AI’s Coming for Your Job? How to Outwit the Robots (SB1699)

Summary

The Stacking Benjamins Show: AI’s Coming for Your Job? How to Outwit the Robots (SB1699) – Detailed Summary

Release Date: June 23, 2025
Hosts: Joe Saul-Sehy and OG
Podcast Network: StackingBenjamins.com | Cumulus Podcast Network

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Introduction

In this episode of The Stacking Benjamins Show, hosts Joe Saul-Sehy and OG delve into the pressing topic of artificial intelligence (AI) and its impact on the job market. Titled "AI’s Coming for Your Job? How to Outwit the Robots," the episode explores the fears surrounding AI-driven automation, the opportunities it presents, and strategies to adapt in an evolving employment landscape.

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1. AI and Job Security

Discussion Highlights:

• AI's Threat vs. Opportunity: The hosts examine the common fear that AI will render many jobs obsolete. However, they present a balanced view, suggesting that while certain roles may change or diminish, AI also creates new opportunities and enhances productivity in various sectors.

Notable Quotes:

• Joe Saul-Sehy [03:09]: "Is AI stealing your job? We'll find one segment of the population who says the opposite is true."
• OG [05:32]: "I can't switch hands and pat my head. But can AI outwit humans in multitasking like that? Absolutely not."

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2. AI in Different Industries

Discussion Highlights:

• Gen Z's Adaptation to AI: Referencing a Business Insider article, the hosts discuss how Gen Z entrepreneurs are leveraging AI to enhance their businesses rather than being replaced by it. The example of Zachariah Osborne, a young landscaping business owner, illustrates how combining human skills with AI tools can lead to success.

Notable Quotes:

• Joe Saul-Sehy [09:56]: "Gen Z has figured out what AI is good at and what AI is not good at. Instead of losing a job to AI, OG has done a job that AI will never be able to do."
• Doug [10:45]: "He's using AI for his advertising, for his marketing, to help out with his business questions."

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3. AI and Data Privacy

Discussion Highlights:

• Data Harvesting by AI Chatbots: The hosts shed light on the lesser-discussed downside of AI—data privacy. Drawing insights from a CNET article by Lance Whitney, they reveal how most AI chatbots collect and store user data, with platforms like Meta and Google Gemini leading in data collection.

Notable Quotes:

• Joe Saul-Sehy [28:05]: "Most AI chatbots devour your user data. Meta is stealing so much of your data every time you use their free AI-powered chatbot."
• OG [29:24]: "You click that button willingly."

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4. Headlines and Articles

Business Insider – Gen Z and AI:

• Summary: Focuses on how Gen Z is successfully integrating AI into their business models, using it as a tool to enhance productivity rather than viewing it solely as a threat.
• Key Point: Young entrepreneurs are identifying areas where AI can assist, such as marketing and operational tasks, allowing them to concentrate on unique human-driven aspects of their businesses.

Forbes – AI Job Creation:

• Summary: Discusses predictions from the World Economic Forum indicating that AI will create 78 million jobs globally, offsetting the potential job losses due to automation.
• Key Point: The dynamic nature of capitalism ensures that while certain jobs may disappear, new roles and industries will emerge, driven by AI advancements.

CNET – AI Stealing Data:

• Summary: Highlights the alarming extent to which AI chatbots collect user data, emphasizing the need for users to be cautious about the platforms they engage with.
• Key Point: Free AI services often come at the cost of user data privacy, with major companies like Meta and Google Gemini being significant data harvesters.

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5. Listener Questions: Hiring Financial Advisors

Caller: John
Question: "What questions should I ask when trying to hire a financial advisor?"

Discussion Highlights:

• Preparation: Hosts emphasize the importance of understanding one's own financial needs and expectations before seeking an advisor.
• Key Questions to Ask:
  • Credentials and Expertise: "What designations do you hold? What is your area of specialization?"
  • Fee Structure: Understanding how advisors are compensated—whether through commissions, hourly fees, or a percentage of assets.
  • Communication: "When should I expect to hear from you? How often will we communicate?"
  • Fit and Trust: Ensuring the advisor aligns with your personal values and financial goals.

Notable Quotes:

• Joe Saul-Sehy [37:57]: "Go in with specifically what you are looking for and then match that up first."
• Doug [38:55]: "Don't allow yourself to fall into the trap of playing stump the jump with financial advisors."

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6. Trivia Segment: Currency Origins

Host: Doug
Trivia Question: "Which denomination of coin did Victor D. Brenner design that uniquely features the designer's initials?"

Answer: The 1909 Lincoln penny. Victor D. Brenner included his initials "VDB" on the coin, making it the only U.S. coin to feature the designer's name.

Notable Quotes:

• Doug [30:02]: "Which denomination of coin did this narcissist decide deserved the equivalent of a 1909 selfie?"
• Joe Saul-Sehy [33:21]: "If you said it was the 1909 Lincoln penny, you'd be Correct."

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7. TikTok Minute: The Dating Dilemma

Discussion Highlights:

• Topic: Exploring the challenges of the modern dating scene, especially regarding the cost and frustration of finding the right match.
• Example: Michelle, a listener, shared a TikTok about the expense and difficulty in dating, which the hosts found both relatable and humorous.

Notable Quotes:

• OG [34:31]: "Going on a second date because this person's favorite band is U2. So in other words, you still haven't found what you're looking for."
• Doug [35:09]: "U2 was just amazing. There was an IMAX movie of a U2 concert."

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8. Community Feedback and Calls

Highlight:

• Shane Spinner: Commented on Doug's remarks about the Pontiac Aztec, sparking a light-hearted debate about the car's features and legacy.

Notable Quotes:

• Doug [52:43]: "It's the car version of a mullet in the front, party in the back."
• Joe Saul-Sehy [53:40]: "Shane, your photo of that car looks to be in great shape."

Jimmy O'Brien: Shared his experience in the trades, emphasizing the lucrative opportunities in blue-collar jobs and the scarcity of skilled workers.

Notable Quotes:

• Doug [54:38]: "We have jobs across the whole United States that are hurting for people... The money's out there if you go get them."

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9. Final Thoughts and Takeaways

Key Lessons:

• Embrace AI as a Tool: Instead of fearing AI, leverage it to boost productivity and focus on uniquely human skills.
• Data Privacy Awareness: Be cautious about the AI platforms you use and understand their data collection practices.
• Adaptability is Crucial: The job market will continue to evolve with AI advancements, and staying adaptable is essential for career longevity.
• Building Relationships with Advisors: Selecting the right financial advisor involves assessing compatibility, expertise, and communication styles to ensure long-term financial well-being.

Notable Quotes:

• Doug [56:15]: "Take some advice from our headline. By learning more about AI, you'll see how it can actually help you do more."
• Joe Saul-Sehy [57:14]: "Only should you not take advice from these nerds, don't take advice from people you don't know."

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Conclusion

In this insightful episode, Joe and OG provide a comprehensive overview of the complex relationship between AI and the workforce. They encourage listeners to view AI as an ally that, when understood and appropriately utilized, can enhance careers and personal businesses rather than threaten them. The discussion is enriched with real-life examples, expert articles, and engaging community interactions, making it a valuable listen for anyone navigating the intersection of technology and employment.

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For more information and to listen to the full episode, visit StackingBenjamins.com.

Transcript

[Joe Saul-Sehy]

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[Doug]

We cover all your bases. Yes, wherever you are, it's probably beautiful.

[OG]

There's super nice where you are.

[Joe Saul-Sehy]

There's a podcast I listen to and they're like we don't know what day you listen to this. So he started to kind of Doug mash all the days together and it became a thing on this podcast they always say for the week of Schmer's Day, just stick them all together. Saturday, Sunday, Monday, Tuesday, Wednesday, Thursday, Friday. In case you don't know what all the days of the week are, another podcast I listen to says Happy Nonspecific time of the Day everyone. So we could do both of those for the week of Schmer's Day. Happy nonspecific time of the week. Let's raise our glasses on this non specific day that you people might be.

[OG]

Listening to you by fairlight.

[Joe Saul-Sehy]

On behalf of the men and women at Navy Federal Credit Union and the people that love chocolate milk. That's what a protein.

[Doug]

It's funny that he pours his boost into a Fair Life container so it looks makes him look younger.

[Joe Saul-Sehy]

Did you do you say booze? He pours his Booze into a FairLife container for this non specific early time of day. And I've got the mug that lights up Doug. I've got the Taquamenon Falls mug.

[Doug]

Oh, yeah. It gets me going every time.

[Joe Saul-Sehy]

Yep. My. My Michigan tourist mug. So on behalf of the men and women making podcast, to Mom's basement and the men and women at Navy Federal Credit Union, here's to our troops and to our veterans, people that have served our country. Thanks for all that you do. Let's go stack some Benjamins together, shall we?

[Doug]

Thanks, everybody.

[OG]

I've got a four bedroom house in a great community. Like my car. It's new. I even belong to the local golf club. How do I do it? I'm in debt up to my eyeballs.

[Doug]

Live from Joe's mom's basement, it's the Stacking Benjamin Show. Foreign Doug. And is AI stealing your job? We'll find one segment of the population who says the opposite is true. How can you lean into AI? We'll tackle that today. Plus, while we might dispute whether AI is great for your career, we will tackle one task that AI is great at. Stealing your data. Plus, we'll answer a question from one stacker who thought, you know, I'd better call Saul. See?

[Joe Saul-Sehy]

Hi.

[Doug]

And OG John wants to know what questions he should ask when trying to hire a financial advisor. And that's not all. I'll also share a TikTok minute about dating life. And then I'll share some incredible money themed trivia. And now two guys who treat their 401k like a houseplant. You guys just buy it at the store and like water it once and hope it works out. And now two guys who treat their 401k like a houseplant. Set it and forget it and just watch it grow. It's Joe and. Oh, J.J. juju G.

[Joe Saul-Sehy]

Hey there, stackers. Happy, happy Monday. You are in for a phenomenal next hour. Man, that sets a bar high, doesn't it? You're in for a pretty darn good. I should do that. It's gonna be great. We're gonna have some fun. We're gonna talk money. And what's more fun than talking AI with two guys who definitely could never be replaced by AI, Doug and OG how are you, og?

[OG]

I'm great. Yeah. Watched a little golf, shaking his head.

[Doug]

Sideways and saying positive things.

[Joe Saul-Sehy]

See? Because AI would never do that. Yeah, I wouldn't do that.

[Doug]

He zigged when he thought he was.

[Joe Saul-Sehy]

Going to zag and go with it. Yeah, it is constantly rubbing my tummy.

[OG]

And patting my head at the same time. Beat, beat that chat. GPT.

[Joe Saul-Sehy]

I don't mean to brag, but I can pat my t, rub my tummy and pat my head.

[OG]

Can you guys do it? Can you guys do that with. Everybody can do that if you concentrate. But can you do it with both hands? Can you switch hands and do it? I can't.

[Joe Saul-Sehy]

Probably not. Doubt I can.

[OG]

Doug's ambidextrous.

[Joe Saul-Sehy]

But what I can do is talk about a big headline about AI we can answer a listener call. We're gonna have some fun today. It's gonna be good times. So let's get into it. We got a big headline today. As Doug, you so eloquently said earlier, we're gonna dive into that in just a moment. But before that, we got a couple sponsors that make sure we can keep on keeping on. And you don't pay a penny for any of this. Goodness. Pinch yourself. We're gonna listen to a couple of their messages, and then we're all about AI Something AI is really good at and something AI is not that great at. Let's go. This episode is brought to you by Navy Federal Credit Union. With rising house prices and steeper mortgage rates, we know homeownership may seem too expensive to be achievable. But that's why we offer a Home Buyer's Choice Loan that can open the door to affordable home ownership. Our Home Buyer's Choice Loan is no down payment options available, which means you don't need to wait years to save money. And with our no refi rate drop, you may be able to lower your rate in the future without refinancing. Plus, most lenders require borrowers to purchase private mortgage insurance unless they can make a 20% down payment. We don't require PMI. Finally, we offer fixed payments, so your monthly payment will always be the same. So if you're looking for your first home or your next home, you. You can open the door with the Navy Federal Home Buyer's Choice loan. Visit navy federal.org to learn how you can achieve home ownership. Navy Federal Credit Union. Our members are the mission. Terms and conditions apply. Equal Housing Lender Loan. Subject to approval and eligibility requirements. Learn more@navy federal.org I know personally that debt isn't just about money. It's about stress and sleepless nights and that constant weight on your shoulders. It can affect your relationships. It can shred your confidence. Truly. It can overshadow your whole life. So know that if you've ever felt any of that, you're not alone. There are millions of Americans struggling with debt. But there's a solution that can help Beyond Finance was founded with a simple mission to help those struggling with overwhelming debt find a pathway to financial freedom. They can help you escape that endless cycle of making just minimum payments. Typical Beyond Finance clients see their payments on enrolled debt lowered by 40% or more. So you can expect immediate relief and the chance to start saving. The team prioritizes a hands on compassionate approach coupled with a focus on helping you get out of debt as soon as possible, save money and establish long term financial well being. They offer personalized 24. 7 support and financial wellness sessions with accredited financial therapist and you know you're in good hands with a trust pilot rating of 4.6 out of 5 stars. So if you're ready to take that first step or learn more about achieving financial wellness, visit Beyond Finance.com not available in all states. Fees vary by state. Results may vary.

[OG]

Hello darlings. And now it's time for your favorite.

[Joe Saul-Sehy]

Part of the show, our Stacking Benjamin's Headlines let's begin with a headline about something where AI is not doing things as well as A lot of people think AI is destroying jobs. A lot of people think that. But Gen Z has found a safe haven. This is from Business Insider, written by Amanda Hoover and Amanda writes Two years ago, Zachariah Osborne sat down to fill out the common application for college. He dreaded going to school and sitting at a desk all day, but he'd always done well, so an undergraduate degree seemed like a no brainer. His parents had pushed it too, but staring down the application at midnight one night during his senior year, Osborne decided to scrap the plan. Quote I felt like a fraud. He didn't know what kind of career he wanted, didn't have the money for college. Instead of taking out student loans and spending a few semesters partying and soul searching, he decided to focus on growing his landscaping side hustle into a full time business. Now at age 20, he's the owner of Z's Exterior Services, which does lawn care, mulching, power washing and other landscaping services in Northern Virginia. He's hired a handful of full and part time employees and his plans to continue expanding. And he says he still gets a taste of the college experience when he visits his girlfriend.

[OG]

So is there a contention that they solved the AI taking your job problem by just not doing anything that AI can do?

[Joe Saul-Sehy]

Basically, yes. Here's the cool thing about Gen Z is what Gen Z has done. If you dive further into this piece, Gen Z has figured out what AI is good at and what AI is not good at. Instead of losing a job to AI og What he's done is he has done a job that AI will never be able to do. And he's using AI for his advertising, for his marketing, to help out with his, with some of his questions around how to run a business. So he's actually implemented AI into his business because he's comfortable with AI. He knows the nooks and crannies, as mom says, about where AI is great and where he's not going to compete and where AI is not great. And he's able to then dive in and actually use that to be even.

[Doug]

More productive until the commercial grade lawnmowers come in that have AI Robotics built into them.

[Joe Saul-Sehy]

But then he's got the next thing. So what you're saying then is that AI is going to take all our jobs? Is that what you're arguing?

[Doug]

No. And it is cool that he found a way to merge the two to where it's not currently dominant and you know, in the, in the landscape industry and in more manual tasks and use it for things that allow him to focus on that. Yeah, that part's cool.

[Joe Saul-Sehy]

This has happened with every single change we've had and given. AI is a huge change. But the huge amount of fear we have around AI, I think you just have a choice. Your choice is embrace it and find out where the spots are that you can use it to excel and get ahead or you go crawl in a corner and go, my life is over. Things are done like, I am cooked. And clearly this kid decides on.

[OG]

Yeah, he chose that path. I, I was going to say, I definitely think that, you know, that's kind of the two extremes. Like, oh, well, I guess I can never dot because the robots are coming. I happen to think that all it's going to do is raise our productivity to the next higher thing. It's like, if I can get something. I just saw something the other day, as a matter of fact, for this, there's a washing machine. Maybe this is just not news to anybody else but me. There's a washing machine that washes and dries in the same thing, you know, so you don't have to like go get it.

[Doug]

Those have been around forever.

[Joe Saul-Sehy]

Yeah, I've never heard of it.

[OG]

You haven't either, Joe.

[Doug]

Oh, they've been in Europe for never.

[OG]

I don't live in Europe. Maybe more Dougie. So. Dude.

[Doug]

And they suck.

[Joe Saul-Sehy]

What is up with Doug today? No matter what we talk. Oh, until the next AI takes your job.

[Doug]

Yeah, you guys, I've heard of all this.

[OG]

My thinking on it was, I don't remove two devices for one. I have two devices that do twice as much so I can do two loads of laundry at the same time and it's done. And, you know, so I don't think about these tools, whether it's a tech tool, like an AI that can write something or research something or provide some counsel on different things as a replacement. I think of it as like just another arrow in the quiver and just another thing that I can use to increase my productivity or increase my free time. You know what I mean? It's like I can take away this $5 an hour job and give it to this robot that'll do it for 20 bucks a month, you know, chatgpt, and then I can go do whatever I want to do. I can be healthier, I can work out, I can find that time to do whatever. That's the key part of this, however, is that if you just take all of your free time or all this time saved. The premise of all of this is that we're going to have this huge productivity boost, which I think we will. But that's assuming that you take this free time, this newfound time, and actually use it for good and not for being a sloth.

[Doug]

Yeah, Joe, I know I sound contrarian, but I couldn't be more on board with what OG just said and what you were kind of alluding to earlier. I mean, the Luddites are a great early example of this. In the early 1800s, like 1810, somewhere in there, they were textile workers who were incredibly opposed, terrified of the new automated mechanical weaving looms. Automated looms. Looms in that industry. And so they decided to. What's the word I'm looking for? Forsake all kinds of automation and any sort of mechanism. Talk about sticking your head in a hole. No, every kind of advancement we've created for ourselves in the last 300 years has just led to the evolution of a next set of jobs that didn't exist 30 years prior to that. I'm totally with you, OG on this end, and I think you too, Joe. I was just trying to go for the easy joke because that's my job.

[Joe Saul-Sehy]

What's interesting about this, there is actually, you got to stick with me for all three of these next dominoes that this piece goes into. It says a survey from early career site handshake found that 62% of college seniors who were familiar with AI tools said they were at least somewhat concerned that rising automation via AI would affect their career prospects. That's up from 44% just a couple years ago in 2023. So 44% up to 62% of college seniors going, yeah, I don't know, it looks, it looks sketchy. What's interesting is at the same time, blue collar jobs. We talked about this a couple of weeks ago on a headline, some of which pay a stable six figures are starting to look more like an oasis. And then you scroll down just a little further and listen to this. And just as the need for workers in renewable energy, commercial and home construction and public infrastructure is expected to rise, thanks to projects like the Bipartisan Infrastructure act and a global investment in new energy sources, home prices are soaring in part thanks to construction worker shortages and wages for those workers is up. So what's happening? This is, this is capitalism, guys at work. This is totally capitalism at work. We find a way to plug all these holes in areas that were high paying jobs and now don't need to be because automation can take those. And what do we have? We got this problem with housing. I mean even when, when Peter Mallouk was on, he was talking about how, man, I don't know how the housing shortage isn't going to solve itself anytime soon. Now we've got a deal where college prices are through the roof. There's a job AI can't do, which is these blue collar construction jobs. They pay really, really well. And now the funnel OG begins to flow into the that area where people can use AI when it's needed. Technology when it's needed. Like we said a few weeks ago when Len Penzo was hanging out with us, there's still going to be a lot of technology on these jobs. Now that didn't exist 20 years ago, but we could see the housing shortage and far quicker than we thought because of AI as a, not a direct result, but as a end around.

[OG]

Well, I don't know whether it's housing, I'm not an expert and able to speak on that, but it's like, it just seems to me that anytime that you can do something more accurately and more better, faster, obviously it's going to be helpful and it's going to raise all the productivity of that thing. I mean, using housing as an example, at one point in time you had to manually fill out your permit, you had to get out a paper and a pencil and a protractor and you know, and figure out how many linear feet of lumber you needed by using a calculator. And now you design the house one time and you go, is this good? Mr. And Mrs. Client you know, you design it on a computer. You don't use any. You know, the computer calculates instantaneously how much tile you need or hardwood or, you know what I mean? Like, like how much faster is that process? It's taking away all of that. And yeah, so I think there's no way for us to predict, and we can guess, I suppose, but there's no way for us to predict what the next evolution of this is going to be. And you're seeing some of this in housing, right, where they're manufacturing housing using the AI tools that literally just map the outside of the house, make the two layers of the house and fill it with concrete. It just does the border of the, of the home and it's fire resistant and, you know, all that sort of stuff. So there's stuff that we don't have any idea. I think for me, the lesson for AI that I've really kind of thought about over the last, I don't know, eight months or so has been that whenever I see something new that's happening, I want a piece of it. Meaning, like, I want to just go play around with it just for a little bit. Not because I'm an expert in technology or anything, but I know that that thing is also going to change. Like, there's so much evolution going on in just the LLM space of like ChatGPT and whatever that it's hard to keep up with that. And you take these other tools. I bought this thing the other day, I think I showed you guys. It goes on the back of my phone. It looks like a wallet, right?

[Joe Saul-Sehy]

Yeah.

[OG]

You put it on the back of your phone and if you're on a call on your phone, not on your AirPods, but on your phone, you can like click the button and it will, with the vibrations of the headset, you know, that earpiece that's built into it, it can tell what the other person is saying and can transcribe and summarize the call. Or if you're in a meeting, conference or something, you can just set this thing down. It's on the back of your phone. It doesn't. It's not like this big recording device that you're like cranking up. You just set it on your phone and it can get all of the speakers and all the content, transcribe it and put it into a summary. What is that going to do for college kids? I've got a college kid coming. Like, you don't have to take notes ever again. Like, how awesome is that? Like, what does that mean. Does it mean that he gets to skip class? That could be the negative side.

[Joe Saul-Sehy]

Well, he's still going to have to listen to it at some point, right?

[OG]

No, I know, but I'm saying, like, or can you really focus on the thing? Cause you're not focusing on trying to type in the notes while you're hearing it. You can actually pay full attention, going, I know that I've got this device that's a backup.

[Doug]

You could be out mowing lawns while your device is in class. And then you can sort of do class at night. It's like the modern version of night school. You're earning money and doing your stuff at night.

[OG]

So complete. You know, this is an evolution that's happening in all spaces, including education. And you talked about the higher costs or rising costs of education. I found out the other, I don't know. A couple weeks ago, I was talking to somebody who was re. Entering the school world, hadn't completed a degree, wanted to kind of knock it out. Was just like, I got to do this, you know, I got to be this 30 year old that goes back to college. But in talking with the counselor at the university that he was enrolling at or trying to enroll at, the counselor said, listen, all of these entry level classes that you need to get done, a lot of people just go to community college. He's like, yeah, yeah, I know. I probably do that. She said, no, there's a way better way. Now there's a program, and I don't remember the name of it, somebody will know it, where it's a monthly fee for college and you can take as many tests and as many classes and as many subjects as you want.

[Joe Saul-Sehy]

Oh, sweet.

[OG]

Any pace that you want for that monthly fee.

[Joe Saul-Sehy]

Great idea.

[OG]

If you're like, I don't need to be in class 24 times to read this textbook and take this test, I'm happy to do it this weekend. For your monthly fee. You can just go, I'll just read this textbook, I'll take the final exam, take it on Monday, class done, boom, move on.

[Joe Saul-Sehy]

And then life gets really busy for a few weeks. You can take time off and not worry about missing stuff.

[OG]

Yeah, it's 100% on your pace, and it's something really obnoxiously stupid. Like a hundred a month or something. It's not like, you know, wow, it's $10,000 a month. You know, you got to really burn through it. No, no, no. It's like a hundred a month. You just, you know, it's like Khan Academy or something, but it's not through Khan. But anyways, my point is, is that there's evolutions coming in all of these things because I think we're recognizing that the skill set is more important, you know, the outcome or the product. The what can you provide is more important than saying, did you actually sit in this room 36 times in the last five months to prove to me that you know it? Or can you just prove to me that you know it?

[Doug]

We can all sit back and bitch about it and complain that it's taking away opportunities. That's not going to stop it. No matter how much you post online or how much you complain about it to your friends, you're not stopping that evolution from happening. So spend your energy figuring out how to adapt to it.

[Joe Saul-Sehy]

Here's actually, I'm glad you said that, Doug. Just amazing with the pivot because let's spend just a couple seconds on this piece from Forbes, because that's the next question is will it actually kill it? This is written by Eli Amdur. According to the world economic forum, AI will create 78 million jobs, guys. After that is after job losses are factored in.

[OG]

Yeah.

[Doug]

Wow.

[Joe Saul-Sehy]

It will create 70. The World Economic Forum. So what's funny is in this piece, eli writes, if 100 million jobs, maybe more, created by AI isn't good enough for you, and he's going to talk about why he thinks the number is higher than 78 million, then it might be a good idea to either A, learn from history and rethink this matter, or B, quit reading this column right here and suffer the consequences of those who say, don't confuse me with the facts. My mind's already made up.

[Doug]

Right?

[Joe Saul-Sehy]

And I know there's a lot of people going, oh my God, it's stealing our jobs. It's taking our the jobs are going to move. The jobs are clearly going to move. Which is why OG I love what you said about I just want to play around with it. It's a lot less scary if I play around with it. If I get to know it, if I find out what it does and what it doesn't do, it's pretty amazing. I started several months ago, I'm going to say eight or nine months ago on Masterclass. I'd already been playing around with AI, but I took Masterclass as a great introduction to AI. So for anybody out there that has and I know there's you could probably get this in a lot of different places, but learning about I give you.

[OG]

A Masterclass in AI, that's true.

[Joe Saul-Sehy]

Learning about what it's good at, what it's not good at, it's fantastic. But for a guy that didn't know AI very well at that time, I wasn't going to have AI.

[OG]

Did you guys hear that Bill Gates, a couple of, I don't know, two months ago or whatever, Bill Gates said that he thinks in 10 years, the average work week will be two days a week for most humans because AI will take over most things. That's pretty aggressive.

[Joe Saul-Sehy]

That is pretty aggressive because I read a piece yesterday with attorney workloads and talking about how AI has not slowed down their work week. It's made the boss woman, boss man, go, guess what? You cannot work out. You can do more now 30 cases instead of 15.

[OG]

That's what I'm talking about, about productivity increases. You know, you take the lawyer that's billing 400 bucks an hour, like you want that person to be only billing 400 an hour. That's where all the money is made. The money is not made when they're, you know, researching stuff or when they're. When the associate is doing, you know, go get me all the files from the courthouse so I can read all that crap. There's no value creation there, right? That's just transferring information. The. You want the $400 an hour person to be, like, thinking on $400 an hour tasks. And when you can say, I need all of this case stuff summarized into two pages so I can know what's going on. And it used to take three associates two days to read all the stuff, write all the reports, and then, and then give it in. And now you can just press a button and get it in 10 seconds. You either eliminate those people. To your point about, like, job loss, they're either gone or you go, guess what, guys, we don't need you to do that anymore. You're smart lawyers. We need you thinking about the next thing. You're smart doctors. We don't need you to, like, sit here and write out prescriptions. We can press buttons and write prescriptions. We need you to think about how to solve these bigger problems.

[Doug]

Right? Because if a company were to do what everybody fears, that means they're giving up on revenue. And no company is ever going to do that. They're going to find a way to use that productivity to increase revenue, not reduce revenue.

[Joe Saul-Sehy]

You know, it's interesting talking about that. I was just thinking about my early days as a financial planner as an example. And I remember being in a nog, You Even remember this from the early days, developing a financial plan with a client meant you would build out the financial plan on the software. You would hit print, you would then go down to the copy room and you get the stuff. Meanwhile, while it's printing out very slowly on this printer, you're grabbing a three hole punch, you're grabbing a three ring binder off the shelf. You open up the three ring binder, you three hole punch the stuff, you look through it, there's two mistakes. You chuck all that. Right. That all goes into recycling. And then you start over and you do it again. And you three whole. Just think about today how ridiculous that sounds. Right?

[OG]

Well, I remember. Yeah. And I know you remember this too, Joe. I remember the software that we had at American Express was really quite awesome.

[Joe Saul-Sehy]

It was very robust.

[OG]

Yeah. You'd put all the data in and then you'd hit the solve button and it would do all the calculations. But while you hit the solve button, you'd hit solve and then go get a cup of coffee and talk to your buddy. And then you come back and go, oh, only two minutes to go.

[Joe Saul-Sehy]

Cool, perfect. That's right.

[OG]

And then it would pop up. You'd go, oh, crap, I forgot about their old 401 that they left at Ford. I got to put that in solve again. And now we do that stuff in real time with people.

[Joe Saul-Sehy]

Yeah. No financial plan. Every financial planner is like, I don't have time to go three hole punch stuff. Are you kidding me?

[OG]

Taking 12 minutes to do the play digital and. Yeah, absolutely.

[Joe Saul-Sehy]

AI. I think the lesson there is it's here to stay.

[OG]

Is that your prediction?

[Joe Saul-Sehy]

This AI thing might not be a fad.

[OG]

It might.

[Doug]

Exactly.

[OG]

It might stick around.

[Doug]

You heard it here first, folks.

[Joe Saul-Sehy]

AI might not be stealing your job. So that's the thing that it's not as good at as we thought. We led with that. What's it good at? What it's not good at? Not good at stealing your job. It turns out your job may move. But the good news is, is for the foreseeable future, use a job. Let's. Let's tell you what AI actually is good at. This is from cnet and this is written by Lance Whitney. Most AI chatbots, is this going to come as the shock og you ready? Ready. Doug. You guys buckled in? Most AI chatbots devour your user data. These are the worst offenders. They are actively out there as you're using their AI, stealing your data. And guess which one is worst and which one is generally best when it comes to not stealing your data.

[OG]

I know. It also matters if you're paying for it or not.

[Joe Saul-Sehy]

Yeah, well, co pilot from the free versions that are out there according to cnet, has proven so far to be the least offensive. Doesn't mean it's going to be tomorrow, but so far, Copilot, the Microsoft product, the least offensive. Not as a shock to anybody, the most. The most. According to the site surfshark, which is a data protection platform, it turns out that Meta Meta is stealing so much of your data every time you use their free AI powered chatbot stuff, taking it and storing it away so that they can use it on you later. Next on the list behind Meta is Google Gemini. Collects 22 different data types. By the way, Meta scoops up 32 out of 35 possible types. They looked at 35 different types of data they can steal 90% of them. Meta, Google, Gemini, 22 different and ChatGPT looking at maybe 15% of your data and storing it away. There's a few that are better by the way, than Chat, GPT and Copilot. That's among the ones that are most used. Jasper, which I've never used before, Grok, Prosperity and PI listed as stealing less, collecting less of your data, not stealing because you're giving it to the platform.

[OG]

You click that button willingly.

[Doug]

Yeah, I understand the eula.

[Joe Saul-Sehy]

Yeah.

[Doug]

So let's go.

[Joe Saul-Sehy]

Watch out. Just because it acts like your friend, looks like your friend and you absolutely love it and it's okay to say thank you to the AI, it's thanking you back by storing away your data and sending it someplace you may not want. All right, we'll dive more into those headlines in our 201 newsletter. Stacking benjamin.com 201 always free, always delivered fresh to your inbox. Once a week we'll continue this conversation and many like them there. But for now, I think it's time for us to move on to most.

[Doug]

Important part of the show. Joe. Hey there, Staggers. I'm Joe's mom's neighbor Doug, and remember I told you that today we're featuring some money themed trivia. Well, that's right, today we're talking about currency, which I just found out is not a term about the direction of ocean currents. It actually means money. While you'll see treasury secretaries names on US bills, you've never seen a creator's names on a coin except for one. And that coin was minted way back in 1909. Victor D. Brenner designed the coin and included his initials VDB alongside all of the other notable symbols in writing. So here's the question. Which denomination of coin did this narcissist decide deserved the equivalent of a 1909 selfie? I'll be back right after I figure out how to actually take a selfie. How do you make the pictures come out on the other side? Every time I flip the camera around, I'm getting like the top of my head. Never figured out how that works.

[Joe Saul-Sehy]

Small Business Owners Stay farms there with small business insurance to fit your specific needs Whether you're starting a new venture or growing an existing one, State Farm helps you choose the right coverage to protect what matters most. Working with a local State Farm agent helps you understand your coverage options, offering local support to help you achieve your goals. Focus on turning your passion into a thriving business, knowing your insurance can change as your business grows. Stay Farm here to help you succeed with your business. Like a good neighbor, State Farm is there As a contractor, I don't pay for materials I don't use, so why.

[OG]

Would I pay for stuff I don't need in my mobile plan? That's why the new My Biz Plan.

[Joe Saul-Sehy]

From Verizon Business is so perfect. Now I can choose exactly what I.

[OG]

Want and I only pay for what I need right now with my biz plan. Get our best price as low as $25 a line. Visit verizon.combusiness to get started today. New lines only. Price per month with five plus lines includes auto pay and paper free billing and promotional discount, taxes fees, economic adjustment charge applicable. Add ons prices and terms apply. Guarantee applies to base monthly rate and stated discounts only. Add on prices Additional offers in June 30, 2025 I think you're on mute. Workday starting to sound the same. I think you're on mute.

[Doug]

Find something that sounds better for your career on LinkedIn.

[OG]

With LinkedIn job collections, you can browse curated collections by relevant industries and benefits like FlexPTO or hybrid workplaces so you can find the right job for you.

[Doug]

Get [e-mail] jobs finding where you fit.

[Joe Saul-Sehy]

LinkedIn knows how.

[Doug]

Hey there stackers. I'm camera flipper and guy with a new hobby, Joe's mom's neighbor, Doug. Way back in 1909, Victor D. Brenner decided, you know what this coin needs to make it perfect? My initials. That's how the coin he designed became the only US Coin in history to feature the name of the designer. But what coin was it? If you said it was the 1909 Lincoln penny, you'd be Correct. And now finish patting yourself on the back before you injure your rotator cuff because it's time to get back to Joe and og.

[Joe Saul-Sehy]

I wonder if he was told, Doug, that he could do that or if he just said, you know what I'm gonna do? I'm putting my initials on this damn thing.

[Doug]

Nobody said I couldn't.

[Joe Saul-Sehy]

I know. You know, I do this non profit work building trails around town and my favorite trail called the Knicks Creek trails, this beautiful, beautiful trail. But the story about this trail was the parks director never got it approved. He just had this asphalt.

[Doug]

He had a little.

[Joe Saul-Sehy]

He had a little money and he made it and he begged forgiveness. And it might be the best. It's the first trail that was in Texarkana, and it may be the best one still today. But by all stories, I heard this dude just went, yeah, we're making a trail. So same same thing. The guy's like, you know what? It's my coin. I got to make the coin. Let's put my initials on it.

[Doug]

Yeah, right.

[Joe Saul-Sehy]

Time for the TikTok minute. The tick tock minutes where we shine the light on a TikTok creator who's doing something either genius or air quotes genius. You know, guys, the dating world is very difficult. It's expensive, right? You go on these dates and they said, three guys who date all the time.

[Doug]

Picking some great topics here for the.

[Joe Saul-Sehy]

How am I talking about dating? But stacker Michelle sent this to me and said, you know, dating is expensive and it's frustrating when you can't find the right date. So I was expecting some, you know, somebody talking about the importance of focusing on the right thing and dates. And instead Michelle sent us this be.

[OG]

Going on a second date because this person's favorite band is YouTube. So in other words, you still haven't found what you're looking for.

[Joe Saul-Sehy]

That's all Michelle sent to me was, you know, dating is expensive and it's difficult. You need to watch this. Thank you for the little bait and switch, Michelle.

[Doug]

YouTube is a great band. Everybody just got so annoyed when Apple forced that album on us and it was a crappy album.

[Joe Saul-Sehy]

Yeah, come on.

[Doug]

But man, the first 15 years plus of U2 were just amazing.

[Joe Saul-Sehy]

And you thought that was kind of the jump the shark moment, but then they jump back over the shark when they played the sphere. Like all of a sudden everybody's like, I want to be in the front row for this fear thing. Well, you don't have to be in the front row, right? You could be where, man, watching Those videos, even if you're up high, it.

[Doug]

Was great years ago. This has got to be 15 plus years ago. There was an IMAX movie of a U2 concert. I think the majority of it was in South America. But I mean that's almost as immersive.

[OG]

As the IMAX movie or the concert.

[Joe Saul-Sehy]

He had to fly to the IMAX movie.

[Doug]

Yeah. Couldn't find one close, couldn't find one closer. So I went to Rio.

[OG]

Just the majority of it.

[Joe Saul-Sehy]

Just the majority. He had to watch the of it back home.

[Doug]

Then I bounced up to Mexico City. But you know, the sound on the IMAX is as impressive as the visuals and I'm sure the sphere is even better.

[Joe Saul-Sehy]

Let's end today's show by taking a call from somebody who said, you know what, we better call Saul. C High Nog this is where we help a stacker in need. If you are in need of our help, head to stacky benjamin.com voicemail and you know what? From helping us make the show, we're going to give you your choice of some cool stacking Benjamin swag from our store if you want to check it out ahead of time. Stacking benjamin.com shirts or just go buy a ton of them and impress all your friends. It's great holiday gift. We had Father's Day a few weeks ago. If you forgot about Father's Day. No time like the present to make up for lost time. But John needs some help guys. So hey John, what's going on?

[John]

To start off, thanks for all the information that you guys have provided over the years. Hopefully this will come up in a better Call Joe segment. Well, hey Doug, sorry that 2024 didn't go as planned. Well, I'm trying to do a bit of fact finding. I know you guys have covered this, but I'm hoping that you can group all the information that I'm asking for into one response here. So what would some questions be to ask someone if I'm looking to hire them as a financial advisor? Thanks for your time and look forward to hearing your response.

[Joe Saul-Sehy]

Great question, John. You know what we'll do? I will also link to the longer episodes where we've actually had some of our mentors on who have talked about this because to your point, we have done it. So if you want to dive deeper, if somebody wants to dive deeper, we'll do it. But that doesn't mean we can't dive in right now. Oh gee. What are some of those questions we should be asking?

[OG]

Well, let me just type that into chat GPT here and got a list of. They're still going.

[Joe Saul-Sehy]

While he's doing that.

[OG]

While he's doing that.

[Doug]

Unbelievable.

[Joe Saul-Sehy]

Let me talk about up first. You can do some homework up front, John, which will also help you because the first thing I want to know is where my weaknesses, what am I really looking for? I think what a lot of people do before they hire a financial advisor and the reason they are disappointed is because their expectation does not match the reality. In other words, the thing that the advisor offers is not what you were hoping to buy. So go in with specifically what you are looking for and then match that up first. Yeah, I see a lot of the time when people are disappointed, they're disappointed because they didn't hire the type advisor and you could say financial advisor. They could do 500 million different things. They could work a lot of different ways. I think that's job number one. Doug, you were going to say something.

[Doug]

I would just say also be careful or don't allow yourself to fall into the trap of playing stump the jump with not only financial advisors but anybody who does more, I'll say sort of thought leadership work that is on your team, whether it's a lawyer or a doctor or anybody, you're always going to be able to find a question or create one that they can't answer and don't use that as a reason to weed them out. I would spend more of your time once you know, they have the fundamentals finding out if this is somebody who's going to work with you to solve problems with you rather than they don't know some arcane, barely used financial product that you heard about one time. Oh, he doesn't know about that. Well then I don't want to use him because he doesn't know the whole, you know, all of the tools available. I mean that's, that's the easiest way to box yourself into a corner.

[Joe Saul-Sehy]

Now a great financial advisor, to your point Doug, is more of a jack of all trades. And part of their specialty is knowing where to find it. Right. Where do I find it? How do I, you know, oh gee and I in our strategic coach training learn, don't ask how, ask who. And often through that one who of a great financial advisor, they can go, this is your who. This is your who. They know you. They know the person on the other end. They can get the job done very, very quickly. Finding the who's. But even, but even before.

[Doug]

So an owl, is that who we're hiring is an owl before you even.

[Joe Saul-Sehy]

Get to the Interview, which now I can see, OG has this list of. This list of answers from AI and I'm sure a few of his own. Before you get there, though, you can also look up their designations, their expertise. You can go to their website and find out all that, see how that matches with your expectation with what you're going to get. You can also see the firm that they work with that will also lead you to some of the processes the bigger firm has. So if it's an Edward Jones advisor, as an example, where all Edward Jones advisors are different from each other, they generally have a way that that whole firm works. If it's an Ameriprise advisor, they have a way that firm works. If it's a independent ria, you know, then that person pretty much is going to have their own thing, which leads you to questions about, okay, what is your process? You can look at all those things on the website and online before you even get there. But then, oh, gee, when you sit down with people, what are some of the, what are some of the questions you found?

[OG]

Well, I think everything that you guys have already said is probably the biggest pieces of all of this. There's some threshold competencies that I think, you know, you'd search for no matter the professional. Right. I mean, like, if you're going to go hire somebody to do your taxes, I think you'd go, well, have you done this before? Like, are you registered in the state or in the region or whatever is required by whoever is in charge of that to make sure that you can do that legally. You know, like, you're going to check all that stuff. Obviously, questions around pay and, you know, how do they get paid? And that sort of thing are super important. But I think the biggest piece, and you guys alluded to this already, is I think that our job as a team is not to necessarily have all of the right answers, although hopefully we have a lot of right answers, but not all of them, to Doug's point, but more to recognize that you're your own person and your journey is going to be different than other people's. But it follows a similar pattern. It follows a similar theme. And I think a good advisor, a good advisor team has been down that path a bunch of times. And so if you're working on, and I think this is what you were talking about, Joe, if you're working on college funding for your kid and you go to a person who really specializes in complex estate, in trust planning, you're probably not going to get a lot of really good education Funding concepts and you know, because they're really working in the world of estate and trusts and that's kind of their specialty or retirement or something like that. Maybe that person, again to your point, can hopefully point you in the right direction. But I think our job is much more of a guide than it is to be, you know, telling you exactly how to do stuff. One of my favorite questions, to use an example when I talk to people about this is a lot of times people say, well, is it better to do pre tax, you know, like a pre tax 401k plan or the Roth? And my answer always is, I don't know. You're asking a question that has so many variables to it that there is no right answer. There's, there's ways to think about how to think about this, this question, and I think that's really a good advisor's job, whether it's a financial advisor, doctor advisor or tax advisor or whatever, is to help you think about how to process the information so that you can make a good decision for your family. We've seen many people, I don't know what number we're on, closing in on 1600 maybe episodes. And we've seen lots of people who have been wildly successful in their financial lives by doing wildly disparate things. We have people who are really successful with real estate. We have people that are really successful with short term rentals. We have people that are really successful only investing in index funds. We have people that are successful that are business owners and never invested a dollar of money in index funds. There's no right or wrong way to do any of this stuff. But there's a right way that's good for you and your family. And I think having a person that can counsel you on what's going on in your life and has had that experience before I think is invaluable. So yeah, there's a lot of questions and you can chat I a little tongue in cheek here about using ChatGPT because of the AI episode, but you can do that. You can say like, what are your credentials? How are you paid? You know, are you registered? You know, like all those yes, no questions to check the box to do some due diligence. But really it comes down to is this person somebody that I want to, that I would trust and want to hang out with for the next 20 years? And if it's not an immediate yes, then it's got to be an immediate yes.

[Joe Saul-Sehy]

Got to be a no. Gotta be a no.

[OG]

Because I feel like there's some people. And we've had that. Joe, I know you had that when you were practicing. We have it. The people that we work with. It's like sometimes you talk to, you're like, bang. This is a fit. Everything that you're talking about is stuff that we're really good at. We're getting along really well. This is a perfect fit. This is an easy, easy relationship. If it's not like that, if you're not like super overjoyed of having to talk to this person, then you probably want to find somebody that you want to spend time with because you want this person to be on your team. You want to have this person be a resource that or this team to be a resource for you. And if you don't feel that way, then find somebody you can.

[Joe Saul-Sehy]

I think it segues really well into really, what's the expectation you should have of the advisor and what's the expectation you should have of yourself? And I think knowing these two things before you even ask what the price is is really important from the advisor. I think a crucial question you need to ask is, when should I expect to hear from you? How often should I hear from you? What are the expectations around me hearing from you? As an example, when I was an advisor, I had a certain number of times that we would meet, and then they could expect a certain number of phone calls from me. And then the second piece of what should you expect from yourself? I expected when I was an advisor that I was an advisor, I was not the CEO. And there are many times when people, for God knows what reason, you're hiring an advisor, as if you're just going to delegate away your financial responsibility and all your stuff. You still have to be CEO. So what I would tell clients was, between those phone calls and meetings, you're not going to hear from me. And you know why? Because I don't know what's going on in your head. I don't know what's going on in your life. So between those meetings, it's up to you as the CEO to decide when you're going to use me in the advisory capacity. In other words, something comes up, you're buying a new car, call me and go, hey, here's my options on the new car. What do you think, Joe? Feel free to run it by me. For me, that was included. For another advisor that might not be included, I got my taxes done. I'm not a cpa, I'm not a tax attorney. I'm not even enrolled agent. But I know you And I've looked at taxes before. If you just want to run it by another person who knows you and has seen a lot of tax returns, have me just glance through it and go, you know what? In my unprofessional opinion, because I'm not a tech cpa, it looks good. But you know how many times I went, no, no, no, no, no. You did that IRA thing, remember that? But that was all on you. You change jobs. The times when I got frustrated was when a client would not involve me and then would hold it against me that I didn't know that they changed jobs and they got a huge raise.

[Doug]

Yeah.

[Joe Saul-Sehy]

And I'm like, how the hell was.

[OG]

I supposed to know that communication is a two way street.

[Doug]

Sure, Joe, I like, you've said it before and I've always liked when you say that you still are the CEO of, of your life. But you know who's. We forget that very often. Almost no matter how old you get, you forget that. And you know whose fault that is? Cheryl's. No, no, I'm not kidding. I'm not kidding. Because we all start going to doctors when we're kids, or the vast majority of us go to doctors as kids. And whatever the doctor says you do, we are almost trained from a very young age when we're seeing medical professionals that that's the answer. They say, take this medication or you need this procedure and you do it. And it takes a long time before you get to the point where you think, no, I get to weigh in on this decision. I mean, I was, I was in my 30s before I realized, hold on, who's driving medically? Who's driving this bus? And I started to maybe challenge some things and also share some more information with the doctors. To your point about, hey, you bought this financial product, you didn't tell me about it. You know, I can't be held responsible for not, you know, making recommendation based on that. But I think we all can. It's a little beef I have with us, not with the medical community, but with us. And the way that we treat. That advice we get from doctors. And it starts with pediatricians. I mean, they're the worst, right? Pediatricians, they're just brow beating these little kids.

[Joe Saul-Sehy]

My wife gets so thrilled at the end of every day, I made a bunch of kids cry giving them shots. So great. Yeah, I think that's really important. But it's after all that for me, what are you going to do? What am I going to do? Then ask what the fee is. One of my Biggest beefs OG with the financial community, the writing community, online, the blogging community is. They're always like, ask how much they charge first. That's like walking into a Jaguar dealership, not looking at one car, not even knowing it's a Jaguar dealership and going, hey, hey, what does it cost? What does the car cost? What kind of car are you looking for? It's just like your Roth IRA versus pre tax og. I don't know. I mean, the best thing the car salesman could say then is, I don't know. What are you talking about? The car? Are you kidding me? Really? The car. And yet in the financial writing world, where I was like, first thing you gotta do is ask them how much they charge. What the hell are you getting?

[OG]

It's all about the same anyway.

[Joe Saul-Sehy]

Sooner or later it's the same. Well, sooner or later it is.

[OG]

You're gonna find some people that are a little less expensive, a little more expensive, little structured a little differently. Like, well, I do it this way, I do it that way. Okay. You know, it's in the ballpark of all being about the same. You know why? Because that's how the market works. And I don't mean the market like the stock market. I mean the market of, you know, markets. It's just apples are priced the same. It doesn't matter what grocery store you go to, you go, well, I can get them at Sprouts for a little less. Okay, all right. You know, they're having a special on apples today. I didn't. Tom Thumb's not going to keep up with Sprouts all the time. But they're pretty close. They're in the ballpark. That shouldn't be a deciding factor.

[Doug]

It's adorable. Grocery stores that you're going to. I want to know where you're shopping.

[Joe Saul-Sehy]

Oh, he doesn't have sprouts where he lives.

[OG]

Oh, that's too bad. Yeah, it's like Whole Foods, but maybe better, I think. Yeah, less Amazon y hot take.

[Joe Saul-Sehy]

Yeah, that's where you draw the line.

[OG]

Yeah, Amazon. It's just, I mean, at the end of the day, you have to find the person that's right for you, you know, and it's about value and it's about, can that person guide your family or that team of people guide your family for the next two decades? And if, if that is what you get out of it, then that's great, you know, so. So yeah, there's a lot of questions I. That you can type into GPT here and, and check a bunch of boxes. But I really, really, really strongly believe that it's a good fit and it's the right time. And that's a feeling of a relationship that is unmeasurable on. Unmeasurable. Immeasurable.

[Doug]

Immeasurable.

[Joe Saul-Sehy]

Yeah. I'm glad we covered that. Versus the different ways that advisors are paid. By the way, you can look all that up online, but that also has to do with the fit. Right? If you want somebody to do this type of work for you, then there's a way to pay those people. If you just want piecemeal, either A, it's going to be just a hourly fee or B, a commission because I just want to buy the product. If you want somebody to, in Roger Whitney's words, walk life with you, then you want an advisor that helps you look at the whole thing for your whole life. Then it might be a percentage of assets. It all depends. Truly. If you just start off with what do I want? Then look at the fee structure. It should just be a fit that way. So you can look all that up. John, online, though, that's. That's always kind of the basic stuff. But I hope today really helped you get to the more nuanced stuff. Which is why I think most people give frustrated is because of the stuff that we talked about today people don't often consider. Thanks for the question. Guess what's happening on Wednesday? Wednesday, we are taking a lot of your questions. So if you're like, you know what, you've been taking my question well, that's because the mailbag's gotten a little full. So Wednesday is all questions all the time. It's going to be a great episode. Can't wait. But before we get there, let's wander out on the back porch for a minute because we've had a couple of cool, cool discussions going on with our stackers.

[Doug]

Yeah, I wanted to talk about two of them. The first one I want to talk about is Shane. Shane Spinner kind of called me out. This is a couple of weeks back, but. But he called me out because apparently I maybe have said some disparaging things about the fine vehicle out of Detroit called a Pontiac Aztec.

[Joe Saul-Sehy]

I think you said it was a really cool car.

[Doug]

I don't, I don't. I've rarely said that. So I don't, I don't remember.

[Joe Saul-Sehy]

I think you said it on the podcast what a cool car it was.

[Doug]

Well, there were a number of features about it that were innovative at the time. You could get these add ons to it, open up the back and Kind have a tent come out and it would. You'd have like this, this tray that would extend that would say it was.

[Joe Saul-Sehy]

The car version of a mullet in the front, party in the back.

[Doug]

100% the car version of a. I mean if Walter White didn't drive one of those things, this thing would forever be the modern time equivalent of an Etzel. But then Breaking Bad shows up and now it's cool all of a sudden. But. And I love. Shane said his insurance considers it a sport wagon, which has to be the greatest whitewash of a car description that I can think of. That's just fantastic. But those cars, by the way, went.

[Joe Saul-Sehy]

Away a long time ago. And Shane, your photo of that. That car looks to be in great shape.

[Doug]

Doug, you can clean the brake dust off his wheels a little bit. But yeah, I mean it's anime. Probably needs to polish up the headlights a little bit, but it honestly does. It looks like it is in good shape.

[Joe Saul-Sehy]

And that's why OG had three kids to have people to go out to the garage and take the brake dust off of the cars who. Now that's what kids are for.

[Doug]

I want to move on. Thanks, Shane. I want to move on to Jimmy o' Brien who wrote in also a couple of weeks ago commenting on work available in the trades. Jimmy says just listen to episode 1688. There's your answer, OG. We've had at least 1688 almost.

[OG]

At 1700 I was way off.

[Doug]

And you guys were talking about trades and how well they're paid. I work at a local township for water and sewer and became a water treatment operator. Took eight years, many state exams and a class through a VO tech school. Our job positions are hurting for people across the whole United States. Not only working for townships, but no one will go to school to get these licenses. The money's out there if you go get them. I think he means the licenses or the certifications.

[Joe Saul-Sehy]

Well, the Cha Ching. If you get the certification, the cash comes with it, right? That's exactly what we were talking about Jimmy in our headline today. That is 100% what we're talking about. And you know what's cool, OG is that Jimmy was being paid the whole time ostensibly that he's getting this training. How great is that? Instead of paying out. I mean the net difference between all that money out and student loans versus all the money in just.

[Doug]

I'm guessing he did that a few. He says he took eight years in many state exams. Imagine if AI was around when he was doing that. He could have just had AI take the exams for him.

[Joe Saul-Sehy]

And then we wonder why the water utility is not working right.

[OG]

Why does my water taste funny?

[Doug]

Is it supposed to be that color?

[Joe Saul-Sehy]

When Jimmy's typing into ChatGPT? How to stop people from dying.

[OG]

How does my water taste? Like pee again?

[Joe Saul-Sehy]

No, no, I'm sure it'll clear itself up. Oh, man. All right.

[Doug]

But some good comments in the basement lately. Thanks, everybody. Keep putting stuff out there. It's fun to hear what you do. We're starting to hear from a lot of different people. You know, we've got super fan. I have super fans fans out there who are posting in the basement. You guys have a couple, but it's great to see some new names popping up. Hadn't heard. I don't think I recall hearing much from Jimmy in the past or from Shane. So keep it coming. It's fun to hear a lot of different voices.

[Joe Saul-Sehy]

Yeah, thanks for that. All the fun comments on Spotify and elsewhere. Super fun to have this community episode and we'll continue it on Wednesday, like we said. All right, Doug, get us out of here, man. What are the three big things that should be on our to do list today?

[Doug]

Well, Joe, first, take some advice from our headline. By learning more about AI, you'll see how it can actually help you do more, and you can also figure out where you'll fit to best take advantage of it. Second, speaking of AI, don't share your personal data with it because that'll end up in Zuckerberg's hands sooner or later, assuming he doesn't already have it. But the big lesson, when it comes to taking selfies, Joe's mom's a menace. She's perfect at telling you how to pose and then not including you in the photo at all. God, how many times am I going to fall for that? This show is the property of SB Podcasts, LLC, Copyright 2025, and is created by Joe Saul Sehive. Joe gets help from a few of our neighborhood friends. You'll find out about our awesome [e-mail] along with the show notes and how you can find us on YouTube and all the usual social media spots. Come say hello.

[Joe Saul-Sehy]

Oh, yeah.

[Doug]

And before I go, not only should you not take advice from these nerds, don't take advice from people you don't know. This show is for entertainment purposes only. Before making any financial decisions, speak with a real financial advisor. I'm Joe's mom's neighbor, Doug, and we'll see you next time back here at the Stacking Benjamin show.

[Joe Saul-Sehy]

Wait, where are you going?

[Doug]

I was gonna make espresso.