Our Advice For Beginning Investors and Recent Graduates (SB1679)

Your burning questions fuel this episode! Joe Saul-Sehy, OG, and special guest Christine Benz of Morningstar unpack some of the biggest questions facing investors today—especially those just starting out.

We kick things off by diving deep into target date funds. They promise simplicity—but do they deliver long-term results? We explore when they work, when they don’t, and what you should consider if they’re part of your portfolio.

Then Christine shares a graduation-season masterclass in financial advice:

• How to begin investing, even when you feel behind

• Why lifestyle creep is the silent killer of wealth

• The importance of building habits now that will serve you for decades

• Resources and reading recs that can actually move the needle for new grads (and not-so-new grads)

We also answer listener questions on:

• Whether refinancing your mortgage is still a smart move

• How global shifts in labor and supply chains may impact your finances

• And why it’s time to give your favorite retirement calculator a second look

And somewhere in all this… someone may or may not reveal a dream dinner scenario that involves a pair of country music legends. But, you know, that part probably didn’t happen. Probably.

Whether you're just graduating, recalibrating, or rethinking your strategy entirely, this episode is your invitation to stack smarter—and have a little fun while you do it.

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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