The Worst Money Advice Ever (Episode 1800!)

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Feb 6, 2026

Sarah Catherine Gutierrez, a CFP and founder of Aptis Financial who builds workplace financial-wellness programs for middle-income Americans. The conversation rips into the worst money clichés people keep repeating. Short, punchy rounds debate buy vs rent, tax myths, credit-card reward traps, YOLO spending, and a trivia-fueled game that keeps things lively.

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ADVICE

Boost Savings Early

Increase your savings rate early; moving from 5% to 10% dramatically improves long-term outcomes.
Financial planners can help set sustainable defaults that people stick with over time.

INSIGHT

Tangibility Bias For Homes

Homeownership feels tangible, so people overweight its emotional value versus the math.
Renting plus investing the difference can outperform buying in many markets.

ADVICE

Take The Raise

Accept raises; marginal tax rates don't make you take home less overall money.
Avoid making major career decisions based solely on tax misconceptions.

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Eighteen hundred episodes calls for something special, and what better way to celebrate than by dragging the absolute worst money advice into the light and laughing at it together?

Special guest and CFP Sarah Catherine Guiterrez from Aptus Financial joins Joe Saul-Sehy, Neighbor Doug, Paula Pant (Afford Anything), and Jesse Cramer (Personal Finance for Long Term Investors) for a rapid-fire, no mercy takedown of the most damaging financial clichés ever passed down at family dinners, car dealerships, and internet comment sections.

This episode is equal parts group therapy, myth-busting, and friendly argument. Exactly the kind of chaos that's kept the Stacking Benjamins basement standing for 1,800 shows.

What You'll Hear in This Milestone Episode:

• The most cringeworthy financial advice the panel has ever heard and why it sticks around

• Why phrases like "just let the bank take it" quietly wreck long-term wealth

• How YOLO thinking sneaks into financial decisions disguised as confidence

• The difference between common advice and useful advice

• Sarah Catherine's planner level perspective on why bad advice feels comforting

• Paula and Jesse sparring over long term thinking versus short term emotion

• OG bringing strategy, clarity, and the occasional eye roll

• Neighbor Doug doing what he does best: poking holes, cracking jokes, and keeping everyone honest

• Why car buying advice is one of the most misunderstood areas in personal finance

• How trivia, travel, and history collide in a surprisingly competitive game segment

• What Singapore's founding teaches us about perspective, patience, and getting the facts right

• Why smart money decisions usually sound boring but work anyway

This Episode Is For You If:

• You've ever heard money advice and thought, "Wait, people actually believe that?"

• You're tired of conflicting financial wisdom and want validation that some of it IS terrible

• You've been burned by advice that sounded good but cost you money

• You want to hear smart people argue about what actually works versus what just sounds good

• You've been with us since episode 1, or just wandered into the basement and want to celebrate

This episode is a love letter to Stackers who question conventional wisdom and trust their gut when advice doesn't add up. It's loud, opinionated, funny, and packed with reminders that the best financial moves often start by ignoring the advice everyone else is shouting.

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