{"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":"The Retirement Wall of Shame: Mistakes That Wreck Retirement Plans (SB1863)","slug":"the-retirement-wall-of-shame-mistakes-that-wreck-retirement-plans-sb1863","published_at":"2026-07-03T08:01:00+00:00","page_url":"https://stenobird.com/podcast/the-stacking-benjamins-show-745268/the-retirement-wall-of-shame-mistakes-that-wreck-retirement-plans-sb1863","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/f7f3f196-f0a2-4f64-b0fe-5018d3608ee5.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0","audio_url":"https://pscrb.fm/rss/p/mgln.ai/e/345/rss.art19.com/episodes/f7f3f196-f0a2-4f64-b0fe-5018d3608ee5.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0","summary":"Most retirement content talks about what to do. This episode talks about what actually goes wrong -- and how often it happens to people who thought they had it figured out. Joel Larsgaard of How to Money, Paula Pant of Afford Anything, and Jesse Cramer of Personal Finance for Long-Term Investors each nominate their worst retirement mistake for the wall of shame. Some make it. Some get argued off. All of them are more common than you'd think. What You'll Walk Away With Why \"everything's going to go according to plan\" is the most dangerous assumption in retirement -- and the gray swan events nobody sees coming that quietly derail otherwise solid plans The difference between a black swan and a gray swan: why divorce, health changes, and job loss in your early 60s aren't surprises exactly, and yet almost nobody plans for them Why most people retire two to three years earlier than they expected -- and why those lost years tend to be peak earning years The pre-tax wealth trap: why the number in your 401(k) isn't the number you actually get to spend -- and the planning that closes the gap Joel's RV warning: why the most regretted retirement purchase is almost always the one that seemed most exciting at the moment of retirement The copy-paste retirement: why doing what other retirees do -- epic trips, vacation homes, the shiny version of leisure -- often produces a quietly miserable result Why the 4% rule is a starting point, not a sentence: how lumpy real-world expenses, medical costs, and changing needs make a fixed withdrawal rate more aspiration than reality The lifestyle design question underneath all of it: why Fritz Gilbert's polling of actual retirees found that finances barely make the top concerns list once you're actually retired Paula's fix for the go-go years: how…","meta_description":"Most retirement content talks about what to do. This episode talks about what actually goes wrong -- and how often it happens to people who thought they h…","key_points":[],"chapters":[],"topics":[],"duration_seconds":3844,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-stacking-benjamins-show-745268/episodes/the-retirement-wall-of-shame-mistakes-that-wreck-retirement-plans-sb1863/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/the-retirement-wall-of-shame-mistakes-that-wreck-retirement-plans-sb1863.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}