The Stacking Benjamins Show Beth Kobliner on the Money Basics That Still Work 30 Years Later (and the New Traps Nobody Warned You About) SB1841
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May 13, 2026 
Beth Kobliner, bestselling personal finance author and advisor for young adults, returns with a fresh update to longstanding money rules. She discusses how invisible, frictionless spending makes budgeting harder. Short experiments and account splits for couples help regain control. She also covers today's homebuying math, why used cars often win, student loan changes, and the real story on annuities.
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Price Tagged Goals Trigger Real Saving
- Putting a concrete price on goals turns vague wishes into measurable plans and unlocks options.
- Beth uses a $270,000 median home example to show 10% down is $27,000 and maps monthly savings needed.
Buy Used Cars And Put 20 Percent Down
- Buy used cars and pay ~20% down to avoid steep new-car depreciation and high interest.
- Beth cites average new car $50,000 vs used $30,000 and recommends Carfax and independent inspections.
Negotiate Below Invoice Not Monthly Payment
- Negotiate on invoice price, not monthly payment, and get preapproved financing to avoid long loans.
- Beth advises asking for 5–10% below invoice and using Edmunds or KBB to find invoice price.
