Why 401(k) loans are risky when unemployed

Nobody plans for their finances to get tight. But here you are, staring at your bank account, wondering if you should panic now or wait until next Tuesday.

Joe Saul-Sehy, OG, and Neighbor Doug are here to talk you off the ledge—and give you an actual plan for when money gets squeezed. Whether you're facing a layoff, dealing with reduced hours, bracing through a government shutdown, or just trying to make your paycheck last until payday, this episode is your financial storm shelter.

The good news? You don't need to have everything figured out perfectly to make it through. You just need to know what to do first, what can wait, and how to keep your head (and your budget) together when everything feels uncertain. From building an emergency fund that actually works for your life to eating well on a ramen budget (spoiler: it's possible), this crew breaks down the practical moves that keep you afloat.

Plus: Doug delivers trivia, the gang tackles the Voices for Good Charity Challenge (because even in tough times, small acts of giving matter), and they dissect a TikTok money tip that's... well, let's just say not all financial advice should be followed.

What You'll Walk Away With:

• The first three moves to make when money gets tight—before the panic spiral starts

• How much emergency fund you actually need (hint: it's probably less than you think to get started)

• Budget-friendly tactics for groceries, utilities, and keeping yourself fed without living on instant noodles

• What to do about insurance and loans when cash flow slows down (and which mistakes cost you later)

• Why small acts of generosity matter even when you're struggling—and how they help you too

• A reminder that financial storms are temporary, but the skills you build weathering them last forever

This Episode Is For You If:

• Money feels tighter than it used to and you're not sure what to do about it

• You want to build a safety net but don't know where to start (or how much is "enough")

• The economy feels shaky and you want to feel prepared instead of panicked

• You're tired of generic advice like "just save more" and want actual tactics

• You need a pep talk wrapped in practical wisdom—because optimism without a plan isn't helpful

FULL SHOW NOTES: https://stackingbenjamins.com/the-importance-of-emergency-funds-1756

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!

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