How Many of These Ad Slogans Can You Still Name? (Paula Pant, Len Penzo, OG Play Along) SB1890

Everybody likes to believe they're too smart for marketing. Companies spend billions of dollars putting jingles and slogans in our heads anyway, and this episode puts that theory to the test. Paula Pant, Len Penzo, and OG face off in a rapid-fire game: Doug reads a slightly modified version of a famous advertising slogan, and they have to name the brand. What follows is a genuinely fun, surprisingly competitive round that proves just how deep this stuff sits in all of our brains, whether we like it or not. This one's a Greatest Hits favorite, originally recorded back in 2020, and the game holds up exactly as well today. What You'll Walk Away With A fast-paced, genuinely fun game you can replay in your own head (or with friends on a road trip) testing how many classic slogans you actually rememberA real discussion on how much advertising quietly shapes what we believe is smart to buy, invest in, or trust with our moneyA candid conversation about pieces of financial advice that used to be gospel and don't hold up anymore, including homeownership as an automatic wealth-builder and the old "100,000 miles and it's time for a new car" ruleA memorable real-world story about how deeply brand loyalty can override even a clearly better financial decisionA reminder that good financial advice isn't about memorizing fixed rules, it's about regularly checking whether those rules still fit your actual life Why This Matters Now It's easy to assume you make financial decisions purely on logic. But brand recognition, catchy slogans, and decades of repeated marketing messages shape more of our buying and money decisions than most of us would like to admit. Recognizing that influence doesn't mean living in constant suspicion of every ad you see. It means occasionally asking whether a belief about money, homeownership, cars, insurance, college, is something you actually decided, or something you absorbed because you heard it enough times to assume it was true. From the Basement A wildly competitive slogan showdown ends with a last-to-first comeback, plus a genuinely great story about a five-year-old spotting a McDonald's from the top of the Empire State Building at the exact wrong (or right) moment. Resources Mentioned Afford Anything podcast https://affordanything.com — Paula Pant's showLenPenzo.com https://lenpenzo.com — Len Penzo's site, including his sister blog, The Persistent ItchStacking Benjamins Field Kit https://fieldkitfinance.com — the all-in-one financial organization tool referenced in the updated intro See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

• 0:00Speaker 00

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• 0:30Speaker 01

  Hey, Stackers. Joe Saul Sehy here. How much do you think advertising actually works on you? Because we all like to believe we're smarter than marketing, don't we? Sure. You know, other people buy the car because of the commercial. They choose the insurance company because of the slogan or the emu. See, I'm even doing it. Other people suddenly need Taco Bell 1130 at night. Not us. We're sophisticated, right? Well, today, we're going to test that theory. This is one of my favorite ridiculous Friday experiments we've ever done in Mom's basement. We got Paula Pant, Len Penzo, and OG around the card table. And we're going to see how many famous advertising slogans they know after we, let's say, make a few minor improvements to them. And here's the scary part. They know way more of them than you'd expect.

• 1:15Speaker 01

  And I think that's really the hidden money lesson underneath all this game show noise that you're going to hear today. Friday is always our fun day, right? And so sometimes you get wrapped up in just how fun it is. But companies spend billions of dollars getting messages into our heads, and those messages absolutely influence what we buy, what brands we trust, and sometimes even what we believe is smart with our money. I know, we just got a great question that we're going to cover in the next couple of weeks about Robinhood. Robinhood has phenomenal advertising, and yet there's reasons why OG and I really aren't a fan. So that is how powerful this stuff can be. Now, here's the behind the scenes part. This is another episode we pulled out of the basement to complete Greatest Hits Week.

• 2:00Speaker 01

  It originally aired September 11th, 2020. You're going to hear 2020 all over this thing. There's, this is a little bit of a time capsule. We're not replaying it because of the things that were going on then. We're replaying it because the game is the same. I mean, you're going to know these. It's going to be incredibly surprising how, six years later, you still know all of them. There's another discussion here about financial advice that doesn't hold up today. And after listening to that discussion six years later, I think it's, that one's a great reminder that good financial planning isn't about memorizing rules. It's about continually asking if those rules still fit your life. There's something else we can do better today than we did in 2020. We didn't have Fieldkit Finance back then.

• 2:43Speaker 01

  If you're trying to get your financial life organized, figure out what actually applies to you, we built a place to help you put everything together. That's at fieldkitfinance.com. Okay, enough of the serious stuff. It's Friday. We got Paula. We got OG. And because it's a time machine, we're going back to when Len Penzo joined us on Fridays. Instead of co-hosting a lot of our weekday shows, got too many sound effects. Maybe an appearance by the Magic 8-Ball even. Who knows? One more note. There was a Friday fintech segment that we used to do, and this is really old news. I mean, fintech, six years old, that is really old news. So we've removed that from the episode. So today's going to be a little shorter so that you can get about the rest of your weekend. It's super fun, but what that means is we're going to have a couple of sponsor spots here

• 3:29Speaker 01

  so that we can give this to you for the price of zero. And then about halfway through, 17, 18 minutes from now, we're going to have the mid-roll spot. So just two spots in the show where we have our sponsors that help us bring it to you. So here's the first one. And then when we come back, Steve, you ready to roll it? Steve's going to roll this wonderful game show from 2020. Well, you may know that chaos is the name of the game here in Mom's basement. What with guests coming in and out, Cooper the Cat getting in the way, Doug being, well, being Doug. The holidays make it even worse because it's all about food and big meals. And the problem is prepping for those takes forever.

• 4:10Speaker 01

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• 4:54Speaker 01

  or the enchilada-style chicken and sweet potatoes. Those are so good. They're crafted with lean proteins, fiber-packed fruit and veggies, and healthy fats. Try those out. Your heart and your taste buds will thank you. For Cheryl and I, Factor has been a great way for us to stay busy and focus on family life and beating Mom at card games. I use Factor, and you should too. So let's eat real, Stackers. Head to factormeals.com/sb50off. Use code SB50OFF. And you know what? You're going to get 50% off and one free breakfast item per box for one year while supplies last until December 31st, 2026.

• 5:38Speaker 01

  That is code SB50OFF at factormeals.com. SB50OFF at factormeals.com. See website for more details.

• 5:50Speaker 02

  My plan is sound, mathematically sound. It cannot fail. It's perfect. Three months from now, I will be worth $50,000, independent for life.

• 6:10Speaker 03

  Live from Joe's Mom's basement, it's The Stacking Benjamin Show.

• 6:25Speaker 03

  I'm Joe's Mom's neighbor Doug, and welcome to the happiest podcast on earth. Can you guess where that catchphrase comes from? Well, on today's show, we're going to show you just how much marketing seeps into our buying decisions by sharing slogans from some of our favorite brands. Here to help sort out the good from the bad, we welcome from Afford Anything, Paula Pant. And from this podcast, it's OG. Plus, from lenpenzo.com, we welcome Bob Barker. Nah, he's busy getting pets neutered or something. It's just Len Penzo. And now, a guy who's got his game show grin firmly in place, it's Joe Saul Sehy.

• 7:13Speaker 01

  Yes, I do. And I've been so excited about this episode for a long time. Hey, everybody. Welcome to the weekend. I am Joe Saul Sehy, AverageJoeMoney on Twitter. And across the card table from me, the guy that we call the Vanna White of this podcast, it's OG.

• 7:29Speaker 04

  When I heard you say, "Welcome Weekend," I was thinking we had a special musical guest today.

• 7:34Speaker 01

  The weekend? How great would that be?

• 7:36Speaker 04

  Not a weekend.

• 7:37Speaker 01

  Yeah, sorry.

• 7:38Speaker 04

  And as in, yeah, okay.

• 7:40Speaker 01

  Yes.

• 7:40Speaker 04

  Hold on.

• 7:47Speaker 01

  We are dangerous since we got these things. Yeah, baby. A great way to start the weekend with our game show episode. And somebody who's in an undisclosed location, but she may have stayed at a Holiday Inn once. There's a catchphrase. Paula Pant joins us.

• 8:04Speaker 05

  You know what? As long as we are using these sound effects, can I ask the Magic 8-Ball a question?

• 8:10Speaker 01

  Paula, the 8-Ball is always there for you.

• 8:13Speaker 05

  Excellent. Magic 8-Ball, will I continue staying at Holiday Inns for the foreseeable future?

• 8:20Speaker 02

  Well, let's find out.

• 8:29Speaker 06

  Yes, I am.

• 8:38Speaker 01

  Yeah, I don't know if that's good news or bad news, Paula. Hey, hey, let's ask Len another one. Will Paula get her free reward night

• 8:47Speaker 01

  in the next couple of days? Because she stayed there so damn much.

• 8:55Speaker 02

  Ask later, when the time is right.

• 8:58Speaker 01

  Ooh. That sounds like a

• 9:00Speaker 05

  To wait until I've earned the reward night to ask.

• 9:03Speaker 01

  When the time is right, sounds like a Cialis commercial. Is that, that's exactly what I was thinking.

• 9:09Speaker 04

  Of course, the two of you would think that.

• 9:11Speaker 01

  It almost sounded like the eight ball was hitting on Paula.

• 9:17Speaker 01

  When, when the time is right, what was my question? It's hitting on me, Len. Come on. I can get some love here too, pal. And by the way, that

• 9:29Speaker 01

  Oh.

• 9:32Speaker 01

  It is certain.

• 9:33Speaker 04

  It was hitting on you.

• 9:34Speaker 01

  Is it certain it was hitting on me? Is it certain that she's getting a reward? I don't know. But the man with the magic eight ball himself is here. That's the voice of Len Penzo. Len, how are you, my friend? I'm doing just, just fantastic. We're wrapping up summer and I'm ready for some cooler weather. Well, are you ready for a game show episode of the Stacking Benjamins show? Yeah, I just hope I do better on this one than I, when we went to prices right here, uh, earlier this year. Well, let's, let's get this thing. Couldn't even get on stage. You could, but you were really there. You were really at the prices right. Yeah. And you know, the thing that was kind of irritating is my episode got preempted by, and I don't mean to sound as bad as it sounds, but by the Kobe Bryant's funeral. So

• 10:18Speaker 04

  Selfish and so be.

• 10:22Speaker 04

  It may be true, but that is not anything you want on the internet.

• 10:30Speaker 04

  Wrong.

• 10:31Speaker 01

  My episode guy.

• 10:32Speaker 04

  Don't take this the wrong way, but this is bullshit.

• 10:37Speaker 04

  My episode is preempted by a stupid funeral of like a well beloved person and his family died tragically in a helicopter.

• 10:45Speaker 01

  It's just a fact. Hey, it happens, you know, I guess.

• 10:49Speaker 01

  Come on. And didn't you say, Len, that that studio is really tiny? Yeah, it's about as big as my living room, actually. I mean, I'm exaggerating a little bit, but yes, I mean, it is amazing how small that, that, how they cram all of that into such a small area. It's like the Tonight Show. If you go into the, the Tonight Show crowd, you'd swear the set is huge and it's very small. Yeah. Well, this is an absolutely huge studio that we use here at Stacking Benjamins for our game show episode. So let's get this thing going, guys.

• 11:20Speaker 01

  That's right. When you hear the music, you know, it's time to dance because we are about to have some fun with Paula, Len and OG. Here's the deal, guys. You know how like in these sporting events, they'll have very special parts of the event where you can maybe get more points and more prizes or like a bonus round? This is going to count toward trivia. There'll be no trivia today. The winner's getting two points toward trivia instead of one. So for those of you who are new to this game, Len Penzo is leading this thing with 12 points. OG in second with 11, Paula with 10, but Paula, because of the rules, you could be tied for first when we leave here today.

• 12:01Speaker 05

  Ooh.

• 12:02Speaker 01

  I know.

• 12:03Speaker 05

  Dun dun dun. The stakes are high.

• 12:05Speaker 01

  I'm just building, uh, uh, dramatic tension.

• 12:09Speaker 04

  Especially with the music that you're playing.

• 12:10Speaker 01

  Yes.

• 12:12Speaker 04

  Certainly matches the, the tension raising.

• 12:17Speaker 01

  So here's the deal, guys. We had an issue and Doug will never tell you this, but, but OG, you and I, you know this story. OG, you and I thought that, uh, we needed some new catchphrases. You know, everybody, all these, all these places have catchphrases. So we hired Doug. Doug was standing behind us when you and I were talking about this at the team meeting. He's like, you give me 20 bucks. I will find you a great, great catchphrase. So he came back with these catchphrases, but I'm absolutely certain he stole them all. So you have to tell us to get a point in the first round and then two points in the second half. You're going to have to tell us where the catchphrase actually came from. All right? We're going to tell you Doug's modified catchphrase. You tell us where the catchphrase came from. By the way,

• 13:02Speaker 01

  I think what you're going to find out here is just how much these catchphrases that we think don't matter to us have seeped into our consciousness and probably might affect our buying decisions. Just a little bit. It'll be amazing how even maybe Paula Pant might get some of these brands.

• 13:21Speaker 05

  Hey, I have a question about the way this game works. So are you going to say one catchphrase and each of us takes a turn in guessing where it came from? Or is it one catchphrase per person?

• 13:31Speaker 01

  We're going to do one catchphrase, but if somebody gets it wrong, we're going to let the next person who follows behind them see if they can get it and the next person. All right.

• 13:41Speaker 05

  Got it. So we keep going till there's a winner.

• 13:43Speaker 01

  Yes. And so, and so here's the way that it will go. Paula's going to have the first opportunity. OG will have second, Len will have third, but then once we guess the first one, OG will go first, the second one, Len will go first, the third one, and then we'll go to the second round. All right. Everybody got it?

• 14:01Speaker 05

  That's a lot of numbers.

• 14:02Speaker 01

  This is so exciting. In fact, it's so exciting that we're going to play the theme one more time. All right. Here we, here, here we go. Paula, you are first. This is one of the catchphrases that Doug brought to us. The stacking Benjamin show melts in your mouth, not in your hand.

• 14:21Speaker 05

  M and M's.

• 14:22Speaker 01

  M and M's. Paula gets that one correct. Nice job.

• 14:26Speaker 05

  Nice. Yeah. I know my chocolate. I know my candy.

• 14:30Speaker 01

  OG. This one goes to you.

• 14:34Speaker 04

  Don't, don't you have to do this afterward?

• 14:36Speaker 01

  Oh, we do. Yes.

• 14:41Speaker 04

  All right. So she said M and M's.

• 14:42Speaker 05

  It's going to be a long show.

• 14:43Speaker 01

  You pay for all these sound.

• 14:47Speaker 04

  The sound effects are free.

• 14:49Speaker 01

  Yes. Yeah, we throw them in for free. We don't charge anybody extra for the sound effects, Len. Oh, you're saying how much should we charge? Yes. Yes.

• 14:59Speaker 01

  OG.

• 15:01Speaker 04

  Bring it.

• 15:02Speaker 01

  Silly rabbit stacking Benjamins is for kids.

• 15:06Speaker 04

  It's going to be tricks.

• 15:07Speaker 01

  Tricks for the win. Play it again.

• 15:10Speaker 04

  Oh, sorry.

• 15:13Speaker 04

  Thank you.

• 15:15Speaker 01

  Len, your first round guest. Okay. America runs on stacking Benjamins.

• 15:22Speaker 01

  Oh, that's, um, that's my favorite coffee. That's Dunkin' Donuts, baby. Dunkin' Donuts.

• 15:31Speaker 01

  Nice job. And at the end of the first round, the score is Paula one, OG one, Len one.

• 15:40Speaker 04

  You guys all need to get something that you can just play sounds from.

• 15:46Speaker 01

  So many. All right, Paula, back to you for round two.

• 15:50Speaker 05

  All righty. I'm ready. I'm ready. I've been training.

• 15:53Speaker 01

  The podcast of champions.

• 15:56Speaker 05

  Breakfast of champions.

• 15:59Speaker 05

  Breakfast of champions. Wheaties?

• 16:02Speaker 01

  Is the answer Wheaties? It is.

• 16:08Speaker 01

  Nice, nice job. You sweated that one. A bit a while since you've had Wheaties, huh?

• 16:12Speaker 05

  It has. It has been a while since I've browsed the cereal aisle.

• 16:17Speaker 01

  But give Len Dunkin' Donuts and he's all over it. Just,

• 16:23Speaker 01

  just, just so good. All right. Uh, OG.

• 16:28Speaker 04

  Okay.

• 16:29Speaker 01

  Podcast sounds so good. Listeners ask for it by name.

• 16:35Speaker 04

  What? This is a complicated one.

• 16:39Speaker 01

  Sounds so good. Listeners ask for it by name.

• 16:47Speaker 04

  Yeah, I got nothing.

• 16:49Speaker 01

  Oh, Mr. Mr. Penzo, can you get the steal here? Oh my God, I know, I know it, but I can't come up with it. Give the Doug's version again. Podcast so good. Listeners ask for it by name. Oh, it's, um,

• 17:08Speaker 01

  is there a time limit? Can you give me?

• 17:12Speaker 01

  I just on the tip of my tongue, I know what this is. Ask for, they ask for it by name. Paula might get the steal here. I'm, I'm not going to hold up the podcast. Is Paula going to get the steal?

• 17:24Speaker 05

  I totally am. Can we get a drum roll, please?

• 17:28Speaker 04

  Nope.

• 17:30Speaker 01

  That's the closest we got, Paula.

• 17:34Speaker 05

  It is Meow Mix.

• 17:36Speaker 01

  Meow Mix for the win. Nice job.

• 17:42Speaker 01

  Oh, that's the wrong one.

• 17:45Speaker 01

  That's the wrong one. What the hell? What the hell button is it? There it is.

• 17:51Speaker 01

  It's, it's, it's, it's one of these buttons. Paula, you have a kitty, don't you?

• 17:55Speaker 05

  Got two.

• 17:56Speaker 01

  Two kids, see?

• 17:59Speaker 01

  See, she has the advantage there.

• 18:01Speaker 05

  The home cat advantage.

• 18:04Speaker 01

  Paula's like Meow Mix, not just for cats anymore.

• 18:11Speaker 01

  All right. That brings us back to Len for the end of round two here. Len to stay within striking distance. Doug has this catchphrase. Stacking Benjamins, bet you can't just listen to one. Oh, that's easy. It's, uh,

• 18:35Speaker 01

  Bet you can't just listen to one. Can't listen to one. You can't, you can't eat one. That's, um,

• 18:45Speaker 01

  yeah, that's, uh,

• 18:48Speaker 01

  that's Lay's potato chips. That's Lay's potato chips. Nice job.

• 18:56Speaker 01

  And oh, the, we got, we went through those so fast that the, uh, the judges are telling me that we're going to have a bonus round.

• 19:03Speaker 05

  Nice.

• 19:04Speaker 01

  Very, very, very.

• 19:05Speaker 04

  Bonus round for.

• 19:06Speaker 01

  Very exciting. We'll do one three point bonus round at the end of the game, but right now we can start round two of the game.

• 19:16Speaker 01

  Going way faster than I thought it was going to go, but the score here, Paula with the big steal. Three points, Len with two. OG falls behind with one and we go to two points. Every time you get it right and Paula, we go back to you. Stacking Benjamins, it's magically delicious.

• 19:38Speaker 05

  New frosted Lucky Charms. It's magically delicious.

• 19:43Speaker 01

  Is it frosted Lucky Charms?

• 19:45Speaker 05

  Oh, it's not frosted Lucky Charms. It's, it's just Lucky Charms. There's an adjective that they use in that, in that, uh, marketing.

• 19:56Speaker 05

  My answer is Lucky Charms.

• 19:59Speaker 01

  Will the judges accept that?

• 20:07Speaker 02

  It cannot be determined at this time. Oh, boy. This guy's going on. He's, he's going the way the old eight ball here if he doesn't get his act together.

• 20:15Speaker 01

  Well, I feel like Len, it's like, you know, it's politics season. He doesn't want to get anybody's bad side. So he's just going to tell us what we want to hear. And he's not sure because two thirds of you wanted to be wrong. One third wants her to be right. So I think we give it to her.

• 20:31Speaker 02

  I think so.

• 20:32Speaker 05

  Yeah, I got the adjective modifying Lucky Charms wrong, but I got the noun right.

• 20:38Speaker 02

  You don't eat Lucky Charms, do you, Paula?

• 20:40Speaker 05

  You know, I did when I was a kid, but I haven't in 25 years.

• 20:44Speaker 02

  All right.

• 20:46Speaker 05

  What is the adjective for Lucky Charms, though? The something Lucky Charms? They're magically delicious.

• 20:52Speaker 01

  They're magically delicious.

• 20:54Speaker 02

  I don't think there is an adjective.

• 20:56Speaker 01

  All right, I'm just Lucky Charms. All right, OG, let's go to you, man.

• 21:00Speaker 04

  Okay.

• 21:01Speaker 01

  Doug stole this one. Stacking Benjamins. Listen to the rainbow.

• 21:06Speaker 04

  Skittles.

• 21:07Speaker 01

  Skittles. Nice job, man.

• 21:12Speaker 01

  OG now with three points. I should probably have a piece of paper.

• 21:17Speaker 04

  I got it down.

• 21:17Speaker 01

  Oh, good.

• 21:18Speaker 04

  Five, three, two.

• 21:19Speaker 01

  Yep. All right. And Len, to stay one point behind Paula.

• 21:23Speaker 02

  All right, let's hear it.

• 21:25Speaker 01

  What's on your podcast player?

• 21:27Speaker 02

  Oh, that's, yeah, what's in your wallet? Who is that? What is that? What's, what's in your wallet? That's a credit card. Which credit card is that? Oh, it's, um, what's in your wallet?

• 21:40Speaker 01

  Oh.

• 21:43Speaker 02

  It's, um, what's in your wallet? It's a credit card.

• 21:50Speaker 02

  Capital one.

• 21:52Speaker 01

  Is it capital one?

• 21:58Speaker 01

  Nice, nice job. All right. On that note, I think we're going to take a little break, give people, you guys time to stretch out. We'll be right back with the second half of round two and our three-point bonus round. Paula might end up tied for first at the end of this thing.

• 22:15Speaker 05

  That would be awesome.

• 22:17Speaker 01

  Well, you may know the chaos is the name of the game here in mom's basement. What with guests coming in and out, Cooper the cat getting in the way, Doug being, well, being Doug. The holidays make it even worse because it's all about food and big meals. And the problem is prepping for those takes forever. But what about those between meals, right? The meals between those huge, huge bookends. Well, that's where Factor comes in. Factor is made with high-quality ingredients that you recognize and trust with over 175 banned ingredients. You always know you're eating something that's good for you, even when you don't have time. It's ready in two minutes, whether it's lunch between meetings or dinner after holiday

• 23:01Speaker 01

  shopping. Factor requires zero prep, cleanup, or effort from you or mom, so you can focus on everything else in your day. Factor even has heart-smart options like the Green Goddess Baramundi with tomato, rice, peas, kale, and green beans, or the enchilada-style chicken and sweet potatoes. Those are so good. They're crafted with lean proteins, fiber-packed fruit and veggies, and healthy fats. Try those out. Your heart and your taste buds will thank you. For Cheryl and I, Factor has been a great way for us to stay busy and focus on family life and beating mom at card games. I use Factor, and you should too. So let's

• 23:46Speaker 01

  eat real stackers. Head to factormeals.com/sb50off. Use code SB50OFF. And you know what? You're going to get 50% off and one free breakfast item per box for one year while supplies last until December 31st, 2026. That is code SB50OFF at factormeals.com, SB50OFF at factormeals.com. See website for more details. There is a financial conversation that's coming to millions of American families, and there's a pretty good chance nobody wants to be the person who starts it. Inheritance. And here's why that matters. An estimated $124 trillion to heirs in charity is expected

• 24:30Speaker 01

  to be transferred by Americans over the next 20 years. It's an extraordinary amount of money, but Kiplinger's research found that 51% of adults and their parents, get this, never talk about money. And there's a pretty big disconnect. 47% of parents expect to leave a meaningful inheritance, while only 24% of adult children expect to actually receive one. Nearly 30% of parents don't even have a will in place. Maybe it's time we talked. Kiplinger calls it the trillion-dollar talk, a conversation about inheritance, estate planning, wills, and the questions families should be asking before those decisions become

• 25:11Speaker 01

  urgent. Because knowing what your family wants and having a plan for it can be one of the most important financial conversations you will ever have. Ready to start yours? Visit kiplinger.com to learn more about the trillion-dollar talk and what this historic wealth transfer could mean for your family.

• 25:30Speaker 01

  It's incredible at a small company like Stacking Benjamins, how one, one hire makes all the difference in the world. If you're a small business, the right hire can be make or break. Hoping the right people see your job posting isn't the best growth strategy. When the pressure's on, you need the right hire. This is a job for sponsored jobs. Indeed Sponsored Jobs is a boost whenever you need to find quality talent. When workplace chaos hits and you need the right hire, this is a job for sponsored jobs. Hiring Indeed is all you need. Stop struggling to get your job post even seen at other sites. Get matched with and hire quality candidates who can drive the results you need. Reach candidates

• 26:12Speaker 01

  that meet your specific criteria like skills, certifications, or locations. Sponsored Jobs boost your job post on search results, so you can reach the people that can help your business thrive. Plus, with Indeed Sponsored Jobs, you only pay for results. People are finding quality hires on Indeed right now. In the minute I've been talking to you, listen to this. Companies like yours have made 27 hires on Indeed, according to Indeed data worldwide. And sponsored jobs posted directly on Indeed are 95% more likely to report a hire than non-sponsored jobs. So spend less time searching and more time actually interviewing candidates who check all your boxes. Less stress, less time, more results. When you need the right person to cut through the chaos, that's a job for Indeed Sponsored Jobs.

• 26:57Speaker 01

  And guess what? Our stackers are going to get a $75 sponsored job credit. That's you to help get your job the premium status it deserves at indeed.com/podcast. Just go to indeed.com/podcast right now and support Stacking Benjamins by saying you heard about Indeed in mom's basement. Indeed.com/podcast. Terms and conditions apply. Need a hiring hero? This is a job for Indeed Sponsored Jobs.

• 27:40Speaker 01

  Welcome back to the second half of this crazy game show episode of the Stacking Benjamin Show. Paula has five points. OG has, how many does OG have? Three? Three. And Len has four. And we have a second round here of two points before we go to the bonus round, which is three points. And Paula, you go first again. Stacking Benjamins. These are for people who think our shows are too long. Stacking Benjamins, it keeps going and going and going.

• 28:13Speaker 05

  Energizer.

• 28:15Speaker 01

  Is it Energizer?

• 28:20Speaker 01

  I love it when we're playing all the sound effects at once. That's great. Paula with two more points stays on top. And OG, man, this is, you gotta have this one to stay in the game.

• 28:34Speaker 04

  No pressure. It's probably a great one, too.

• 28:35Speaker 01

  Doug has a very simple one here. OG, got podcast?

• 28:40Speaker 04

  It's just milk, right?

• 28:42Speaker 01

  It is milk. It's a California milk processor board. Nice job. OG now with five. And Len, if you don't get this one right, you can only tie for the win. So to keep your hopes alive.

• 28:57Speaker 02

  All right.

• 28:57Speaker 01

  Stacking Benjamins is mm-mm good.

• 29:04Speaker 02

  First off, I'm looking at Paula here to see if she's got, got this.

• 29:08Speaker 01

  She's, she's got her stone face going there. She's not giving anything away.

• 29:13Speaker 02

  Good. Oh, my gosh. I know I can see it. It's mm-mm.

• 29:19Speaker 01

  Oh my God, I'm gonna have to pass. I I'm gonna kick myself. Over to you, Paula. It goes to Paula. Paula gets this. I think that she can't be beat.

• 29:28Speaker 05

  Campbell's soup.

• 29:29Speaker 01

  It's

• 29:34Speaker 01

  geez. It is Campbell's soup. Len, how you feeling right now, pal? Well, I think I've just ruined your whole segment because now we've got, uh, this is, it's a runaway.

• 29:50Speaker 01

  Now we do, we have a race for, we have a race for second. We can go through these fairly quickly. Len, you're in third place. Let's see if you can capture second with this one. Stack your Benjamins.

• 30:00Speaker 04

  To go again.

• 30:01Speaker 01

  What's that? I'm in last place. Yeah, the last round, we're gonna go, we're gonna go last to first. So yes, no, either that or I'm just cutting you out.

• 30:13Speaker 01

  One or the other. Now that I've just screwed the whole show up. Okay. Len's in last place. Uh, Len, stack your Benjamins. Good to the last drop. Another coffee when I see. That's Maxwell House. That is Maxwell House. Correct. OG. Every podcast begins with SB.

• 30:35Speaker 04

  It's like you took all the words out of it. Like you, good to the last drop. Like that's the whole slogan. Mind you left the prepositional phrases in.

• 30:45Speaker 01

  Every podcast begins with SB. He also gave you got blank. So yeah, I see a pattern here.

• 30:52Speaker 04

  What is it again? Say it again.

• 30:54Speaker 01

  Every podcast begins with SB.

• 30:57Speaker 04

  I can hum it. Does that count?

• 31:00Speaker 01

  Well, actually, what's interesting is if you get it wrong, Len could get three points here too, can't he? He can steal your points and he can get the win. Didn't think about that.

• 31:10Speaker 04

  Zip it so I can like think about the answer. Say it again one more time.

• 31:15Speaker 01

  Every podcast begins with SB.

• 31:19Speaker 01

  Oh my God, so annoying. So bad at this crap. Kay Jewelers. Is it Kay Jewelers?

• 31:31Speaker 01

  He pulls it out. All excited. So I was all excited.

• 31:35Speaker 04

  All of a sudden, like I knew it was like a single letter and I'm like, I'm going, I'm like, is it, is it with Y? B, it was C. I couldn't remember what the thing was, but I knew that there was a single letter at the end.

• 31:48Speaker 01

  All right, Paula, and for your victory lap.

• 31:52Speaker 04

  Unless she misses it, right? Then it can go back.

• 31:54Speaker 01

  We can still. Oh, you can, you can steal. Correct. Give her a hard one. Paula for the win. Podcast fresh.

• 32:05Speaker 05

  So it's blank fresh.

• 32:10Speaker 05

  Subway, eat fresh.

• 32:12Speaker 01

  Is it Subway?

• 32:19Speaker 01

  I'm looking at, people can't see us, but I'm looking at OG and London. They're like, please get her, please get her on.

• 32:27Speaker 01

  Oh, you had no idea? Len had it. Yeah, I had it. I was excited twice. Both you guys.

• 32:34Speaker 04

  Cause that Subway bread you can keep in the bunker a long time. It has no, no ability to decompose ever.

• 32:40Speaker 01

  It's almost as good as Twinkies.

• 32:42Speaker 04

  Science.

• 32:45Speaker 01

  See, are you saying eat fresh might not be completely true?

• 32:50Speaker 04

  The first part goes inside the bread, but the bread is indestructible. Last forever.

• 32:56Speaker 01

  Fantastic trivia. Hey, uh, big thanks to, to How Stuff Works Play. We borrowed their slogan contest here. We'll link to it on the show notes page. If you want to play this in a road trip with your family. But a ton of fun and Paula, you now go from last to tied for first.

• 33:15Speaker 05

  That's excellent. Wait, so what was the final score of the game?

• 33:21Speaker 01

  Rub it in. Salt in the wound.

• 33:25Speaker 01

  Paula had 11, OG had eight, Len had seven.

• 33:29Speaker 05

  Well, having spent this entire year basically being in last place for trivia, I, I feel honored that of all things, pop culture slogans are, are where I ended up standing out.

• 33:41Speaker 01

  And I also thought, yeah, I also thought being a pop culture thing, I thought you were toast, but clearly you're a product of marketing.

• 33:50Speaker 05

  Yeah, exactly. There's a distinction between pop culture and marketing and clearly I know marketing.

• 33:57Speaker 01

  Hey, let's, um, magnify somebody's money, guys. Gertrude, mom's friend who is kind of the room mother, does a fantastic job. Gertrude asked this question. I thought we'd ask you guys the same question. What piece of financial advice no longer applies? What piece of financial advice? No longer applies. Len, can you think of something that, uh, people used to say financially was a good idea that probably isn't anymore? Well, I was gonna say with the rate of interest they're paying out anymore. I was gonna say a penny saved is a penny earned, but I guess that really doesn't apply. It's, that's kind of not what that means. So, um,

• 34:39Speaker 01

  oh my gosh, what, what doesn't, doesn't a financial advice that doesn't apply anymore? I don't know, but a penny saved is lost to inflation is a pretty good one. Yes, it certainly is. Yes. Well, I would say this, college is not the guaranteed path to success that it used to be. I would say that, you know, that used to be everybody say, hey, go to college, you know, and you've got a, you know, you've, it's a guaranteed path. And I think college has priced itself out. Because of the return on investment now for some degrees, it's just not the sure bet that it used to be. So I, I think that's what I would say. Especially Len, if you're gonna take out student loans, you gotta do the ROI on college.

• 35:18Speaker 01

  Yeah, absolutely. I mean, it's just when you do that kind of thing and you count the cost of college and then how much you're gonna earn over your entire career. I mean, it takes, if it takes a long time, like maybe more than, you know, several years to get your money back, it's probably not worth it. Paula, how about you? A piece of advice that no longer applies?

• 35:39Speaker 05

  I would say the advice that people used to give about homeownership being a path to wealth and that homeownership being, you know, the ideal outcome for every person. I'd say that no longer applies, particularly for people who are living in high cost of living areas. It makes more sense for your personal residence to rent in many high cost of living areas.

• 36:02Speaker 01

  Well, I, I think that especially applies now as, you know, people don't work for the same company for 30 years anymore. You know, back when you worked the same place, you could actually maybe build some equity. And while the savings account rate wasn't great, you had a shot to maybe get some appreciation. But now with all the, the fees that you pay and refinancing and the bank gets there first, the amortization table and the bankers are completely against you when you move to a different city.

• 36:28Speaker 05

  Right, right. I mean, if, if you hold on to the, the home that you used to have and use it as a rental property, then moving to a different city doesn't necessarily require you to, uh, sell the home. But again, back to the high cost of living areas, in a lot of those places, those homes don't make sense as rentals. So if you move, it makes the most sense to sell that home despite the huge transaction costs. And if you keep doing that, say every even seven years or eight years, or heck, 10 years. Yeah, you're not gonna build a whole lot of equity and you're gonna pay a lot of transaction costs along the way.

• 37:03Speaker 01

  And most people, when they look at renting versus buying, I know, just look at the mortgage principle and interest, they forget about property taxes, insurance. I mean, all the cost of homeownership that you don't have when you're a renter as well.

• 37:15Speaker 05

  Exactly. Repairs, maintenance, major capital expenditures. There's a lot that goes into homeownership besides just the principal and interest portion of the mortgage.

• 37:24Speaker 01

  OG, what's a piece of financial advice that no longer applies?

• 37:27Speaker 04

  I knew you were gonna call on me.

• 37:29Speaker 01

  It's weird.

• 37:30Speaker 04

  I thought that maybe those other ones were good enough that we could end it there.

• 37:38Speaker 04

  Actually, really, really good on my feet like this, you know, but.

• 37:41Speaker 01

  Well, while you're thinking, OG, how about if I go over some of the ones that people, our friends in the basement had, uh, Josh said.

• 37:47Speaker 04

  Throw me a lifeline.

• 37:49Speaker 01

  Yes. Remember hearing that over and over? To get a million dollars, you got enough for retirement. Well. That's a good one. That's a really good one. Let me give a corollary to that. A hundred thousand dollars a year in income is not what it used to be either. Right. It used to be, hey, I'm six-figure salary. That used to be, hey, hey, hey, hey. Now it's, I mean, it's great. Yes. But it's just not what it used to be. Speaking of a hundred thousand, Len, how about this one that John said, I used to believe a hundred thousand miles on a car and it was time to get rid of it. Remember those days? So now it's clear that there's a ton of useful life in a car that has over a hundred thousand miles. Yes, that's another very good one. My car's got eight thousand miles on it in the last, like, month and a half. It wonders what the hell hit it.

• 38:34Speaker 01

  And hey, you know what's funny for me, Joe? We, I just checked, because I just had to get a battery replaced in my car. I've, since I've been working from home, I've put 1,200 miles on my car in the last year. That's it. 1,200. Show off. Show off. My car wants to be your car, I think. Oh, geez.

• 38:55Speaker 04

  What about like the whole, like, leverage thing? You know, it seems like, kind of dovetailing a little bit off of the, you know, housing costs or, you know, housing purchase type idea. I remember, it was kind of pitched as this really great idea to, you know, you get this big tax deduction if you buy the house, you're using other people's money. I guess I still see that a lot in the, like, rental space, but I think maybe it's starting to come on the other way of, like, it's also a good idea to have everything paid off.

• 39:28Speaker 01

  Just, you know, just.

• 39:29Speaker 04

  Especially in the last year or so, where, you know, people are recognizing, it's great, like, the use of leverage is very awesome when everything's going right, you know? It's just when things don't go exactly right, and you gotta come out of pocket for a lot of that stuff, or maybe you have a rental property, or Airbnb or something like that, like, that was the story some time ago. All these kind of double leverage type of rentals and things like that. So I think people are coming around to that. And maybe like, three months on cash isn't good enough.

• 39:57Speaker 01

  Yeah, Scott says that same thing, says three-month cash reserve. I think we're proving, a lot of people are proving right now that three-month cash reserve might be a little too, little too thin. But George, back on your mortgage issue and paying off your home earlier, OG, George has the opposite side of that. He says that don't have a mortgage is not true. He says, I like lots of Dave Ramsey's advice, but if I were talking to a 30-year-old with 30 years of investing ahead, I can pretty much guarantee that house appreciation is and hasn't been anywhere near what the S and P 500 has been. Home prices increase about three or four percent annually. Run-of-the-mill S and P 500 ETF should be good for three times that. At that rate, the 30-year-old will have enough by 45-years-old

• 40:39Speaker 01

  to buy two or three homes, and then could have no mortgage.

• 40:43Speaker 04

  Yeah, but the problem is, is that, is that nobody does that. Like, that's, that's just a person in the corner doing the math going, this is, this works out perfectly in math land. Reality doesn't apply. But what really happens is that 30-year-old buys the tippy-top house that he or she can afford, because that's what the bankers incentivize to do. That's what the mortgage brokers incentivize to do. That's what the realtors incentivize to do. And then as soon as they now have two incomes, because maybe they have a partnership or get married, or whatever, they get a promotion. Now, now I'm going to move into the bigger house. And just like Paul was saying, you never get ahead of that curve. You're always behind it. The biggest thing that you can do to keep your financial independence

• 41:25Speaker 04

  in check, or to accelerate it, is to have lower housing costs. The ability to pay off your house, or the ability to, it sounds cliche, maybe live it, live within your, but this is all cliches. Isn't that what all this is? This whole thing is a one big segment of cliches. Live within your means on your house in particular. I think that's probably the single, out of everything that I've ever seen, the common theme is people who live within their means on their house are financially independent, or have a greater likelihood. People who like to, I mean, this is the rich dad, poor dad thing. The people who like to make sure that they've got the, you know, the nice home, you know, the good schools, the keeping up with the Joneses stuff. They're always like a half a step behind, it seems.

• 42:09Speaker 01

  But it also seems like that's a case of priorities in some cases.

• 42:13Speaker 04

  Yeah, sure.

• 42:14Speaker 01

  I mean, it's about today, or is it about tomorrow? Now. It's about now, baby.

• 42:21Speaker 01

  On that note, thanks to everybody in our basement Facebook group for playing along with that. If you've got a question for us, though, head to stackyourbenjamins.com/voicemail, and we are happy to answer your question. We'll ask Paula, Len, and OG your question. Stackyourbenjamins.com/voicemail, and you can just use your phone, or use the, if you got a microphone, your computer. Don't have to have any special equipment. All right, that's going to do it for today, guys. Thanks a ton for playing. I think we'll let the winner go first. Paula, congratulations on your big, huge win today.

• 42:55Speaker 05

  What? Thank you.

• 42:55Speaker 01

  Nice job on Wheaties Meow Mix and.

• 42:59Speaker 05

  Lucky Charms.

• 43:01Speaker 01

  And Subway.

• 43:03Speaker 05

  And Subway.

• 43:04Speaker 01

  Yes. Tell us what's going on in that.

• 43:07Speaker 05

  Energizer Bunny.

• 43:07Speaker 01

  And the Energizer Bunny, yes. What's going on at Afford Anything?

• 43:12Speaker 05

  On the Afford Anything Podcast, which is a fantastic podcast that I strongly encourage you to check out, download, subscribe, follow, give it five stars, share it with your friends. On the Afford Anything Podcast, we've got a mix of stuff. So we have interviews. Dan Ariely, the Behavioral Economist, is back for a second interview with us. And of course, every fourth-ish episode or so, this crazy dude named Joe Saul-Sehy joins us to answer questions that come from our community. So Afford Anything Podcast is where you can find all of that.

• 43:46Speaker 01

  There might have been a marketing message hidden in there somewhere.

• 43:50Speaker 05

  But I don't have a slogan.

• 43:52Speaker 01

  No.

• 43:52Speaker 05

  At least not like a, I guess there's the, you can afford anything, but not everything. But, yeah, well, maybe that is. That's the podcast slogan, I suppose.

• 44:00Speaker 01

  We thought we'd call this, like Doug was talking about at the beginning, the happiest podcast on earth. What if we did that, Len? Well, it is the happiest podcast on earth, isn't it? Absolutely. Yes. It is. What's going on at Lenpenzo.com? First off, I'd like to thank you again for letting me follow Paula. I mean, this is just. But that's what happens, Len. The only thing nice I can say this time is Paula doesn't have a Nobel Prize winner on as a guest, so that's good. So that's a little better than usual. I mean. All I'm saying is, is that when you finish last, that's what happens. Just finish, finish first. That's my punishment. Okay, well, I've, when I'm done listening to Paula's podcast and maybe learning something, then I'm going to go over back to my podcast. Oh, wait, I

• 44:45Speaker 01

  don't have a podcast. But come over to my blog, because I'm, I'm discussing really important stuff. The latest thing over at Lenpenzo.com and the sister blog, The Persistent Itch. Why are some quarters painted red? You ever, you ever get a red quarter? Yes. Yes. Okay, I know, and I have the answer. Why? For anybody who's ever got a red quarter in their change and wondering, what the heck is that red quarter doing? Come on over, Lenpenzo.com, and you'll get the answer. Does this have, you know, there's those, those phrases, Len, that you've got no idea where they come from? You know, you've ever heard the phrase, like, I'm not going to pay you a red cent? Yes. I wonder what that means.

• 45:28Speaker 04

  Don't take any wooden nickels.

• 45:31Speaker 01

  I think I.

• 45:31Speaker 04

  Y'all are looking at me like, never heard that one.

• 45:34Speaker 01

  I think that's self-explanatory.

• 45:39Speaker 01

  That one, OG, might be like, don't spit in the wind.

• 45:45Speaker 05

  I was thinking, paint the town red.

• 45:47Speaker 01

  Paint the town red, yeah.

• 45:49Speaker 05

  Paint the town red.

• 45:50Speaker 01

  Yeah, maybe we paint the quarters red as part of the, I don't know. You will find all of Len's craziness at Lenpenzo.com. OG, what do you got going on this weekend, big guy?

• 46:00Speaker 04

  Ah, gosh, nothing is exciting this weekend going on. We are elbow-deep in school. I have kids. It's just, every day is a new adventure, Joe. It's just wonderful. Super happy. I'm just happy to be here. Happy to help out the ball club. That's what my friend said the other day. That was funny.

• 46:21Speaker 01

  That's fantastic. All right.

• 46:24Speaker 04

  I'm just here so I don't get fined.

• 46:25Speaker 01

  We'll link to, we'll link to Paula, Len, and OG on our show notes page at stackyourbenjamins.com. If you click the About section, by the way, you can also learn more about all of our contributors. Doug, you've got it from here, man. Well, we told Dougy had it from here when we asked him to pick out slogans, but we're going to give you another shot. You got it from here. What should we have learned today?

• 46:44Speaker 03

  So what should we have learned today? My God, I was listening. I just can't really think of, oh, you know, I guess there's one. There's one. Don't try to improve on catchphrases and make them your own. I see what you did there, Joe. I thought the happiest podcast on earth was a great one. We can still use it. I'm sure we're not going to get sued by any of these companies. Special thanks to Paula and Len for entertaining us again on the roundtable. You can find everything Paula is doing at affordanything.com. And for Len, you can find him at Lenpenzo.com, the least creative URL on the internet. Of course, we will link to their pages on our show notes page at stackingbenjamins.com.

• 47:30Speaker 03

  This show is created by Joe Saul-Sehy, produced by Karen Rapine, and engineered by the amazing Steve Stewart. Online, visit us on Twitter at SBenjaminsCast, or on our Facebook page. I'm Joe's mom's neighbor Doug, and I'm pretty much the guy in charge of everything around here. Trust me, this well-oiled machine didn't get like this all by itself. SB Podcasts may receive payment on the show from sponsors and guests in the form of books, giveaway items, discounts, or other remunerations. That's a big word. There's no way you take advice from these dorks, but like Joe's mom always says, don't take advice from people you don't know. This show is for entertainment purposes only, and before making any financial

• 48:15Speaker 03

  decisions, consult with a real financial advisor.

• 48:25Speaker 03

  What are you still doing here? The show is over. Go home.

• 49:14Speaker 04

  You're talking about catchphrases for, you know, the whole show was about that and the marketing impact of it. I had an example, early in my career, we were doing a financial planning analysis for a couple and they had a insurance policy that was a whole life policy and they'd had it for a long time and they'd been paying tons of premiums. So, part of the work that we were doing was to look through and see if there are different alternatives. And the solution that we came up with so easy, in fact, it was a, I at the time was like a, kind of like a training manager for new advisors. And so this client was a client of this new advisor. So, we'd done the whole financial planning work together, me and this new advisor. And we got to the, I go, this is just so, we didn't even prep for this. This is easy. Look, I mean, look, this

• 49:59Speaker 04

  how much they're paying, this is the new premium cost. This, you know, this is permanent. We've got this term option, which is better. Da, da, da, da, da. Went through like bullet point by bullet point, every part of this solution was better. So, we get into the meeting, having the conversation, like, hey, okay, so this is what you have and, you know, we need more coverage because of this analysis. Oh yeah, I understand that. And you're paying too much in premiums. Oh yeah, I understand that. And so, we need to replace this old one with this new one. How great is this? We're saving you all this money. Your family's taken care of. And the woman looks at me across the table and goes, wait, you want me to get rid of the insurance? I said, well, not get rid of, I mean, we're going to replace it with this new one because it's less expensive, more benefits, so on and so forth. She just says, but, but I can't do that. That's New York

• 50:44Speaker 04

  life. It's the company you keep. And I laughed. I thought she was kidding. I went, oh, you're serious. And that was the end of them, that was the end of that conversation. She was like, okay, yeah, no, I don't do that. That's the company you keep.

• 51:01Speaker 05

  So, I've got one. So, I had a friend who, this was many years ago, my friend was visiting New York City. All of the hotels in New York, particularly in the pre-COVID era, are pretty expensive. And so, this person was on a budget and they were looking for a, you know, inexpensive place that they could stay. And so, yeah, I saw them a couple of days before the trip started. And I said, oh, where'd you end up finding? Like, did he end up finding a place to stay? And they said, yeah, I got a, normal, everyday people can rent spaces at the YMCA where they can, it provides like housing, sort of like a guest house or a hotel or a hostel type of a thing. So, they were like, yeah, I'm staying at the YMCA. And I was like, really? You're staying

• 51:45Speaker 05

  at YMCA? And they just looked at me and went, it's fun to stay at the YMCA.

• 51:54Speaker 04

  We, we were visiting New York and my kids were maybe five. We were there, well, they were, had just turned five. So, we were there for the year 2000 fireworks. And a pretty fun time to be in Manhattan. But of course, when you go to New York with your family, you have to go to the Empire State Building. So, we go there, we go up to the top, we're on this observation tower. And, you know, the city is so busy and bustling and there's so much noise, but is, you know, if you've gone up there, you're so far above it, you just, it just seems peaceful. It seems just incredible. And the sun, by the way, is just about to set and everybody is super

• 52:37Speaker 04

  quiet because it just seems like this gorgeous moment as the sun is setting over New York. And then, right down next to me, my son Nick, at five years old, everybody up there is quiet and the place is packed. You hear this little kid go, Dad, you can see McDonald's from here.

• 52:57Speaker 04

  And of course, the lady next to us is like, okay, that's a commercial. That is, that's a commercial.