# Building Your Personal Finance Curriculum (At Any Age)  SB1824

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Text version: https://stenobird.com/podcast/the-stacking-benjamins-show-745268/building-your-personal-finance-curriculum-at-any-age-sb1824.md
Podcast: [The Stacking Benjamins Show](https://stenobird.com/podcast/the-stacking-benjamins-show-745268)
Published: 2026-04-03T07:01:00+00:00
Episode link: https://www.stackingbenjamins.com/looking-at-your-money-report-card-1824/
Audio file: https://pscrb.fm/rss/p/mgln.ai/e/345/rss.art19.com/episodes/94ba10ae-73a1-48a0-b067-6b57623aa3a2.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0
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Duration seconds: 3910

## Resource

Most of us were never taught this stuff. So, where do you actually start? Thirty-nine states now require a personal finance course to graduate from high school. That's real progress — and it still might not be enough. Because financial education isn't a one-time event. It's a living curriculum that has to grow with you, stay connected to your actual life, and — crucially — help you get out of your own way when things get emotionally charged. This week, Joe and the crew build that curriculum from the ground up. Whether you're 22 or 52, there's a starting point here for you. Rubin Miller — Financial advisor, founder of Peltoma Capital, and author of the Fortunes and Frictions blog. Came from the investment world before financial planning, which means he sees the whole game differently and isn't afraid to say so on LinkedIn. Paula Pant — Afford Anything host, behavioral finance truth-teller, and the person who goes on record this week with a very confident guess about the trivia answer. OG — The basement's own financial planner, father of a teenager who wants to day trade, and enthusiastic opponent of giving the government any money he doesn't absolutely have to. On building the foundation: Why the first step in any financial plan is an honest accounting of where everything actually stands: income, spending, assets, debt, all of it What's coming up in the next three to five years and why that question matters more than any abstract retirement calculation Why teaching a 17-year-old about mortgages probably doesn't stick and what actually does The one thing traditional savings accounts do really well (hint: it's great for banks, not for you) Why your behavior matters more than your math and what to do about it On protecting what you're building: The insurance mistake most p…

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