Balancing Holiday Cheer with your Long-Term Goals (SB1619)

The holiday season is here, and while it’s a time for celebration, it can also throw a curveball at your health and financial goals. In this episode, we’re joined by Angelo Poli from MetPro, who shares his no-nonsense approach to managing holiday indulgences without sacrificing all the progress you’ve made. Think of it as building a resilient portfolio—you can enjoy the party but still limit the downside.

From understanding your metabolism to navigating holiday feasts and weight loss medications like Ozempic, Angelo offers practical strategies to keep your health on track while enjoying the season. But we’re not stopping there. We also dive into estate planning essentials, including a cautionary tale about a video will gone wrong (yes, even your estate plan needs a solid foundation).

And what’s a holiday episode without some laughs and trivia? We round out the show with listener questions, Nick from the North’s budget dilemma, and a fun discussion about flying around the world.

What You’ll Learn Today:

• Smart strategies for balancing holiday cheer with health goals, including tips for managing alcohol and indulgent foods.
• How to leverage your metabolism for better weight management.
• The truth about weight loss medications and their real-life impact.
• Why estate planning matters more than ever in the digital age—and how to avoid common pitfalls.
• Practical advice for navigating holiday spending without blowing your budget.

Episode Highlights:

• Reflecting on how fast time flies and gearing up for the holidays.
• Angelo Poli’s top tips for keeping holiday indulgences in check.
• Breaking down myths about weight loss medications and the importance of behavior over quick fixes.
• Estate planning essentials, including lessons from a case where a video will was invalidated.
• Fun banter, trivia, and Nick from the North’s relatable holiday budget dilemma.

Why You Should Listen:
 This episode is a must for anyone juggling holiday festivities with long-term goals. Whether you’re strategizing for your health, wealth, or estate plan, you’ll find actionable advice wrapped in a festive package. Plus, it’s always good to know how to enjoy the season without feeling like you’ve set yourself back.
Take control of your holiday season and start stacking those Benjamins—without sacrificing the things you enjoy most.

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

Enjoy!

---

• 

• 

• 

• 

• 

• 

---

---

Our Headline

• His Will Was a Selfie Video, but Courts Ruled It Didn’t Count (MSN)

---

Doug’s Trivia

• How long did it take Dick Rutan and Jeana Yeager to fly around the world?

---

---

Want more than just the show notes? How about our newsletter with STACKS of related, deeper links?

• Check out The 201, our email that comes with every Monday and Wednesday episode, PLUS a list of more than 19 of the top money lessons Joe’s learned over his own life about money. From credit to cash reserves, and insurance to investing, we’ll tackle all of these. Head to StackingBenjamins.com/the201 to sign up (it’s free and we will never give away your email to others).

---

Join Us Tomorrow

Tune in tomorrow as we kick off our holiday week edition of Greatest Hits Week!

---

Written by: Kevin Bailey

Miss our last show? Listen here: Did 2024 Just Rewrite the Rules of Investing? (SB1618)

Episode transcript

[00:00:00] Joe: I can’t believe it’s 

[00:00:01] Doug: December 23rd already. Why not? Yesterday was 

[00:00:03] Joe: the 22nd. Oh, you mean they go in order again? I dunno. But my how? You know it’s funny. You remember when you were a kid and you heard old people go, oh, the time goes so fast, 

[00:00:15] Doug: but oh my goodness, where did 2024 go? It’s ’cause we’re not fully conscious all the time.

[00:00:22] Days just disappear. 

[00:00:23] Joe: Does that mean you nap a lot? Is that what you’re talking about? You’re not fully conscious. Yeah. I mean sometimes I’m still vertical and I’m napping. Is neighbor dog hitting the booze again? OG sounds like it. A little bit too much eggnog, a little bit too much party in your eggnog, you know who doesn’t have party with their eggnog this time of year?

[00:00:41] The men and women in our armed forces, well, they probably do, but not when they’re on duty. I would, I would guess they’ve had an eggnog or two. Mostly not on duty. I hope they have eggnog. You know what they’re busy doing right now? Figuring out what all these drones are doing. That’s what the men and women in the military doing they already know are doing.

[00:00:58] OG: They all know they got, we, we just can’t know. It’s a thing that happens without the military knowing. Yeah. We just can’t know. They’re all laughing. They’re like, look at that thinking UFOs Bill. Let’s not tell ’em for another week. This is great. No 

[00:01:16] Joe: Bill, I’m not gonna tell ’em. All right. Raise our bugs because at this time we always on Monday salute our troops, the men and women keeping us safe on behalf of the men and women at Navy Federal Credit Union and the men and women, make a podcast in mom’s basement.

[00:01:31] Thank you for all you do. Let’s go stack some bedrooms together. Now. 

[00:01:37] Doug: Is this high enough, Joe? 

[00:01:38] OG: Your, your joke is dumb, Doug. 

[00:01:41] Doug: High enough for what? All right. Is Doug getting high again? I was raising my mug. Oh, oh, oh gee. Got it right away. Oh, he loved it too. Yeah. He’s not annoyed at all. He is annoyed less than usual.

[00:01:58] It’s gonna be a good day. It’s a good day. Thanks everybody.

[00:02:05] bit: So drink your Yager and smoke your.

[00:02:33] Doug: Live from Joe’s mom’s basement. It’s the Stacking Benjamin Show.

[00:02:47] I’m Joe’s mom’s neighbor, Doug, and we’re rounding out the year to remind you that the best time to think about diet and exercise is right now before the Chex Mix and candy canes Find your pie haul. And to help us focus during this holiday season, we welcome the man behind Met Pro Diet and exercise coach extraordinaire Angelo Polley Plus in our headline What Happens When You Draw Out Your Will and Crayon.

[00:03:15] Or better yet, make a selfie video. We’ll share how to make sure you are covered this holiday season and beyond. But that’s not all. We’ll answer a call from a stacker who sounds suspiciously like a guy who called this time last year. Stocking up on T-shirts, dude. And of course, you know what I’m putting under your Hanukkah bush, the gift of my incredible trivia.

[00:03:40] And now two guys who are ready to celebrate eight crazy nights, and they aren’t even Jewish. It’s Joe. Oh and oh. Juju Ju Jean.

[00:03:55] Joe: Hey there, stackers. Welcome to the Crazy What last nine, nine nights of 2024. Welcome back to the Stacky Benjamin Show. I am Joe Salhi. And across the card table from me, it is the Mr. Og. How are you my friend? 

[00:04:15] OG: Uh, I’m here so I don’t get fined. He’s, he just, why 

[00:04:20] Joe: it, it’s, you know why Doug? It’s 

[00:04:22] OG: vacation time.

[00:04:23] Yes. He’s not supposed to be doing this anymore. 

[00:04:25] Joe: It’s December 23rd. He’s done with the year. It’s, uh, time to be over. You got one more show, man? One more show. Let’s focus. How was your birthday, by the way? I don’t even remember. It was fine. Is it ironic at all, Doug, that OGs birthday is on the shortest day of the year?

[00:04:44] Doug: The time of the most darkness is OGs birthday. Oh my gosh. The day when everybody is the oria. Did this 

[00:04:51] OG: just dawn on you? Doug, this has not been a known, known for you for a long time. 

[00:04:56] Doug: No, I didn’t. I didn’t. The prince of the winter solstice. Oh gee. 

[00:05:00] OG: Yeah. I mean, we do get a decent amount of light in Dallas year round.

[00:05:05] I think the shortest day is still 10 or 11 hours of sun. So it’s not like in Michigan where it gets dark at four. 

[00:05:12] Joe: Oh my goodness. When I was in Seattle, uh, everyone, I’ve been in Seattle, in the, in, in the winter. You come out at five o’clock, you’re like, is it midnight? Yeah. Just imagine you’re finishing your, finishing your work that far north.

[00:05:22] It’s like three 

[00:05:22] OG: 30. Yeah. Yeah. Sunsets at like three 30. 

[00:05:24] Joe: It’s Wow. But by the same token, when I was in Alaska in the middle of summer. It was 11 o’clock. I’m at a grocery store. There’s families in there shopping at like 11:15 PM because with kids in their footy pajamas, it’s, it’s like the middle of the day.

[00:05:37] The Canadian rhythm 

[00:05:37] OG: thing is pretty legit, right? I mean, in the summertime when you’re up north, it’s bright. At five 30, it seems pretty easy to get up at six 15 or six 30 ’cause you’re like, oh, the sun’s out. Time to get up and have some coffee, but try to get me out of bed at six 30, December 23rd. Yeah, that’s not happening.

[00:05:55] It’s like, it’s still dark. I’m still asleep. 

[00:05:58] Joe: Well, the year does end at a big festival of fun. We got a festival of fun here with Angelo Polley coming down to the basement. But also, uh, Christmas, Hanukkah at the, starting at the, I mean, at the same time this year, starting on the 25th, of course, Christmas ends on the 25th, but not for you and IOG.

[00:06:13] I mean, Christmas for us is a year-round celebration that starts on the 25th. For me. It goes probably about a week, I’d say January 2nd. I’m pretty ready to begin the new year. 

[00:06:25] OG: I was talking to my mom last week and she was putting on, she said, uh, she was still decorating her tree, and I thought, aren’t, when do you take it down?

[00:06:32] And we’re a, we’re a late tree taker downer, generally speaking, but I know people that take it down like it’s the 26th, it’s time to put all this damn. 

[00:06:42] Doug: Oh, wow. Isn’t it common? I thought it was like New Year’s Day or like right before you go back to work. I thought it was around the epiphany. No, it use 

[00:06:49] OG: January 6th.

[00:06:50] Doug: Yeah. We always 

[00:06:51] Joe: use Epiphany 

[00:06:51] OG: as 

[00:06:52] Joe: the day, ah, January 6th. We’re always a little late too. We’ll start taking it down on the sixth and then finish it around, uh, March 23rd around St. Patty’s Day. Just 

[00:07:02] bit: a 

[00:07:02] Joe: typer. Pretty good. Angelo Pley here as we get into, as Doug so eloquently said into the Chex Mix. My favorite thing.

[00:07:10] No. So good. Nasty. Wait. Peanuts or no peanuts in your Chex Mix. Tons of peanuts. Yes. Yes, yes. Last night at, uh, game Night. My buddy Troy brought out Chex Mix that his wonderful spouse Christie made, but it was Cajun. She had Cajun seasoning all over the Chex mix that made the beer go down pretty darn good, I gotta say.

[00:07:31] Ooh, very good. 

[00:07:32] Doug: Just like the Tony cashiers seasoning. Yes. Sprinkled in there. Like that’s all she did. I don’t know what she did, man, but some of the stuff was red. Red. Hold on, hold 

[00:07:40] OG: on, hold on. We have to stop. We have to stop. Did I say it wrong? Oh, insanely wrong, but let me hear it again. Just for the record.

[00:07:47] Doug: Joe knew 

[00:07:47] OG: exactly 

[00:07:48] Doug: what I was talking about. 

[00:07:49] OG: He was letting you slide past it. What 

[00:07:52] Doug: was it? What is it Tony? I called it Tony. Tony what? Just Tony’s. It’s all Tony’s. It’s called Tony’s Tony Steaks. Tony Steak Sauce.

[00:08:04] Tony Knuckles. Tony Cashiers. Did the Prince of Darkness just make it awkward? Is this the thing that you’re going to climb up my skirt about? I 

[00:08:12] OG: would like to submit to the audience, uh, a, uh, what do I wanna give something away? It, I’m feeling festive all of a sudden. Uh, what? Because, because I, to make fun of Doug, I think, um, the first one to, to call in with the correct pronunciation.

[00:08:30] Joe: We can’t do that. ’cause people on the West coast often hear this a little later. Oh, okay. So let’s do this. If you call in and give us the right pronunciation, we’ll put your name in. 

[00:08:40] Doug: We’re talking about the seasoning in the little, it’s sort of like a green and white label. Yeah. Got the little rotating top.

[00:08:48] Yeah. For some cool Stacking Benjamin swag to round out 2024. Pronounce that word stacker. I’ve had the same container of it in my spice cabinet for about 19 years. Anyway, not to derail this topic, but 

[00:09:02] Joe: we got Angela Polley here because it’s time when you dig in. I could not stop eating this stuff last night and uh, man, I got to not eat it because I wanna try it now.

[00:09:11] You put on pounds and pounds and pounds. Mm. The brownies, the baked goods, the just deliciousness. That is this time of year. Great time to remember what the big focus is on. That’s why we got Angelo Polley helping us round out the year in Kickstart 2025. Not just that, we got a caller who sounds a little familiar.

[00:09:32] I listened to this and I swear I’ve heard this guy’s voice somewhere before, and, uh, much, much more. But first we have sponsors that make sure this show is free so that you don’t have to pay for it. And we get to keep on keeping on for you. So we’re gonna hear from them. And then Monday mentor the great Angelo Polley from Met Pro.

[00:10:03] I am super Happy’s here to mentor us in what’s gonna be for a lot of people, maybe the toughest nine days of the year. Angelo Polly’s here. How are you man? 

[00:10:11] Angelo: I’m doing fantastic, Joe. Awesome to be back. Awesome 

[00:10:15] Joe: man. You know, for people that want to gain weight, this is an easy week. This week, 

[00:10:19] Angelo: this is the week.

[00:10:20] Fill yourself up if you’re on a bulking phase. This, there’s a week for you. 

[00:10:25] Joe: You haven’t seen junk calories until you’ve seen this week’s junk calories. Yeah. It is a week when a lot of people gain weight. A lot of people don’t, you know, they end the week as you know, not even feeling good. It feels good when it’s going down, but it doesn’t feel good later.

[00:10:39] I. We thought in this week of celebration, it’s good to have somebody like Angelo in our corner going and enjoy it. But let’s, uh, let’s make sure we come outta this alive. This is a big week, I think, for everybody in the Metro Pro community. Angelo, uh, 

[00:10:54] Angelo: yeah. This is a week where we do intensive strategizing with each and every one of our clients.

[00:10:59] We make sure everyone has a strategy and a game plan. We have prepped planned and worked around everything we’re gonna do for this week, and then nobody wants to talk to us next week. 

[00:11:11] Joe: That’s right. But I gotta tell you, just between Jesse, who’s my Met Pro coach and the discussions that you and I have had over the years, my friend.

[00:11:20] Like I go into this week really thinking about it. You know, like everybody, I jump off the wagon and put stuff in my mouth that shouldn’t be there. And then Jesse uh, does a great job of reminding me the cost of that, which is why I have her in my quarter Uhhuh. But let’s start with the hardest thing for a lot of people.

[00:11:37] Yep. Which is alcohol. A lot of people who, you know, they aren’t drinkers or maybe they’re even moderate drinkers. I would love for you to walk through choosing alcohols if you’re gonna go there. ’cause this is, this puts on a lot of poundage. 

[00:11:51] Angelo: It’s funny, I was literally just training remotely, one of my celebrity clients just before seeing you, Joe, and we had this exact conversation.

[00:12:00] So everybody’s wondering about this and most people are surprised. Now you’ve been around the fitness community for a long time. You may have heard some of these things, but when we are talking a how do I, let me see how to put this buzz to cellulite, accumulation comparison chart, buzz to body fat. Uh, what is the best approach, uh, ranking the alcohols.

[00:12:23] Now this is not a list of what is best for your liver, what is best for your marriage relationships long term. But here is if you wanna indulge in some alcohol and you don’t want it to end up Stacking on a bunch of pounds, no alcohol helps. It’s all bad, but some is really bad. So here’s the way it goes.

[00:12:43] Believe it or not, I. Hard alcohol, particularly clear. Hard alcohols are gonna be the least impactful unless you drink so much that you don’t know what you’re eating. Yeah. That’s a whole different conversation. Right. But in moderation, that’s gonna be the best approach. So that could be on its own on the rocks or mixed with a calorie free beverage.

[00:13:03] That’s the best category. There’s a pretty big drop off between that and second best. Second best is gonna be your wines or your quote unquote diet alcohols, uh, light beers, you know, things like that. So that’s the second category. But I, but agains a pretty big drop off between best and second, best after your wines, your diet, beers, things like that.

[00:13:26] Then you have your beers, and then the worst of the worst is going to be two categories. Your heavy beers, you know, the laggers, the stouts that you know. Mm-hmm. You know what that’s doing to you. You can actually hear yourself gaining body fat. Those, uh, so those, and here’s the one people don’t realize.

[00:13:46] It’s the fru drinks are actually the worst of the worst. So the mixed drinks that give you calories from the beverage added sugars or salt and alcohol, you know, your pina coladas, your, you know, things like that are just, you know, your daiquiris, brutal. You will wake up to an extra pound of you tomorrow.

[00:14:08] So drink those in moderation and stay the heck away from anything with eggnog. Just don’t do it. Oh, it’s just liquid calories. I know everybody this time of year wants to have some of that because it’s the only time of year you can buy it. 

[00:14:25] bit: Yeah. 

[00:14:25] Angelo: So, uh, just if you’re gonna do something like that, really keep it in moderation.

[00:14:30] Don’t make it a beverage, make it a taste 

[00:14:32] Joe: well, and the taste really, Angelo, frankly, as I get older. Is the fun, right? Yes. The taste is the fun. I’m gonna celebrate this easy by having a taste of this, and then I’m done. It doesn’t do anything for me. Drinking the whole, you know, gallon of eggnog isn’t gonna give me any more pleasure than the little taste that I like.

[00:14:49] That is, you don’t really 

[00:14:49] Angelo: come in small containers either. It’s like, either you know, you, you get the mini or, or you can have this four gallon package, 

[00:14:58] Joe: but I just, I’ll save more for other people. You know what I mean? That’s it. And like, I’ll taste it with you and save more for other people. I also like a couple other pieces of advice you gave.

[00:15:07] I like the idea of, and I practice this now based on you saying that also, you know, think about just starting later. See if maybe the first hour of the party you’ll just have fun or whatever the thing is that you’re gonna do. Instead of starting drinking at 5:00 PM start at 6:00 PM. 

[00:15:24] Angelo: Yeah, that’s it.

[00:15:25] That’s actually great advice. Those are kind of the, the micro strategies. Let me, I’ll give you a few micro strategies, but let, let me talk about the macro first. Right? Good. So if we zoom out 

[00:15:36] bit: Yeah. 

[00:15:37] Angelo: The mindsets, I’d be interested what, you know, the community, what comments they have, what their thoughts are on this.

[00:15:43] I don’t wanna be dogmatic because everyone’s experience is a little different. I’ve dieted about 20,000 people, so my, I, I’m not just willy-nilly saying this, this is, but I find the bigger issue is mindset. We go into the back half of the year, half with this is different. This is a radically different scenario from all the rest of the time of the year for some people, and I would challenge you that it’s not necessarily the case to the degree that people often put themself in that mindset.

[00:16:18] The reality is. There is nothing you’re gonna do on any particular day, holiday, vacation day, travel day, there’s nothing you’re gonna do that’s gonna really be all that meaningful. It’s one day, the issue is getting out of your routine the rest of the time. So it’s not the, oh, I had a Super Bowl party.

[00:16:42] It’s not, and I ate chips and pizza. Okay, well, I have a Super Bowl party, and guess what? I usually eat some chips and pizza. The difference is it doesn’t stay in the house. If it stays in the house, I’m going to eat chips and pizza. You know, just one piece, one, nuke it in the microwave the next day. And then if there’s a couple more, you know, I’m a value guy.

[00:17:01] I hate throwing food outright. Sure. So I can’t let it go to waste. So now I gotta have a piece for lunch and all. Then the next evening there’s the leftover chips and dips and Oh, it’s sitting there and let, let me just polish that. That’s the devastating part. I have people ask me all the time, it’s like, well, Angelo, you know, we’re gonna work together.

[00:17:18] I know what you and your company do. I’ve seen the transformations. I’m ready to go, but I think we should start next month because I have this event coming up on this Sunday, and I know I’m gonna not eat right. And I just laugh. We say, okay, you just, you have to forgive me, but I’m sitting here after doing this with thousands and thousands of people.

[00:17:36] And if I thought you were only gonna not eat right this Sunday, the reality is you’re gonna not eat right two days a week for the next five years. So this Sunday is not special, pal. We’re starting today because I don’t care about those special occasions you should be able to indulge. Now, if somebody’s training for a competition or a specific date or an event, yeah, that, that’s, that’s different.

[00:17:58] But as a general rule, I want my clients to indulge in good food and drink on occasion. Where I drop the hammer is the areas where I know it’s gonna cause them to backslide. And here’s what it is. It is mid-December. Nothing’s going on. We’re not with friends or family. We’re at work. It’s a Tuesday, it’s the middle of the afternoon.

[00:18:23] You’re returning an email for the boss, but you’re getting into the stale candies that are out everywhere because of the time of year. That’s a mindset thing. Today’s no different. It’s just Tuesday. Nail your meal plan, nail your strategy, eat clean, treat your body. Well. Have an approach that’s going to drive results.

[00:18:43] And then you know what? When you do have a social occasion, yes, we have to admit this time of year people are off work, people are with family. There are going to be more occasions to indulge granted. But it shouldn’t be a, okay, I’ll be back to my routine in two weeks. That’s what destroys people. It’s the, the checking out for two weeks.

[00:19:04] It should be check out for a meal here, a meal there, but don’t let your overall nutritional value system fall off. That’s the macro strategy that I encourage my clients to take during this time of year. 

[00:19:17] Joe: You know what’s funny is for our financial community too, Angela, I mean, it really is the same, right?

[00:19:22] You’re like, Hey, I’m gonna follow the budget every other day, but this day I’m gonna go into Best Buy and light it up. Like this is gonna be great. And you laugh at that, and I know our audience is laughing at that, but truly, it’s the same thing. If you destroy it today. Think about what that does to your bank account a week from now.

[00:19:38] Angelo: Well, my financial strategy is just everything on, you know, red seven. Right? That’s what you do. That’s right. That, that’s what we’re supposed to do, right? That’s right. But I mean, it’s the season for doing that, right? 

[00:19:49] Joe: It’s the same thing as I’ll start myself one day, hopefully, you know, if, if I, yeah, yeah.

[00:19:54] Not good. 

[00:19:55] Angelo: So micro strategy. So that’s, that’s kind of the macro, the mindset. Now, the micro strategies, what you were kind of alluding to is, you’ll start a little later. So here’s something that organically people tend to fall into, which is, I know I’m going to X, Y, Z, and I know I’m going to eat bad, so let me not eat now.

[00:20:15] You wanna check your math on that, that usually does not work out in your favor. Usually what that means is you show up so ravenous that you can polish off exponentially more calories. Then had you also eaten something healthy and clean preceding that event. Now, if you’re gonna say, well, I’m gonna have pizza tonight so I won’t eat pizza for lunch, that’s probably a good equation.

[00:20:44] But if you’re going, I’m going to eat pizza tonight, so I’m gonna skip my lunch of lean proteins and veggies and some low glycemic complex carbs. That’s not a winning mathematical equation for you. Eat twice, but eat well. I’d rather you eat your normal clean foods. Don’t go to those events. Ravenous. It is incredible.

[00:21:06] What will happen to your appetite when your blood sugar gets low, and then what’s the first thing you do? You walk through the door, you grab a cocktail. Now it’s, I mean, it’s, it’s open season. I mean, I’m speaking from personal experience Sure. How I feel. You know, I go somewhere on an empty stomach. I have a couple sips of something.

[00:21:22] I got an appetite that won’t quit. I can kill it. Whereas if I had even a light dinner, even a light dinner, try try having a light, you know, salad with a couple pieces of chicken on it. You’ll still have plenty of appetite when you get to your events, but it, it’s not, you’re not gonna walk in ravenous.

[00:21:40] That’ll make a huge difference. 

[00:21:42] Joe: It’s funny that you mention this right now because I had this in my life last week. So after my dad died, which a lot of our fans know happened earlier this year, during that time, I gained 10 pounds. I just, I was, you know, self-medicating, comfort food, just eating stuff, apologizing to my met Pro coach Jesse the entire time.

[00:22:00] By the way, I think I probably would’ve gained 20 if Jesse wasn’t there. Oh. And, uh, super understanding. But Jesse also helped me as of this last week, get that 10 pounds back off. So it is now back off, and now I’m headed back in the right direction, feeling really good going into this last week of the year.

[00:22:16] And really, for me, I love this interview too, that I get to talk to you because I personally wanna have this momentum in the new year. And I don’t wanna drop the ball this last week of the year, but last week I was sitting event Angelo, and I could hear you and Jesse in my head, and I did exactly that. I ate before the event.

[00:22:36] And in fact, it’s funny because I have followed through on that so irregularly over the time that I’ve worked with your company that Cheryl, my spouse, walks in, she goes, we’re going over to Rick and Stella’s. Why are you eating? I’m like, because I know what Stella Eats and I love it. And I love it. It’s so good.

[00:22:53] And I gotta say, I sampled Stella’s food. It was really good, but I had a much smaller plate. I didn’t go back for seconds. And the next day I had maintained, I got on the scale and I maintained, which for me, on a day like that, where normally I would’ve lost, that was just fighting the battle to live another day and came through and flying colors.

[00:23:14] And the next day, and by the way, because I also didn’t drink a ton, sure. I also was able to do my normal workout, which if I drank a ton, I would’ve skipped the workout the next day. Like this whole follow thing through thing you’re talking about is huge. So love that advice. 

[00:23:29] Angelo: I wanna emphasize just the psychological of reality versus biologically and statistically even.

[00:23:39] What is the most relevant pieces in your habits and routine? We tend to put. Too much emphasis on the one-offs and not enough emphasis on all the rest. So what most people don’t realize is if, if you eat three meals a day and a couple snacks, which is actually about typical, even for people not on a regiment, a lot of people grab something in the morning, something at lunch, dinner, and if you think back, oh yeah, I had a bite here.

[00:24:06] This was a snack. And then before I went to bed, people eat about five times a day on average. Some people, not so much, but just, just taking that as a round number. That’s 35 meals a week, five times seven. That’s 35 meals a week. People will fixate on the one or two. Yeah, I did this, I did that at that one or two meals.

[00:24:29] Okay, let’s turn that into not being an absolute train wreck and just make it a modest meal where you indulge, but don’t go overboard. I’m interested in the other 33 meals you’re eating that week. And that’s where it really does come back to. Well, and you know, you know, ju baseline testing, identifying what your body needs.

[00:24:50] And I’m, you know, 88% of people who call, we’re a sports nutrition company working with athletes and 88% of people who hire us to get them to their goal. Guess what their goal is? 

[00:25:03] Doug: Weight loss. 

[00:25:04] Angelo: Yeah, that’s it. It’s weight loss. That’s what everybody want. That’s ’cause that’s the hard part, right? That’s the hard part.

[00:25:09] So. When we work with someone, the first thing we need to know is which strategy is gonna work. ’cause if you go into the Google and you know, Hey, how do I lose weight? You are gonna get literally 10,000 opinions. Literally, I’m not being dramatic here. There are 10,000 opinions out there. All of them have some level of relevancy, but very few of ’em are relevant to you.

[00:25:31] So stop guessing. What you wanna have is a strategy where if you’re gonna put in the work, you wanna know that you are going to get return on your investment. That’s what this, that, that’s what this audience is about, right? We wanna see a return on our investment, not guessing. So is keto or low carb restriction?

[00:25:51] The right strategy is calorie restriction. The right strategy is intermittent fasting. The right strategy is meal timing and pairing the right strategy. These are all relevant. They are not all created equal, and they all depend on where your metabolic rate is today. If we know where your metabolic rate is today.

[00:26:09] And where your baseline is. We know which of those levers or which combination of those levers are gonna get you the results. And then we’re gonna lean in, we’re gonna roll up our sleeves, we’re gonna say, this is what I’m doing. It’s Tuesday. I don’t have any special events. I have a game plan. We’re gonna follow it.

[00:26:29] Then when you get to Saturday nights, we’re gonna go in. We’re not gonna be starving, we’re not gonna overindulge, but you’re not gonna be stressed out. You’re gonna be able to enjoy yourself, and the next day you’re gonna be right back into your strategy. That’s how you make sustainable progress. 

[00:26:45] Joe: 35 meals versus 1 

[00:26:47] Angelo: 35 versus one.

[00:26:49] Joe: Yeah, I’m thinking 35. I’m not thinking one. I love that. When you talk about metabolism, I mean, obviously your company’s called Met Pro, right? Yeah. So we talk about metabolism. Let’s dive into metabolism for a lot of our stackers, because while they might know what an exchange traded fund is, they probably don’t know how metabolism works.

[00:27:06] I’m at an age of 56 years old. I can definitely feel my metabolism slowing down, just generally, like for a lot of people as they age. Yeah. Can we engineer our metabolism though? Can we speed it up? Can we slow it down? Can we change the metabolism that we have to maybe get different results? 

[00:27:22] Angelo: I’m glad you asked that.

[00:27:23] So this is one of those just, just persistent topics where people are educated. Most people are educated on this topic by Hollywood, by marketing, and by TikTok and influencers. We hear this term thrown around, my metabolism is fast, my metabolism, this food is good. Fear metabolism. Generally speaking, these are not people who actually, these are not researchers who actually understand what the metabolism does.

[00:27:52] In fact, we work with a lot of doctors, even people in the medical field will often work with us to learn the nuances of what the metabolism is. It’s not what most people think, but it’s is simple. Your metabolism, and when I say metabolism, I’m not talking about metabolic markers having to do with like blood work and hormones and insulin levels.

[00:28:11] That is a term relating to that. I’m talking about metabolism, how most people think of it. Do I have a fast metabolism or slow metabolism to stubborn? Here’s how your metabolism works. It’s actually quite simple. Your metabolism has one job and that is to keep your body in homeostasis. Full stop. That’s its job.

[00:28:30] It will adjust your energy output. It will adjust your hormonal systems. It will adjust your energetic pathways, literally switch you between what energetic substrate, your dominantly burning, sugars, fats, et cetera. It will increase or decrease hormones, leptin, ghrelin to increase, decrease appetite. It will even alter on a cellular level.

[00:28:52] Mitochondria, even your hypothalamus adjusts all in tandem. To keep you in homeostasis, which is why, by the way, there is no silver bullet. You can take, you know, you can take any of the latest medications, you do the glides, you can do any, by the way, that’s not, that’s not the first or the newest weight loss or appetite suppressant.

[00:29:13] There’s lots of things that will help control your appetite or they’ll help affect one of these pathways. But there is no magic pill, and I’m gonna say there never will be because it’s not one mechanic. It’s death by a thousand cuts. It’s all these different systems coalescing in your body to adjust, to keep you in homeostasis.

[00:29:35] And I’m gonna explain what that means. It means this, the human body cannot survive perpetual weight gain. So if you overeat your metabolism, whether you’re overeating on healthy food or junk food, your metabolism has to speed up your metabolic rate, your expenditure. Otherwise you would die. And it does so very effectively.

[00:30:00] It will actually speed up. You’ll gain weight in the process, but it will speed up over time, otherwise you would die. Now, much more commonly, what we experience is the opposite direction. We want to lose weight, so we eat less. Guess what? The human body cannot survive in a state of perpetual weight loss.

[00:30:27] bit: Wow. 

[00:30:27] Angelo: Therefore, right. You know where I’m going with this. What is the job of the metabolism? 

[00:30:33] Joe: Keep you alive. Homeostasis. 

[00:30:35] Angelo: Keep you alive. Yeah. Has to slow down. Yeah, but I take green tea extract and this thermogenic, and I do 300 jump ropes a day, and I do all this thing that my favorite influencer says. Yeah, are you still alive?

[00:30:47] Then your metabolism slowed down. That’s the way it works. It has to, the medical community, the fitness community, they acknowledge that your metabolic rate fluctuates. But in general, as of yet, mainstream doesn’t give it enough respect. They’re not respecting it enough. They’re not recognizing the degree of influence plays in our ongoing process.

[00:31:12] For example, what you have is the general, you know, well, your height, weight, your gender, your muscle mass. Here’s how active you are. Uh, this is your BMI, this is how many calories your body burns. And so if you reduce it by 350 calories a day, you should lose X amount of pounds a week. And we go, okay, yeah, we nod our heads.

[00:31:29] Every single person on the planet knows that doesn’t work. You got 50 pounds to lose. You do that. You think you’re gonna lose 50 pounds? No, you’re gonna lose not one pound. You’re gonna lose like three pounds the first week, two pounds the second week, two pounds the third week, one pound the fourth week, then you’re gonna plateau.

[00:31:45] Everybody knows it because you’ve all done it. I’ve done it. Every single human has experienced that process that is experiencing in real time the metabolism, doing its job, it’s working, 

[00:31:57] Joe: keeping you alive. ’cause if you keep on this path, your body’s going, nothing good happens here. You’re gonna starve yourself.

[00:32:03] Angelo: That’s right. Have you ever seen someone, it’s like, well, I used to eat 3000 calories a day. I dropped down to 2,600 calories a day and that’s how I landed myself in the hospital on IVs because I was gonna lose too much weight. But doesn’t let you do that. It just acclimate. More people would say, it just laughs at them.

[00:32:20] Joe: Yeah. 

[00:32:21] Angelo: Yeah. It just, it’s stubborn. It just laughs at them and go, here’s the deal. We can speed it up though. We know that it has to speed up in response to increased fuel. So what would happen if we actually tracked it and said, okay, we wanna lose 30 pounds, we. You are currently eating. I’m just using calories.

[00:32:41] Calories isn’t the end all, be all. I’m just using this as a simple illustration. You’re eating 2300 calories a day. On average, you wanna lose 30 pounds, you probably aren’t gonna get 30 pounds off in one shot. Say we drop you down to 1,607, a female whatever, 16, 1700 calories a day. I’m probably gonna get between 12 and 15 pounds off of you.

[00:33:00] And then your metabolism, everyone’s a little different, right? Sure. And then your metabolism is gonna go, okay, I get it. I’m good. We can hold here even on 16, 1700 calories. So what most people do is then enter yo-yo dieting. Enter extreme tactics. And this is what sets off that, you know, the credit card scenario, it’s the buy now pay later on with interest approach to losing weight.

[00:33:24] Well, you know what? I’m just gonna do these green shakes, or I’m just gonna not eat for two thirds of my day. And yes, you will lose more weight. Guess what your metabolism is gonna do. It’s gonna go, oh, that’s my new norm. Perfect. No problem. Now you eat one potato chip more than that. Bam. And now bam. So what should happen is we go, Hey, we’re gonna take 12, 15 pounds.

[00:33:45] We’re gonna preemptively stop your weight loss. We’re gonna do a brief revving cycle, make sure your metabolism’s good, and check. We’re gonna just double check with it. Hey, you good? You’re not gaining a bunch of weight. We’re gonna increase just a little bit every three to four days. We’re gonna do that for two or three weeks Now your metabolic rate is happy.

[00:34:01] We’re running good. We just repeat the process. Now we take off the next 10, 12 pounds 

[00:34:06] Joe: and you’re not revving it, by the way, with, you know, all of a sudden I, I’m not doing potato chips for the next five days. You’re revving it with clean food still. 

[00:34:15] Angelo: Yeah, well the reality is it will rev with potato chips too.

[00:34:19] Sure. Yeah. Right. I just wanna be honest about the science. I wish it was, if you just did it with brown rice and you know, sweet potato, it will rev with potato chips and ice cream. But while it revs, you’re gonna store body fat. So I want it to rev with meniscule body fat, if any gain. I want it to be exclusively muscle.

[00:34:41] And that’s the whole fitness side of things. So if we pair a revving cycle with increased type two muscle fiber stimulation, you may most clients and, and I’m gonna, I’m gonna give a secret away here. You ready for the secret? You haven’t heard this before. You’ve been with us, I don’t know how many years Joe know.

[00:34:56] Joe: Secret. Quite a while. 

[00:34:57] Angelo: So, revving cycles, we tell our clients the average revving cycle, you, you can expect to gain between one and a half and two and a half pounds. Not a fat of muscle, but that’s gonna enable us to then lose the next 5, 10, 15, whatever the case may be. Pounds of fat. That’s what we tell people.

[00:35:16] Approximately 30% of people actually lose weight on the revving cycle. Now we never say that. So Shh, don’t tell anyone. Yeah, right. Balance of probability is you will gain between one and a half and two and a half pounds of muscle if you’re doing it right during a revving cycle. But almost one out of three people end their revving cycle lighter than they began because the metabolism is so adaptive.

[00:35:45] If you increase gradually. And in step with increased physical activity, oftentimes your metabolic rate can be, going back to your first question, reconditioned challenged enough to, it’ll actually outpace those increases. That’s where the magic happens. But regardless, you’re gonna revitalize your metabolism, and then we increase slowly.

[00:36:12] I try to give away all my secrets. You know, I try to, but we increase slowly, but then we’re gonna cut fast, we’re gonna increase slowly. Let your metabolism get used to that, and we increase and then we cut fast. Because weight loss and fat loss is not a function of eating avocados or olive oil or a special ingredient, or taking cayenne pepper.

[00:36:36] Weight loss is not a function of a magic caloric intake or getting your carbohydrates low enough. It’s none of those things. Weight loss is simply. What happens in the time interval between changing your diet from one intake threshold, that your metabolism is maintaining you in homeostasis to a lower intake.

[00:36:59] There will be a time interval where it will take your body 10 days, 15 days, maybe two or three weeks if the interval is large enough. If the delta is large enough to adapt to the new intake during that adaption period, your metabolic rate is still outpacing your intake and the result is weight loss. I.

[00:37:20] That’s how it actually works. 

[00:37:23] Joe: You know what I like about the planning too during the rev cycle is that with your emphasis on gaining one to two pounds, even though that often doesn’t happen, you know, my plan predicts that. So if it happens as a, as somebody going through this, I’m expecting that. Right?

[00:37:38] You know, I always like planning conservatively. And then if things go better than that, fantastic. But too often we have financial plans or weight, you know, in the weight industry. If it’s like, oh, I’m gonna lose 10 pounds in the next two weeks, well, how’s that gonna work out? When you fail at that, you’re so dead to it.

[00:37:54] Then you go right back to the donut. ’cause you’re like, I can’t, I can’t do it. When you truly can, you just, I think planned a little too optimistically. 

[00:38:03] Angelo: Real life scenario. I had a gal call me up, she’s just turned 40, okay, so this happened, but three days ago she just turned 40. Her husband’s taking her on a fairly, uh, a really neat vacation.

[00:38:17] They’re gonna go on for their anniversary. She said, the problem is in the last five weeks, I’ve gained 10 pounds and I, I know this gal pretty well, and she doesn’t fluctuate that much that fast. And I said, that was precipitated by something that didn’t just randomly happen. She goes, no, I, I did, you know, uh, I, it did caloric restriction in intermittent fasting.

[00:38:40] She goes, and I, and I lost about six pounds doing that, but as soon as I stopped, I gained 10. So here is the mathematical investment calculation that someone has to make. It is critical that you know where your metabolic rate is currently in order to decide whether or not you have enough to make the investment right enough capital to invest in something.

[00:39:07] Because here’s the deal, you can do any strategy. It’s, that’s a mystery. We’ve, we’ve cracked the code. Medical science has figured out the diet that results in the most weight loss. It is water. That’s the diet. It’s no mystery here, right? Eat 

[00:39:23] Joe: nothing, 

[00:39:24] Angelo: eat nothing. You lose weight. There’s an asterisk and the side effects to eating.

[00:39:29] Nothing apparently. Apparently you die if you eat nothing but, ah, details. There is always a gimmick and a way to force your weight down. And if you wanna do a gimmick, I’m not even gonna say you can’t do a gimmick to lose a few fast pounds. Here’s my question to you. Will you, ’cause after you’re done doing that, you’re gonna gain three to five pounds.

[00:39:53] Will you lose more than that with the gimmick? And if you are not dang confident that you’re gonna lose more than that rebound weight, you’re gonna gain instantaneously. I’m not talking about like a revving cycle, gaining one or two pounds of muscle. I’m talking about three to five pounds flying back on in a single weekend.

[00:40:15] Because your body is so sensitive at that point, you have to be darn sure of the math. And that’s where people are just going blindly because they’re told, well, this is healthy and that’s healthy. And yeah, sure it’s healthy to do the green smoothies, but if you’re gonna eat 600 calories a day for a week, the tax man’s comment 

[00:40:35] Joe: I gotta ask too then did you, just with that last answer, did you tell me how you feel about the, and, and you mentioned this briefly in passing, you know, a lot of discussion lately with the new administration coming in and a lot of talk about ozempic, right?

[00:40:50] About these drugs. Did you just tell me kind of how you feel about those drugs in your last answer, or, or how do you feel about things like Ozempic? 

[00:40:58] Angelo: I don’t think I’ve been on a podcast this year without being asked about that. Sure. Everybody wants to know opinion and you know, my opinion might actually surprise I’m not, I’m not opposed to it.

[00:41:08] And I have even seen it really be a great tool, but people don’t understand what it is. What I, I’ll tell you what I don’t like about it. I don’t like the marketing because it’s, it’s Hollywood, it’s fantasy. Mm-hmm. Here’s the reality. It’s, it’s a medication, right? And by the way, it’s not the first medication for weight loss.

[00:41:24] There’s lots of medications out there. There’s other medications. Some I think have good effects. Some I don’t like at all. This is an appetite suppressant. So here’s a medication that these side effects. The side effect they found, you know, results in a desirable effect. I think, you know, uh, oh, my wife and I were just watching this Jim Gaffigan bit where he talks about, oh, I saw this.

[00:41:46] A side effect of a blood pressure. We don’t care about the blood pressure does what to you. 

[00:41:50] Joe: I know, I know. What does he say? He is like, yeah, I’d lose weight the American way. I just got a shot in my stomach. That’s 

[00:41:57] Angelo: all 

[00:41:57] Joe: I 

[00:41:57] Angelo: did. But he, but he made a good point. He’s like, I’m not training for the Olympics. I, I want whatever’s gonna work, you know, so I am not opposed to it.

[00:42:06] What I’m opposed to is doing something that you don’t understand what it’s actually doing. So here is how the marketing makes it sound. This pill makes your body burn fat. That is nonsense. That’s not how it works. That doesn’t mean this pill isn’t necessarily great if you take the pill and change nothing.

[00:42:27] It’s not a pill, by the way. Shot, right? Yeah. Uh, you take this shot and change nothing. You’re gonna change nothing. I know because I have lots of clients that have taken it, lots of clients not taking it and compared going on and off at this point. So, you know, I’m not a doctor, I’m not a physician. I don’t research in the labs.

[00:42:46] But I can tell you in the trenches what I’m seeing and what I’m seeing is the people who have the greatest side effects from it, which is slow digestive emptying and low grade nausea. At first, it is a highly potent appetite suppressant. Therefore, if you eat less calories, you’re going to lose weight.

[00:43:07] And I have some clients where that is, that is the deal. They, they just really struggle, you know, with an A, managing their appetite at night. The appetite monster comes out. I’m putting myself in that category. I’ve dealt with that. It is a real thing, but understand what it’s doing. It is not and never will be a replace for fitness and behaviors, fitness and behaviors.

[00:43:32] You still have to have the right strategy. But what it is doing is it’s helping some people get off the ground where they’re raising their hand gun. Maybe I’ll try the gym then Now it’s turning into a great thing. 

[00:43:45] Joe: Can I tell you, you just echoed because I went to a respected physician in town and I asked him the same question.

[00:43:51] I happened to be at an event that he was at and I said, what’s else this deal about these drugs, these things? And he point exactly to what you said. If you pay attention to what you’re doing, look at my portion size, look at the good foods. Look at when I, what, how this even works. When I still compare.

[00:44:07] When I used to go to the gym and I go to the gym now when I so do all the things plus, and I’d learn from it, then maybe it’s good. He said, the problem is though, the second you stop doing it, if you’re still on the Yeah, I used potato chips earlier. Use pizza if, if you’re still on the pizza, potato chip diet, and you go right back to that.

[00:44:24] Nothing changed. 

[00:44:26] Angelo: We’ve seen this story before. Yeah. We’ve seen this. Yeah. I, I know how the story ends. Yeah. 

[00:44:31] Joe: But, but you have to go into that with almost like what, what you and I were talking about with your metabolism we’re the heart of a scientist. You’re a Guinea pig and you’re really focused on what are the inputs, what are the outputs that I’m looking for?

[00:44:43] And it’s, it’s really fascinating, Angelo, if only there were a company that could help people work on this stuff, if only that existed, tell me that that’d be a dream come true. 

[00:44:55] Angelo: I’ve never heard of it. I don’t. I don’t know if that exists. What are we gonna do? And that’s it, folks. See you later. I joke about it, but the truth is, if you got a story, we wanna hear it.

[00:45:06] Come tell us. Talk to us, and just say, Hey, here’s my challenge. Here’s where I’m at. Here’s where I wanna be. Here’s what I’ve tried. Let us share with you what our experience. We’ve worked with thousands of people. Let us tell you what others have tried in your circumstance and what we found to be the most effective.

[00:45:25] And it’s different for each person. So if you go to met pro.co/sb for Stacking Benjamins met pro.co/sb, we’d be happy to do a free session with you, free consultation. 

[00:45:37] Joe: I not only went through that free session, I’ve had a MedPro coach for a long time. I gotta tell you, the best part for me guys, is that on my busy schedule, even when I mess up the dieting, the consistency of a mindful approach and frankly.

[00:45:54] This is the thing that we didn’t even talk about today, Angelo, the energy that I have when I need it. Nice. Like working with Jesse on, I’ve got this event in two weeks. Okay. Here’s what we’re gonna do. We’re gonna play ’em for that event. We’re gonna rev the metabolism at the times. We’re gonna make sure that you get on that stage with a bunch of energy, like having, and, and everybody has important meetings in their life that I need to be present for.

[00:46:14] I’ve got these times that I really need to focus. Like we didn’t, we didn’t get into any of that, but between the weight loss, the mindfulness, um, just, just absolutely fabulous. So guys, I can’t recommend that you at least, at least have them take a look at your metabolism once. Take advantage of the free sessions medpro.co/sb.

[00:46:39] Man, this is a tough week for a lot of people. Angelo, you and me included brother. Yep. So a lot of football coming up and I like watching it all. Me too. 

[00:46:49] bit: Yeah. 

[00:46:49] Joe: So a lot of sitting on my butt. But, uh, thank you so much for mentoring us on this Yearend and we will talk to you again here in the near futures.

[00:46:58] We get ready for summer next. Let’s help have you get everybody ready for summer. 

[00:47:02] Angelo: Let’s do it. Thanks a million, Joe.

[00:47:08] Doug: Hey there, stackers. I’m Joe’s Baum’s neighbor Doug, and this holiday season, I think it’s important to remember what really matters. Making sure I win the ugly sweater contest here in the basement. I’ve already seen OG sweater and I’m fairly certain that Mariah Carey with a line through her face violates the rules set forth by the competition committee.

[00:47:27] And Joe’s, Joe’s just wearing that same sweater he wears every year that makes him look like a middle-aged librarian. Which is, uh, it’s actually kinda sexy if you’re into librarians and who isn’t. But Joe’s mom, there’s the outlier. She’s been cagey about what she’s wearing this year. One thing I won’t be cagey about is today’s trivia.

[00:47:47] Two nights from now in what may be the most supernatural event, every year a guy in a red suit’s gonna pull on some black boots and somehow deliver presents all around the world. It’s, it’s pretty amazing, and he is been doing it for a long, long time, while a sleigh and nine reindeer can do this every year.

[00:48:07] It actually took the rest of us until today’s date back in 1986, to fly an aircraft all the way around the world without stopping. Dick Ratan and Jenna Yeager piloted a craft that would take off on December 14th, and took how long to pull off the feet that Santa accomplishes in one short night. I’ll be back right after I go figure out how to fly a kite.

[00:48:32] When I asked OG about why he’s always hating on Mariah Carey, he told me to go fly a kite. So I gotta start practicing.

[00:48:50] Hey there, math wizards. I’m model plane builder. And that guy who knows how to rock both armrests on a flight. Joe’s mom’s neighbor, Doug. I hate that guy. Well, I sit next to that guy every flight. Oh, I’m gonna take both armrests. Maybe you should stop, man spreading onto the other guy. 

[00:49:08] OG: If you’re in the middle seat, you’re supposed to take both armrests.

[00:49:10] That’s the trade. 

[00:49:11] Doug: Yeah, I know, but I don’t only limit myself to being in the middle seat to do that. I paid for that seat. I’m using the whole seat. You 

[00:49:19] OG: can have the whole seat left 

[00:49:20] Doug: center or right. 

[00:49:21] OG: No middle seat gets both armrests. If you’re on either side, you get one. Is 

[00:49:27] Joe: he supposed to reach over and hold by hand?

[00:49:29] OG: Well, you’re not supposed to sit in the part where there’s three freaking seats and then you don’t have to worry about it when there’s two. There’s plenty of arm rests for everybody. 

[00:49:36] Joe: Sit with the commoners. 

[00:49:38] Doug: Yes, that’s the whole problem. And steerage below the water line. All chiefs continue the trivia.

[00:49:46] Sorry that we interjected. Yeah, lemme get back to this. Jenna Yeager and Dick Ratan became the first to fly a plane around the world on today’s date in 1986. We still haven’t figured out how Santa does it in one day, but this definitely closed the gap. The pilots originally decided to fight fatigue by swapping piloting duties every three hours.

[00:50:09] But because of weather concerns and pitch instability, Dick Rattan ended up piloting the plane for the first three days of the journey before taking a break. But today’s question was this, how many days did it take them? If you said nine, congratulations on passing third grade math. If you said eight or some other number, have a friend give you a firm participation, slap on the back and maybe learn how to add at a girl or boy.

[00:50:44] Anyway, congratulations. And now back to the guys piloting this podcast, Joe and og.

[00:50:54] Joe: That’s as we’re listening to Doug Reed the trivia. I realized that in our writing meeting, we, we gave 

[00:51:02] Doug: you 

[00:51:03] Joe: the answer 

[00:51:04] Doug: took off on the 14th and, uh, today, let me see. Today is the 23rd. Um, how many fingers do I have on my hands? All right. Story problem people. 

[00:51:14] Joe: Yeah. Nice, nice job. Two 

[00:51:16] Doug: Santas took off from Baltimore and Sacramento.

[00:51:22] Joe: So, so good. Last trivia of the year. Hey, we wanna make sure all our stackers end the year on a high note, right? End the year feeling confident, feeling good about yourself. And man, between that and Angelo Polley, bringing it as usual. Just, you know, focus on the long term this week. Have some fun. I love, I love Angelo talking about, have some fun, but just realize you don’t wanna show up and go uhoh, almost like, you know, we talk about with credit cards, really the, the same thing.

[00:51:47] OG: I think it’s super important if you’re gonna go into the new year and you wanna lose weight to start at the highest weight possible. That way when you lose weight, you have a big loss right away and you feel good. It is like momentum. It’s like the snowball effect, but with your body. 

[00:52:02] Doug: I think this is the third time, uh, he’s brought this strategy up.

[00:52:05] Joe, I think he’s really packing on the LBS here. Just trying to sell it 

[00:52:09] Joe: to us. Yeah, we don’t want, Angelo, you’ve seen Angelo, you don’t want him coming back down. Oh, gee, we, we could probably, uh, true. Just as long as he’s still here. Maybe just go, yeah, that’s good. Good. Angela, just, just pretend. 

[00:52:21] OG: Yes. Okay.

[00:52:22] Alright. Alright. That’s fantastic. I mean, he is the health expert. Okay, fine. 

[00:52:25] Joe: Let’s pivot to our headline. 

[00:52:28] headlines: Hello Darlings. And now it’s time for your favorite part of the show. Our Stacking Benjamins headlines. 

[00:52:34] Joe: Headline comes to us from the Wall Street Journal. I think Doug, you actually, uh, brought this one to my attention.

[00:52:41] Probably. This is written by Ashley, uh, Ebeling, uh, turns out og that your, your will can’t be. A selfie video. Listen to this. Jesse Beck had no will except for a selfie video he recorded four days before getting struck by a car and killed. If anything happens to me whatsoever, I give all my possessions, everything to Jason Beck, my brother, the 45-year-old heavy machine operator set on the camera.

[00:53:05] By the way, Jason Beck hid him a few days later with a car. No. It’s maybe not, maybe not as funny as I thought it was at the time when I said it. The recording didn’t hold up in court. The Montana Supreme Court ruled in October. The video quote, while undoubtedly expressing testamentary intent didn’t count as a will.

[00:53:28] While most of the business of life has gone, digital state law remains rooted to ink on paper. Americans who try to phone in or record their estate plans don’t realize that video and audio recordings don’t qualify. The number of ways OG people try to do shortcuts around their will, their estate planning.

[00:53:44] We saw Aretha Franklin with several handwritten wills that she did in her 

[00:53:50] Doug: last days, which counted one of those. Counted as scrawled as it was. But see, that’s what I think a lot of people on the surface who aren’t. In the legal profession. I think we sort of scratch our heads thinking how is it that a napkin found underneath a sofa cushion is more legal that you know that what didn’t have a raised embossed stamp on it from some notary that’s more legal than your actual face and your actual voice and mouth moving saying this is what I want.

[00:54:22] That’s what I think is so hard for us civilians to understand. 

[00:54:27] OG: Yeah, I mean, I’m with you, Doug, on this one. I don’t understand why it wouldn’t, I mean it seems to me that from a fraud standpoint, we’re not there yet. We’re getting there, but it seems like it’s a lot harder to replicate somebody’s face and voice and all that sort of stuff.

[00:54:44] And you know, with all the tech on your phone, it’s Apple knows when the hell you made that video and there’s some sort of stamp somewhere in some sort of coding that would be like, this is, I. This is what it is. This sounds like a great, uh, use case for blockchain stuff. Right. Um, I mean, I’m not very familiar with it.

[00:55:00] Sure. But a way to simplify this process so that the universe knows that it’s legitimate. It’s the thing that I, it’s the most recent thing that I wanted to do, and not to cut out the middlemen, because obviously you need to have lawyers and counsel for the legal aspects of it and making sure that you know you’re doing it right, but in something simple.

[00:55:21] I don’t know the rest of this guy’s story. If he is single and he is, you know, who, who fought with him on the will? What was the, well, here’s the deal. There is a 

[00:55:28] Joe: wrongful death claim because he got hit by a truck and it’s of up to $750,000. Here’s the deal. If the video goes through, it all goes to his brother.

[00:55:41] If it doesn’t go through, it goes to his daughter. According to state law. Oh, 

[00:55:46] OG: well, okay. Yeah, that makes more sense to me now, it’s like every state has kind of their order of operations. If you don’t do anything, like people say, well, I don’t have an estate plan yet. Well, you do have an estate plan there.

[00:55:58] Whatever state you live in has a order of operations. And it’s generally something like if you’re married, it’s your spouse. If you’re unmarried, it’s your kids. And you know, and then kind of follows that train kids, grandkids, great grandkids, so and so forth if you don’t have any kids. And it goes backwards to parents and then from parents to siblings and then, you know, there’s some sort of aunts and uncles kind of along that way.

[00:56:21] But yeah, I mean, it makes sense that that’s kind of the default, the default scenario. And I’m guessing that’s probably the, that’s probably the case of the daughter or the legal representation of the daughter is like, well, hold on a second. I. We haven’t allowed video in our state constitution yet of being allowed.

[00:56:39] So that means that he doesn’t have one. And if he doesn’t have one, then it goes to the daughter. 

[00:56:44] Joe: Yeah. And this is the thing, it isn’t just about audio or video. Some states still don’t even allow an electronic will. Don’t allow an online will. Yeah. A lot of states do. DocuSign 

[00:56:53] OG: is such a pain in the butt still for the world, but not every state 

[00:56:55] Joe: does.

[00:56:56] Yeah. Uh, this piece says a paper will drafted by a lawyer and signed by you with a quote. Wet signature witnessed and notarized is still the gold standards. And then I love this quote from Charles Boric, general counsel at free will an online will provider. So he definitely is an ax to grind. He wants this stuff to be online, right?

[00:57:14] He says it’s a fool’s err and to tenaciously claim that everything has to be on paper. This isn’t the time of Charles Dickens. Wow. He’s so, so good. I don’t disagree with him though. I don’t disagree. Has to be on paper. Really. 

[00:57:29] OG: Yeah. Again, it sounds like a great use case for, you know, more and more digital stuff.

[00:57:35] I, I, outta curiosity, where are you guys at on digital payments? And what I mean by that is using your phone to pay, instead of getting out your credit card and swiping it, you go to the gas station, you go to the grocery store. Are you guys take your watch and pay? Do you take your phone or do you dig in your wallet?

[00:57:52] Grab your credit card out? Like where, where are the two of you at on this? 

[00:57:55] Doug: I think I’ve used my phone to pay maybe twice. And that could be stretching it. Cheryl uses Apple Pay. 

[00:58:02] Joe: Uh, I take out my credit card, but I do get peeved if the little tap thing doesn’t work now. 

[00:58:07] OG: So you take your card out and tap to pay with your card?

[00:58:10] Correct. With my card. So I’m like halfway there. You don’t have your card on your phone? Yeah. It’s funny ’cause I, you know, it’s obviously generational, right? It’s like moving, the wave is moving backward. Right. And I’m much more comfortable with it than I was five years ago. Also, it’s much more prevalent, you know, there’s that.

[00:58:25] Yeah. But it’ll be interesting to see, you know, as you guys get there too. But my wife doesn’t. She’s like, eh, and she’s got all the cards on her phone. But when you travel, this is kind of an interesting thing. So you have all this stuff on your phone, right? You got my Citibank American Airlines card on my phone.

[00:58:42] But when I go to the American Airlines lounge to get in, they need the card. And I go, oh, it’s on my phone. They go, we don’t take that. I go, well, how the hell do you think I got it on my phone? ’cause I can’t put Doug’s credit card on my phone. Like it doesn’t, I can take Doug’s credit card out of his wallet and go use it, but I can’t, you know what I mean?

[00:58:58] Like it’s just some sort of processing thing of the unknown me makes it less secure maybe. And that’s what people think. But in reality, I mean, I’m let, let me be clear. I’m not a tech guy, so I guess there’s probably a way for me to take Doug’s credit card and put it on my phone. I’m sure there’s some sort of hack to do that, but it’s a lot harder for a commoner to do that than it would be for me to swipe your wallet and be like, Hey, I’m Doug.

[00:59:22] You know, get me in the lounge. So why we don’t use digital stuff more? I think it’s just a fear of the unknown, maybe. Or since in the legal world, it hasn’t been tried yet. I think that’s probably it. There hasn’t been a precedent to make it, there’s no legal precedent to make it, 

[00:59:36] Joe: you know, mom, it took me forever to convince her after my dad died that, uh, writing checks is a bad idea.

[00:59:42] Like we had to, to get her an online high yield savings account was just the worst. She’s like, I don’t want my account online. That is so not secure. That’s, I’m like, mom, that’s way more secure. 

[00:59:54] OG: It’s online already. You’re just the only one that doesn’t have access to it. 

[00:59:58] Doug: Right, right. Yeah. I know with, uh, helping to take over my mom’s sort of day-to-day finances, setting up automatic bill payment was an enormous, still is a mental leap, a challenge because she doesn’t think her bills are getting paid because she’s not actually the one writing the check.

[01:00:17] And we’re, we’re pretty far afield now from the article that we started talking about. But it is 

[01:00:21] Joe: about, it is, I mean, this piece really is about though advancements in technology, right. And in this case, maybe state’s not keeping up with that. 

[01:00:29] Doug: Yeah. Yeah. That, I mean, that, that part’s true and it’s what’s inertia and what is habit.

[01:00:34] You know, back to your point, uh, OG about are we pulling out our phone to pay for things, which frankly, most of the world does. I mean, most of, most of the continent of Africa pays for their stuff. Stuff. Yeah. But the age, age 

[01:00:46] OG: discrepancies, their, the age differences are profound. Average age in Africa is decades before North America.

[01:00:54] Yeah. There’s 

[01:00:54] Doug: some other things at play there, but in any case, there’s a lot of inertia around the, the structure, the legal structure that got built up from the 18 hundreds until, I mean, think of 1998. 

[01:01:07] Joe: Sure. Established banking you’re talking about, 

[01:01:09] OG: right. The whole situation about like, if I need to pay you guys and I want to a CH you a check from my bank account to your bank account.

[01:01:21] Right. Let’s assume that I have all that data. I’ll give it to you. There is no way, no, there is no way for you to get that money inside of a day or two despite the fact that it’s like just pressing a button, right? Yeah. I can literally hold my phone up to your phone and give you a hundred dollars of my Apple Pay account to your Apple pickup.

[01:01:42] I can Venmo you cash like that. Okay, let’s demonstrate 

[01:01:45] Joe: that. Alright. 

[01:01:46] OG: You know, I can go to the grocery store and I can swipe my American Express card and Amex knows instantaneously whether or not I’m good for it, right? Like they have, you know, if, if you have a credit limit or whatever the case may be.

[01:01:56] Yet the banking system, to your point, Doug refuses to allow that stretch. And I wonder, I’ve always been a little, you know, glass half. I’m just glass half, that’s all I am, like that’s just half, neither, half full nor half empty. It is just half. But there’s so much banking fees that go on with overdraft and transfers and you know, those sorts of things.

[01:02:21] I just wonder if there’s, if, if the banking lobby is hanging on so much of that. Because, you know, it’s, it’s so revenue, it’s so cash flow positive. Yep. To just go. Yeah. It takes us two days to transfer that. Sorry. You’re like, well, no, I gotta check clearing tomorrow and my mortgage, like, you know, I gotta, they’re like, yeah, it’s gonna take, oh, 

[01:02:40] Doug: we’ll come and, I mean, I hate to be that cynical about this video.

[01:02:44] Will, you know, the ad hoc video will on the device that we almost all have in our back pocket all the time. But is, is it possible that part of the resistance to allowing that is cutting out the middleman and all the revenue associated with the, all of those parties in between 

[01:03:01] Joe: Oh, like lobbyists and going, Hey, we and lawyers, lawyers, judges and 

[01:03:07] Doug: nore and, 

[01:03:07] Joe: yeah.

[01:03:08] Doug: Yeah. 

[01:03:08] Joe: There’s actually, as you read down into this piece, because, you know, initially when I read it, it sounded like the brother being a little greedy. Hey, why don’t you make a video about this? And the guy’s gonna cut his daughter out. That doesn’t seem to be it at all. Right? As you read further down, uh, he specifically says in the video, Jesse says in this video that he does not want his ex-girlfriend Christina au to get anything.

[01:03:32] And he’s very clear about that. So ostensibly, when you read between the lines, well, I was laughing too, doc. I’m like, wow, call it out. Yeah, they, they named her, but I would bet I don’t know this, and the article does not say it, and the peace doesn’t say it. But I would bet that this daughter is a daughter of hers and his, yeah.

[01:03:53] Yeah. And so because of it. Afraid of, and a minor probably. Yeah. Yeah. He’s, he’s not afraid of his daughter. He’s afraid of ex-girlfriend getting hands on the money. Yeah. Because of the fact that the daughter probably is still a minor, I would guess, because also they went into a bank. Jesse and his brother, Jason not only did this video, he also went into a bank and in the bank became financial power of attorney for the accounts at the bank.

[01:04:17] And Jason said, we just thought we could do this and that. He said, we’re not lawyers. We thought we could do this. And we thought that, uh, I would take care of everything. So he wanted to make sure his brother, who he trusted, would take care of his daughter, not the ex-girlfriend. 

[01:04:32] OG: Yeah. I mean, there’s protections there.

[01:04:35] The good news here, generally speaking is, is that, you know, if the girlfriend is not the wife, then. In some circumstances, a court system would allow the girlfriend to be in charge of the daughter’s money, but a lot of times they’re gonna put a court appointed person in charge of the daughter’s money.

[01:04:53] That doesn’t mean that they’re gonna do it the way you wanted to do it. That doesn’t mean that they’re going to invest in the manner that you would prefer them to invest, and that the girlfriend can’t figure out a way to circumvent that or create a narrative that benefits them a little bit. But this is why I think almost at any level of financial status, you need to have some sort of estate plan done professionally.

[01:05:17] And professionally. Doesn’t mean you have to go spend $5,000 and go into the biggest law firm in town. There are tools online that will qualify for having this done, but the more layers of complexity you have, second marriages, young children, charitable intent, different types of accounts in different places.

[01:05:37] God forbid you have property in different places. The more complex that gets, the more you wanna really strongly consider having a pro review all this stuff because you can set this up one time, generally speaking, have some updates as as your life changes. But set it up one time and make sure that all of these problems go away.

[01:05:56] There is no girlfriend gets in charge of the money, there is no daughter gets it all when she turns 18. And I’d rather it be invested instead of it sitting in cash and the court system’s in charge instead of the person I trust. Like you can navigate all of that in advance. You just have to, you have to invest a little bit of time and energy.

[01:06:12] And the other piece that I would say about this is Warren Buffett just had his thing a couple of weeks ago where he gives away his money to his kids foundation. Probably caught that in the news and you know, whatever, it was several billion dollars. One of the things he commented on at the time was before you finalize your will, the best thing you can do if you have adult children is have them go through it with you.

[01:06:32] And for some reason in, in our. In our country or in our, you know, kind of like, it’s such a secret of like, grandpa died, let’s read the will and see what happened. You know, and it’s like, why, why do we have to figure it out on the fly? Hey, dad, you don’t wanna do it that way because this is the, you know, I’m good.

[01:06:51] We, you should, you know what I mean? Like, have that discussion while everybody’s of reasonable mind. You don’t even have to give dollar amounts. You can just say, here’s what I’m thinking, and let your kids talk about it so they know what the plan is if you know if they’re adults. Right? I mean, 

[01:07:03] Joe: this was, this was fantastic.

[01:07:04] To your point, Cheryl has a relative that, uh, she and I are in charge of their estate when they pass away. He sat us down. He’s told us nothing about money, but he brought in his financial planner, introduced us to his financial planner, so we know who the guy is, who knows the money stuff, where he also gave us the, uh, where to find things around his house, what the codes are, all the stuff that Mike get looked over.

[01:07:32] He took care of all that. Still didn’t share any of the numbers to your point. Yeah, I, I think that would’ve made him uncomfortable, but I think he feels way more comfortable that when something happens to him, that we know the people, we know what to do. We know where the estate plan is. We haven’t read the estate plan, but we know where the estate plan is and how to proceed.

[01:07:52] Yeah. I feel very comfortable taking care of it when he passes away. I think the big point here is OG what you’re talking about is just a little bit of insurance. I mean, it would’ve cost him a few dollars. Might’ve cost him several dollars. There might’ve been a comma in the number. Right. But that’s just insurance to get that done one time.

[01:08:09] Just one time. 

[01:08:11] OG: Yeah. Regardless of how much it costs, it’s always Hindsight’s 2020. Right. I’m sure his brother wishes they would’ve walked into a law firm instead of a bank to do it. Boy, it’s just, yeah. You know. 

[01:08:21] Joe: Doug a great piece and we’ll link to it in our show notes at stacky Benjamins dot com. By the way, uh, normally Wall Street Journal behind a paywall.

[01:08:27] This one was so big, I found it also on msn.com for free. So we will link to the MSN piece, uh, for everybody that doesn’t have a Wall Street Journal subscription. Time for us to answer a call from El, from a stacker who said, you know what? I better call Saul. See, hi and og. We love, love, love helping our stacker community do better with their money.

[01:08:49] And it’s funny, I was previewing today’s, this guy’s voice sounds really familiar. I don’t know if you guys can place it, but, um, well, let’s listen. 

[01:08:58] Caller: Oh.

[01:09:04] Nick calling from the north, uh, Alaska. I have to say, I travel around the world once a year and love catching up on the show. It’s a jolly good time, even though I don’t learn a thing. Here’s my question. I’ve got terrible budget problems. Several years ago I told the Mrs that I give presents to a bunch of kids, I don’t know, pay it forward.

[01:09:32] She said, you’ll become a legend. That sort of thing. Well, I have to say it’s gotten out of hand. Every stinking year I load up my sleigh. I. My, uh, pickup with all of these toys. It used to be trucks, trains, and Barbies, but now they want iPads, Xboxes, and thousand dollar phones. I mean, I give these ankle biters everything they ask for, and they always just come back asking for more.

[01:10:05] I know what you’re going to say og, and before you say it, I’ve already tried to cut my costs. We had the great idea of stuffing things in socks to limit the amounts, but before you know it, that just became an add-on. And now these rascals all expect a sock full of junk and their silly presents. Oh, greedy little and all for what?

[01:10:30] All I get in return is a few Christmas cookies and now they’re all gluten free. Where’s the fun in that? I’ve even gone so far as to hire a bunch of undocumented workers. They’re out in my workshop, behind the house, making knockoff purses and jewelry as we speak. I wouldn’t be surprised if the feds knock on my door tomorrow and shut us down, and if that weren’t a big enough problem, we use deer in our, uh, delivery system and the animal rights people are breathing down my neck.

[01:11:04] I really, truly don’t know what to do anymore. So here’s what I need to know. How do I cut when there’s nothing left to trim? What would you do if you were me? Thanks guys. 

[01:11:21] Joe: Nick, thank you so much for the call. He, he sounds familiar, OG. Couldn’t place him. No. No idea. But uh, when you feel like there’s nothing to cut, what, what do you do?

[01:11:33] OG: I think I’m somewhat motivated by the turn of events in college athletics and maybe, you know, if he’s kind of popular, maybe the name image likeness type of revenue system might help. You know, if you can’t cut anymore, you gotta increase the top line. Right? So maybe there’s an opportunity to maybe do some branding.

[01:11:52] Sounds pretty popular in his niche. So there could be some sort of like NIL deal, you know, get some, get some cash coming in, deal 

[01:12:00] Doug: goes in the portal. What about setting up like a GoFundMe sort of a thing for 

[01:12:05] Joe: Nick? Yeah. You know, the problem with that is that’ll solve at one time. I do like the idea though, of increasing income.

[01:12:09] I just remember when I was a planner, there were some people that were great at cutting expenses. Like it sounds like Nick has done a great job there. But they really needed to just grow the top line. I, I remember some meetings, I just come back and go, this feels like an income problem to me. Let’s talk about opportunities to make more money.

[01:12:25] Talk to your boss, get a side hustle. Do something to bring some more money in the front door. 

[01:12:29] OG: Yeah, side hustle would be another one. Do some like pre-season type activities, maybe out with the community, you know, you like go to like those, um, like meet and greets for like baseball stars and they sign autographs and that sort of thing, right?

[01:12:43] I mean the, yeah, I mean that sort of like, take pictures. People will line up. I mean, if he’s a popular guy to, you know, probably pay 20 bucks. Picture that 

[01:12:51] Doug: guy. He sounds happy all the time. Right? Yeah. So he could probably work kids’ birthday parties during the year. Yeah, 

[01:12:57] OG: there’s, yeah, that’s basically the NIL type thing.

[01:13:00] You can license people that are like him and then also in the preseason, like go out and, you know, meet and greets and you know, like Derek Jeter comes to your kid’s school. He’s getting paid, right? I mean like he doesn’t go for free, 

[01:13:12] Doug: go to places where there’s a bunch of people already going there. Like those malls.

[01:13:16] Yeah. Like I know they’re dying, but he could go hang out at a mall. Yes. 

[01:13:19] OG: A mall, a country club. Yeah. Where there’s rich people. 

[01:13:23] Joe: Yeah. Thanks for the call, Nick. If you’ve got a call like Nick, send them our way. Stacky Benjamins dot com slash voicemail is exactly how you get ahold of us. And ask your question now in 2025, just a couple things here before we say goodbye.

[01:13:42] We’ve got a great week of shows coming up. Our top mentors from even numbered years. So 2024 coming to an end. So we have a, a favorite one from this year, then from 20 22, 20 20 20 18. Paul Merriman’s been in the news a lot lately in the financial geek world. Um, so we’re gonna run our interview with him from a couple years ago.

[01:14:04] Uh, Yale, professor Zoe Chance. So good. Had a fantastic discussion with us. We’re gonna play that for you. For everybody that missed it, James Reed this year talked about really, what’s this all about? That was a really, really phenomenal discussion with James earlier this year. Those three and tomorrow. We are going to kick off this whole thing with our telling of Doug and the three ghosts, uh, tale as old as time as they say, which is, uh, that was a rough night for me, man.

[01:14:35] Which is gonna be, uh, a really, a good time tomorrow to kick all this off. So half 

[01:14:40] OG: a bottle it, Johnny Walker blew. Will do that to you, buddy. 

[01:14:44] Joe: That was a tough one. 

[01:14:45] OG: It’s it’s great. It’s great, it’s great. And it gets bad. It’s like, yeah, 

[01:14:49] Joe: it’s God. Yeah. Enjoy the next, uh, week of those, uh, while you’re enjoying your holiday season.

[01:14:56] Stackers. Uh, so thankful and grateful for all of you in 2024. We’ve got a lot of stuff happening in 2025. The book club happening. I’ll be going to Seattle. A lot of stuff, but if you need help in 2025 with your money, OG and his team are taking clients who went to Stacking Benjamins dot com slash og.

[01:15:15] There’s a gift right there. The gift of the Prince of Darkness and his team on your 

[01:15:20] Doug: Ouch. 

[01:15:21] Joe: Wow. On your teeth. I 

[01:15:25] Doug: I 

[01:15:25] Joe: bet 

[01:15:25] Doug: he’s happier 

[01:15:26] Joe: when people, I do like he is happier. It was so funny when we were in New York City, Doug OG was like, let’s get this over with. And then the, I know lights came on and I know, and all of a sudden we’re on stage and he was fantastic.

[01:15:39] Even Paula was like, who is this guy? Like, what’s going, what’s 

[01:15:43] Doug: going on? I’ve noticed a patent like way back years ago when we were, uh, we were on the book tour and, uh, OG and I are hanging out with you in Austin and Houston and, you know, and, and the Chicago area. As soon as he got around people other than you and I.

[01:15:59] He was awesome. 

[01:16:00] Joe: It all changed. Yes. 

[01:16:02] OG: Hmm. 

[01:16:02] Doug: Wonder 

[01:16:02] OG: what the, tell me more about 

[01:16:03] Joe: this. The pattern is there. Stacking Benjamins dot com slash OG gets on his calendar. Alright, everyone, happy holidays. Merry Christmas. Happy Hanukkah. That’s all coming up. Doug, what should we have learned on this episode that kicks off maybe my favorite week of the year?

[01:16:23] Doug: Well, Joe, here’s what’s stacked up on our to-do list for today. First, to help you follow advice from Angelo Polley, just remember this rhyme from the Lamest rap song of all time. Take a Vacation from Inebriation. The name of the game is Celebration and Moderation. I guess that’s what happens when Pat Boone puts out a rap album.

[01:16:44] But Angelo’s right, you feel better and enjoy the holiday without regret. Second, looking to complete your estate plan. Probably not a great idea to make a selfie video, although I do look great on camera. But the big lesson, Joe’s mom just showed me her ugly holiday sweater for the contest tonight. My face is not ugly, ma.

[01:17:10] Well, at least there’s not a line across my dreamy blue eyes. Hey, not for nothing. We’re gonna get one of those enlarge. Thanks to Angelo Polley for joining us today for details on Angelo’s Company Met Pro and how they can help you lose weight or get in shape. Heck, maybe even both. Visit Met Pro Do co slash sb.

[01:17:32] We’ll also include links in our show notes at Stacking Benjamins dot com. Happy holidays everybody. This show is the property of SB podcasts, LLC, copyright 2024, and is created by Joe Saul-Sehy. Joe gets help from a few of our neighborhood friends. You’ll find out about our awesome team at Stacking Benjamins dot com, along with the show notes and how you can find us on YouTube and all the usual social media spots.

[01:18:00] Come say hello. Oh yeah, and before I go, not only should you not take advice from these nerds, don’t take advice from people you don’t know. This show is for entertainment purposes only. Before making any financial decisions, speak with a real financial advisor. I’m Joe’s Mom’s neighbor, Duggan. We’ll see you next time back here at the Stacking Benjamin Show.

[01:18:40] bit: We are looking at how to pronounce the name of this American businessman and chef who gave his name to a famous brand of food products. How do you say it? Tony? Sat. Sat. You don’t want to stress on the first syllable line. Yes. It’s a s. Sound. Sound. S sound, a sa sound, not acher. Sound sat. So Tony Satie’s, pretty straightforward.

[01:19:09] Once you know Tony sat.