{"podcast":{"title":"The Stacking Benjamins Show","slug":"the-stacking-benjamins-show-745268","podcast_index_feed_id":745268,"rss_url":"https://rss.art19.com/stacking-benjamins","website_url":"https://art19.com/shows/stacking-benjamins","image_url":"https://content.production.cdn.art19.com/images/87/54/4a/99/87544a99-93b0-43d7-ab5a-85740bd3c717/71bf0e7a9549bbb1bd6387061e4babe7de5f5f69871c51df6cacfb170f26c893bd355e9bb2fdd3aa95cab86caf5780843b407fb86f6bfd21137c7217811f3de5.jpeg","author":"Joe Saul-Sehy and Josh ‘OG’ Bannerman, CFP","episode_count":1501,"summary":"Named Best Personal Finance Podcast by Bankrate.com and Kiplinger — and the only podcast the Plutus Awards retired from competition after winning twice — The Stacking Benjamins Show is personal finance that doesn’t put you to sleep. Hosts Joe Saul-Sehy (former 16-year financial advisor, ex-WXYZ-TV “Money Man”) and Josh “OG” Bannerman, CFP (Certified Financial Planner, Bannerman Wealth) sit around the card table in Joe’s mom’s half-finished basement in Texarkana and talk money with the smartest guests in personal finance, investing, and behavioral economics. As Fast Company wrote, the show “strikes a great balance of fun and functional.” Every Monday, Wednesday, and Friday: expert guests, real headlines, listener questions, and Doug’s trivia. Topics include investing, retirement planning, budgeting, real estate, behavioral finance, taxes, and financial independence — for anyone who wants to be smarter about money without being talked down to. Subscribe to The 201 — the free newsletter that goes deeper than the show — at stackingbenjamins.com/201","last_synced_at":"2026-07-20T16:21:40.778249+00:00","page_url":"https://stenobird.com/podcast/the-stacking-benjamins-show-745268"},"episode":{"title":"59% of Retirees Left the Workforce Earlier Than Planned -- Are You Ready If It Happens to You? SB1852","slug":"59-of-retirees-left-the-workforce-earlier-than-planned-are-you-ready-if-it-happens-to-you-sb1852","published_at":"2026-06-08T08:01:00+00:00","page_url":"https://stenobird.com/podcast/the-stacking-benjamins-show-745268/59-of-retirees-left-the-workforce-earlier-than-planned-are-you-ready-if-it-happens-to-you-sb1852","show_page_url":"https://stenobird.com/podcast/the-stacking-benjamins-show-745268","url":"https://pscrb.fm/rss/p/mgln.ai/e/345/rss.art19.com/episodes/46b8878a-bc62-442e-b8dc-ae1bf778d660.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0","audio_url":"https://pscrb.fm/rss/p/mgln.ai/e/345/rss.art19.com/episodes/46b8878a-bc62-442e-b8dc-ae1bf778d660.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0","summary":"Most people plan their retirement like they control the date. The data says they don't. A new Society of Actuaries study found that 59% of retirees stopped working earlier than expected -- and for most of them, the decision wasn't theirs. Health setbacks, job loss, caregiving demands, and plain old job dissatisfaction all showed up before the spreadsheet said it was time. Joe and OG dig into what the numbers actually mean, who's most at risk, and the specific steps that create real flexibility before retirement finds you. OG and Anna follow with a full walkthrough of equity compensation -- RSUs, ESPPs, and stock options -- including the tax surprise that catches most people off guard. What You'll Walk Away With Why 59% of retirees left the workforce earlier than they planned -- and why only 6% left later The income gap nobody talks about: how high earners retire early mostly because they wanted to, while lower earners are pushed out by health and job loss Why Coast FIRE math falls apart the moment your income stream stops before you planned -- and what that means for how aggressively you should be saving right now The one manager change that can end a 20-year career overnight -- and why keeping your network warm is one of the most underrated retirement prep moves available The 30-year mortgage paid like a 15-year analogy: why building financial margin now means retirement can happen on your terms, not someone else's How to prepare for the emotional side of early retirement -- including the identity shift, the relationship changes, and the pent-up demand that makes the first year unexpectedly wild RSUs versus stock options versus ESPPs: what each one actually means, how they're taxed differently, and why getting a grant without a strategy is the most expensive mistake i…","meta_description":"Most people plan their retirement like they control the date. The data says they don't. A new Society of Actuaries study found that 59% of retirees stoppe…","key_points":[],"chapters":[],"topics":[],"duration_seconds":3588,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-stacking-benjamins-show-745268/episodes/59-of-retirees-left-the-workforce-earlier-than-planned-are-you-ready-if-it-happens-to-you-sb1852/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/the-stacking-benjamins-show-745268/59-of-retirees-left-the-workforce-earlier-than-planned-are-you-ready-if-it-happens-to-you-sb1852.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}