Joe Saul-Sehy

Creator of Stacking Benjamins podcast (follow the podcast @SBenjaminsCast).

Join 15k+ newsletter-reading STACKERS:

[Joe Saul-Sehy @AverageJoeMoney]

The key to a great budget is NOT what software/spreadsheet/program you use. It's how you communicate about money (either with yourself or with others). Let's work through a good budget meeting.

[Joe Saul-Sehy @AverageJoeMoney]

@Eric_Hansen71 I dislike typing on my phone. Sorry. That read horribly. The Schwab is marginally better.

[Joe Saul-Sehy @AverageJoeMoney]

New tax brackets were just revealed by the IRS for 2027.

Spoiler: they kept them. How many years in a row is this B.S. going to continue????

((The IRS with perfect timing as well...today's podcast episode is our Top 5 Things To Tackle Before Year End)).

[Joe Saul-Sehy @AverageJoeMoney]

@CharlieBarkerFI Well, I was kidding about brackets, but yes, boring wins.

[Joe Saul-Sehy @AverageJoeMoney]

@Eric_Hansen71 Considering that the Vanguard s&p and Schwab s&p and both total stock market indexes track the same things and Schwabs fees are a smidge lower, how the vanguard product would be better. They do the same thing.

[Joe Saul-Sehy @AverageJoeMoney]

@taxgirl I'd recommend selling them Forbes. ;-) You can't deny....similar businesses ARE going for a lot of money. No denying that.

[Joe Saul-Sehy @AverageJoeMoney]

And they won! Even if he doesn’t win another game all season, Pat Fitzgerald is a hero in East Lansing.

Next year I hope he elevates above it like Tom Izzo.

[Joe Saul-Sehy @AverageJoeMoney]

Even if my Spartans don’t win this football game, the fact that they’re still beating UM through the 3rd quarter probably makes my weekend.

[Joe Saul-Sehy @AverageJoeMoney]

This is SO 2026:

[Joe Saul-Sehy @AverageJoeMoney]

@tdwain1 I'm sure he's a blast at parties.

[Joe Saul-Sehy @AverageJoeMoney]

Stop investing. Bury your money in the back yard.

Volatility is a feature, not a bug. Want upside? Days like yesterday are your entry fee. Panic only makes you exacerbate the problems you’ve created through inaccurate and problematic framing of what stocks “should” do for you.

[WiseAle2 @WiseAle2]

@AverageJoeMoney You dont invest do ya? 4 months of gains wiped out in 1 day is terrible.

Imagine going to work for 4 months and you made $0 and never got paid

"BuT yOu HaVe ThE sAMe AMoUnt oF MoNey aS yOU dId iN JuNE hurrrrrr"

[Joe Saul-Sehy @AverageJoeMoney]

Tonight with friends we played Hitster, which may be my favorite party game at the holidays. What is yours?

(This year’s best money board game episode goes live on Black Friday, featuring the guys from the award winning Board Game Hot Takes show!).

[Joe Saul-Sehy @AverageJoeMoney]

Wait, what? Say it ain’t so, @mcknightandco !

[David McKnight @mcknightandco]

You don't wake up the first of every year and have the stock market deposit 12% into your stock portfolio...

[Joe Saul-Sehy @AverageJoeMoney]

@ShootahMcGavin9 Ha! 1000%. Sycophants believing every word the bots tell them.

[Joe Saul-Sehy @AverageJoeMoney]

THE SKY IS FALLING! THE MARKET IS TANKING!

...oh, wait. The Dow is trading at the same level as June 10...of this year!?!?

My bad. Not the huge deal I thought it was while reading social media this morning.

[Joe Saul-Sehy @AverageJoeMoney]

Kenny with a great point (per usual). Prices rarely ever drop. They'll stay steady for an elongated time, but successful businesses find every way possible to sell you products without dropping the price.

[Kenny Polcari @KennyPolcari]

Everyone screaming about wanting lower prices- remember this UNLESS the FED raises interest rates substantially higher to force a deep recession (ala 1979-1982) it ain't happening! The govt won't stop spending so do not expect lower prices. Lower oil will slow the rate of inflation BUT won't stop inflation. A major recession will! Just remember that.

[Joe Saul-Sehy @AverageJoeMoney]

@ProtonUseronX I like your "through line" approach. No more, no less. No panic and no "back up the truck." Steady on the helm. ;-)

[Joe Saul-Sehy @AverageJoeMoney]

@Eric_Hansen71 As I said...I know. The word "controversial" is there for a reason. As you dive more into this science you realize how fragile this all still is. Promising? Sure. A reason to "not worry about dementia"? Not at all.

[Joe Saul-Sehy @AverageJoeMoney]

@BMReric Ha! For the show I prefer down the middle. Don’t make me guess how it fits.

For softball….down the middle. ;-)

[Joe Saul-Sehy @AverageJoeMoney]

I received around 70 pitches a week for one slot every other week on our podcast. That means you have a 1/140 chance of getting that invite. I'm not interested in promoting your book/tv show/movie/seminar. I'm interested in financial knowledge for our Stackers. Know what we do and show how you can help me, and you've got a shot (still not a great one...but you have a shot).

[Interview Valet @interviewvalet]

If you're sending generic, robotic pitches to #podcasthosts, you should know that 69% say that a pitch with no clear connection to their audience or topic is the single fastest way to get rejected.

Guests who stand out and let invitations have an entirely different approach.

[Joe Saul-Sehy @AverageJoeMoney]

That errant "d" kills me... I RECEIVE @ 70 pitches/week. That's more like it ;-)

[Joe Saul-Sehy @AverageJoeMoney]

Here's disturbing Social Security data:

According to a @TheAmerCol survey of 1,603 people under 60, only 12.7% knew both ends of the Social Security claiming window (62 and 70).

Worse? 64.1% knew neither.

So why is this bad? People who only knew age 62 planned to claim 0.86 years EARLIER; people who only knew 70 planned to claim 0.62 years later. Same person, different anchor, ~1.5-year swing in retirement income decisions because you didn't understand the basics.