What do scammers, fancy doors, and Twinkies have in common? Turns out, more than you think! Today, Joe, OG, and Doug take you on a wild ride through financial scams, fraud prevention, tax implications of dual residency, and… the surprising link between door quality and financial stability. (Yeah, we didn’t see that one coming either.)
What’s Inside This Episode?
🕵️♂️ Scams, Scams Everywhere! – From identity fraud to the trendy new “deed theft” scam, learn how to protect yourself before a scammer claims your house faster than you can say “that wasn’t in the budget.”
💳 Fraud-Proofing Your Finances – Why setting up credit monitoring, checking your bills, and paying attention to sketchy emails can save you thousands in headaches.
🚪 The TikTok Minute: What Do Soft Close Doors Say About Your Wealth? – Is your financial future written in the way your doors shut? Find out why door noises might reveal more about your bank balance than your credit score.
🧾 State Taxes & Dual Residency: The Sneaky Costs of Living in Two Places – Thinking about snowbirding to Florida or keeping a backup home in another state? We break down what you NEED to know before state tax authorities come knocking.
🤖 Password Security & The Quantum Computing Takeover – Is the future of passwords doomed? What you should be doing now to keep your Twinkies—and your bank accounts—safe.
🍕 Pizza Cutting Controversy & Nostalgic Minivan Stories – Because what’s a Stacking Adventures episode without a little debate, a little reminiscing, and a whole lot of questionable opinions on pizza slicing?
🍰 Twinkies Trivia: A Deep-Dive into the Snack That Never Dies – Have scientists unlocked the secret of Twinkie immortality? More importantly, should Twinkies be considered part of a solid financial plan? (Spoiler: probably not, but let’s discuss.)
📢 Stacker Questions & Community Fun – Helping a listener navigate dual residency tax headaches + a special meetup announcement!
Takeaways for Smart Stackers:
✅ If it sounds too good to be true, it’s a scam. Seriously. Trust your gut, not the email from “Prince Jeff of Nigeria.”
✅ Your finances need monitoring, just like your snack stash. Set up credit alerts and check your accounts weekly to avoid surprises.
✅ Moving states for tax savings? Do the math first. Dual residency isn’t always the loophole people think it is.
✅ Twinkies may last forever, but financial security requires maintenance. A solid money plan beats a stockpile of snacks (but only slightly).
🎧 Hit play now for a mix of financial wisdom, scam-prevention tips, and just the right amount of Twinkie-fueled fun!
Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201
Enjoy!
Our TikTok Minute
Our Headline
- How to Protect Your Home From Deed Theft (Kiplinger)
Doug’s Trivia
- What is the parent company of the dessert Twinkie?
Better call Saul…Sehy & OG
- Stacker Anna has questions about the tax and other implications of dual-state residency.
Have a question for the show?
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Join Us Friday!
Tune in on Friday when our roundtable tackles the topic of automation and your investments.
Written by: Kevin Bailey
Miss our last show? Listen here: Redefining Retirement with Benjamin Brandt (SB1639)
Episode transcript
[00:00:00] aftershow: They’re dogs and they’re playing poker. [00:00:15] Doug: Live from Joe’s mom’s basement. It’s the Stacking Benjamin Show. [00:00:29] I’m Joe’s mom’s neighbor, Doug and scammers are back in the news. God what now? And she said, I mean, how do you protect yourself this time? Today we’ll talk about protecting your home and your credit. Plus we’ll answer a question from one stacker who thought, you know, I’d better call salt. See hi and og, and it’s all about taxes. [00:00:50] Of course, we’ll share a TikTok minute that may explain why you’re not wealthy. And of course, I’ll share some trivia. Oh, and [00:00:59] Joe: by the way, I, I fixed your trivia. [00:01:01] Doug: You fi it needed fixing. [00:01:03] Joe: Yeah. No, it’s, it’s better. It’s good, huh? Well, thanks Joe. [00:01:08] Doug: Uh, and now two guys who just yesterday tried to write off Taco Tuesday as a business expense. [00:01:15] It’s Joe and oh, [00:01:22] Joe: well, while I did fix your trivia, Doug, that did not happen. Although og, how great would it be if we could have written off Taco Tuesday? Why [00:01:29] OG: couldn’t you wait? You can’t write off Taco Tuesday. [00:01:31] Joe: It’s not a stretch. Oh, that’d be fantastic because that third margarita always goes down better at lunch when it’s a tax write off. [00:01:41] Hey everybody, welcome to Tax Miss for the WIN podcast. It’s a write-off. I am Joe Saul-Sehy, and uh, the Tax Man Cometh. Mr. OG is here. How are you dude? [00:01:54] OG: Well, I’m not the tax man, but yeah, no. It is approaching. What, what do you make of the people who like to file their taxes on like January 9th? Do you feel like that’s a little early? [00:02:04] I think you’re gonna miss something, right? Like there’s, you’re gonna, I’m gonna back off [00:02:07] Joe: overachiever. [00:02:08] OG: Well, it’s not overachieving. I just, I mean, I guess if, you know, you have all your stuff, but [00:02:13] Doug: only people who do that are the ones who know they’re getting a refund. I do it all the time, get a [00:02:17] OG: refund, but you, you don’t get your W2 until the end of the month and you don’t get your tax, you know, your mortgage statement and all that sort of stuff. [00:02:23] You’re, yeah, I wait till I have all that stuff [00:02:24] Joe: grasping at straws. [00:02:26] OG: I don’t know. Oh, [00:02:27] Joe: maybe. Do you know people that just file without that and then they, and then they refile. Like how do they do it if they don’t have any of that stuff? That’s what I mean, you know, I don’t know who are these people? Who are these strange, strange people? [00:02:39] Don’t. Don’t be overachievers. Legends. Legends out there, and if you’re getting a big refund, fix your withholding. Scott Dangit. Don’t yell at me, man. Well, now that you get some decent interest on those high yield savings accounts. Yeah, I mean, chaing on that 4.5%, you’re not getting 4.5 anymore. I did that on TV once. [00:03:00] I did that on TV once, by the way, I made the mistake, and you don’t do this when you’re a TV personality for a major financial company. Do not quote a rate of return. I accidentally said once og, I was like, oh, I guarantee [00:03:14] OG: 12%. [00:03:15] Joe: At the time. At the time, money markets were paying like 5% and the big firm I was with, they’re like, yeah, ours only pays 4.6. [00:03:22] And we got like 28 phone calls about, oh, about why? And I was just rounded. Yeah, bad, bad prop. Do not do that. Do not, do not do that. Anyway, we got a great show about other things that you probably should do. You probably need to pay a little bit of attention, OG, because scammers are always out there. [00:03:41] Mm-hmm. And, uh, a new story that I found at Kiplinger Talks all about. A scam that man could cost you a lot. A lot, lot, lot, lot, lot, lot. Very, very, very scary scam involving your home. How about go to your house and you don’t own it anymore? [00:03:58] OG: Oh, that’s a sporty way. [00:04:00] Joe: Yeah. Not very good there. So how do you make sure that’s not you? [00:04:03] And by the way, some good processes. Uh, either way, even if you’re not being scammed, I think you can put some great processes in action that helps you manage money better and keep scammers at bay. We’re gonna talk about that og. We’re gonna question OG on taxes today. What if you. What if you own property in different states, like how do you file the different state income taxes? [00:04:25] We’re gonna see if OG can, uh, get that one right. And of course, we rewrote Doug’s trivia today, so it’s a bundle of fun. But the bundle of fun always begins with some companies that made sure that they can help us keep the lights on so that you don’t have to pay for this. Goodness. Let’s hear from them and then into our headline. [00:04:47] headlines: Hello, doling, and now it’s time for your favor, part of the show, our Stacking Benjamin’s headlines. [00:04:54] Doug: Uh, hey guys, since uh, Joe took it upon himself to fix my trivia, I think I’m gonna step in with headlines just this morning, breaking news, population growth, dropping Babies are at fault. [00:05:06] Joe: Yeah, no. Well, that would be true if that were, yeah, it’s [00:05:09] Doug: gotta be their fault. [00:05:10] A true, true headline. They’re not growing in fast enough. [00:05:13] Joe: What’s happening to the show, og? What’s going on here? Too many in a week, I think. [00:05:19] OG: Or was Little Punch Drunk. [00:05:21] Joe: Let’s do this headline instead From Kiplinger. Uh, very, very disturbing. How to Protect Your Home From Deed Theft, written by Donna LaValley. [00:05:31] Donna writes, have you seen Scary Ads? I. For deed theft or home title fraud protection. They often claim that this type of crime in which Thief transfer a home title themselves is soaring. But there’s no clear evidence that that’s true. So there’s, there’s a good thing, nor is there a good reason to sell out for a service that protects your home’s title since you can do much or all this monitoring on your own for free. [00:05:54] The Scam. Og, do you like how in the open I got you guys on the scam? Mm-hmm. This type of scam happening all the time. Same thing they’re telling us on these TV ads. Don’t buy it. Speed theft is a real issue. Is it a growing problem? Hard to determine the FBI collects broad data on real estate fraud without reporting specifically on the type of fraud. [00:06:14] Real estate fraud can encompass more than title forgery, such as when borrowers miss mistake, their ability to purchase property or renters are cheated out of security deposit. What’s clear is this, though real estate fraud in general is on the rise. Here are the things that a criminal can do with your deed or your home title. [00:06:34] Number one, they can illegally rent out your property. If you guys heard about this besides in the news, I’ve definitely seen in online groups people asking, Hey, uh, I went to collect rent for my renter. Somebody said they already paid the rent. This person was showing up for like four months in a row collecting rent from a renter who unbeknownst to the landlord, was paying the wrong person [00:07:01] OG: who shows up to collect rent. [00:07:03] What is that? That was [00:07:04] Doug: my, that was my first thought. [00:07:06] OG: 1947 called they would like their money transactions back. [00:07:10] Doug: Yeah. I only take cash. [00:07:12] OG: Yeah. Yeah. Ugh. And it’s been to four months. You just let ’em slide, like, ah, I’m sure they’re good for it. Right? Like that’s, you would find that out on, on the fifth. How do you let that go past the sixth? [00:07:26] Joe: Opening up home equity lines of credit, refinancing a mortgage on a house that they don’t own. Mm-hmm. Sell the house to a legitimate buyer and pocket the profit common approach for unoccupied vacation homes or rental properties. I have heard about [00:07:39] OG: that. Yeah. Yeah. I mean, I haven’t heard it happening to anyone other than on the news, or not even on the news. [00:07:45] More like this happened to this one person, this one time. [00:07:49] Joe: Well, this is the thing on that four month story, this is the problem. Most of the time when I hear about this og, it’s because. People aren’t paying attention to the monthly bills, they’re not paying attention to the bottom line. They’re like, okay, well, you know, I gotta do that, but uh, I’m gonna go ahead and go without a property manager, number one. [00:08:06] And number two, I know they didn’t pay, or I have it set up where they. Pay automatically, but I don’t check the account to see if the person actually paid and a few months go by and I go, wait a minute. I’m not getting that. That thing, I actually have a relative who had another relative perpetrate a fraud on them. [00:08:24] Wasn’t used to checking their bank account. Checked three months later and went, what happened to $36,000 of my money? Where did it go? It turned out another relative had a copy of the check and it has the routing number right on the bottom of the check. Yeah. And a relative had stolen $36,000 [00:08:44] OG: Borrowed. [00:08:44] Joe: Borrowed, yes. Temporarily, [00:08:46] OG: yes. With all [00:08:47] Joe: intents to pay it back. It was pretty hilarious when the person was approached, by the way. It was all just a big mistake, og. [00:08:53] OG: I was wondering how I got 36,000 extra in my account, but rather than, uh, investigating it and then also realizing I was the one who put it there, I, uh, yeah, I just spent it, [00:09:03] Joe: you know. [00:09:03] Now listen to this. This was the reasoning. [00:09:06] OG: Mm-hmm. [00:09:06] Joe: We both bank at the same bank. Yes. I needed $36,000 outta my account for X, Y, z. I don’t remember what the reason was. And the bank teller must have messed it up. [00:09:17] OG: Oh my gosh. What a jackass. Bank teller. [00:09:21] Joe: Like Really? The bank teller messed it up. Yeah. And then what’s weird is you never saw any action in your own bank account at all. [00:09:30] You happen to have this $36,000 that is, uh, I don’t know. And then, by the way, yeah, obviously [00:09:36] OG: I’ll bs then. [00:09:36] Joe: By the way, I’m gonna pay it back every month. Every month I’m just gonna make payments to pay this back. Made one payment, one. [00:09:44] OG: All 36,000. [00:09:45] Joe: No, not plus interest. Not even close, like 10 bucks, right? Yeah. [00:09:50] I’m gonna pay you back on a monthly basis. I’m gonna pay 10 bucks a month until I get paid off. Made one payment. Hasn’t made a payment again. Yeah. [00:09:57] Doug: I’m gonna be your account Billa buddy on this. And bring us back to the headline and why you brought this up in the first place. How do we protect ourselves against fraud? [00:10:06] Joe: Yeah. Number one, don’t buy this fraud protection plans that they’re offering on tv. ’cause it’s the author here, Donna says, not a thing. Right? Do not buy fraud protection insurance. But what you can do, and I love what she brings up. Wait. So [00:10:20] Doug: fraud protection insurance is a Fraud. Is a fraud. That’s fantastic. [00:10:25] Joe: I [00:10:25] Doug: love that. [00:10:26] Joe: That is it. The whole headline I had you read about fraud was a fraud. I might buy it just to support that kind of ingeniousness, but number one, pay attention to incoming bills. I mean, you know, all these things that we talked about, my one relative that got scammed, had that happen. The person we talked about that wasn’t collecting rent, somebody else was collecting the rent. [00:10:47] They didn’t check the money coming in for a few months. Pay attention to oncoming bills. This guys is why I like Cheryl and my weekly. Another reason why I like our weekly money meeting, because all we do is we look through the checkbook and see all the things that came in and out. Or if you use a credit card like, oh gee, I know you guys do in your family weekly. [00:11:07] Just open up the credit card app and then dive into how did we spend money last week? Then we have a very quick talk about how we’re gonna spend money next week. But if you’re paying attention to the incoming bills, you’re gonna make sure, because this is what happens, they either change the mortgage bill, right? [00:11:25] They change the tax bill, they change the, the water bill. Sometimes these things, which are often used to prove who you are. A thief will divert those. Then all of a sudden you’re like, well, wait a minute. How come I haven’t got my water bill? Well, that’s because a thief just changed over that bill so they can begin claiming that they own this, they own this property. [00:11:43] Interesting. [00:11:44] Doug: So before you and Cheryl sit down and look through the checkbook, do you get in a time machine back to 1987 to look through your check register? You [00:11:51] OG: know what’s [00:11:51] Doug: funny is, is I [00:11:52] OG: literally, you saw me do this with by hand, he calls the bank and asked when he is gonna get the, uh, the canceled checks back. [00:11:57] Yeah. Yeah. I need to balance my checkbook. I haven’t received this month’s checks. Oh my God, it so annoys me. It’s so, so, so amazing. I would venture to say 60% of the audience doesn’t know that that was a thing. Ever Think about the fraud. Think about the fraud opportunities that would exist if you literally, A, had to write checks still, or B, you [00:12:18] Joe: literally got them all mailed back to you like they used to. [00:12:20] When my dad died and my mom took over all the banking, my sister and I had to tell her that online banking was what you needed to do. She’s like, no, I’m gonna write checks ’cause there’s less fraud. We’re like, no, mom. There’s more fraud. [00:12:32] OG: Yeah, my mom gets a, uh, disability check or used to, I think now because she’s on social security, she doesn’t but disability. [00:12:39] But I remember, uh, I mean this was recent within the last two or three years where she said, I have to run to the bank and cash my check. And I was like, wait, hold on. What? That’s not a thing anymore. Like you have to get cash from the bank. Is that what you mean? She’s like, no, I’ve got all these checks, and I’m like, what do you mean you have all these checks? [00:12:55] She’s like, well, when I get my disability checks, I just let ’em pile up for a couple, three, six months, and then I take them all to the bank and deposit them at one time. I’m like, why don’t you just have ’em electronically deposited? She’s like, ah, it seems like too much hassle. Like, yeah, but driving your ass to the bank, you know? [00:13:13] Right. Like, what are you talking about? [00:13:15] Doug: And not having use of that money for that long. [00:13:17] OG: Yeah. Yeah. Well, I mean, and you can lose it obviously, all that sort of stuff, but you have to go through it. The more that you make things electronic. And this is why, part of the reason why spending goes up and part of the reason why is, is like that convenience factor, like the proverbial a hundred dollars bill that’s in your wallet that never gets spent because you can’t break the a hundred. [00:13:37] You are like, ah, I just, I can’t break that. That’s, that’s too big a bill. When you’ve got a credit card or a debit card in your pocket, you can just beep, beep, beep. And apple pay now makes a fun noise, but ding, you know, like, oh, I did something good, but ding. You know, like, I got a new pair of shoes. But ding, if it just went like, you would be like, oh God, I probably shouldn’t be doing this set often. [00:13:58] But instead, they make it sound really nice. I remember watching a video one time about how the BMW sound engineers had to make the sound for, put your seatbelt on. Annoying but pleasant. Because they had to make it like you needed to, like, I need to do this. But it couldn’t be like, ha ha ha, that wouldn’t be in keeping with the luxury of BMW. [00:14:18] So it’s, you know, or whatever the sound is to like put your seatbelt on. So they think about this sort of stuff, but they make it easy for you to spend money. And if you’re not paying attention to it, American Express, I’m sure a lot of credit cards do this. Send out an annual statement. Here’s your annual spending. [00:14:35] If you want your breath taken away, get one of those. Download that little puppy at the end of a year. I noticed there was like a bunch of Venmo charges. I mean, I think we spent $7,000 in Venmo last year. I was like, what the heck? That’s just moving money between people, you know what I mean? I’m like, what are we doing? [00:14:51] And so I asked my wife about it. I’m like, who the heck is this person and why are they getting, you know, this amount of money pretty frequently from us? She goes, oh, that’s the service that we have. That’s my foot massager. That’s how they take their, it’s not that that’s how they take their, their revenue, you know? [00:15:04] That’s how they get paid is through Venmo. You know, I wasn’t paying attention to that, but this was a solid 3,500 bucks. Yeah. That if it would’ve been fraud would’ve gone unnoticed for the whole year. They limit, you know, credit cards and banks, their liability is limited. Past your statement. You know what I mean? [00:15:21] Like if you get a statement and you don’t say, Hey, hold on a second, this statement’s not right. There’s some stuff on this statement that’s wrong. Once you get a statement or two behind, they’re like, well, listen, you can’t claim fraud two years ago. You know, you should have caught it by now. So you do have to have a system for that, whether it’s Monarch, I love Monarch having that all in my face every day where you can like download that stuff or it shows up, you know, you do a little. [00:15:44] See the, the transaction history or your weekly meeting, which you do electronically also. [00:15:48] Joe: Yeah. You definitely have to have a system because all that convenience OG can really hamper your ability to spot this stuff. [00:15:54] OG: You know, I’ll tell you, I’ll give another little thing here for keeping it in front of you. [00:15:59] What you focus on and what you measure gets improved. We’re all at the beginning of the year, and it’s just fun to talk about health and wellness and that sort of thing. At the beginning of the year, there’s a lot of stackers that are like, oh, this is the year I’m gonna get in shape, or, this is the year I’m gonna work out, or This is the year I’m gonna wash my calories. [00:16:15] The thing that you’re focusing on right now is probably having a result, right? If you’re 20, 30 days into the year. You’ve been watching your calorie intake, or you’ve been getting your 10,000 steps, or you’ve gone to the gym five times a week, you’re starting to see that momentum. What you’re measuring is producing success. [00:16:32] And the same thing is true with your money. If you just, it’s great to put it on autopilot. I’m a big fan of autopilot your four one K and your balancing and all that sort of stuff. But if you wanna control your cash flow, put it in your face every day. There is nothing more eye-opening than every day opening that app and going, God dang, do we spend a lot of money on Amazon? [00:16:51] Yeah, and sometimes just that awareness, just that like, it’s in my face, I’m seeing this, I’m, you know, it’s top of mind will make you just take half a step back. Absolutely. I don’t need to go out to dinner. Four times a week, like, holy crap, what am I doing? Maybe it’s only twice a week and you just get a little bit more control over it. [00:17:11] And it’s not that, it’s not a life sentence, right? It’s not like a new thing you do for the rest of your life, just like going to the gym or eating healthy. You just have to build that muscle to the point where you’re like, oh, now I’m just a guy who goes to the gym three times a week, like Monday, Wednesday, Friday. [00:17:24] Those are my people. And so once you get used to it, once you get, you know, you get a rhythm like you and Cheryl have. Kinda keeping it front center. So there’s a lot of positive strategic byproducts to that. [00:17:34] Joe: I’ve been reading, uh, choreographer, uh, Twila Tharp’s book on creativity. She talks about how all of us can be more creative. [00:17:42] It is a muscle og to your point that you work and you actually have to get yourself. To the thing. So she has all these exercises, but she talks about developing that muscle to your point. And she said every day at, she lives in Manhattan, so every day at 5:00 AM she has the same taxi that picks her up to take her to the gym. [00:18:06] And she’s somebody that was a high performing dancer, high performing choreographer, and she’s like, and then I go work out. And now let me tell you what my system is of my success. I have the taxi there at 5:00 AM. She goes, and you thought I was gonna tell you all about the cool workout I did whatever. [00:18:27] She goes, Nope. If that taxi is there at 5:00 AM I know the taxi driver’s waiting for me and I’m gonna get in the taxi and then guess what happens? I work out. [00:18:35] OG: Yeah. Once you get to the gym, once you put your shoes on, once you, I. I can tell you we have a home gym system at our house and the amount of time that I will sit in that room, like literally on the bench, just staring at it like, okay, I think I can probably do it. [00:18:50] I can probably do it. [00:18:51] aftershow: Yeah. [00:18:51] OG: The hard part is not doing the activity, it’s getting my ass to sit on the bench next to the thing. Like it’s the 80 steps it is between my office and that room where it’s like that is the. That is the hardest way. [00:19:04] Joe: I did a 30 minute bike workout at the gym the other day, and I start bicycling and I wanted nothing to do with it. [00:19:10] And I’m like, okay, I just gotta start pedaling. Yeah. And I’m like, you know, I’m just gonna pedal slow today. I’m just gonna put one just pedal slow. Do before I know it, I’m, I’m 10 minutes in and I’m rocking. But I had to just start pedaling to even get in the boat. Doug, can you picture [00:19:26] OG: Joe doing like the full body cycling [00:19:28] Joe: workout? [00:19:28] It’s great. Ugh. Yes. It’s be, it’s a beautiful thing. Other things they say in this piece, check the status of your property deed if possible, where you live. Set up notifications at the registry to alert you to any changes. So check with where your deed is registered Next, monitor your credit report for signs of identity theft. [00:19:47] Cheryl handles this in our family. I take a look at it once a year. She handles it though on a regular basis ’cause she really look on [00:19:54] OG: the credit [00:19:54] Joe: report [00:19:55] OG: thing. Every credit card you have has some sort of credit monitoring Free FIC esque. Yeah. Thing. Yeah. Right. The least you can do is to opt into that so at least you’re notified when you get credit polls and that sort of thing. [00:20:09] If you don’t have your credit report frozen, all three of them, TransUnion, Equifax, and Experian, take the 10 minutes. This is, that was my very next point. This literally takes 10 minutes to log in. Like you just type in Equifax, credit freeze, Experian, credit freeze, TransUnion, credit freeze. You need an account, so you have to create an account. [00:20:25] If you don’t have one, it’s literally button. Yeah, click it. It’s almost like a little slider. A little slider. Freeze off on unfreeze. Off on. Yeah. And so for people who are like, well, hold on. Doesn’t that affect your ability to get credit? Absolutely. It does. It a hundred percent affects your ability to get credit. [00:20:39] It affects everyone’s ability to get credit in your name. [00:20:41] Doug: Yeah. To get your credit. Yeah. ‘ [00:20:43] OG: cause it’s your credit. But here’s what happens. And I know this because I’m a points um, slut. Is that okay? I dunno. Wow. That escalated quickly. Holy cow points. What’s better than a slut maven nerd? Nerd points nerd. [00:20:58] Some people [00:20:58] Doug: that is better. Some people are into that, [00:21:01] OG: and what happens is you’ll get an email from Chase that says, Hey, we tried to, uh, help you apply for this credit, but your credit report’s frozen, unfreeze it. Then contact us at this number. You can literally turn it off for period of time. You say unfreeze it for 10 days. [00:21:15] So you can go get your credit report, you can go get your car loan, you can go get your new credit card, you can do whatever you want, and then it automatically freezes again. And you have to do this for everybody in your family. Everybody, just do it. Do it for your kids. Do it for your mom and dad. They don’t know how to do it. [00:21:30] It’s so easy. It’s the easiest thing in the universe. Police will tell you that crime, most crime is crime of opportunity. Criminals are not looking to smash windows to get packages. They’re looking for open doors, right? If the door’s unlocked, it’s like, oh, I can just unlock. I can just open this door and look in here real quick. [00:21:48] I don’t have to, I don’t make a scene. Now, obviously digital theft is a little different, but they’re still looking for open doors if there’s a hurdle. It’s like, ah, GT OGs credit. It’s a pain in the ass. I’ll go for Doug. If my password is password, yeah, I’m asking for it. I mean, that’s a real freaky, scary thing. [00:22:06] Now there’s a website called How Secure is my password? Do net Baby, not sure you can type in your password. I don’t think that’s a great idea. But you can type in a password to get an idea of how long it will take a, an average supercomputer to break your password. How secure is my password? Dot net is the site. [00:22:24] Yeah. So type in a password Joe. Type in password and it tells you how long it will take. So your password is password? Yeah, [00:22:32] Joe: og. They moved it. It’s now@security.org. Okay, so you go to security.org. You put in a password. Let’s put in the password. Password, password. 1, 2, 3. So I put in password, your password would be cracked instantly. [00:22:47] It says, all right, now add four digits and an exclamation point. I’ll just go, 1, 2, 3, whoops. 1, 2, 3, 4. Password exclamation point. It would take 12,000 years. [00:23:02] aftershow: Yeah. [00:23:03] OG: And probably not. Not for that one in particular. Yeah. ’cause that’s a sequential. Sure. Logical one. If you just typed in 12 random characters, I. [00:23:10] Uppercase, lowercase commas, parentheses, the whole deal. Like you can get with a service like iPhone or, you know, Google has that pixel or, or LastPass, you can buy it. Yeah. I use Dashlane. Dashlane. It’s gonna take years and years and years to do that. That’s not a low hanging fruit. My concern is the supercomputers that they just broke this quantum computing record. [00:23:30] I’m, some people way, way, way smarter than me can explain any of this, but apparently it was some computer threshold that no one thought could ever be broken and they broke it. And I just wonder how that’s gonna affect this type of stuff. Absolutely. But you gotta use face id. You gotta use your six digit code for your phone, like all the two factor authentication. [00:23:51] That is a giant pain in the butt. You have to implement on anything that’s secure. [00:23:56] Joe: I. We will dive into this even more in our newsletter. The 2 0 1 this week will be about theft, identity theft, property theft fraud in general. Stacking Benjamins dot com slash 2 0 1 gets you onto the mailing list, so the ferrets that spin the wheel, that make this newsletter, go deliver it right to your inbox, hot and fresh every Tuesday coming up next. [00:24:22] We’ve got a great TikTok minute about maybe the reason why you’re not as rich as you think you are. We’re also gonna answer a call from a stacker, but Doug, I fixed your trivia today. Yeah, this I made it better. Let’s, uh, this is [00:24:33] Doug: terrifying. [00:24:34] Joe: Let’s dive in. Can we just skip today? [00:24:41] Doug: Hey there, stackers. I’m Joe’s mom’s neighbor. Duggan, today is an amazing day in history because for the first time back in 1930. A guy working at Continental Baking Company dreamed up a dessert that looks like a, well, it’s sort of a. Look, I don’t know how else to put this. It’s a golden tube full of cream. [00:25:00] What is that modern miracle called? You ask. Of course, it’s a twine, and squeezing it just for fun is frowned upon. I did that once and I’ve been told I’m not allowed back in that Bucky’s ever again. Tons of tails have been told about the twine, about how they have no natural ingredients and have a shelf life of infinity and uh oh. [00:25:21] Also that they begin as tiny, cute little Twinkies. And through some secret nuclear fission process grow to be the full-size goodness you see in stores. None of these or other legends are true, but what is true is this. Twinkies are a delicious moneymaking sheen, and here’s today’s trivia question. [00:25:40] They’re a moneymaking machine for what company. I’ll be back with the answer right after I go find out what Twinkies are really made of. I’m sure no matter what. They’re gonna fit right into my caveman diet. [00:26:02] Hey there stackers. I’m cellophane wrapped dessert lover and health food enthusiast. Joe’s mom’s neighbor, Doug. Today is the birthday of that delightful cream filled tube. You just can’t get enough of the ultimate bargaining chip in. Every middle school lunchroom negotiation, and the first item you see in the gas station when you run in to use the bathroom. [00:26:24] Yes. I’m talking about the twine. And while you’re all like, I wouldn’t touch one of those with a 10 foot pole. I know you’re all scarfing ’em down in the dark after the kids go to bed because over 500 million of them are consumed every year. But today’s question was this, what company is the parent of this much maligned dessert? [00:26:46] The answer, it’s hostess, but don’t worry stackers. ’cause if you said Smuckers. That answer’s also correct because back in 2023, Smuckers agreed to purchase hostess and is now the parent company of that twine making machine. And now, here come the truck stop cupcakes at the controls of this podcast, Joe and OG [00:27:10] OG: Doug playing under protest. [00:27:11] It’s disgusting. Isn’t that a thing in baseball? It’s horrible. [00:27:14] Joe: I can’t believe you do a trivia like that, Doug. Hey, time for us to transition to something better, which is our TikTok minute. This is the part What, if we ever describe the TikTok minute as better, better than the trivia? This is the, why am [00:27:29] Doug: I calling you? [00:27:29] I don’t know. You’ve been calling me for that whole trivia, but my phone was ringing the whole time. No idea. Did something move in your pocket during that segment show that dialed your phone? [00:27:39] OG: Okay. Boomer [00:27:40] Doug: pocket dial. Uh, I was gonna [00:27:42] OG: say, when was the last time you guys pocket dialed somebody? But apparently Joe does it all the time. [00:27:46] aftershow: Literally just [00:27:47] Joe: now. [00:27:47] OG: The other person who does it to me are my in-laws [00:27:50] Joe: and my mom. Yeah, no, no idea. Anyway, let’s go to the TikTok minute. This is the part of the show where we shine a light on a TikTok creator. Who is, uh, sharing some money? Goodness. And, uh, comedian Jeff Sheen, guys, I think he’s, he’s picked the lock on. [00:28:05] Uh, well, the difference between those of us that, uh, who don’t have a lot of money and those rich people around us. [00:28:15] tiktok: Every door slams in a poor person’s house. Every door. Even the kitchen cabinet door slam, like we didn’t have those rich people kitchen cabinets that looked like they’re gonna slam then. [00:28:25] Then he stopped at the last second and then. Softly close to protect your fucking rich people. Ears, not us. Just poor loud doors every day. That’s what keeps us poor, I think, is the loud slamming doors. Every time you get a good money making idea, a door would slam, knock it outta you. [00:28:48] I remember I had a friend, his mom’s minivan was so. You couldn’t slide the door shut on the minivan. We’d all have to get in, and then she would floor it and then slam on the brakes to use the momentum to slam the door shut. We needed science to close our doors. I’m telling you, man, life, it’s all doors. [00:29:09] It’s just quality of doors. The richer you get, they get quieter and quieter until eventually you get a door man, right? You get a whole. Fucking man who’s your doors for you? And he has his own doors, right? He’s a poor doorman. They probably slam. So every day just slamming doors. Maybe one day he snaps murders. [00:29:31] The rich guy. They send him to prison to slammer. It’s all, it’s a slammer [00:29:39] Joe: sheen. Doors. When did you realize, like, uh, what age? Like, as I listened to him, I remember by the way, I had a minivan like that, that was so bad, so rusted out that, that getting that door to shut was so hard. I would do that. I would drive fast down the street, slam on the brake, and the thing would finally unjam and would come crashing shut. [00:30:00] We had [00:30:00] Doug: the opposite problem with our minivan. You couldn’t pull it shut. Something went wrong with it after it got older and started to rust, and it wasn’t the rust that was doing it, but you couldn’t just go into manual mode, so you had to press the button and wait like four minutes for it to shut itself. [00:30:14] Joe: I remember the first time I got one of those tailgate doors, by the way, where, you know, I went to slam it. Yeah. Because being a dude that didn’t have money, and somebody was like, whoa, whoa, whoa, whoa. Hold on, man, you’re gonna kill the motor. I’m like, what motor? And they press the little button and think slowly, slowly goes down. [00:30:29] But how old were you when you. Realize that some of your friends were Richard than UOG and, and and, and and What exactly was it that kind of tipped you off? They had dinner that night. [00:30:42] OG: My car has soft closed doors. [00:30:46] Joe: But did it have that when you were growing up? No. My dad’s a truck driver. Yeah. A [00:30:50] OG: farmer? No, man. [00:30:51] That was us. I mean, we’re all in the same school. There might have been some, you know, the, the, the wealthy people in my circle when I was a, well, the, the wealthy parents. That’s not even fair to say the, the more well to do maybe, I don’t know. Yeah. More comfortable once who appeared to have it together. [00:31:08] Were all the factory workers at gm? [00:31:10] aftershow: Yeah. Mm. If you [00:31:11] OG: were a 25 year factory worker at gm, you were working seven to two. You know, you had the cherry shift, you were a supervisor of some kind, making 30 bucks an hour or whatever it was, you know, you had a nice [00:31:22] Joe: pension. Yeah. Great Pension. Pension didn’t be coming. [00:31:24] Yep. That was the thing. I thought my friend Jimmy was rich because they had a house that had maybe. 12 rooms and they only lived in like four of the rooms, four or five of the rooms. And the rest they left, sealed off. And I remember just thinking Jimmy was so rich ’cause they had this huge house and didn’t use the entire hou, like who has a house? [00:31:46] It’s that big and you don’t use most of the house. And then now, like later on, I was so many years older when I’m like, that may have not been the status symbol I thought it was, it could have been a house in the family. Like I have no idea. I just remember thinking, man, my friend Jimmy, he is loaded. This guy, it’s so amazing. [00:32:03] No soft closing doors at Jimmy’s house. Didn’t have that. What about, [00:32:06] OG: yeah. [00:32:07] Joe: Yeah. I had a friend in high school. I remember that. [00:32:09] OG: So closed drawers are cool too. [00:32:11] Joe: Oh, those are cool. I had a friend in high school that we went over to her house. She invited a bunch of us over for dinner, and we go to her house and her house had a name. [00:32:22] They had a chef and that was the first time I was like, this is, that’s, this is some serious, serious money these people have. Probably every door was as soft closed door. I [00:32:32] OG: mean, [00:32:32] Joe: if you [00:32:32] OG: have a [00:32:33] Joe: chef, [00:32:33] OG: of course, [00:32:34] Joe: yeah. That’s another person. Like they said, you have doorman, you got a chef person. Then I remember also having friends on the other side of the spectrum. [00:32:46] Like I remember going out to McDonald’s with my family, with a friend who I didn’t realize how poor their family was until he’s like, oh, we don’t get to do this. We never go out. We never go out to eat. I’m like, it’s McDonald’s. We’re not even really going out to eat. Oh, this is great. This is absolutely fantastic. [00:33:03] OG: I mean, we never went to OT when I was a kid. Never, ever, ever pizza Once a month. Maybe from B C’S pizza. Did you guys do, does that BNCs and you go to B CS [00:33:15] Doug: Webc? We have BC pizza. It’s all over Northern Michigan, [00:33:18] OG: but we call the BNCs. Is it round? But they caught it in squares. [00:33:21] Doug: No, [00:33:23] OG: I bet it’s the same [00:33:24] Doug: though. [00:33:24] That’s stupid by the way. It is ridiculous way to cut a pizza that was No, it’s like [00:33:29] OG: gigantic [00:33:29] Doug: pizza. I don’t care. Couldn’t, because you end up with 14 pieces in the middle with no crust. Yeah, this is the stupidest way. I’m, I am pissed at the thought of cutting a round pizza into squares. Doug’s like you only go out to eat once a month and you, was [00:33:43] OG: it on that? [00:33:43] Yes. Wasted On square pizza. Square round pizza. You check square pizza’s [00:33:45] Doug: fantastic. But there’s still those four pieces in the middle that are questionable. ’cause they don’t, at least you got the thick crust on the bottom of those. Yeah. Round pizza. Cut into squares. Why’d you get me started? [00:33:57] OG: Now I’m gonna go to go back to Bay City, Michigan, and I’m gonna go find that pizza place and see if it’s still around. [00:34:02] Order me a, a za and take it up to Doug’s house. Like what? Say you now, sir. [00:34:07] Doug: I think that’s a Baltimore thing or a Pittsburgh thing. Like that notion of screwing up the geometry of a pizza. [00:34:16] OG: Yeah. ’cause then you end up on the edge, you end up with like a really teeny, tiny, tiny, you’re gonna get a couple [00:34:19] Doug: of little Yeah. [00:34:20] It’s just [00:34:21] OG: so you get like all crust and nothing. [00:34:22] Doug: Yeah. [00:34:24] Joe: God. It just, but sometimes the memory, just the memory of of these places is what totally makes the place. [00:34:31] OG: Have you guys ever had that where you have a memory of something being really awesome? Yes. And then as an adult, you go back and you go, [00:34:37] Joe: oh, just happened. [00:34:41] Went to visit Cheryl’s uncle over Thanksgiving and we were back in East Lansing, Michigan. You remember in East [00:34:46] OG: Lansing? And you’re like, [00:34:47] Doug: huh? As soon as you crossed into the city limits, as soon as you [00:34:51] Joe: got into the, [00:34:52] OG: the general area, you’re like, oh, this is gross. [00:34:55] Joe: I asked for that. Was this smell always here? [00:34:57] I had to keep talking. I shouldn’t have paused. Now I know why they call it mo you. Why do we [00:35:04] Well, that’s, that’s another joke that I will not share. Yeah. It’s a different reason, not about East Lansing. So we’re sitting with Cheryl’s uncle and Cheryl’s like, you know where I haven’t been since we went to college? Harrison Roadhouse, like, this would be great. Let’s go back to Harrison Roadhouse. Hit it. [00:35:17] aftershow: Yeah. That [00:35:18] Joe: awesome. I remember people would take their parents there. Like I remember my parents would come visit and we’d go to Harrison Roadhouse, man. Cheryl’s uncle and she and I walking into Harrison Roadhouse, that place just wreaked of old beer, like just for the last, it’s [00:35:33] OG: like a, it’s like a 60-year-old frat house. [00:35:35] Joe: It totally was like every day. For the past 60 years, people have been spilling beer at Harrison Roadhouse all over the place, late at night. I remember just the whole time I’m in there, I’m like, oh God. And then the stuff they brought me that was just greasy [00:35:50] OG: crap. We did that in Ann Arbor. We went to Pizza House, which was always a favorite. [00:35:54] Ann Arbor. And it was, it, it delivered again. I was like, okay, I remember this place being good and let’s, let’s see how the, how the Chicken Ranch sandwiches. And it was, uh, it was as good as I remember, but, but there’s been other places that not quite. Not quite the same. [00:36:09] Joe: Yeah, I remember, uh, we, we would always get Bell’s pizza at 2:00 AM right? [00:36:14] Yeah. The bar closes. You go get Bell’s pizza. And I remember one time, even as a college student, I went to Bell’s Pizza in the middle of the day and I get this thing, I’m like, I actually ate this. But, but at 2:00 AM you’re like, oh my God, that’s great. That’s fantastic. You get it at two in the afternoon and there’s just this layer of grease that you can see shimmering on the top. [00:36:35] Oh, it’s horrible. No offense [00:36:36] OG: to the fine folks at Harrison’s Roadhouse or Bell’s Pizza accepting reservations now in your favorite app. [00:36:42] Joe: So many fine, but to your point, I should have left the memory alone. Yeah. ’cause I did remember Harrison Road did that with the travel [00:36:48] OG: location too. We went on vacation one time to a repeat place that we went when we were kids. [00:36:52] We’re like, this is awesome. They were like, this is not awesome. Just was not the same. [00:36:56] Joe: Yeah. I had the opposite experience. We went to Baroo, Wisconsin. I remember that place being just weird and fun. I was trying to talk my family to it. I’m like, no, it’s the Circus Museum in Baroo, Wisconsin. And, uh, the signs even faded along the highway. [00:37:09] It just looks, it totally looks like a roadside scam and you go there and it was every bit as good, OG as I remembered it. Yeah, like every bit as good. That place was so cool. If you ever get a chance to go to the Circus Museum in Baroo, Wisconsin. Stacker Allen lives there, by the way, who does credit card points? [00:37:26] He was on the show after he out himself one time. I was talking lovingly about baroo. All right, uh, how do we get on that topic? Like, wow, from TikTok, soft closed doors. Doors, loud doors, soft, closed [00:37:38] Doug: doors [00:37:39] Joe: to how [00:37:39] Doug: poor were you growing up [00:37:41] Joe: into memory land [00:37:42] Doug: to stupid. Pizza. [00:37:44] Joe: Cutting. Hey, let’s help a stacker in. [00:37:47] Need a stacker who said, you know what? I better call Saul. See hi in og. This is the part of the show where if you need help, you go to stacky Benjamins dot com slash voicemail and you can be as cool as Anna is who called us with this question. Hey Anna. [00:38:04] caller: Hi guys. I have a question regarding dual residency with different states. [00:38:09] I currently own my home in Minnesota and my parents will be coming back to it when they snowbird. So I also have a vehicle that is connected to this place. But I am moving to Maryland for work where I’ll also have a. And be renting there and be there most of the time. So I’m wondering about the implications with taxes and anything else that I should be aware of. [00:38:33] If you guys can help point me in the right direction or send me to a real professional, I’d appreciate it. Thanks. [00:38:38] Doug: Ouch. Well, why was that necessary? That little whip crack right at the end? Well, that [00:38:44] Joe: wasn’t, no, she’s, she’s not saying we’re not professionals. She’s saying people that deal with taxes, is there somebody that she should go to who is just a tax pro og? [00:38:54] What do you think about in a situation here? [00:38:57] OG: Well, it’s pretty clear that you are a resident of where you’re a resident. So if she’s living in Maryland and has a driver’s license in Maryland and is working in Maryland, then you’re a resident in Maryland. You know, that’s pretty straightforward. Your Maryland income, you know it’s not gonna be reported in Minnesota, and you know, you’ll file a Maryland tax return now. [00:39:19] However, if you have income in a different state, then you have to. File tax return in that state for that amount of income. And a great example of this is you think about all the professional athletes. If the basketball player from Minnesota goes and plays the team in DC or plays the team in New York, that portion of their income, that portion of that game check is attributable to working in New York or working in Phoenix or working in wherever. [00:39:49] Those people, professional athletes in particular, they file taxes across the entire country. Yeah. And some of them across the entire world. You know, you go work, you know, you have a NBA team in Canada, or Yeah. They [00:40:01] Doug: don’t, they have people that do it for them. Right. [00:40:03] OG: You know what I mean? They’re sign and tax returns. [00:40:04] But, so as long as there’s no income in Minnesota, then you’re fine. And really the litmus test, not litmus test here, but the, the number is the 180 days. It’s where do you spend more than half the year? Even if you move throughout the year, let’s say that new job in in Maryland doesn’t start until may. [00:40:24] You’re gonna file two tax returns this year. One for the time that you lived and worked in Minnesota and earned income there, and one for the time that you lived and worked in Maryland and, and your CPA. Or if you do it on your own and on TurboTax or something like that, we’ll actually ask you where did you live and work and what days did you move? [00:40:40] And you’ll say, well, I lived in Minnesota from this day to this day. I lived in, you know, Maryland from this day to this day. And then that gets apportioned appropriately with that. So. There’s no complexity to having property in different states or, or that sort of thing if you end up with income in different states. [00:40:57] So let’s say for example, that you keep your home and you Airbnb it now, now you have income in Minnesota, and so Minnesota’s gonna want their cut. You’ll also have to claim that income in Maryland, but then your CPA will offset it for the fact that you, uh, have already claimed it in Minnesota. So. Little complexity. [00:41:19] Any CPA at, I mean, not probably any of them, but 90% of ’em should be able to work through this pretty quickly. Enrolled agents are another good example, probably DIY, this on TurboTax. You know, if you can follow the prompts pretty well, I’m sure they’ll walk you through that as well. But if you want extra, an extra, uh, layer of protection. [00:41:36] Get a CPA in Maryland and they’ll be able to walk you through it. But, uh, big bag of nothing. Easy peasy, lemon squeezy, [00:41:43] Doug: og. Is it worth looking into how homesteading in either, ’cause I think both Minnesota and Maryland are homestead states. Does that have any impact on any of this? Well, she said she was gonna rent in [00:41:54] OG: Maryland, so. [00:41:55] Oh, did she? I missed that. Okay. Yeah. [00:41:57] Doug: Alright, [00:41:57] OG: now you’re not talking about income taxes, you’re talking about property taxes. As it relates to, that’s a secondary effect of moving and owning property in a different place, is, you know, the powers that be in Minnesota. Could realize that you are no longer a resident of Minnesota, and therefore if your state has higher tax rates for non-residents, right, which a lot of them do, you could end up with a little bit higher property tax bill. [00:42:22] But that’s not an income tax issue. That’s a, that’s a property tax issue. Maybe I [00:42:25] Doug: didn’t listen closely enough. I’m still reeling from what Joe put me through in the trivia, but I thought she was just looking in general, different financial things she should be concerned about or thinking about as she. [00:42:36] Starts to have dual residency. But I mean, that’s one of ’em. Even if she’s renting, if she’s spending over six months of her time in Maryland, the homestead thing in Minnesota could come into play, couldn’t it? [00:42:46] OG: From a property tech standpoint? Yeah. But there, I mean, there is no such thing as dual residency. [00:42:52] You’re a resident where you’re a resident. [00:42:54] Doug: Right. So it’s wherever you’re spend six months and a day, right? I mean, that’s, that’s where you’re a resident. [00:42:59] OG: Yes. I, I would also argue that if you moved on July 5th, but your new home is Maryland, because that’s where your job is and what, that’s your residency from an income tax standpoint, it will be prorated because you’ll have income in Minnesota, even if it’s the same company. [00:43:17] They’re gonna pay you differently too. They run it through the Maryland side of the equation and not the Minnesota side of the equation. Yeah. So, you know, it’s just important to keep good records on this. It’s just important to, you know, make sure if it is the same company they know you’re moving, make sure that they get your new address. [00:43:31] ’cause you wanna make sure you’re withholding, you know, your state income taxes in the right area, if your state has state income taxes. And yeah, there’s undoubtedly gonna be some, some downstream effects. Property taxes issues is an example as well. So. Nothing overly complicated though. Thanks for the question, Anna. [00:43:48] Or just call and ask a real professional, Anna, whatever you do, you [00:43:55] Doug: that guy spinning the sign out in front of the h and r block tax thing on the sidewalk. Yeah. And the little guy blow up arms guy. Yeah. With [00:44:01] OG: the guy that’s doing this [00:44:03] Doug: with the wavy arms. Yeah. Or dressed like the Statue of Liberty. [00:44:07] OG: Go get a real pro. [00:44:08] Like one of those guys. [00:44:11] Doug: Oh, [00:44:12] OG: she chose violence, not [00:44:13] Joe: me. Yeah, that’s an assassin. I don’t think she did. I think you interpreted it that way. But hey Anna, thanks for calling. Wow. I hope you feel mighty proud of yourself, young lady. Anna, I’m sending you a shirt. Just have to put up with all that from these guys. [00:44:28] Stacking Benjamins dot com slash voicemail. Hopefully we can help you avoid some taxes as well. That I think covers it for today. Doug. We got anything on the [00:44:38] Doug: back porch today? Well, we can remind everybody about the single best, uh, meetup of the year. No, I heard it’s heavenly. It is going to be heavenly. [00:44:48] That’s right. OG and I and the fin turn will be at Mcpe Tap Room in South Lake Tahoe, Wednesday night, the 19th of February from. Six until when OGs credit card gets maxed out, [00:45:04] OG: which is exactly at eight o’clock. Also the same time I have to go to bed. Oddly enough. [00:45:09] Doug: But no, because that’s, that’s gonna be on, I run on [00:45:11] OG: central time all the time, so eight Pacific is 10 central. [00:45:15] Turn into a pumpkin. I’m out. Oh [00:45:17] Doug: God. [00:45:19] OG: This is [00:45:19] Doug: gonna be fun. Somebody please come to provide the fun that OG will be sucking the life out of [00:45:27] Joe: from this trip. Stacky Benjamins dot com slash meetup. To meet up with Doug and if you get there early, it’ll be before OGs bedtime. And you might see him too, which would be great. [00:45:35] Maybe Doug, take it from here, man. Which should we have learned on today’s, uh, potpourri of Money Advice and Twinkies and Doors? And do I have to do this? ‘ [00:45:46] Doug: cause I don’t know what’s coming on this either. We had no idea. No. Hang me on to dry again. I you wrote this. Go. Okay, here we go. Well, Joe, here’s what we should have learned on today’s episode. [00:45:57] First, take some advice from our headline, how do you Stop a scam? Scan your utility bills from time to time. Freeze your credit and stay alert. By establishing a few good, healthy money systems, crooks are far less likely to find you as their next victim. Second, how are the doors in your house? Maybe having better doors is the true key to having more money. [00:46:21] It’s a theory. Could be a bad one, but the big lesson, don’t ask Joe’s mom about getting better doors. She’ll show you the door in a hurry. And by show you, I don’t mean Yeah, nevermind. [00:46:39] This show is the property of SB Podcast LLC, copyright 2025, 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. [00:47:00] 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. [00:48:10] aftershow: But the [00:48:10] Doug: big lesson, don’t ask Joe’s mom about getting better doors. She’ll show you the door in a hurry. And by show you, I don’t mean Yeah, nevermind. [00:48:22] Joe: She’ll show you the door in a hurry. She’ll show you the door. Yeah, I got it the first time, Joe. No, no, [00:48:29] Doug: dude. You like read it wrong. I don’t think so. I don’t. [00:48:33] She’ll show you the door in a hurry. [00:48:36] Joe: Yeah, that actually that emphasis was much better the second time. [00:48:39] Doug: That’s exactly the way I said it the first time. It [00:48:41] Joe: was not the way you said it the first time. Do the big lesson one more time. I hope we’re keeping this all in by the way. No, we’re not keeping this in. [00:48:50] Doug: Okay. 3, 2, 1, Steve, I’ll do it right for the second time. But the big lesson, don’t ask Joe’s mom about getting better doors. She’ll show you the door in a hurry and by show you. I don’t mean, yeah, nevermind. She’ll show you the door in a hurry. You want me to do it a third time? I just, I just capitalized it. [00:49:16] I see that. You want me to do it again? [00:49:19] OG: Clearly he does. [00:49:21] Doug: Unbelievable. I’m gonna this up on purpose. 3, 2, 1. But the big lesson, don’t ask Joe Smile. I can’t do it. I swear to God, you’re just messing with me. This is ridiculous. Steve. Steve, that’s our after show.
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