If disaster struck tomorrow, would your financial essentials be ready to grab and go? Today, Joe—along with contributors Paula Pant from Afford Anything, Jesse Cramer from Personal Finance for Long-Term Investors, and our resident expert OG—assemble the ultimate financial go bag. Meanwhile, Doug handles his usual duties as announcer, trivia master, and general chaos instigator.
- The must-have documents – Passports, Social Security cards, insurance policies… what belongs in your bag, and what can stay in the filing cabinet?
- Cash vs. digital access – How much should you keep in physical cash? And is gold really a smart emergency asset, or just a really heavy way to slow yourself down?
- Estate planning and emergency preparedness – The financial moves today that can make a crisis less stressful later.
- Password managers: genius or a liability? – We debate whether your digital keys should be stored in the cloud, on paper, or tattooed in invisible ink.
- Trivia showdown: Doug tests the team’s knowledge with a question that (probably) has nothing to do with financial preparedness.
- Campus co-op stores and Harvard history—why are we talking about this? You’ll find out.
If you’ve been meaning to get your financial house in order for emergencies, this episode has everything you need to build your own financial go bag—without overpacking.
Watch On Our YouTube Channel:
Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201
Enjoy!
Our Topic: What are the essentials for a true emergency?
What’s a ‘financial go bag?’ How to be ready when disaster strikes (USA Today)
During our conversation, you’ll hear us mention:
- Defining a financial go bag
- The inspiration
- Cash reserves
- Importance of liquidity
- Emergency documentation
- Digital access
- Backup identification
- Health insurance & medical records
- Gold & precious metals
- Evacuation strategies
- Essential contact information
- Power sources
- Emergency planning for couples
- Estate planning essentials
- Survival priorities
- Fire drills & preparedness
- Online security
- Grid-down scenarios
- Backup keys
- Zombies & catastrophes
- Bartering & currency alternatives
- Emotional preparedness
- Communication plans
- Common mistakes
- Lessons from past disasters
Our Contributors
A big thanks to our contributors! You can check out more links for our guests below.
Jesse Cramer
Another thanks to Jesse Cramer for joining our contributors this week! Hear more from Jesse on his show, Personal Finance for Long-Term Investors at Personal Finance for Long-Term Investors – The Best Interest Podcast – Apple Podcasts.
Learn how you can work with Jesse by visiting The Best Interest – Invest in Knowledge.
Paula Pant
Check Out Paula’s site and amazing podcast: AffordAnything.com
Follow Paula on Twitter: @AffordAnything
OG
For more on OG and his firm’s page, click here.
Doug’s Game Show Trivia
- Harvard opened the first ever college co-op store on their campus…in what year?
Mentioned in today’s show
- Password managers.
- Important documents.
Join Us on Monday!
Tune in on Monday as we kick off our first Greatest Hits Week of 2025.
Miss our last show? Check it out here: Navigating the Insurance Maze (SB1649).
Written by: Kevin Bailey
Episode transcript
[00:00:00] bit: Ignition sequence starts 6, 5, 4, 3, 2, 1, 0. All engine running lift off. [00:00:17] Doug: Live from the basement of the YouTube headquarters. It’s the Stacking Benjamin Show. [00:00:32] I’m Joe’s mom’s neighbor, Doug, in between forest fires and hurricanes, and Joe’s mom nagging about taking the garbage out. It feels like there’s an emergency every minute. So here’s the question. What should be in your financial go bag? We’ll ask our round table on today’s show, bud. Wait, there’s more at the halfway point. [00:00:55] We’ll all revel in the brilliance of my trivia question for this week’s edition of our year long trivia competition. And now a guy who loves long walks on the beach and low interest rates on his mortgage. It’s Joe Saul-Sehy, [00:01:14] Joe: who doesn’t love both of those things. Hey everybody. Welcome back to the Stacky Benjamin Show. [00:01:19] I am Joe Saul Cihi. Thanks a ton, Doug. We’ve got a brilliant team ready to talk about this. Brilliant. Topic today. You know how well, I know it’s brilliant. Og you wanna know why it’s brilliant. [00:01:32] OG: Uh, I just, I don’t even know what topic it is, so I’m sure it’s great. You, of course, you know [00:01:36] Joe: it. I haven’t done any my homework. [00:01:38] Dunno what, it’s, haven’t done any my homework. I’m doing it right now as we speak. It is brilliant ’cause a brilliant person picked it. That’s why ah, financial go bag today. [00:01:46] Paula: Speaking [00:01:47] Joe: of brilliant Paula Pam from Afford Anything is here. How are you? [00:01:50] Paula: Ah, well th thank you Joe. I’m, I’m doing great and I love the topic. [00:01:53] I once literally did have a go bagg. Um, never needed to use it, but it’s nice to know you’ve got, you got a little thing. [00:02:01] Joe: Well, and I’m glad you brought that up that you didn’t have to use it because I don’t know anybody sitting around go. People would always say this when we’d talk about long-term care insurance. [00:02:09] So, gee, you probably had this before too. Or disability coverage. They’re like, so how much is long-term care insurance? And of course you tell them what the basic premiums kind of run and they go, oh, but what if I never use it? I’m like, wait a minute. Are you sitting around? Man, I hope I get to go into a nursing home someday. [00:02:25] Like, you know, it would be awesome. If I have a catastrophic illness, this would be great. So thank goodness you didn’t have to use your financial go bag. ’cause that means bad things happen in Paul Pan’s life. [00:02:35] Paula: Right? Yeah. You know, that’s the thing about in any type of insurance is insurance is the thing that you buy that you hope you never have to use. [00:02:42] Right. [00:02:43] Joe: I hope I flush my cash down the toilet. [00:02:45] Paula: Yeah. I mean, and that’s. Health insurance, homeowners insurance, car insurance. You hope to never have to use any of it. [00:02:51] Joe: Absolutely. And a guy who has a podcast with a brand new name, Jesse Kramer’s back. How are you my friend? [00:02:59] Jesse: What’s the western like? The man with no name. [00:03:02] Isn’t that a thing? Isn’t that like a famous western? The some cowboy movie about the guy with no name. I’ve got the podcast with a new name. [00:03:08] Joe: Yes. And the new name is drum roll again for people that missed it last [00:03:11] Jesse: week. The blog is still called The Best Interest, and the podcast, though is now called Personal Finance for Long-Term Investors, [00:03:20] Joe: personal Finance. [00:03:21] Rolling all that. SEO wrapped up in one name. [00:03:23] Jesse: Oh my gosh, so much. SEOI. I just, it’s incredible. We’ll see. Have you seen the [00:03:26] Joe: big bump? The big bump? [00:03:28] Jesse: Not yet. Not yet. No. Maybe someday. I, I don’t know. I don’t know how quick, uh, Google’s turnaround time is, but That’s okay. [00:03:34] Joe: Do you have a financial, go back, Jesse. [00:03:36] Jesse: Uh, not quite actually reading or doing some of the prep for today’s conversation was useful. [00:03:42] My, uh, my wife and I, are we on the same page when it comes to our financial go bag? Oh, probably not. I would say that ours needs some work. [00:03:49] Joe: That’s good. If you’re in a relationship, there’s another layer I. Maybe another meeting with pancakes or wine where you talk about your financial. What could be more romantic though, Jesse, than pancakes or wine and your financial Go Bagg. [00:04:01] Well, we got Paula here. We got Jesse here, we got OG here, and we are diving into what should be in your little emergency. Go Bagg. But before we get to that, we have got a couple of sponsors to make sure this is free so we can keep on keeping on and you don’t have to pay for any of this goodness, every Friday and Monday, Wednesday. [00:04:17] So let’s hear from them. And then it’s financial goba time. [00:04:28] The inspiration for today’s piece comes to us. Well, the inspiration for this, this today’s episode comes from this piece. If only I knew the English language better, I would’ve said that correctly. [00:04:40] OG: Taking lemons outta lemonade again, Joe, [00:04:42] Joe: I did say that on Wednesday, Paula, we are making lemons outta lemonade. [00:04:47] Like what? What? Huh? Not sure how that works. [00:04:50] Paula: Making melons out of Melan aid. [00:04:54] Joe: Andrea Requi writes this at USA today. What’s a financial go bag? Everything you need for your money when disaster rights. You know what? We’ll fill in. Andrea’s picks later on, but, oh gee. Let’s start with you. The very first thing that goes in this financial man, we’re having an emergency. [00:05:10] What goes in the bag first? If you’re in the OG family? [00:05:12] OG: Just for clarification purposes, do we mean a literal financial go bagg? Like are we taking it in the context of yes, there’s literally an emergency like the folks in la my house is gonna burn down in an hour. I need to go right now and this is the money stuff that I have to deal with. [00:05:28] Joe: I’m glad that you, is that what that og Let’s define that not just for you, but for all of our stackers. ’cause maybe they’ve got the same question. She begins by saying the wildfires devastating parts of Southern California. Those were a grim reminder. You should have a go bagit ready with everything you need to survive a few days outside your home. [00:05:44] OG: Okay, so in context with the go bag, it’s the, what part of that kit is money related is your question? That’s right. We keep a fair amount of cash at home, so I would say cash. I mean, I’ve kind of got two right away that I wanna say. Well, let’s just do one and we’ll come back to you. I wanna do two. I’ve got a whole bunch actually. [00:06:04] But yeah, the easy one is cash. You know, monetary something I want. I want, you know, my wallet. I gotta take my cash. I got credit cards. I’m not taking ’em all. I just got what I got my wallet. That’ll be good enough. [00:06:16] Joe: Well, in assuming Jesse, that you agree with og, but how much cash do you think is the amount to keep ready? [00:06:24] ’cause you know, all that cash sitting there earning absolutely nothing until that emergency hits just sitting there. [00:06:32] Jesse: The way you framed that question, Joe, I think most of our stackers should probably accept that there’s always gonna be some sort of cash that is sitting there, not optimized. I mean, the whole purpose of having an emergency fund that cash is not going to be optimally invested for the long run. [00:06:47] The odds are you’re never gonna really touch that emergency fund or really tap into it. You’re gonna be losing ground. In hindsight. You’re going to have recognized that you lost ground. It goes back to what Paula said earlier, which is like a lot of these things, we pay all these insurance premiums hoping that it’s wasted money. [00:07:04] That’s the point. This cash that’s sitting there in or go bag is gonna be the same exact way. Okay, so how, how much cash would I assume there in the go bag? I don’t know, three or four days worth? A week’s worth. Enough to get me to the other side when I can tap back into my bank accounts to when I make sure that I have a credit card that can cover my expenses. [00:07:25] Something like that. [00:07:26] Joe: Jesse’s like, what’s a big can of Cult 45 cost [00:07:30] Jesse: about that much because that’s that about three 50 couple tall boys and a, that’s what I, Dr. Pepper, go back. [00:07:38] Joe: What if the liquor store is not accepting my credit card? I gotta make sure I get that right. For you and the baby, [00:07:46] Jesse: right? Stackers anonymous. [00:07:47] OG: Honestly, when it comes to something like that, I mean, if there’s some sort of major catastrophe that you’re getting out of the way, right? You’re getting out of town, there’s some. What was that movie? 2012 or something where there was like the big earthquake and John Cusack driving the limo and trying to escape. [00:08:06] Oh, I forgot about that movie. Yeah, that was so great. I mean, it was critically acclaimed. How could you not? That’s right. How could you not? How could that not be top of mind? [00:08:13] Joe: I remember seeing that movie OG and just thinking that was the biggest waste of two hours. [00:08:17] OG: Wow. That was a waste of two hours. Yeah. [00:08:20] You know, it’s Armageddon. There’s an asteroid it, I’m thinking like. You’re going. Yeah. You’re not hanging around the next town over going, I wonder what’s gonna happen. This is, I’m going, you just gotta get far enough out of the, out of the blast radius, right? Like before your credit card start working again. [00:08:37] So you need cash to fill up the car. You need cash to buy food even if you have to round up, right? I can’t get in the cash register. I can’t. It’s like, cool. Here’s a hundred. Like is that, are we good with, you know, I’m gonna fill up the car and I’m gonna take some snacks and I’m gonna give you a hundred dollars bill and off we go. [00:08:53] The great thing about our country is you just need to drive a half a day and you’re still in the same economy, right? You’re still same money, same system, same language, all that stuff. So it doesn’t have to be a ton, but I remember watching a YouTube video of a guy said, anywhere in the world, a hundred dollars US will get you just about anything you need in the US $200 US will get you just about anything you need. [00:09:19] Like if you could slide somebody a hundred bucks and you’re in wherever in the world and you need something. A hundred dollars US might get it done. And in inside of the US you know, you’re trying to get a guy to take you somewhere. The Uber’s, you like, look here, I got, I got a couple hundred bucks. Can you get me to the other side of town? [00:09:35] Like, you know, like, I need to get outta here, [00:09:37] Joe: but let’s talk about, you know, ’cause there’s some people, you know, doomsday hits, right? We’ve had guest on, oh gee, you said this before. That, uh, gold not really a part of your portfolio, but we’ve also said over and over that gold is a store of value If something happens where the currency is going by, by Paula, do you keep any, would you keep any gold in your or precious metals in your financial go bag? [00:10:01] Paula: Absolutely not. No way heavy. Honestly, the most important thing, ’cause we live in such a digital age, I think the most important thing is to make sure that you have. Your master password, the one that unlocks your password manager. Uh, make sure that you have that either in your brain or on some secure piece of paper and have the device that you use for two-factor authentication. [00:10:27] Joe: What if something’s happened to the grid? [00:10:29] Paula: Yeah, that’s what the is for. If something’s happened to the grid, then you’ve got, you need cash and frankly, you need some form of physical protection. Because those are the two things that are going to Yeah, exactly. [00:10:41] Joe: You can take me anywhere you need Paula. People not watching the video have no idea that OG just, uh, gave us the guns, so that’s all he needs. [00:10:49] Paula: Meaning the biceps come and get ‘ [00:10:51] Joe: em, meaning the biceps. Yeah. Yeah. They might even know what guns we’re talking about. Oh, that’s true. [00:10:55] Paula: Yeah. So you need some form of physical protection and then you need some cash. And so if, if the digital or electronic system is down, those are the two things that will get you through to the next day. [00:11:06] Beyond that, you need two factor authentication so you can get into all of your accounts digitally. [00:11:11] Joe: So we’ve got Paula’s answer, we’ve got OGs answer for two of the first things. Jesse, what goes into your go Bagg immediately? [00:11:20] Jesse: Passport driver’s license, social security card, or copies of all those things. [00:11:24] Identification would be probably something at the top of my list for a go bag and just in general. Hearing Paul as an OGs? Answers or just hearing the framing of your question, Joe? I don’t know. I, I think there are some emergencies like, okay, if there’s an emergency where the electrical grid is down and my credit cards don’t work again and Right, and two factor doesn’t matter because I can’t log into anything that’s a particular type of emergency where, boy, it’s pretty hard to fathom how bad that is. [00:11:58] Does that make sense? Sure. As opposed to say, yes, the wildfires were terrible. People who lost houses were terrible. But like there is a future for them. And also it was like a localized scenario. It was a scenario they had to physically remove themselves from. But I’m just saying like, if, if we’re talking about OGs talking about blast radii, if we’re talking about escaping from the, the asteroid and then the entire electrical grid is down. [00:12:23] Okay. Or the [00:12:24] Joe: zombies. The zombies. Don’t forget the zombies, right? [00:12:27] Jesse: Like we’re, we’re in a little bit of a worse place. I think the world, this is pretty bad. The world. Another great movie, Brad Pitt. Right. Brad Pitt’s knocking on my door telling me I need to take the antivirus. Is a pistol gonna save me? [00:12:39] Should you take an antivirus? If Brad Pitt’s the one telling you to do it [00:12:43] OG: at your door, [00:12:44] Jesse: I think there’s some worse celebrity endorsers of vaccines in this world. Oh gee, just, just say it. [00:12:50] OG: I like He’s literally at your door. I’d be like. Oh boy, where are we? [00:12:54] Joe: Yeah, true story. Paula is a number two thing In her go bag behind the, the password manager was Brad Pitt that you, you, Brad Pitt in your financial go bag, right Paula? [00:13:03] Paula: Absolutely. In fact, a little, I carry a Brad Pitt bobblehead with me at at all times, wherever you go. Also one for Bradley Cooper, just to give [00:13:11] OG: you affirmation. [00:13:13] Joe: Yeah. Either in a pitch, you know, if you get tired of Cooper, then just go with Pitt. Right. It’s funny, Jesse, because I’d never thought about all those photocopies, but Andrea has this in her list on USA today as well. [00:13:25] For things you usually keep in your wallet, like a driver’s license, make a photocopy for your go bag. Is there a situation, by the way, that if you lose your credit card, that any institutions would take a photocopy of a credit card? I don’t think so. You’d have to have the actual card, wouldn’t you? I mean, [00:13:38] Jesse: apple Pay. [00:13:40] I can buy stuff on Amazon without having my actual card with me. I don’t know A good [00:13:44] Joe: point. Yeah, that is a good point. If I go to the [00:13:46] Jesse: grocery store right now and I just plug in my credit card number and the CVV and I, I think they would accept it. [00:13:53] Paula: Mm-hmm. [00:13:53] Jesse: I don’t know. Not sure though if you know it all. [00:13:55] Can [00:13:55] OG: you rattle off all correct. 19 of those digits, but you [00:13:58] Paula: don’t need a photocopy. You just need a password manager. I mean, what? What is a photocopy? It is a piece of paper with information on it. [00:14:04] No, [00:14:05] Jesse: no, I understand. But you mean I could [00:14:06] Paula: do that online? Yeah, A password [00:14:08] Jesse: manager. I mean, some of these scenarios though, it’s like are you gonna log into your Sure Password manager with. [00:14:14] The grid down and electricity not working and not working, but the copy of your [00:14:17] Joe: driver’s license, which is an official document or your passport, like we always, when we travel internationally, we always have a copy of our passport. Yeah. Yeah. Well [00:14:26] Paula: that makes sense. ’cause if the grid is down, then credit card processing would also be down, right? [00:14:31] So if the grid is down and you can’t access a password manager, then a, you also wouldn’t be able to use a credit card. So that part I don’t quite get. But yeah, in terms of having id, that’s just what you need in order to like get through Borders [00:14:46] Joe: og. What else would be in your financial go bag? [00:14:48] OG: Yeah, I think a little less catastrophic kind of off the zombies and back to reality. [00:14:53] Maybe we just have to, you know, whatever. I wanna take our health insurance information. Maybe that’s a card, or maybe it’s, you know, stored electronically or whatever. And any health records that you can have electronically. I, again, you’re not gonna take your whole big file folder with you. Back to Paula’s thing. [00:15:10] But have access to that. I think a lot of people don’t know that you can have all these records, right? Your doctor has all these notes on you and all this other sort of stuff of, and, and just kind of broadness of health stuff, but like your prescriptions and your, you know, like your things that you need, especially if it’s, I. [00:15:26] Life or death type of things. I, I want to have official documentation so that when I show up in the next town, I can go to the hospital or whatever and go here. I don’t have to go through the whole, all the process of like, do you really need this high blood pressure medicine? Like, yeah, dude. Also, I just escaped, so now I definitely need it ’cause it’s even higher. [00:15:45] Blood pressure’s even higher now. Yeah. I mean it’s just one less thing to have to start over from if you’re literally starting over somewhere else. All your stuff’s gone. Just a digital copy of that sort of stuff. [00:15:57] Joe: And if you keep asking me, my blood pressure’s gonna get even higher. Yes. Paula, what’s another one that you need? [00:16:04] Paula: Honestly, my go bagg is gonna be pretty simple. It’s cash, it’s two-factor authentication. It’s which is phone. I’d have my laptop with me and all of the various chargers, although if there is no electricity, that presents a problem. I would have in the event that there is no potable drinking water. I would have one of those UV sticks that can clear Giardia and other types of bacteria out of water so that you can take stream water and make it drinkable. [00:16:34] But that’s not a financial go bagg, that’s just a, [00:16:37] Joe: that’s just part of your overall go bagg. [00:16:39] Paula: Yeah, that’s an overall go Bagg thing. Same with grapefruit seed extract. You can put some of that in water and that makes it a little bit more drinkable when you suspect that you’re drinking contaminated water. I mean, those would be the main things. [00:16:50] Joe: We took what looks like just a regular water bottle, but it’s called a gravis where it will filter your drinking water, just like Paula, what you’re talking about. But, so I can use it just as a regular water bottle or I can pull out the filter system, pour water in the bottom, and then slowly squeeze it through the filter. [00:17:08] And it was amazing even trying this out. We went hiking up near Hot Springs just a couple hours from our house. And I’m putting this thing in this stream in Hot Springs that even when I’m in the middle of the United States. I was still really creeped out. I was like, oh my God, I, I’m gonna drink this. And then, you know, I let the requisite time, like 10 minutes go by and I take my first drink and it was, it was awesome. [00:17:31] And then we used it in Nepal when we were hiking and used it Ah, nice. Use it fairly often when we just go, you know, to a place and we want to carry water, I can now get water from wherever I, I want that, that was well worth the price. Yeah. Jesse, what else is in your bag? [00:17:44] Jesse: Well, I guess I’ll answer your question first and then I’ll go back to expound on some other ideas. [00:17:49] How about estate planning documents? I don’t know, is that really a financial go bag? Is that an emergency thing? I’m not exactly sure, but you know, will power of attorney healthcare proxy or having copies of those could be potentially useful in some sort of go bag type scenario where someone, either me or someone in my family might, you know, kick the bucket as it were. [00:18:09] You might wanna have some estate planning documents, but again, all these answers I think beg an important question. That all of us need to answer for ourselves out there, which is like, which threshold of emergency are we just gonna shrug our shoulders and be like, you know what? I had a good run. I, I couldn’t prepare for everything. [00:18:27] And this one, we, we all gotta die somehow. You know what I mean? Like, as an example, thinking back to all the answers today that have to do with like, digital reclamation of files or like a backup credit card or, or two factor authentication, or I’m, I’m gonna take my cell phone with me. If we reach a scenario where the electrical grid is just down forever, which by the way, if you’re unfamiliar with, uh, some of the coronal, mass ejections that our son gives off, it’s like just Google listeners. [00:18:54] It’s the. The Barrington event. The Warrington event. Okay. I’ll come back with it. I’ll, if you need [00:18:59] Joe: something to worry about. Correct? Correct. I [00:19:01] Jesse: know all I’m saying. You know, if you need something else, which I’m sure we [00:19:03] Joe: all need, I wake up every day, Jesse, and I go, you know what? I don’t have enough to [00:19:06] OG: worry about. [00:19:06] There’s about, there was an asteroid coming the day after my birthday in 2031 or something. [00:19:09] Jesse: Uhhuh. I, I know, I know. I get it. I’m the bear of bad news here. But all I’m saying is that there are some events out there. There are many events out there that I am simply not prepared for, and if those events happen. [00:19:20] I’m gonna be screwed. [00:19:22] OG: Jesse’s, like I’ve had a good run. [00:19:24] Jesse: Do I have a bunker in my backyard that’s 40 feet deep with a year’s worth of food just in case my family and I need to, you know, wait it out. No, I’m not prepared for that. And, and that’s gonna be one of those events that just gets me and I think it is actually worth thinking about. [00:19:38] If you’re putting your go back together, figuring out which kind of events you’re just gonna shrug your shoulders at and say, whatever, [00:19:44] Joe: where [00:19:44] Jesse: does it [00:19:45] Joe: end? [00:19:45] OG: Let go and let God. Yeah. [00:19:48] Joe: I had one of those incidents a couple weeks ago, a mile and a half from my house is Andy’s ice cream, and it was unexpectedly closed. [00:19:54] I. And I’m like, well, it was a good run. It was. Yep. I guess I’m done. Yep. I didn’t have that in my repertoire. What to do if Andy’s closes? Andy’s, if you wanna sponsor the show, I’d be so happy if Andy sponsored the show and I would, I would have so many problems with my sugar levels. It would be just absolutely rotten. [00:20:13] Anybody have any other ones that you’re thinking of that go in the go bag? Paula seems like it’s pretty clean. Jesse’s. Jesse’s decided that he’s gonna be the first person to die in this movie. [00:20:23] OG: Exactly, exactly. Og, [00:20:24] Joe: anything else going in yours? [00:20:26] OG: I mean, somebody had this on the live chat, but this is one of the ones that I was gonna go with too, is a solar charger. [00:20:32] Like there’s battery chargers now. I just bought two of ’em because I do the, um. The stuff for the kids’ baseball video and, you know, whatever. And, uh, it dawned on me that most of the games are mostly at night. So I dunno that the solar charger thing was really worth it, but, but it’s just a regular, you know, rechargeable battery pack that I can plug the camera into. [00:20:51] And the whole top of it is solar regenerated, I guess. But I don’t have any idea how fast or slowly it works, but it’s gotta be better than me creating my own energy source, however the hell I would get around doing that. So some sort of. Energy, battery, power of some kind I think will be helpful. And back to what Jesse said, at the end of the day, like there’s some of these catastrophes, like asteroids and zombies and whatever, where it’s just like either A, it’s been a good run, or all the stuff you really need is likely to be. [00:21:24] Guns and bullets and seeds and the knowledge to butcher a wild animal. You know, like that’s gonna be base a knife, fire, shelter, you know, those sorts of things. It’s like it’s not gonna matter if you have a. Amex black card with an unlimited, you’re like, but this gets me into the Centurion lounge. Like, great, but do you have a rabbit with you? [00:21:51] Because we, you know, or whatever. It’s like, we can’t give you any, uh, gasoline for your travel, sir. But I don’t know, I don’t know how much of it’s, I think more broad based around like the stuff that the folks in LA went through. Is awful in the sense of their experience. We had a house fire when I was a kid and it was not like those guys had a lot of time to think about it, but they had a little bit more than we would’ve, but we were talking about it at home and it’s like, what if if there was a dam break and the rivers, you know, like you can’t grab the baby pictures fast enough. [00:22:25] You know what I mean? Like that’s the stuff that we care most about is those things. And to your point, Paula, so much of this stuff is electronic these days. It’s like. You know, I don’t really care if, if I lose my phone, I’ll just go to the Apple store and get a new one. And as long as iCloud still works, all my stuff’s on iCloud. [00:22:41] bit: Mm-hmm. [00:22:43] OG: Carrying a bunch of that stuff with you is pretty, pretty unimportant, I think, unless it’s the zombie apocalypse and you know, whatever. Otherwise, you can pretty much get to everything and then just hide behind Jesse and you’re good. Yeah, I don’t have to be the fastest, I just have to run faster than Jesse. [00:22:59] Exactly right. Outrun the bear. I just have to outrun Jesse, [00:23:02] Joe: in the second half of this, I wanna dive into a couple of your answers more and talk about what things you use for these. I also want to talk about a few of the ones Andrea mentioned. That, uh, you guys didn’t touch on, so we’ll do that in just a moment. [00:23:15] But at the halfway point of each Friday, Stacking Benjamins podcast, we have this year long trivia competition that we do between our three contributors, Paula, Jesse, and og. Well, guys, the score is really not as important as the fact of will Jesse get on the board this year? Will that happen this year? [00:23:37] And Paula is. Just amazed that somebody might be doing worse at trivia than she is. And February, this is our last February episode, and Paula’s not last. It’s almost [00:23:47] OG: March, bro. [00:23:50] Joe: Well, the year is young. The year is young and we started late. So the score right now is OG has three. Paula has won. Jesse trying to crack the scoreboard. [00:24:00] Will Jesse make it a tie for second? Can Paula challenge og? That would be interesting. At the end of this week. Well, all of these, except for of course, OG pulling further ahead, which would, uh, we, we’d need to find some way. To manufacture excitement like they did. What was that fight? That was the, the Tyson fight. [00:24:19] You know, they’re trying to Oh, the [00:24:20] Paula: Jake Paul. Mike Tyson fight. Jake Paul. [00:24:21] Joe: Mike Tyson. Like, let’s manufacture. Talk about the grid going down. [00:24:27] Paula: Yeah. Netflix was buffering. What was up with that? I know my buddy [00:24:31] Joe: had to go bag. It was called a phone with a signal that we could hook up to my TV to make it work. [00:24:35] It was amazing. My cable didn’t work. And yet the, uh, well not cable, but my, you know, my streaming service didn’t work, but my buddy’s phone streamed it for us, which was great. All right. Enough of that. Let’s, uh, dive into Doug. What is our trivia question today? I. [00:24:56] Doug: Hey there, stackers. I’m Joe’s mom’s neighbor, Doug, and on today’s mission to help you prepare, you might be thinking, I need to spend a little money getting all of this together, but don’t worry, your pal, Doug is here to rescue you yet again. Well, I, I don’t know what the last time was, but I’m sure I’ve probably saved your bacon in the past. [00:25:16] Right. Let’s get right down to it. When you’re hoping to save some money, there’s nothing like a co-op. That’s where institutions get together and share creating a kind of best of both worlds. Everyone can focus on what they’re best at and customers get a good price. Companies like REI have even taken the co-op to big commercial heights. [00:25:38] The first college co-op store opened at some little college named Harvard in. You thought I was gonna tell you what year they opened it? No, I’m not gonna because that’s today’s trivia question. In what year did Harvard open the first college co-op store? On today’s date, I’ll be back right after I see if Joe’s mom wants to co-op on the laundry. [00:26:03] All right. [00:26:04] Joe: OG Harvard, some school somewhere in the northeast, I think. Um, not sure. [00:26:12] bit: Hmm. [00:26:12] Joe: What year did they open their first co-op store? So it’s like an REI, is that what you’re saying? No, it’s like a student union kind of store. You know, where you get all the student stuff. I think most college campuses, uh, Michigan State had a co-op books and computers and Yeah. [00:26:29] Yeah. You can get your book, you can get your sweatshirts. You can get your, ah, okay. Yes. The school store. The school store. Like the spirit where Yeah, the school store run by run, like usually in most campuses it’s run by a co-op between a local business and the school [00:26:48] OG: uhhuh. Interesting. Um, you know, there’s a lot of stories about Grand Canyon University and the president, the guy who runs that now has turned a lot of that stuff into similar things. [00:27:00] Right. He. Got a Chick-fil-A franchise, did a bunch of real estate investing and like involved all the students in the rehab and the running and all that sort of stuff. So they get all this entrepreneurial experience. Maybe a similar thing as what you’re talking about. Uh, let’s see here. So Harvard was started in, um, like 1905, easily the oldest college around, no, Paula didn’t like that one. [00:27:24] 1,634 I believe. Um, take, took them a while. I don’t have any, I wasn’t gonna, I wasn’t [00:27:31] Joe: even gonna mention that. Faint right there until you called yourself out. I was like, wow. [00:27:36] OG: Wow. Yeah, that’s gamesmanship. I have a, not the foggiest idea. Um, 1880. I don’t know. I’m just picking a number. Beats me. 1880, [00:27:47] Joe: uh, Paula, what are you gonna do with that? [00:27:49] Paula: Ooh, I am so unused to guessing. Second, it’s uh, I mean, because strategically it’s completely different. Normally I’ve got two guesses and then I just, Chelsea Brennan, one of the answers, duh. [00:28:02] OG: It’s simple as if [00:28:03] Paula: now he’s anchored with 1880. So, [00:28:07] OG: but the school started in the 16 hundreds and it’s presently 2025. [00:28:14] Paula: I think the school started in the 17 hundreds. [00:28:17] OG: Okay. [00:28:18] Paula: Either way, I don’t think the co-op is anywhere near that old. I was actually thinking probably somewhere around the 19 hundreds. [00:28:26] OG: If it’s 1905, I’m gonna flip a lid. [00:28:31] Since I said that already, since I said that number, [00:28:34] Joe: there’s a big part of me that’s just hoping Jesse Kramer’s looking it up. [00:28:40] OG: He’s like November 9th, uh, 1741. I don’t know, just a wild guess. [00:28:47] Paula: So there are a couple of directions I could go with it. So part of me is thinking that it might be mid 19 hundreds, like you know, after the Great Depression. Maybe somewhere after the Great Depression, before World War ii. Like that feels like a good time to open up a school spirit store, doesn’t it? [00:29:08] Joe: First time there’s been a school spirit store. Rah, rah ri. [00:29:12] Paula: Yeah, [00:29:12] Joe: just waving the pendants. [00:29:13] Paula: Well, maybe a little before. ’cause you know the roaring Twi. I mean, maybe that, you know what I’m gonna go with? 19 [00:29:21] Joe: 11, 19 11. All right, Jesse, you got 1880 and 1911. What are you thinking? My friend? [00:29:30] Jesse: Both good guesses and if I had a blank slate, I was thinking early 19 hundreds, but this is where it just like, I don’t know, strategy and game theory come into play and I think I have to take the under and just hope that the date is somewhere in that wide range of dates. [00:29:46] So what was OGs was 1880. I think I’ll go 1879. [00:29:52] Joe: 1879 To take the fact that, uh, Harvard’s been around a good long time. [00:29:57] bit: Yeah, [00:29:58] Joe: well, all three of those guesses make sense to me. Well, OGs doesn’t because he, I think just threw a dart. But I certainly know where a Paula, Jesse, you guys are coming from. Uh, we will see. [00:30:09] We’ll be right back to see you wins this thing. [00:30:15] OG: I feel like I should have said 1801, just to give myself a little bit more room. I knew somebody was gonna just do one under. [00:30:23] Joe: Well, yeah, I mean, seeing the way that this game usually goes, I. Uh, but do you feel good with 1880? [00:30:30] OG: I don’t have the foggiest idea, [00:30:31] Joe: Paul, in 1911. You’re up there by yourself now ’cause Jesse had to choose. [00:30:36] Paula: Yeah, you know, I, I feel good about the fact that I’ve taken so much of the board. I have a, you know, I’ve captured the bulk of the upside. Well, and Jesse, you’ve got a lot of the other side. So [00:30:45] Jesse: I have, I’ve actually been in this store as well. Which I don’t know if the rest of our panel’s been in the store before. [00:30:51] Right. I’m trying to picture, you know what, they chiseled into that block of marble outside. I can’t remember, [00:30:57] Joe: not to brag, but I have been in the Harvard store before [00:31:01] Jesse: as a, as a tourist, just to be clear. Right. Not even as a prospective student. It’s like [00:31:05] OG: my grandpa used to have a coffee mug that says I played at the US Open. [00:31:09] Yeah. And in the, in the middle and really small writing, it’s at a harmonica. So Jesse’s got a coffee mug that says. I went to Harvard Store. Bookstore. [00:31:20] Joe: Bookstore, right? Yeah. That’s like the CrossFit joke, isn’t it? How do you know if somebody went to Harvard? They’ll tell you, right? Mm-hmm. How do you know if somebody’s been to the Harvard bookstore? [00:31:29] I. They’ll tell you. Sure. I played Pebble Beach golf course before. Og. Yeah, by the way, on Xbox. Uh, on my Xbox, yeah. All right, here we go. Uh, Doug, who’s gonna win this thing? [00:31:45] Doug: Hey there, stacker. I’m the guy who’s always cooperative and also the guy who likes to share laundry duty. Joe’s mom’s neighbor, Doug, in a gesture of friendship that’s sure to last about seven minutes here in the basement. Joe’s mom has agreed to split laundry duty. It’s great. She says if I take it down and load it, she’ll check it as it’s going to make sure everything’s still running. [00:32:09] Okay. Hey, I didn’t say it’s perfect, but it’s a start. Let’s put an end to today’s co-op trivia question, shall we? Harvard opened the first ever college co-op store on their campus in. 1882 Making O Jeep our winner. How? [00:32:32] Paula: Just how? [00:32:34] Joe: Just painful. [00:32:36] Paula: Just [00:32:36] Joe: how, oh, Jesse, when you said, you know what gamesmanship, I’m like, come on. [00:32:40] 1881. Come on. 1881. Squeeze right in there. Oh, that’s fantastic. 18. 82. Yeah. Nice job with the randomness. Well, let’s get back to something that where you guys have more expertise. Uh, we’re gonna lean on that. I wanna start off with Paula, with something that you said, talking about your password manager. Can we talk about password managers? [00:33:06] Yeah. Do you guys all use password managers? I know Paula, you do Jesse use one. [00:33:10] Jesse: I do LastPass, [00:33:12] Joe: NOG. Do you use the password manager? [00:33:14] OG: Yeah. I have a real, I have a notebook right here. Write ’em all in there. [00:33:18] bit: Perfect. It [00:33:20] OG: says top secret passwords on the front. Do not copy. So, no, [00:33:25] Joe: I, I go passwords and password. One, two, password. [00:33:27] One, two. Exclamation point, password. One, two. Exclamation point, exclamation point. Wait, [00:33:30] OG: how did you, [00:33:31] Joe: how [00:33:31] OG: did you [00:33:31] Joe: guess mine? Paula, which one do you use? [00:33:34] Paula: I’ve used a few. I used to use LastPass. I switched off of that. Went to one password. We also have a company account with, uh, bit [00:33:41] Joe: Warden. Let’s talk about the ones that you used, Jesse, LastPass. [00:33:44] Why’d you decide to use LastPass and how do you like it? [00:33:47] Jesse: Our company uses LastPass and so everybody gets an account and we can use that account for personal use as well. So that was the reason why I chose to use it, to be honest with that, was just ’cause it was free through work. Yeah, same. [00:33:58] Joe: LastPass has free and paid account, so I’m assuming they have a paid account like your, your company’s not going, Hey, everybody gets this for free, so we’re gonna call it a. [00:34:06] Uh, perk. Correct. We should do that in Stacking Benjamins, og. Yeah. Hey, everybody gets the free, [00:34:11] Jesse: I assume that our company is paying for a premium version. Yes. Yeah. But then as employees, I, I don’t pay for my own seat as an employee of the company. [00:34:20] Paula: Yeah, [00:34:20] Joe: right. [00:34:21] Paula: Paula, why did you leave Last Bath? They had a data breach. [00:34:25] In 2022, LastPass had a big, uh, security breach, and that inspired me to get off of LastPass. No offense, Jesse. Mm-hmm. So [00:34:35] Jesse: none [00:34:35] Joe: taken. It turned out, they found out what year Harvard. Had their first college spirit store. [00:34:40] Paula: Yeah. So they had a security breach. And so then I went to, uh, that was the year I was in grad school and I went to a lecture on cybersecurity and I went up to the lecturer afterwards and I said, Hey, have you heard about the last pass breach? [00:34:54] And he was like, yeah, of course. And I was like, what do you recommend? And so he just gave me a, a list of like various other password managers. And so I asked SUNY to pick one for the team, and so she picked Bit Warden and that became our, our company one. And then I needed one for myself, so I went with one password just ’cause I wanted to use something different so that we had a, a variety. [00:35:15] Joe: What’s the difference then between Bit Warden and the other one you use? [00:35:18] Paula: Not much. I mean, I’m, I’m sure in the technical specs there’s probably some difference, but from my experience as a user, it’s 6 0 1, half a dozen of the other, just different user interface. [00:35:27] Joe: Yeah. There’s no interface difference that you like one word versus the other better? [00:35:31] Paula: Uh, I mean, not notably. Yeah. I use, it doesn’t impact my quality of life. [00:35:36] Joe: Yeah. I use Dashlane, um mm-hmm. Which I pay for as well, and I like it a lot. I also like the move they made. It used to be app based and now even if my app is not working, I can, it’s web based, so I can now just go to a website on any computer. [00:35:51] You know, the preferably one that’s open where everybody can see my password joking, but it’s much more flexible now. [00:35:59] bit: Mm. [00:36:00] Joe: So I don’t know what that means data wise, but it certainly, it’s becoming easier to use all the time. Really. The functionality is pretty good. [00:36:08] Paula: There’s also Google Password Manager. [00:36:10] Which I have some redundancy in terms of like some stuff saved in a password manager, some stuff saved in Google, password Manager. And I’m actually trying to wean off of that because if somebody gets access to my email account, that would be horrible enough and I don’t want them to also have access to my passwords. [00:36:30] So that is actually one thing. That I’m trying to, uh, break away from is I’m slowly over time deleting passwords out of Google Password Manager. [00:36:37] Joe: I’ve noticed that through Apple and with Google the password managers and I try not to, not to do those too. I just, I, um, yeah, for all the reasons that you stated, I try not to use those. [00:36:48] ’cause I’m sure there’s gotta be people out there going, oh, I just use the Google password ban. I use Apple’s password ban. I’m like, I don’t, [00:36:54] Paula: I don’t know. Yeah. [00:36:55] Joe: Yeah. And don’t get me wrong, for stuff that I don’t care about, I will give it to Apple. So I just put my thumb on the thing. I’m like, really? If somebody’s, if somebody steals Myline board game registration. [00:37:07] Paula: Yeah. Yeah. I mean, if you want my Wordle account, sure. You know, [00:37:11] Joe: like. Oh my God, I’m losing a wordle every day. This, this horrible Russian hack is killing my score. Yeah, it’s, it’s rotten. Uh, og have you played with different, uh, password managers? I think [00:37:24] OG: that we did some years ago before we settled on the one that we used, which is also LastPass, by the way. [00:37:30] I don’t know how we picked it or why we picked it or why we stay with it. Somebody somewhere said, it’s fine. And that’s good enough for me. Some dude in Russia said, this is [00:37:39] Doug: great. Yeah. And he was like, before we [00:37:41] OG: go any further, you know your, your poor name is, the name is the street you grew up on and your mother’s maiden name. [00:37:48] Like really? It’s a weird name. Wow. But anyways, with the, the simplicity of it, and I too am frustrated with the fact that everything is like. Double like on your phone when you try to do it, like the native Apple version of it always wants to be the forefront, even though. You’re like, no, seriously. Last pass and then, yeah, every single time. [00:38:11] No, I’m just, I’m just to the point where I just recognize that that’s just part of the process. Part of the process has to be, it’s gonna be a little slower on the non Google native thing or the non Apple native thing, because they want it to have some friction so that I go, screw it, let’s just use Apple. [00:38:26] But um, for work stuff, it’s just so much easier to share passwords with the password manager and you don’t even have to share the password. You share access to the password, so then you can. Change it or, or remove the access whenever you need. [00:38:39] Joe: The second thing I wanted to talk about that she mentioned in the go bag is actually stuff like spare sets of keys. [00:38:47] So that if you end up leaving a house where it’s on fire and keys melt or things happen that you’ve got spare sets of keys to different properties that you own, I thought that was a good thing to have in your go Bagg. But the third thing is a big thing that when we had, uh, estate planning experts on our show, which is, it’s not in your go bagg per se, but as part of your emergency, somebody else that can get into your online stuff besides you. [00:39:12] You know what’s funny? I heard that a long time ago. I still don’t have that person. Cheryl knows and I know. But if something happens to both of us, everything’s stored on my phone and nobody knows my access code to my phone outside the two of us. Have you guys, have you guys dealt with that thought about that at all? [00:39:26] I mean before, Paula, [00:39:27] OG: isn’t yours, just password? One, two, exclamation, exclamation. [00:39:31] Joe: No, it’s, well, it’s a number sequence on my phone, right? Oh, so it’s just 1, 1, 1, 1. But who’s gonna guess that? Yeah, exactly. Right. But I thought that that’s really important to do. And I would, I would think though, and Paul, I’m gonna go back to you. [00:39:43] Mm-hmm. As you think about this, who, how would you think through who that would be, and how would you, if you didn’t wanna tell them the access to your phone, but you want them to know mm-hmm. How to get the access to your phone later, how would you. Set that up. [00:39:59] Paula: If I had an attorney that I was regularly working with, like if I had an estate planning attorney, or if I had, if there was any attorney that I was regularly working with and I had a, a recurring relationship with that person, that’s the person I would give it to. [00:40:12] Joe: Yeah. Jesse, have you thought about that or in your, the firm you work in? [00:40:16] Jesse: Definitely thought about it. Do I have it set up in my own life? No, I do not, but Right. It would probably be someone who’s like the executor, you know, I, I, that’s who I would think of is someone like the executor of your state, your trusted attorney. [00:40:29] Or for some people it’s either a trusted accountant or like a, a financial planner, like whoever that trusted outside advisor is in your life could probably be a good candidate for that. [00:40:39] Joe: Yeah. Oh gee. Have you, I’m sure clients dealing with this all the time. If anybody of our teams thought about this or is doing it, it might be you. [00:40:47] OG: Well, this is one of the things that I think is really overlooked in in an estate planning process overall, which is how do other people get access to the two factor authentication thing? Like Paula, you were talking about, if you get hit by a bus, how are you gonna get your phone to open? When your face is buried, you know, six feet under the dirt, you know, I’m not, yeah, I mean, for real, right? [00:41:11] So I thought you were [00:41:12] Paula: gonna say under the tires also face is buried under the tires. Also, you’ve got a [00:41:14] OG: tire track over it and it’s like, doesn’t recognize Yeah. Um, the other thing I can think of is to like literally have somebody else’s face, ID work for your phone, and that just assumes that that device is also still good. [00:41:26] Right? If you’re in an accident and the device is destroyed or something like that. Then, then what? Now you have to go get a new device, but how are you gonna log? You know, there’s a lot of layers to that. I, I think generally speaking, the two-factor authentication stuff you can bypass, not easily, but you can call Schwab and say, I don’t have that device anymore. [00:41:45] Grandpa died. What can we do to like access this and kind of proceed with the estate plan type of thing? They have protocols for it, but to your point, Paula, about the master password, like that needs to be somewhere so that somebody, mm-hmm. You know, whether it’s with your attorney written in code, in your estate plan, like every 15th letter. [00:42:03] My trust is my master pass. I dunno. It’s not But [00:42:07] Paula: that would be cool. Yeah. It’s a puzzle. Yeah, exactly. To have a cipher. That’s how [00:42:12] OG: Joe’s gonna do it. Like a game. It’s like a limerick. It’s a riddle. You have to solve to get [00:42:17] Joe: the password. We were talking about, uh, smoking jackets on Wednesday. Show og. I’ll be in a smoking jacket in a study with a pipe. [00:42:25] Yeah. And, and if you’re watching this VHS tape A, you found a VHS player and B, I’m dead. Yeah, exactly. So mm-hmm. Here’s the right, uh, I like what Aaron said and for people on YouTube, I just posted it, uh, for just a second. Aaron says, uh, hanging out with us live. Joe, you trust all of us stackers. Why not post your phone password here on YouTube so we can all be there for you when you need us? [00:42:50] Aaron’s a giver. So nice. Our stacker community, just willing to help anything that’s a mistake that you see. People, oftenly have often oftenly be oftenly. Most, [00:43:01] OG: most be oftenly, [00:43:02] Joe: most be oftenly. Have in their go Bagg like is there some I. Mistake. Jesse, you think played him for just about anything? It sounds like it’s a mistake. [00:43:14] Jesse: Yeah, I don’t, I don’t know. I mean, he [00:43:15] Joe: wishes he prepared for a blizzard, [00:43:16] Jesse: a shovel. Uh, should I have a shovel in my financial to go back? No. I mean, most be oftenly, I would suppose. It’s just that people are under prepared. I mean, you know what I mean? Like all you need to do is see the grocery store shelves at the slightest hint, like, you know, could all these stackers, you can hear, you can think of like what happened in Covid, like what the grocery stores looked like in Covid. [00:43:38] Now for us here in, in Rochester, somebody, [00:43:41] Joe: Jesse was gonna poop a lot during Covid. That [00:43:45] OG: was the funniest New York Times cartoon. I think it was the New York Times where it was like post-apocalyptic covid and aliens were coming down. I think we’ve talked about this, but the aliens are like surveying all the dead covid bodies and they’re like, we don’t get it. [00:43:57] Their asses are immaculate. [00:44:04] bit: They’re all dead, but they’re, but their asses are immaculate. [00:44:09] Jesse: On that note, I mean, related to No, uh, no, mostly oftenly, I would say People are just under prepared. So if someone takes what we talked about today and they kind of go to the other end of the spectrum and kind of dial it up too much. I don’t know. [00:44:22] I, I think there are worse things you could be doing with your time. [00:44:24] Joe: I think that might be the point here, Paula, is that just talking about this like a fire drill ahead of time mm-hmm. Is probably the worth the squeeze. [00:44:33] Paula: Yeah. It’s always the low probability, high magnitude events that you want to, uh, keep on the radar. [00:44:39] Joe: Spend just a, just a few moments on and, oh gee, I know you call this a fire drill in your practice, right? Isn’t it a fire drill or you call it something like that? [00:44:47] OG: Well, lifeboat drills, it’s more about the market going down, life, life, but um, but, but I was thinking about it like a fire drill. It just popped in my head that I bet the vast majority of people listening haven’t actually done a fire drill in their home. [00:44:58] And what I mean by that is put your kids in their bed, blindfold them and tell them to crawl outta the house. The house is on fire. You have to get out and just watch how it goes. ’cause that’s what it would be like. And. Something simple. We’re we’re talking about, oh my gosh, what if the zombies come? But like if your house is on fire, where’s the family meet? [00:45:20] Like where’s the meeting spot and how are we gonna know that everybody’s out? You know what I mean? Like something much more likely to happen, albeit still rare, but much more likely to happen. You know, something like that. Or some sort of weather event, a tornado. At the school, like what’s the process for you to know that your kids are good, or for your kids to know that you’re good? [00:45:41] Like just some sort of communication protocol with the, with obviously. Different ages, but you get the idea. [00:45:46] Joe: I love this idea. The Go Bagg. We’ll link to it on our show notes, stack you Benjamins dot com and I think that’s gonna, that’s gonna wrap up this exciting Friday. Let’s find out what all of you are doing. [00:45:57] Uh, well here this last week of February where you work. Paula, what’s happening at the Afford Anything Show? [00:46:04] Paula: On the Afford Anything show. Of course, every Tuesday you join us, Joe, for some great discussion for some answering questions. We also have an episode, uh, an interview with Scott Yama Mora in which we, we, this one is dedicated to beginners. [00:46:19] So if you are an absolute beginner and you want the basics. That episode airs at the end of February. We also did an interview with Sahil Bloom. He writes about the five types of wealth. He’s got a million readers to his newsletter, and that’s not hyperbole. Yeah, yeah. He has literally 1 million subscribers to his newsletter, so he’s a very, very well known writer. [00:46:40] Worked in private equity, made a lot of money at a very young age, and then, uh, walked away from it all so that he could be closer to his parents and spend more time with his 2-year-old son. So he writes about an expanded definition of wealth, and so he joins us to talk about that. [00:46:55] Joe: That’s all on The Afford Anything podcast, where a finer podcast r Finer, finer podcasts like Jesse Kramer’s new podcast, which is Personal Finance for Long-term Investors. [00:47:09] Jesse: That’s right. That’s right. I got it. Right. That’s incredible. That’s a first Joe. That’s a first. Jesse, [00:47:13] Joe: what’s happening at P-F-F-L-T? [00:47:19] Jesse: Exactly, exactly. We’ll work on the acronym. That’s okay. We’ll, we’ll figure something out. What’s going on. Uh, we recently had Chad Carson on the show to talk about, uh, you know, being the small but mighty real estate investor, real residential real estate investing. [00:47:32] Something I don’t spend a ton of time talking about. So it was good to to hear from Chad. I know Paul has been on the podcast before to talk about that topic, so always good to get a, a voice in there. And then, uh, the next episode coming out soon, ooh, is gonna be a deep dive on national debt. I feel like national debt is something that everybody understands to be this kind of, sort of looming problem. [00:47:52] But then we keep on going further into debt and we invest in debt through US bonds. So anyway, it was really interesting to put this episode together. Still not quite done yet, but uh, by the time people are listening to this, we’ll be, it’ll be coming out soon [00:48:06] Joe: and og last day of, uh, February. How are you celebrating? [00:48:10] Heading into March. [00:48:12] OG: 70 and sunny this week in, uh, the DFW area. So the bike tires are getting pumped up. We’re gonna go on a nice long bike ride this weekend. Couple long zone two rides, get that cardio going. Gotta get that Beachbody ready. I [00:48:25] Joe: thought you were gonna say you’re sending the kids on a long bike ride. [00:48:27] No, [00:48:27] OG: I sent me on a long bike ride. Send you sunny. [00:48:30] Joe: I’m sending the kids. I’m the Titans. [00:48:32] OG: Beachbody baby. That’s good. It’s Speedo don’t wear itself. [00:48:35] Joe: Like we said earlier in the week, pitchers and catchers already reported and we didn’t get the call. I can’t believe they didn’t. They didn’t call for us. So little disappointing. [00:48:43] Anyway, thanks everybody for hanging out with us on YouTube. If you wanna hang out with us on YouTube, join our Facebook group, the basement, Stacking Benjamins dot com slash basement, get you the link, and we will tell you like on a day like today, we’ll tell you maybe 45 minutes before we go live. We, we barely gave anybody any warning and yet thank you. [00:49:02] We had Dividend Gypsy, we had Aaron, we had Rocky hanging out with us and a few others. Thanks so much for hanging out and making the show with us and being a part of it. That’s gonna do it for today, Doug. You’ve got it from here, man. What should we have learned today? [00:49:16] Doug: Well, Joe, here’s what’s stacked up on our to-do list for today. [00:49:19] First, take some advice from Paula. Remember when she was saying all that incredible stuff and it was like super smart? She used all those really big words with, with all the syllables that we had to look up while she was talking, and then we couldn’t really hear. And understand what she was saying ’cause we were too busy looking up all the big $12 words she’s using. [00:49:41] Yeah. Paula, we missed it. Can you say it again? You can make melons out of Melan aid. Oh. Oh. And then Jesse, man, did Jesse just knock it out of the park today? Jesse hit another home run for us. Man, [00:49:56] Jesse: we all gotta go somehow. So why don’t you just run toward the zombies? [00:50:01] Doug: Put the big lesson. Joe’s mom is such a giver in this cooperative laundry thing. [00:50:08] She told me she’ll even let me dry the clothes for both of us, and she’s gonna check on them later just to make sure, like the machine’s not smoking. But don’t worry when that’s done, I still get to fold them and hang them up again, not perfect, but it’s a start. Thanks to Jesse Kramer for joining us today. [00:50:28] You’ll find Jesse’s fine work at Personal Finance for. For people who listen to podcasts about money or something like that. I don’t know. Whatever the name of his show is now, I can’t keep up with it. We’re also gonna include links in our show notes at Stacking Benjamins dot com. Don’t worry. Thanks also to Paula Pant for hanging out with us today. [00:50:49] You’ll find her fabulous and succinctly named podcast Afford Anything wherever you listen to. Succinctly name podcasts. Jesse, take some notes. Thanks also to OG for joining us today. Looking for some really, really good financial planning help. Head to Stacking Benjamins dot com slash OG for his calendar. [00:51:13] This show is the property of SP podcasts, LL LC, copyright 2025 and is created by Joe Saul-Sehy. Joe gets some 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. [00:51:34] 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.
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