The Stacking Benjamins Show Why You Feel Broke Even When You're Doing Everything Right (SB1761)
10 snips
Nov 14, 2025 
In this conversation, Erin Lowry, author of Broke Millennial, shares her journey to financial stability, while Paula Pant, creator of Afford Anything, emphasizes the importance of earning more through side hustles. Greg McFarlane, author of Control Your Cash, offers blunt insights on personal finance. They discuss why some families feel broke despite saving, the systemic issues with big banks, and unusual ways to make extra money. Expect laughter and practical advice that transforms the way you think about income and budgeting!
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Saving Alone Doesn’t Solve Income Instability
- Many families who diligently save still struggle because income instability and short-term liquidity dominate their finances.
- Erin notes most of their cash is earmarked for needs within six months, not long-term goals.
Prioritize Earning More Over Extreme Frugality
- Do focus on increasing your income through side hustles, freelancing, or a second job when cutting costs hits its limit.
- Paula and Erin both recommend earning more as the primary lever for lower- and middle-income households.
Live On Last Month’s Paycheck
- Do live off last month's income to avoid overspending when paychecks fluctuate from freelancing.
- Erin uses zero-sum budgeting to smooth irregular freelance income and prevent cash shortfalls.
