my drink right here. You're drinking for two today. I'm drinking for two. Yes. I'll drink for you. Here's to you, sir. I'll try not to say anything that'll make you queasy either.

0:39.1

Here's to you, upset stomach man.

0:45.2

On behalf of the men and women making podcast at Mom's Basement

0:48.7

and the men and women all over the world stacking Benjamin's with us today,

0:52.4

big salute out to our troops who are working double, triple, quadruple over time right now.

0:59.4

Thanks for all you do.

1:01.2

Let's go stack some benjamins together now, shall we?

1:04.6

Thanks, everybody.

1:07.1

Ladies and gentlemen, we have a big show, a real big shoe.

1:16.1

Live from Joe's Mom's Basement, it's the Stacking Benjamin Show.

1:21.5

I'm Joe's mom's neighbor, Doug, and how would you like to invest like a Midwest millionaire?

1:36.3

One publication dives into some everyday millionaire traits that you can use no matter where you live.

1:42.7

We'll help you mine more stacks of gold on today's

1:46.2

show. Plus, we'll answer a question from Debbie who thought, you know, I'd better call Saul.

1:51.8

See hi and OG. She's struggling to hire the right financial advisor and wants to know how to find

1:57.6

one who can help with a specific problem. How do you narrow the field?

2:01.6

We'll help you with that too, Debbie.

2:04.6

Of course, OG and Anna are back talking financial basic training,

2:08.6

and we can't let you go home without a bag full of some of my amazing trivia.

...

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