{"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":"Your Best Money Questions Answered: Emergency Funds, Inherited IRAs, Single-Person Planning, and More (SB1864)","slug":"your-best-money-questions-answered-emergency-funds-inherited-iras-single-person-planning-and-more-sb1864","published_at":"2026-07-06T08:01:00+00:00","page_url":"https://stenobird.com/podcast/the-stacking-benjamins-show-745268/your-best-money-questions-answered-emergency-funds-inherited-iras-single-person-planning-and-more-sb1864","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/2c866cfe-fe27-4713-9fef-935cb39767d6.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0","audio_url":"https://pscrb.fm/rss/p/mgln.ai/e/345/rss.art19.com/episodes/2c866cfe-fe27-4713-9fef-935cb39767d6.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0","summary":"Should you invest money you're saving for a house, or keep it in cash? How does an inherited IRA actually work when it's split between siblings? What should a single person think about differently when planning for retirement? And is SGOV a reasonable place to park your emergency fund? Joe and OG dig in. These aren't questions from this week. They're questions Stackers sent in over a year ago -- and people are still asking every single one of them. What You'll Walk Away With The house down payment question: why OG flips it around and asks what happens if the market is down 20% when you need the money -- and how the answer tells you exactly what to do Why the juice-worth-the-squeeze question matters more than the optimal investment question when your timeline is three to five years How inherited IRAs actually work: the 10-year rule, required minimum distributions, what happens when multiple siblings inherit the same account, and when it might make sense to just pay the tax and be done with it Why a spouse inheriting an IRA follows completely different rules -- and why you cannot add to an inherited IRA even if you don't have one of your own The single person's financial plan: why disability insurance is the most important protection nobody thinks about, why your estate plan needs different beneficiary logic than a married person's, and why being your own backstop means advocating harder for your own income Michelle's numbers run through the Rule of 72: why a 35-year-old with $270,000 already saved may be closer to Coast FI than she realizes SGOV as an emergency fund: when treasury ETFs make sense as a cash alternative, when they don't, and why over-optimizing your cash flow can cost you more in overdraft fees than you ever gained Why keeping one to two months of expense…","meta_description":"Should you invest money you're saving for a house, or keep it in cash? How does an inherited IRA actually work when it's split between siblings? What shou…","key_points":[],"chapters":[],"topics":[],"duration_seconds":3607,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/the-stacking-benjamins-show-745268/episodes/your-best-money-questions-answered-emergency-funds-inherited-iras-single-person-planning-and-more-sb1864/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/your-best-money-questions-answered-emergency-funds-inherited-iras-single-person-planning-and-more-sb1864.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}