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StackingBenjamins.com | Cumulus Podcast Network

Named the Best Personal Finance Podcast by Bankrate.com and Kiplinger, The Stacking Benjamins Show features a light and friendly tone. Hosts Joe Saul-Sehy and OG aim to make financial literacy fun for all as they sit around the card table in Joe's Mom's half-finished basement and talk with experts about personal finance, saving, investing, and important money trends. As Fast Company once wrote, the Stacking Benjamins podcast "strikes a great balance of fun and functional." So join Joe and OG every Monday, Wednesday and Friday as they read your letters, discuss major headlines, and throw in some trivia and laughs for free.

The Stacking Benjamins Show

Does more money make life easier, or does it just give you more expensive problems to solve? Most people assume that once they start earning more, their financial life will finally calm down and organize itself. Then they get the raise or the promotion or the business success, and somehow things feel just as chaotic as before, just with bigger numbers involved.

Joe Saul-Sehy is joined by Paula Pant (Afford Anything), Jesse Cramer (Personal Finance for Long-Term Investors), and OG to explore why "more" isn't always "simpler." The crew digs into early money mistakes they'd all like to forget, the weird psychological traps that show up as income grows, and why your brain doesn't automatically upgrade its money management skills just because your paycheck did.

The conversation gets real about the hidden mental challenges that come with wealth growth. Decision fatigue gets worse, not better. Lifestyle creep sneaks in wearing a very convincing disguise. And suddenly you're agonizing over choices that used to be simple, because now you can afford multiple options and none of them feel obviously right. If you've ever wondered why your financial life didn't magically self-organize the moment you started earning more, this roundtable has your answers.

The crew also tackles listener questions about building budgeting habits that actually stick, finding genuine financial confidence, and creating systems that scale with your life instead of working against it. Because the goal isn't just to make more money. It's to build a life that feels manageable and intentional at whatever income level you're at.

Plus, Doug delivers a trivia showdown featuring fierce competition, questionable strategy, and what might be the most overthought trophy dilemma in basement history.

What You'll Walk Away With:

• Why more income doesn't automatically reduce financial stress and often creates new complications

• The hidden mental traps people fall into as their wealth grows and how to spot them early

• How Paula, Jesse, OG, and Joe think about building lasting financial confidence at any income level

• Practical budgeting strategies that work whether you're making $50K or $500K

• Why simple pleasures matter more (not less) as your money grows

• The surprising ways earning more actually complicates everyday decisions

• Listener Q&A on habits, organization, and creating systems that smooth out financial chaos

• Permission to admit that making more money didn't solve everything like you thought it would

This Episode Is For You If:

• You're earning more than you used to but somehow don't feel more in control

• You assumed financial stress would decrease with income but it just shifted to different problems

• You're stuck between multiple good options and can't figure out why that's so paralyzing

• You want to hear successful people admit that more money created complications they didn't expect

• You're building wealth but want to make sure you're also building a life that feels good

Before You Hit Play, Think About This:

What's one financial decision that got harder (not easier) as you started earning more money? Drop your answer in the comments because this roundtable proves you're definitely not the only one experiencing this paradox.

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Does More Money Actually Make Life Easier? (Spoiler: Not Really) SB1773

Walking away from a secure city government job to eventually run one of the world's most recognizable handbag brands sounds like fiction. For Lew Frankfort, it became his career story, and the path between those two points is exactly what makes this conversation so valuable.

Lew joins Joe Saul-Sehy and OG in the basement to break down how a combination of discipline, curiosity, and what he calls "magic and logic" shaped his journey from city hall to the corner office at Coach. This isn't just inspiration for aspiring executives. Lew's insights about making better decisions, taking calculated risks, and building a meaningful life apply whether you're 25 or 55, whether you're climbing the ladder or considering jumping to a different one entirely.

Lew shares how preparation became his secret advantage, why curiosity beats confidence during major transitions, and what he learned about leadership while helping transform Coach into a global powerhouse. His framework for balancing intuition with analysis gives the Confident Explorer a practical lens for evaluating their own big moves, career pivots, or midlife reinventions.

Then Joe and OG shift gears to tackle a different kind of transition. The first year of retirement. When excitement runs high and "go-go" energy meets newfound freedom, spending can spiral in ways that derail decades of careful planning. They break down the crucial financial decisions retirees face right out of the gate, why that first year can be surprisingly dangerous, and how to set yourself up for long-term stability without killing the joy of finally having time to live.

Plus, Doug delivers trivia involving time travel and underwear, because even episodes about CEO wisdom and retirement planning need a reality check from the basement.

What You'll Walk Away With:

• How Lew Frankfort pivoted from city government work to leading Coach and what that path teaches about career reinvention

• The "magic and logic" framework anyone can apply to big decisions and career moves

• Why curiosity and thorough preparation matter more than confidence when making your next leap

• Leadership lessons from someone who helped build a global brand from the inside

• What retirees absolutely must understand about spending during that crucial first year

• Why the "go-go years" of early retirement can wreck your finances if you're not careful

• Strategies for aligning your early retirement excitement with long-term financial stability

• Permission to reinvent yourself at any age, armed with both inspiration and practical wisdom

This Episode Is For You If:

• You're considering a career change but worried you're too far along to pivot

• You want to understand how successful people actually made their big moves

• You're approaching retirement and want to avoid the spending traps that catch most people

• You're curious how to balance intuition with analysis when making major life decisions

• You believe it's never too late to build something meaningful or try something new

Before You Hit Play, Think About This:

What's one career move or life transition you've been thinking about but haven't pulled the trigger on yet? What's actually holding you back? Drop your answer in the comments because Lew's story might be exactly the perspective shift you need to take that next step.

FULL SHOW NOTES: https://www.stackingbenjamins.com/https-stackingbenjamins-com-lou-frankfort-bagman-1772/

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 (https://www.stackingbenjamins.com/201)

Enjoy!

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Magic and Logic: How Lew Frankfort Built Coach (Plus: Don't Make This Retirement Mistake (SB1772)

Holiday parties make you want to hide behind the cheese tray. Gift-giving season makes your budget cry. This episode is your survival guide for both.

Joe Saul-Sehy, OG, and Neighbor Doug welcome Pulitzer Prize-winning author Charles Duhigg to turn holiday small talk from awkward endurance test into something you might actually enjoy. Whether you're facing the office party, a family gathering with that cousin who won't shut up about crypto, or the neighborhood potluck where you know exactly three people, Charles reveals how to walk into any room with confidence, even if you're an introvert who'd rather be home watching movies.

The secret? Super communicators aren't the loudest people in the room. They're the ones asking better questions, reading the conversation correctly, and making others feel heard. Charles breaks down the skills that turn painful small talk into genuine connection, and why introverts actually have hidden advantages at holiday gatherings (yes, really).

Then the crew tackles the other holiday stressor of gift-giving that doesn't demolish your December budget. Joe, OG, and Doug explore the rising trend of secondhand gifting. It's not just about saving money (though your wallet will thank you). It can be more meaningful, more creative, and kinder to both your finances and the planet. From thrifted treasures to thoughtful "found" gems, they share how to give smarter instead of just spending more.

Plus, Doug's toilet paper trivia arrives right on schedule (because what's a holiday episode without something unexpected?), along with stories about neighbors behaving badly and a brief tour through apps you forgot you're still paying for.

What You'll Walk Away With:

• Charles Duhigg's framework for turning small talk into actual connection without feeling fake

• Why introverts have secret advantages at holiday parties and how to use them

• Smart, budget-friendly gifting strategies that feel thoughtful rather than last-minute or cheap

• The case for secondhand gifts and how to do it in a way that feels special

• How to avoid blowing your holiday budget without looking (or feeling) stingy

• Creative ways to personalize gifts without overspending or resorting to gift cards

• Why communication skills affect both your happiness and your financial decisions

This Episode Is For You If:

• Holiday small talk feels like torture and you'd rather shovel snow

• You want to give meaningful gifts but refuse to wreck your January budget doing it

• You're an introvert dreading the season of forced social interaction

• You're tired of generic gift guides telling you to "just spend less" without actual ideas

• You believe better conversations and smarter spending are both learnable skills

Before You Hit Play, Ask Yourself:

What's the most meaningful non-new gift you've ever given or received? Think about why it mattered. That's the kind of gifting Charles and the crew are talking about. Drop your story in the comments because we're building the anti-Amazon holiday gift playbook together.

FULL SHOW NOTES: https://www.stackingbenjamins.com/how-to-actually-enjoy-holiday-small-talk-1771/

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!
Learn more about your ad choices. Visit podcastchoices.com/adchoices

How to Actually Enjoy Holiday Small Talk (And Give Better Gifts for Less) SB1771

Here's the problem with most frugality advice: it makes you feel like a monk who's taken a vow of joylessness.

Joe Saul-Sehy and Neighbor Doug gather the roundtable crew—Paula Pant (Afford Anything), Jesse Cramer (Personal Finance for Long-Term Investors), and Andy Hill (Marriage, Kids, and Money)—to prove that frugality isn't about deprivation. It's about designing a life that feels good and costs less.

The conversation gets real fast: what's the difference between thoughtful frugality and soul-crushing penny-pinching? How do you cut spending without cutting joy? And why do some people thrive on frugal challenges while others just end up resentful and burnt out?

The crew shares their own tactics, from "shopping your fridge" (a shockingly high-ROI habit most people ignore) to the power of frugal sprints instead of permanent deprivation mode. They break down how to align your spending with your actual values instead of society's expectations, why raising income often beats shaving another $3 off your grocery bill, and how to turn frugality into something your kids actually want to participate in (no guilt trips required).

You'll also hear about the expenses each of them refuses to cut no matter how frugal they get, because smart money management isn't about eliminating everything; it's about keeping what matters and ditching what doesn't.

Plus: stories about mystery freezer leftovers, subscription fees that sneak in like cat burglars, and Doug's perspective on... well, whatever Doug decides matters that day.

What You'll Walk Away With:

• The difference between frugality that improves your life and penny-pinching that just makes you miserable

• Why "shopping your fridge" might be the highest-return grocery habit you'll ever adopt

• How to design spending around your actual values instead of just cutting blindly

• The power of "frugal sprints"—short-term challenges that work without long-term burnout

• How to involve your kids in frugal habits without making them feel deprived

• Why focusing on raising income often matters more than obsessing over tiny budget cuts

• Which expenses the pros refuse to cut—and why knowing your "worth it" list matters

This Episode Is For You If:

• You want to save money but refuse to live like you're broke when you're not

• Traditional frugality advice makes you feel guilty about things that actually bring you joy

• You're trying to cut spending but can't figure out where to start without feeling deprived

• You want to model smart money habits for your kids without making them fear spending

• You're tired of finance advice that assumes everyone should want the same lifestyle

Before You Hit Play, Think About This:

What's the one expense you refuse to cut, no matter how frugal you get? And what does that tell you about what actually matters to you? Drop your answer in the comments—we want to know what's on everyone's "worth it" list.

FULL SHOW NOTES: https://www.stackingbenjamins.com/how-to-save-money-without-making-your-life-miserable-sb1770/

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201

Enjoy!
Learn more about your ad choices. Visit podcastchoices.com/adchoices

How to Save Money Without Making Your Life Miserable (SB1770)

Here's something nobody tells you: knowing how to make money is easy compared to knowing how to spend it well.

Morgan Housel, bestselling author and one of the sharpest minds in personal finance, is back in the basement with Joe Saul-Sehy, OG, and Neighbor Doug to tackle the question most financial advice completely ignores: why do we spend the way we do, and how can we get better at it?

This isn't about budgeting apps or cutting lattes. It's about understanding the psychology underneath every swipe of your card. Morgan shares stories from his early days working valet for the ultra-wealthy—the spending patterns he observed, the misery he witnessed, and the lessons that changed how he thinks about money forever. Turns out, having more money doesn't automatically make you better at spending it. In fact, it often makes you worse.

The conversation digs into what actually creates happiness (spoiler: it's not more stuff), why contentment matters more than your net worth, and how true financial independence isn't about the size of your portfolio—it's about the freedom to make choices that align with your actual values. Morgan also breaks down what Warren Buffett's retirement announcement reveals about staying grounded while building wealth, and why comedians might understand money better than most economists.

Plus: Doug takes a trivia detour to a surprisingly risqué national park (because of course), and the crew wraps with binge-worthy recommendations for your next couch night.

If you're tired of chasing more and ready to figure out what enough actually looks like, this episode is required listening.

What You'll Walk Away With:

• Why spending money well is a psychological skill, not a math problem—and how to develop it

• What Morgan learned about wealth and misery from parking cars for millionaires in their driveways

• The hidden drivers behind your financial decisions (and how to spot them before they derail you)

• Why contentment—not consumption—is the real key to long-term happiness

• What true financial independence actually means (hint: it's not a number in your bank account)

• How Warren Buffett's approach to retirement reveals timeless principles about money and legacy

• Simple guiding principles to help you spend smarter and live calmer

This Episode Is For You If:

• You've hit financial goals but still don't feel satisfied

• You're tired of spending money on things that don't actually make you happier

• You want to understand why you make the money decisions you do (even the questionable ones)

• You're curious what actually separates people who enjoy their money from people who just have it

• You believe there's more to financial success than just accumulating more

Before You Hit Play, Think About This:

What's one purchase you made that brought way more joy than its price tag would suggest—and can you figure out why? That's the kind of spending Morgan's talking about. Drop your answer in the comments—the basement wants to hear what actually brought you happiness.

FULL SHOW NOTES: https://www.stackingbenjamins.com/the-art-of-spending-money-with-morgan-housel-1769/
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Morgan Housel: Why You Spend Money (And How to Do It Better) SB1769

Let's be honest: taxes feel like that thing you're supposed to understand but somehow never learned, and now you're too embarrassed to ask.

Joe Saul-Sehy, OG, and Neighbor Doug welcome Hannah Cole—artist-turned-tax-pro and author of the brand-new book Taxes for Humans—to finally explain taxes in language that doesn't require a CPA license to understand. Hannah's built her career translating tax code for freelancers, side hustlers, and small business owners who just want to know what they can deduct, what'll get them audited, and how to stop drowning in shoebox receipts.

She breaks down the real difference between a legitimate business expense and wishful thinking, how to track startup costs without losing your mind, and why the bookkeeping system that works is the one you'll actually use (spoiler: it doesn't have to be fancy). Whether you're launching a side gig, running a creative business, or just trying to keep the IRS from ruining your holiday season, Hannah's got the roadmap.

Then Joe and OG shift gears to tackle the "AI bubble" conversation everyone's having—is this tech hype justified, or are we watching 1999 all over again? They break down how to think about market froth without panicking, why smart investors don't build their strategy around TikTok prophets predicting doom, and how to prepare your portfolio for volatility without making fear-based moves.

Plus: Doug delivers trivia about Richard Pryor's Blazing Saddles days, because even tax talk deserves a palate cleanser.

What You'll Walk Away With:

• Tax basics explained in actual human language (finally)—what counts as a deduction and what's just wishful thinking

• How to set up simple, sustainable bookkeeping systems for side gigs or small businesses that you'll actually maintain

• The smartest way to track startup expenses without drowning in receipts or spreadsheets

• Why the IRS isn't as scary as you think when you've got your basics covered

• How to think about AI market hype without getting swept up in either the euphoria or the panic

• Smart strategies for preparing your portfolio for volatility without making emotion-driven decisions

• Why the right tax and investing systems buy you back time, creativity, and peace of mind

This Episode Is For You If:

• You've been winging it on taxes and know you're probably missing deductions (or making mistakes)

• You run a side hustle but have no idea what you can actually write off

• Tax season makes you anxious because you're never sure if you're doing it right

• You're hearing AI bubble talk everywhere and wondering if you should be worried about your investments

• You want systems that are simple enough to actually follow, not perfect enough to abandon by February

Before You Hit Play, Think About This:

What's the tax mistake you wish you could warn your younger self about? Drop it in the comments—we're all learning here, and sometimes the best lessons come from what we got wrong the first time.

FULL SHOW NOTES: https://www.stackingbenjamins.com/tax-basics-for-side-hustlers-ai-market-tips/

Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Tax Basics You Should've Learned Years Ago (But Nobody Taught You) SB1768

Here's a secret: some of the best financial education doesn't come from books or podcasts. It comes from a board game box.

Joe Saul-Sehy welcomes Kylie Prymus, board game expert and owner of Pittsburgh's award-winning store Games Unlimited, for a conversation about the games that sneak money lessons into brilliant gameplay. These aren't boring "educational games" that make kids groan—they're genuinely fun strategy games that happen to teach supply and demand, resource management, risk assessment, and long-term planning better than most finance courses.

Kylie walks through his top picks for economic games that'll make you (and your kids, and yes, your brother-in-law) think differently about money. From deck-builders like Dominion that teach portfolio diversification to Food Chain Magnate (basically an MBA in a box, but way more entertaining), these games turn financial concepts into actual decisions with consequences you can see play out in real time.

But this isn't just about learning—it's about leveling up your holiday gatherings. Kylie shares his favorite cozy games for the season, from the absurdly cute cat-themed strategy game Boop to party games like Monikers that even Uncle Larry can't ruin. Whether you need something cooperative to bring the family together or competitive enough to settle old scores, this episode has you covered.

Plus: you'll hear why game stores like Games Unlimited curate experiences (not just inventory), and how the right game can turn a tense holiday gathering into something people actually want to repeat.

What You'll Walk Away With:

• The board games that teach money concepts like budgeting, income streams, and resource management without feeling like homework

• Why Dominion, Food Chain Magnate, and other economic games are secretly brilliant financial teachers

• Kylie's top holiday game picks—from cozy strategy games to party games that work for any crowd

• How game mechanics like deck-building and resource trading translate directly to real-world money decisions

• What to look for when choosing games that work for both newbies and strategy enthusiasts

• Why games teach financial lessons better than lectures—and how to use that with kids (or adults who need a refresh)

• The surprising ways marketing, scarcity, and community building show up in tabletop games

This Episode Is For You If:

• You want to teach your kids about money in a way that doesn't feel like a lecture

• You're looking for games that are actually fun but happen to build financial thinking

• Your family game nights need an upgrade beyond Monopoly arguments

• You're curious about board games but don't know where to start

• You believe the best learning happens when you're having too much fun to notice you're learning

What's Your Money Game?

Drop your answer in the comments: What board game taught you a real money lesson, even if it wasn't trying to? Or if your financial personality were a board game, which one would it be? The basement wants to know—and we're always looking for new game recommendations.

FULL SHOW NOTES: https://www.stackingbenjamins.com/kylie-prymus-board-games/

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201

Enjoy!
Learn more about your ad choices. Visit podcastchoices.com/adchoices

Board Games That Make You Smarter With Money (Without Feeling Like School) SB1767

Black Friday's coming, your inbox is screaming deals at you, and you're trying to figure out: is this tech actually worth it, or will it be collecting dust by Valentine's Day?

Joe Saul-Sehy, guest co-host CFP Anna Allem, and Neighbor Doug bring in Bridget Carey from CNET to cut through the holiday tech chaos. Bridget's spent her career testing gadgets, and she's here to tell you what's actually worth your money this season—from Nintendo's surprisingly strong lineup to handheld gaming devices like Steam Deck and Xbox Cloud that might replace your console. She also warns you away from AI-powered appliances that still feel like they're arguing with you instead of helping.

Bridget breaks down the smart way to approach Black Friday and Cyber Monday without wrecking your December budget, which deals are real and which are manufactured hype, and why some tech gifts send a very specific message to your in-laws (and maybe not the one you want).

Then the conversation shifts from tech temptations to investing platforms—specifically Robinhood. The confetti animations are fun, the interface is slick, but is it actually built for serious long-term investing? Joe and Anna dig into where Robinhood works, where it distracts, and why your retirement plan might need something more substantial than gamified stock trading and crypto side quests.

Plus: Doug delivers Thanksgiving-adjacent trivia, and the crew takes a nostalgic detour through Skip-Its and Long Furbys that'll fuel your next holiday gathering conversation.

What You'll Walk Away With:

• Bridget Carey's insider guide to which holiday tech deals are legit and which are overhyped garbage

• The best gaming and gadget gifts this season (from someone who actually tests this stuff for a living)

• Why some AI appliances still feel like expensive beta tests you're paying to debug

• Smart strategies for Black Friday and Cyber Monday that don't demolish your December budget

• The honest truth about Robinhood: where it shines and where serious investors should look elsewhere

• How investing platforms subtly influence your behavior—and whether that's helping or hurting you

• How to stay grounded when shiny objects (tech or financial) start calling your name

This Episode Is For You If:

• You're staring at Black Friday ads wondering which deals are actually worth it

• You want tech gift advice from someone who isn't trying to sell you something

• You've been using Robinhood and wonder if it's actually helping your long-term investing goals

• You're curious whether the flashy features on investing apps are making you a better or worse investor

• You need a reality check before holiday spending turns into January regret

Before You Hit Play, Ask Yourself:

What's the worst tech purchase you've ever made? Bonus points if it broke before New Year's. Drop it in the comments—misery loves company, and we're building the ultimate "do not buy" list together.

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!

Learn more about your ad choices. Visit podcastchoices.com/adchoices

Black Friday Tech: What's Worth Buying (And What's Just Hype) SB1766

Black Friday is coming, and you've got two choices: get trampled at 3 a.m. for a discount air fryer, or learn how the pros actually save hundreds without the drama.

Joe Saul-Sehy and Neighbor Doug kick off Black Friday week with the perfect blend of strategy and sanity. First up: Australian comedian Josh Liston tries to make sense of American Thanksgiving traditions and why we consider waking up before dawn to fight strangers over discounted electronics "normal holiday fun." Spoiler: he's not buying it.

Then Regina Conway from Slick Deals drops in with the actual playbook. Regina breaks down when to shop during Black Friday week (different categories peak on different days), how to stack coupons with cashback and gift card deals for maximum savings, and why subscriptions and memberships might be the smartest budget-friendly gifts you're not considering. She also reveals how the Slick Deals community spots hidden bargains before they disappear—and how you can do the same.

But here's where it gets real: Joe, Doug, and Josh tackle Buy Now Pay Later schemes like Affirm and Klarna. They're everywhere this season, and they're tempting. They're also the financial equivalent of eating Halloween candy for breakfast—feels great in the moment, regrettable by lunch. You'll learn exactly when these services make sense (rare) and when they're just a trap disguised as convenience.

Whether you're hunting deals or trying to avoid holiday debt, this episode is your survival guide for coming out ahead.

What You'll Walk Away With:

• Regina Conway's insider strategy for when to shop during Black Friday week (hint: timing matters more than you think)

• How to stack coupons, cashback offers, and gift card deals to maximize every purchase

• Why subscriptions and memberships make surprisingly smart (and budget-friendly) holiday gifts

• Grocery hacks that actually save money during the most expensive shopping weeks of the year

• The truth about Buy Now Pay Later—when it's useful and when it's just expensive debt with good marketing

• How community-powered deal sites like Slick Deals help you find and vet bargains before they vanish

• Smart strategies to enjoy the holidays without the January credit card hangover

This Episode Is For You If:

• You want Black Friday deals without the 3 a.m. wake-up call or the crowds

• You're trying to save money this season but feel overwhelmed by all the "deals"

• You've been tempted by Buy Now Pay Later but aren't sure if it's smart or stupid

• You want to give great gifts without blowing your budget (or your sanity)

• You believe there's a smarter way to shop than fighting strangers for discounted TVs

What's Your Black Friday Strategy?

Are you a doorbuster warrior, an online deal hunter, or someone who avoids the whole thing? Drop your approach in the comments—and if you've got a Black Friday horror story (or victory), the basement wants to hear it.

FULL SHOW NOTES: https://stackingbenjamins.com/how-to-save-big-this-black-friday-regina-conway-1765

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!

Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Smart Person's Guide to Black Friday Deals (SB1765)

What if you could sit down with the people actually building the future of personal finance and just... ask them everything?

That's exactly what happens in this episode. Joe Saul-Sehy gathers three FinTech insiders around the basement table—Peter Polson (founder, Tiller), Aaron Froug (founder, Grifin), and Ryan Ruff (longtime FinTech pro, Array)—for a rare look inside the industry that's reshaping how we handle money.

This isn't about pitching their products. It's about understanding how FinTech actually works, where it's headed, and how everyday people can use these tools more effectively. Peter and Aaron share what they've learned building companies from the ground up, while Ryan pulls back the curtain on the infrastructure most people never see but rely on every single day.

The conversation goes deep: What are most people getting wrong about money apps? How can you get more value from the tools you're already using? Where is AI actually making finance easier (versus just adding complexity)? And as creators, how can they design tools that genuinely help people instead of just creating more digital clutter?

You'll also hear their take on what's coming next—the innovations that'll matter in five years, the trends that are overhyped, and the blind spots the industry still needs to address. Whether you're a FinTech skeptic or an early adopter, this conversation will change how you think about the apps sitting on your phone right now.

What You'll Walk Away With:

• The insider perspective on how FinTech tools are actually designed—and what builders wish users understood

• How to get more value from the financial apps you're already using (most people only scratch the surface)

• Where the industry is headed: what innovations are real and what's just hype

• Why some tools work for some people but fail for others—and how to find your fit

• The infrastructure that makes your financial apps work (and what breaks when it doesn't)

• How AI is changing personal finance in practical ways, not just buzzword ways

• What FinTech creators are trying to solve—and where they admit the industry still falls short

This Episode Is For You If:

• You're curious about what's actually happening inside the FinTech world

• You want to use your money apps smarter, not just download more of them

• You're wondering what's coming next in personal finance tech and whether it'll actually help

• You've felt like financial tools are being built for someone else, not for you

• You want the insider perspective without the sales pitch—just honest conversation from people who live this every day

Before You Hit Play, Think About This:

What's one thing you wish your money apps could do better? Drop it in the comments—these are exactly the kinds of insights that help creators build tools that actually work for real people.

FULL SHOW NOTES: https://www.stackingbenjamins.com/the-current-state-and-future-of-fintech-1764

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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How to Actually Use Money Apps the Right Way (According to FinTech Pros) SB1764

We generally detest rules of thumb. Why not just do the actual math...which is generally easier than many people think? We'll take you through our top 5 list today of the times when we think rules of thumb can be the most dangerous. 
Of course, it's the Stacking Benjamins show, so that isn't all. There are also headlines, your letters, trivia, and more.
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The 5 Dumbest Rules of Thumb (SB RWD 63)

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