What a 12-Hour Walk Teaches You About Money (And Life) SB1759

Summary

---

The Stacking Benjamins Show

Episode: What a 12-Hour Walk Teaches You About Money (And Life) SB1759

Release Date: November 10, 2025
Host: Joe Saul-Sehy
Guest: Colin O’Brady, World Record–Breaking Explorer & Author of The 12-Hour Walk
Tone: Lively, friendly, relatable, and lightly humorous

---

Episode Overview

This episode is a special encore presentation of a past conversation with Colin O'Brady, endurance athlete, explorer, and author of The 12-Hour Walk. The central theme is how intentional challenges—like taking a solo 12-hour walk—teaches lessons about resilience, personal growth, and financial well-being. Colin’s experiences walking across Antarctica and setting world records are used as metaphors for unlocking potential, pushing past limiting beliefs, and building the life (and financial plan) you want, step by step.

---

Key Discussion Points & Insights

1. Ordinary Life, Extraordinary Potential [(09:16 – 15:45)]

• Colin O’Brady explains how most people live “lives of quiet desperation” (referencing Thoreau) and too often coast in a zone of comfortable complacency—never tapping into their true potential.
  • Quote:
    “The mass of men lead lives of quiet desperation… I fundamentally believe that as humans, we have masterpieces to paint inside of us.” —Colin O’Brady [15:45]
• The most fulfilling moments in life (the “tens”) are often linked to our most challenging moments (“ones”), but many avoid discomfort and thus miss out.

2. Limiting Beliefs & The “Possible Mindset” [(18:14 – 26:11)]

• Colin speaks to high-achieving, wealthy individuals who’ve never asked themselves, “What’s your Everest?”
  • Memorable anecdote:
    A 75-year-old Wall Streeter admits, “I never took time to ask myself that question” and expresses regret for not pursuing deeper fulfillment.
• The “possible mindset” means recognizing that our self-imposed limitations can be rewritten.
  • Quote:
    “You can just add one word to the end of that sentence. It changes everything. I’m not a singer yet.” —Colin O’Brady [25:04]

3. The 12-Hour Walk: Origins & Purpose [(26:52 – 32:48)]

• The idea stemmed from Colin’s intense days pulling a sled across Antarctica—12 hours at a time in isolation—which led to unexpected clarity, presence, and well-being.
• During the pandemic, feeling stagnant and anxious, Colin replicates this practice at home: walks alone (phone on airplane mode) for 12 hours and experiences a mental reset.
  • Quote:
    “I walk out my front door… And as I get back, my wife goes, ‘You’re back.’ She could see in me my spirit was back.” —Colin O’Brady [30:40]

4. The Challenge: It’s for Everyone [(32:48 – 35:42)]

• Colin’s challenge is literal—he encourages every listener to try a solo, tech-free 12-hour walk. It’s not about mileage, but committing to intentional solitude.
  • Most resistance (“Not me, I can’t do that!”) reveals common limiting beliefs (“I don’t have time,” “What if I fail?”).
  • Quote:
    “Just in this moment, I’m holding up a mirror to you… whatever limiting beliefs you’re applying to the 12-hour walk are most likely the same limiting beliefs that keep coming up in your brain overall.” —Colin O’Brady [33:15]
  • Joe reads the challenge and, mid-donut, recognizes his excuses and accepts.

5. Breaking Through Mental Barriers [(35:42 – 36:46)]

• The hardest part for most is being alone with their thoughts (not physical exertion).
• The 12-hour walk is a metaphor for financial and personal growth: small, sometimes uncomfortable steps lead to major change.

6. The Edge of Challenge: Knowing Your Limits [(36:46 – 37:39)]

• Colin reflects on times he may have pushed too far (losing friends in an accident, close calls) and emphasizes the difference between boldness and recklessness.
  • The walk is about reflection and small realignments, not drastic, reckless action.

7. Connecting Back to Money and Life Planning [(Throughout)]

• Joe and Colin repeatedly draw parallels between adventure and personal finance:
  • Achieving “financial freedom” isn’t about one huge leap, but intentional, incremental steps.
  • The same excuses that keep people from adventure (“I don’t have time, I can’t do this”) are heard in financial planning.
  • Small, deliberate changes—like a single “12-hour walk day”—can lead to a profoundly different trajectory in life and money.

---

Notable Quotes & Moments (with Timestamps)

• On Life’s Comfort Zone:
  “Too often, I think people get stuck in this zone I call comfortable complacency—between 4 and 6. We’re just, you know, five. Not bad. But…what’s going to light me up, what’s going to fulfill me?” —Colin O’Brady [15:45]

• On Regret at the End of Success:
  “I’ve made more money than you can ever possibly imagine. But I never took time to ask myself that question.” —Unnamed Wall Street veteran recalling his ‘Everest’ [21:19]

• On Mindset Change:
  “I realized you can just add one word to the end of that sentence. I’m not a singer yet…Just because you’re a certain age at this moment in time doesn’t mean you can’t go back and become a beginner again.” —Colin O’Brady [25:04]

• On Origin of the 12-Hour Walk:
  “I was walking across Antarctica solo…12 hours ended up being my normal day…what I was left with was this deep sense of clarity…mind, body, and spirit.” —Colin O’Brady [28:13]

• On Challenging Listeners:
  “I kind of know it’s a metaphor, I had no idea you were challenging us. I’m reaching for another donut and then I’m like, oh, oh yeah, that sounds cool, yeah not me. I’m out. … No, he is really challenging all of us. Okay, challenge accepted.” —Joe Saul-Sehy [32:48]

• On Conquering Limiting Beliefs:
  “Whatever limiting beliefs you’re applying to the 12-hour walk are most likely the same limiting beliefs that keep coming up in your brain overall…” —Colin O’Brady [33:15]

• On Knowing When to Step Back:
  “There is an edge. It’s not always about pushing further and faster…the 12-hour walk is a moment to reflect. It’s not a moment to do some crazy thing and blow up your whole life on the other side.” —Colin O’Brady [36:46]

---

Important Segment Timestamps

• 09:16 — Conversation with Colin O’Brady begins (ignition “sequence start”)
• 15:45 — Thoreau quote & the “quiet desperation” insight
• 18:14 — Story of Wall Street millionaires struggling with fulfillment
• 25:04 — The “possible mindset”: I’m not a singer yet
• 26:52 — The low point & genesis of the 12-hour walk
• 30:40 — The homecoming after the first “pandemic” walk
• 32:48 — Joe’s realization and commitment to the challenge
• 33:15 — Mirror of limiting beliefs / 12-hour walk as diagnostic
• 36:46 — “The edge” and reflection after tragedy
• 37:39 — Wrap-up, thanks, and recommendation for The 12-Hour Walk book

---

Summary: Why This Episode Matters

With characteristic humor and grounded wisdom, Joe and Colin deliver more than just stories of adventure—they present a practical, relatable framework for navigating both personal growth and financial advancement. Colin’s “12-Hour Walk” serves as both literal challenge and metaphor: the hardest part of any journey—financial, physical, or personal—is stepping outside comfort, reflecting, and pushing through internal barriers.

Listeners are left with a clear, actionable takeaway: What’s your version of the 12-hour walk—in money, life, or wellbeing? And what step are you willing to take next?

---

For Listeners: Key Takeaway

Ask yourself: What’s your Everest? What limiting beliefs are holding you back—from investing, from pursuing a dream, or just living your “10” moments more often? Take the literal or metaphorical walk. The step you take today, as Colin and Joe stress, could be the one that changes it all.

---

(End of summary for "What a 12-Hour Walk Teaches You About Money (And Life) SB1759")

Transcript

[Joe Saul-Sehy]

Whenever I need to send roses that are guaranteed to make someone's day, the only place I trust is 1-800-flowers.com with 1-800-flowers. My friends and family always receive stunning, high quality bouquets that they absolutely love. Right now, when you buy a dozen multicolored roses, 1-800-flowers will double your bouquet to two dozen roses. To claim this special double roses offer, go to 1-800-flowers.com wwo. That's 1-800-flowers.

[Doug]

Com wwo at 1-800-flowers.Com we know that.

[Joe Saul-Sehy]

Connections are at the heart of being human. Whether celebrating life's joys or comforting during.

[Doug]

Tough times, 1-800-flowers helps you express what.

[Joe Saul-Sehy]

Words can't for nearly 50 years, millions have trusted 1-800-flowers to deliver thoughtful gifts that help create lasting bonds. Because it's more than just a gift. It's your way of showing you care. Visit 1-800-flowers.com wwo and connect today. That's 1-800-flowers.

[Doug]

Com wwo.

[Joe Saul-Sehy]

Foreign hey there, stackers. What does conquering Everest or going on a 12 hour walk have to do with your financial plan? Where you're going to find out today because we're kicking off this week with one of our favorite all time conversations. This is a Greatest hit from 2022. Still packs a huge punch today when I sat down with Kellen o', Brady, who's an endurance athlete, explorer, and a guy who engineered this thing called the 12 hour walk that maybe you did, or, you know, friends that did. I certainly did. This took the world by storm just as we're coming out of the pandemic in 2022. His message about everyday resilience, focus, pushing your limits. It hit home for me. And I know it hit home for a lot of people based on not just the download numbers but also a lot of the emails that I got afterwards. So I want to bring this episode back because it isn't about adventure or athleticism. This is about creating your best life one intentional move at a time. Which is, of course, what stacking Benjamins is all about. Having this Benjamin Franklin esque life where you're not just an entrepreneur or a patriot or an inventor. You are all of the above. And Cullen's reminder, I think, is the perfect reminder that the biggest changes in life don't come from these huge leaps. They come from choosing to take that next step on a random Tuesday. Right? Even when it feels a little hard that day or you just don't feel like it and you want to push it off. So as you listen, what I'd like for you to think about is this. What is your version of the 12 hour walk? And maybe that's finally setting boundaries at work. Maybe it's tackling a tough money goal or carving out some quiet time to think through your next chapter. When you've got your answer, drop that in Spotify comments or maybe share it in our basement Facebook group. I love it when we share these things because I feel like a the act of writing it down helps you make yourself accountable to yourself. Not to really anybody else, but to you. But just writing it down for us. And then second, I love seeing the diverse things that we're all working on and trying, trying to get done. Next, speaking of building a better version of yourself, our success sessions, which goes off at the end of January, enrollment is open and We've got only 30 spots here. Now when I say it's open, it's open. Just if you were on the wait list. So we sent emails to everybody on the wait list yesterday and on Wednesday we're going to open it up for everybody else. So if you're not on the wait list, you don't know what the hell I'm talking about. What are the success sessions? Well, if you need a better financial plan in 2026 and you want to your own plan, even if you're going to hire other people, I work with a very small group of people. As I just said, we're going to cap this at 30 people max, where we take you through 10 sessions through creating your financial plan. And imagine you're just starting the second quarter of 2026, you've got your financial plan finished or at least you know where the holes are in your financial plan. And now you even have everything on your calendar to work through all of the bumpy spots that you might. But for the most part it is done. Now the cool thing is you're with this small group of people working together and sharing and I love the questions that we get. Also, people from prior years are in our closed group. So even those people are able to help you through some of the bumps in the road. A few other things about this you'll get all of our guides for free, even the two that aren't published yet. When those come out, you'll get those for free. But I think even better yet, the best compliment I've gotten is some people came for the efficient frontier. Some people came for tax planning, some for estate planning, some for setting up their budget and making things automated. The best compliment we get about the success sessions are most of the gains that you found in your financial plan were not the ones you were focused on when you first started, and I find that to be fantastic. So that's what it's all about. StackingBenjamins.com success sessions and you can join me and 29 maximum other stackers in late January. The sessions are not inexpensive, but it's far less expensive than a not having a financial plan, b hiring a financial planner not knowing what you're doing, or c even just frankly hiring a financial planner. So if you want to know your financial plan, I love this time starts in January, but set your calendar for Wednesday. Go sign up and make sure that you get your spot. All right, so enough about that. Grab your walking shoes or your favorite mug and settle in. Whether you're thinking about your next big life move or your next money decision, this conversation with Colin o' Brady is going to give you the spark to take that next step. But before that, we have a couple sponsors that make sure that we can keep on keeping on. We're going to hear from them. And then into our usual salute of the troops. And then Colin o' Brady in Mom's basement. This message is sponsored by Navy Federal Credit Union. As the holiday season rolls around, we know that you strive to do everything you can to bring cheer and joy to your loved ones. And as a credit union dedicated to serving all veterans, active duty and their families, we understand that every little bit counts. That's why for a limited time, you could earn a 250 cash bonus when you spend $2,500 with Navy Federal's cash rewards and cash rewards plus cards in the first 90 days. Of course, Stackers, this is part of a big financial plan, right? Don't get yourself into debt. Make sure that you are spending and saving with a plan. But you know what? The giving doesn't stop there. You could also earn up to 2% unlimited cash back with these cards. So saving up for whatever the season brings just got a little easier. Give joy, get joy. Join now@navy federal.org Navy Federal Credit Union Our members are the mission. Navy Federal is insured by NCUA. Visit navy federal.org cash rewards for details. Cash back terms and conditions apply. Offer ends January 1, 2026. Well, if you do here, Stackers, you may not know how important we think a 529 plan is when it comes to getting ready to plan for a college education this year. Give a gift that goes far beyond the moment and invest 529 account. Whether it's a child, a grandchild or someone just starting out, you're helping them save for education that can open doors for a lifetime. Invest529 is a tax advantaged way to save for college, trade school, or even apprenticeship programs. It's flexible, it's easy to start, and you can contribute any amount, big or small. And because the money can grow tax free, it's a gift that really builds value over time. So instead of giving something that gets used up or set aside, give the gift that can change a life. Start an Invest 529 account today. Go to invest529.com that's invest in the numbers529.com to learn more and get started. Investments involve risk. Results vary. Consult with your financial and tax professionals Administer by Commonwealth Savers Plan. Brand new month OG Happy August to you, my friend.

[Rob Berger]

It's only 150, so it's a month.

[Joe Saul-Sehy]

Of transition, isn't it? In Texas, it's in like a lion and out like lion.

[Rob Berger]

Yeah, I like on the news, the guy, the, the weather guy was like, just think in two months it'll be October. This will fly by. It's like, have you stepped outside? Days like today don't fly by.

[Joe Saul-Sehy]

They. They do not. The thing that does fly by, but we want to pay special attention to is our usual Monday salute to the troops, which we do on behalf of Navy Federal Credit Union.

[Rob Berger]

So I got my America T shirt on.

[Joe Saul-Sehy]

You do have your America T shirt on. On behalf of the men and women make a podcast here in the basement. And the men and women serving their members at Navy Federal Credit Union salute to our troops. Let's go stack some Benjamins together, shall we?

[Colin O'Brady]

Ignition sequence start. 6, 5, 4, 3, 3, 2, 1, 0. All engine running.

[Rob Berger]

Liftoff.

[Doug]

Live from Joe's mom's basement, it's the Stacking Benjamin Show. I'm Joe's mom's neighbor, Doug, and I hope you're breathing right now because today is the anniversary of the day the element oxygen was discovered to help you fully breathe in all life has to offer. We welcome the author of the 12 Hour Walk, world record breaking explorer Colin O'. Brady. Also in our headline segment, we'll throw out the Haven lifeline to Paul, who's wondering how he can enjoy early retirement abroad. Take me with you, Paul. I make a great mojito. And then we'll walk on over to my trivia. And now, two guys who challenge you to hold your hand on the stroll to Benjaminville. Joe and. Oh, ja, ja, ja, ja.

[Joe Saul-Sehy]

G and a happy Monday to You Stackers. Welcome back to another week of the Stacking Benjamin Show. I'm Joe Salsi. I average Joe Money on Twitter. And what amazing beginning. I was searching for the word. I couldn't. I had so many words. I'm like, is it beautiful? Is it wonderful? Is it fantastic? I think I'm gonna go with amazing. OG We've got an amazing month of shows. Kicking it off here with Mr. Cullen O' Brady today. And is Doug alluded to. This guy's a four time world record holder. In 2016 he set the Explorers Grand Slam and the seven summit speed record. You know what the seven summit speed record is?

[Rob Berger]

I can put it together in my mind. It must be the the fastest to climb all seven peaks, one on each.

[Joe Saul-Sehy]

One on each continent. That record since been broken. However, he also went across Antarctica. We're going to talk to him about that today about resilience in your planning. He was a commodities trader as well. Oh, gee. So this guy's got some financial chops. He knows the world of money, knows the world of endurance, knows the world of training. I think all those apply when it comes to going after your goals. We got that. We also have kind of a disturbing headline about an app that we have recommended in the past, Making a change. We'll talk about what that change might mean to you. But before all that, Kellen o', Brady, endurance athlete, waiting in the wings. So let's get moving. Hey, I'm Rob Berger.

[Colin O'Brady]

When I'm not rolling in the dough.

[Joe Saul-Sehy]

That's right, I'm stacking Benjamin's. It's my new friend, Colin o'.

[Doug]

Brady.

[Joe Saul-Sehy]

How are you, man?

[Colin O'Brady]

I'm great, man. So fun to be here in your mom's basement.

[Joe Saul-Sehy]

I'm so happy. I'm sure it's the pinnacle of your career, Colin, spending time in mom's basement.

[Colin O'Brady]

It's great. It's great to be here.

[Joe Saul-Sehy]

I want to ask you this because we have so many important things to talk about, but I was on my walk this morning and my spouse Cheryl had some questions. Now she hasn't read your work. I'm telling her this exciting story about who you are and she's super geek that you and I are going to have this conversation. But she asked me two questions. Question number one is have you ever thought about running the Barclay?

[Colin O'Brady]

Yeah, I have never run it. It's quite a crazy race that, that, that Netflix documentary certainly tells one wild tale. I've had a few friends participate over the years, but hasn't made it on my bucket list. Yet. But more power to everyone who wants to get out and rip their legs up across thorns on 100 miles in that crazy race, so.

[Joe Saul-Sehy]

Well, I don't know, after all the pain you've been through, Colin, it seems like your kind of thing.

[Colin O'Brady]

I know it's funny you would think. I'm like, yeah, you know, I walked across antarctica solo for 54 days, so maybe the Barclays just. It took one or two days. Right. It seems like a lot easier, you know, pros and cons there. To each of their own, I suppose. Never say never.

[Joe Saul-Sehy]

Yeah. So that was question number one. And by the way, for people who don't know what the Barclay is. And Colin, you referenced a wonderful documentary on Netflix, which is the Race that Eats Its Own, and it's this ugly, ugly race around Knoxville, Tennessee, and just a crazy event. But. But the second thing she asked, which I should know the answer to. I could even look this up, but she thought I should ask you. You obviously saw penguins when you were in Antarctica, but are there polar bears in Antarctica? That's Cheryl's big question.

[Colin O'Brady]

Yeah, that's so funny. I get that question all the time. And I usually get it from. Not to belittle you or your wife because I get it from adults, but I always make people feel better because I get it from second and third graders as well. And the question I always ask is, why don't polar bears eat penguins? And it's because there are no polar bears in Antarctica and there are no penguins in the North Pole in the Arctic. So it gets commonly confused in our brains because they seem very similar, but turns out they're on opposite sides of the world from each other. But the other thing is, I not only walked solo across Antarctica, the first to do that, but I rode a boat across Drake Passage, the most dangerous ocean in the world. So in our open hull rowboat, me and a crew of guides were the first person, first people in history to do that. Forty foot swells, you know, freezing cold temperatures, icebergs, et cetera. And we did. As we approached Antarctica, saw a ton, a ton of penguins jumping off icebergs. It was a welcome sight after all we had been through in the middle of the ocean for so many days. But on the interior of Antarctica, walking across, there's actually no wildlife. There's nothing. There's nothing to see in the interior. Yeah, I mean, basically it's teeming with life on the edges because there's sea life and, you know, stuff to eat. But on the interior, there's. I was in the interior for 54 days, crossing solo. No penguins, no birds, no. No plants, no. I mean, nothing. Nothing, nothing, nothing, nothing lives out there. It's a pretty wild, desolate, white, endless abyss.

[Joe Saul-Sehy]

By the way, your story about crossing the Drake passage, We'll let people read it in your book, but they need to read it, because I felt like I was going to throw up reading about that myself. You're cramped in a storm. You guys smell like dudes who haven't showered, because you're dudes who haven't showered and eating a bunch of raw fish and just. Oh, just nasty. But I don't want to talk about that. Let's begin kind of where your book begins, Colin, because you start off with this quote from Thoreau that's oftenly misquoted, which is. Which is what?

[Colin O'Brady]

The mass of men lead lives of quiet desperation, and then it's often misquoted in people's minds. I don't know how it kind of tipped into the zeitgeist of people's brains, but I actually like the misquote as well, which is the mass of men lead lives of quiet desperation and die with their song still inside of them. That second half, I think, is not actually attributed to Thoreau, but it certainly makes a nice pairing for that, which is really a message about. I believe, you know, I fundamentally believe that as humans, we have masterpieces to paint inside of us. I believe we have reservoirs of untapped potential to achieve extraordinary things, not least of which is fulfillment and depth and family and community. But, of course, financial freedom and external success, however you want to paint that. But too often, I don't think we kind of get stuck in our lives and we don't really know how to get out of our own ways. I've come to sort of think of life a little bit of this scale of 1 to 10, kind of 1 being our low lows, like that cramp time on the boat like you were experiencing. You're talking about drake passes and 10 being our high highs, Right. The day your first child is born, falling in love, having a big success in business. You know, it could be anything, but, you know, we know what those peak moments of life are. High highs, right? And too often, I think people get stuck between this zone, what I call the zone of comfortable complacency between 4 and 6. Just kind of like, you know, our days are just, you know, five, five. So it's like, not bad. You know, you got a job, it's fine. Not bad. You know, maybe a relationship. It's not bad, it's fine. But you know, a lot of just days right in the middle, it's not to say you never want to be in the middle, but I do think that asking that question, you know, what do I want to do, what do I want to achieve? What's actually going to light me up, what's going to fulfill me? Sometimes that question is scary, right? And just like in investing, you got to take on some risk if you want the reward, right. That, you know, you don't have to be the craziest risk profile ever, right? But you got to take a little bit of risk. And when I frame that in the ones and tens, it's to say when I think about my tens, more often than not, I realize they're connected to my ones. I've actually had to experience some ones or go through some difficulty or some challenge or take on some risk to experience those high highs. And if we're so worried about hedging against having any discomfort in our life, particularly in our modern society, society, it's easy to just kind of be stuck at that five and so in my new book, the 12 Hour Walk, as well as, you know, just throughout my life, I highly encourage people and the 12 hour walk is actually a single day prescription to step outside that comfort zone and to, to feel those ones, but also more importantly the 10.

[Joe Saul-Sehy]

Well, hold on. And I want to get there in a second. But by way of a story that you tell at the beginning of your book, because you would think that these titans, especially in New York City, around Wall street, these captains of industry, that they would have lived these tens and ones, and yet you went and spoke to a bunch of them and use this to kick off your book. This unlikely group of people, Colin, unlikely group of people who've never thought about this big question that you pose to them.

[Colin O'Brady]

Yeah, I do a lot of public speaking. I have made my way in my career in a somewhat untraditional context. I, I do have an economics degree from Yale, but by way of a low income public school in Portland, Oregon. So I probably shouldn't have even ended up there in the first place. But great education. Most of my friends were getting jobs on Wall Street. I, I dipped my toe in that for about, you know, 10 months at one point early in my 20s. But mostly I've been on this path of being a professional athlete, an author, speaker, etc. And for many years that was not super lucrative. And I, fortunately at this point it has turned to be quite lucrative for myself. But that's never been the end goal for me. The goal has always been following my heart and figuring out how to also follow my heart and turn that into financial freedom. But I found myself and where I opened the book to you say I find myself speaking in a room full. I'm speaking at a big conference, about 500 Wall street guys. But they invite me the night before to this kind of intimate dinner. There's, I don't know, eight or so people there in this fancy, super fancy Manhattan apartment I opened with kind of a funny story. They're looking at me like this young kid wearing a black T shirt and jeans. And the doorman's telling me like, you're not invited here. I'm like, pretty sure I'm on the list.

[Joe Saul-Sehy]

That's what I was thinking, dude. I'm like, why would you choose a T shirt and jeans? Even, even I know that. And I'm. I live in Texarkana, Texas, and I know that I wouldn't have shown up in a T shirt and jeans.

[Colin O'Brady]

You know, that's the way I always do it. I come as I am, authentic. I've spoken on stages for a thousands of people, the biggest companies in the world, Nike, Adidas, Amazon, Google, et cetera. And I don't show up wearing a suit and tie. But true to form, I did that in that instance. And that might, that may have been the one moment where that was a bad idea because I walked in a room full of you guys and you know, tailored Armani suits and what are $100,000 watches or whatever. But they did let me in and I was, I guess somewhat the guest of honor. At least they had invited me there to share some stories with them about my adventures, etc. You know, an interesting conversation ensued with these guys. One of my favorite questions to ask people, and I've asked this to through my. I have a nonprofit where I've millions of students have been in through over time. You know, young elementary school kids, doesn't matter the age, old, young. I love to ask this question, which is what's your Everest? And it's for me to say my childhood dream was climbing Mount Everest. And I've been fortunate to get to the summit of the mountain twice now in my life. But I just love to ask the question to kind of open up people's minds. And I asked the question to this room full of incredibly, you know, CEOs, titans of industry, you know, multi hundred plus millionaire Wall street guys. And the room goes silent. It just goes silent. And I'm Kind of like, oh, did I say something weird? And they kind of are, you know, it's like there's no awkward pause in the whole dinner, except for at this moment. And we brush past it. I mean, we've all been in that moment where something, something comes up and you know, let's just talk about something else and you just kind of move forward.

[Joe Saul-Sehy]

Deflect. Deflect.

[Colin O'Brady]

Yeah, yeah, exactly. But at the end of the night, I'm about to take the elevator down and to go back to my hotel that evening, one of that gentleman, older gentleman, peg him at 75, 80 years old, something like that, kind of pulls me aside and grabs me by the arm gently and says, hey, I just want to say something. I really appreciate you asking that question, but I'm sorry that none of us gave you a proper answer. And then, I mean, in any other context, this has been full of sort of bluster or, I don't know, felt out of place. But he was just being honest. He said, you know, vulnerably, I've made more money than you can ever possibly imagine. But I never took time to ask myself that question. And I go back in my mind to being a 14 year old kid at summer camp on a rowboat he was talking about in the Catskills and tells me this kind of scene. And he's like, I miss that moment, that piece. And now I'm an old man at the end of my days and I wonder what would have happened had if I had the gumption to ask myself this question. He kind of leaves it there. But it's a moment of someone who, externally, the classic sort of archetype of someone who's made it all, who's done it all, who's made all of the money still vulnerably sharing with me, saying, hey, I may have missed a few things along the route. And the point of the story is, and it really stuck with me. And obviously I opened my book for a reason because it really stuck with me there. But I think it's an important thing to say. It's not that this guy was saying, hey, I wish I hadn't made any money in my life, right? It's not to vilify money. There's even fact, a chapter in my book that is all about how people can cultivate abundance in their life no matter where they're starting from. I started from nothing and I've cultivated abundance. I'm proud of that. But it was more the how and then the why, that deeper fulfillment question. Because I Think at the end of our days, that's really ultimately what you look back and reflect on. And this guy was in this tender moment sharing with me that he got getting towards the end of his life and had, you know, some ways that if he could go back and do it differently, he may have just made.

[Joe Saul-Sehy]

Me remember a time with my high school track coach who really took somebody that was a lot of rough and not very much diamond and, and, and polished up the little diamond that was there and made me into a runner that was able to get a college scholarship, which was surprising to me. But I remember on our way to our state meet and him telling me that he always wanted to be a singer and he'd never done it and he regretted it, and he still had regret it. And it just hit me hard, Colin, kind of like this guy hit you that here's a guy who I saw as, you know, a cornerstone of my success and for a lot of kids around me, their success. And he had this thing that he always regretted not doing. And I even asked him that. I'm like, why? Why didn't you do it? Kind of like you asked the guy, like, why? Why aren't you doing it now? He goes, oh, it's too late. And I remember thinking, it's never too late. It's not. Come on, man, come on, let's do that.

[Colin O'Brady]

It's never too late. And furthermore, there's this classic thing about our identity that forms over time that, you know, I don't know when it exactly forms, but Sometime in our 20s or 30s, we start to be like, this is the type of person that I am. It's funny, kids don't have this. And I've asked kids this question, what's your Everest? And then gymnasium full of 500 kids. I get 500 hands raised in the air, calling my Mount Everest to be the first person in my family to graduate from college or to get the snow leopards off the endangered species list, you know, then I ask high school kids a little bit fewer hands. I ask, you know, college kids a fewer hands. I ask adults, you know, middle aged adults, way fewer hands. And what I realize is I have this concept that I call the possible mindset. What I think of an empowered way of thinking that unlocks a life of limitless possibilities. And we're born with this. Actually, we are born with thinking. Our life has these limitless possibilities. But life over time, as we get to adulthood and middle age kind of starts to box us in. The identity piece is, you know, your track Coach saying, well, I'm not a singer. And I realized you can just add one, one word to the end of that sentence. It changes everything. I'm not a singer yet. Yes, I'm not a singer yet. I haven't done it yet. Right? I haven't done it yet. And again, I won't get into the whole story, but, you know, from the book, I share a story of, you know, setting that goal to rowboat across Drake Passage and then actually realizing, like, well, I've actually never rowed a boat ever, anywhere. Discovery Channel's filming me, they're doing a big document.

[Joe Saul-Sehy]

I'm leaving.

[Colin O'Brady]

And three months, like, hey, by the way, guys, you know, just, just letting you know, I've. Before I set out to row the most challenging ocean in the world, I've already committed to it. I'm leaving in three months. I've actually never rode a boat ever, anywhere. So, you know, I've got a few things to learn. And that might sound reckless and extreme, but the point is, is I like to point out, look, Kobe Bryant at some point shot his first basket. You know, Meryl Streep tried out for her school play. You know, Stephen King sat down and penned a few sentences or a few paragraphs together before he wrote 64 the bestselling books of all time. Like, we are all novices. And just because you're a certain age at this moment in time doesn't mean you can't go back and become a beginner again. Particularly if that's, you know, to the misquote, the quote, if that's the song that's still inside of you.

[Joe Saul-Sehy]

Well, and I'm thinking about, as you're talking, I'm thinking about these kids in this gymnasium where you're talking, you know, and they want to be president or a firefighter or an astronaut. And then you get to a room of 50 year olds and they want a 3% raise and maybe a little, you know, one level bump up at the huge corporation. You're like, why did, when did our goals get, get so, so small, but you found yourself in this particular spot yourself? You are in the same malaise, Colin, that we're all in during the pandemic. Sounds like you hadn't changed your pajamas in like three days. Just another, another day when, when you decide to do this thing. So tell me where this idea of a 12 hour walk came from.

[Colin O'Brady]

Yeah, so going back a little bit, when I was walking across Antarctica solo, 12 hours ended up being my normal day. And that's because I was Trying to cross something called no one had ever done it in history solo, but also unsupported. So no resupplies of food or fuel. So I started out by dragging a 375 pound sled. Basically it's full of as many protein bars as I could fit in there, which honestly was still not enough. From day one, I was on a 3,000 calorie deficit. I was burning 10,000 calories a day and I quite literally, if I brought enough food to feed myself properly, it'd be a thousand pound sled and I couldn't pull it. So I mean, it's kind of like, it's like kind of like watching like the shot clock like tick down like every bite of food, every calorie in my sled. It's like I'm going to run out at some point and people have attempted this crossing. Someone died attempting the crossing. People have run out of food and had to be rescued. People thought it was impossible.

[Joe Saul-Sehy]

You said also, Colin, by the way, that you had trouble initially yourself adapting to the cold the first couple days.

[Colin O'Brady]

Oh, I mean, yes, I literally, in my previous book called the Impossible first, there's a whole chapter that's literally called Frozen Tears. Because the first few days I was so down on myself I could barely pull my slide. I was crying out there. But when it's minus 30, minus 40 degrees outside, turns out the tears, they freeze your face. Which if you already didn't feel pathetic enough crying alone, then when the tears freeze your face, that's like the all time most pathetic feeling.

[Joe Saul-Sehy]

I can't even cry. I can't even cry.

[Colin O'Brady]

So anyway, so 12 hours ends up being kind of my day of pulling the sled, which absolute edge of my sort of physical capacity. But I made it to the other side of Antarctica just barely literally in the last bite of food, more or less. If I hadn't gone 12 hours a day, I wouldn't have made it. But what happened was there was an intense competitiveness. There's a whole other story about a guy who I was racing out there. I made it there first, but what I was left with as my body declined, as I lost all this weight, as there was frostbite on my face, was actually this deep sense of clarity in my own body, mind and spirit. I actually found these sort of deep meditative flow states of strength and clarity and fulfillment, connection to my family, you know, infinite love for community. I just kind of felt just really, really lit up kind of spiritually in my mind, body and soul. So when I got back, I was like, I got it. I've got it. I've kind of found this place in my mind and I can always go back there. And for a while that was true. And then a couple years later, you know, I had had some other successes along the route, but the pandemic hit. And I think we all remember March, April 2020, right? Like, just no matter who you are, where you were on the planet, your life was disrupted. And it was a scary time. I mean, it still is in some regard, but certainly a scary time in that moment. Like, borders are closing and people are dying and how bad is this thing? And stay in your house, you know, and all this kind of, you know, everything you got going on is canceled. What's happened with career, work, money, you know, just so much uncertainty, right? And I found myself in a pretty dark headspace during this period of time. I was on the Oregon coast where my family has a small house, just my. My wife, my dog and us kind of locked up in this house. And as you point out, my wife finally looks at me one day. She says, you know, you haven't changed out of pajamas in three days. You've been sitting on the couch. She calls it doom. Scrolling the news like I'm just scrolling another headline. This many people have done this. This is closed. This isn't how, you know, just like, you know, just your body's just full of this tension and anxiety. I mean, look, that was. I think we can all, you know, we've all probably been there. So anyways, I say to her, you know, the last time I felt really good, weirdly enough, was in Antarctica. Even though that was on the edge of my physical and emotional limit. There was something about the silence and the solitude of being out there. You know what I'm going to do tomorrow? I'm grasping at straws here. I'm being honest. I'm going to go for a walk outside. 12 hours by myself. My wife just kind of looks at me like, cool, have fun. I'll see you around dinner time, whatever.

[Joe Saul-Sehy]

And I think that Colin, just metaphorically, we all felt like we were in that place. Like, I would love just, you know, I feel like I'm kind of alone already, but damn, I just. Just turning everything off and going out on a long walk.

[Colin O'Brady]

Yeah. So what ends up happening is I walk out my front door. I'm walking for about 20 minutes. My phone buzzes in my pocket. You know, buddy of mine is texting me or something like that. Pull my phone out instinctively to text him Back or whatever. And I'm like, wait a second. Like, what am I doing? Like, I'm out here on a walk. I said I want to be alone. Like, I'm gonna put my phone in airplane mode. So I end up putting my phone in airplane mode and walk for 12 hours. No music, no podcasts, you know, nothing. And just me alone in my thoughts. And it ends up being a great experience. But I get back in the front door, I take breaks, I sit down, whatever, you know, it's not like I'm just like, you know, crushing miles, but, you know, I'm out there alone the whole time. And I walk back in the front door, and as I get back in my front door, my dog first jumps up on me and my wife sees me and she looks over and she goes, you're back. And I'm like, yeah, yeah, I told you I was coming back and told her. She goes, no, no, no, you're back. Like she could see in me that just like my spirit was back. And I was like, yeah, I gotta be honest, I feel better than I felt in a very long time. But I thought, I'll be honest, I was like, look, I'm the guy who walked across Antarctica and has these world records and this and that. Like, maybe just this is like a me thing. I didn't think it was like, you know, for nephew, for anybody else. But during COVID as we all did, tons of friends, colleagues, you know, friends, neighbors, et cetera, going through really tough times as well. Just kind of stuck in their own bodies, mind, souls. And I started just with people. Hey, you know, I don't know if this interested you, but I did this 12 hour walk and before I know it, dozens of people in my inner community started taking this walk. People of all different ages, backgrounds, my 77 year old mother in law, what that walk looked like for her was one time around her block, then sitting on her front porch for an hour, still maintaining her silence and solitude, then walking another time. So I always tell people, the 12 hour walk, it doesn't matter if you go one mile or 50. It doesn't. You know, this is not a race, but this is you tapping into the own power of your own mind. And I've never known a single person to take the 12 hour walk and not have a massive benefit. So the new book, at its core is this call to action, this invitation. But the book itself is about outlining the common, limiting beliefs that we all have through rich storytelling, through stories of adventure. But I'm sure there's somebody listening to this podcast right now that goes, yeah, that sounds like a great idea, but I don't have enough time. And I put that in the book.

[Joe Saul-Sehy]

No, no, no, wait a minute, Collins. So, you know, the book obviously called the 12 Hour Walk. I kind of know that's where you're going, but I think it's a metaphor. I had no idea that you were challenging us. So I get like a third of the way in, and I immediately, you know, as I'm reaching for another donut, I'm like, oh, oh, yeah, that sounds cool. Yeah, not me. I'm out. And then I'm like, no, he is really challenging all of us. And I'm like, okay, challenge accepted, man.

[Colin O'Brady]

I love it. I love it. Yeah. What I find interesting is even just the suggestion of it. Whether you're reading the book for the first time and it's suggested to you, or you're listening to this podcast and you're hearing this idea for the first time, the book is about conquering our minds. And I say invest one day. Conquer your mind. Unlock your best life. And what I found is it's been massively transformational for people. But the 12 hours, actually, interestingly enough, starts right in this moment. Of course, committing to it, taking the walk, that's powerful. But just in this moment right now, I'm holding up a mirror to you. Just like I'm holding up the mirror to you, Joe. When you're reading the book and you're going, wait, he's actually asking me to do this. And your mind goes somewhere, somewhere real quick, you're like, hey, wait, wait, me. And we start coming up with these excuses, right? I don't have enough time. I don't have enough money. I don't like being uncomfortable. What if I fail? What if someone criticizes me? These are common things that we all have looping in our brain. But this moment, just the suggestion of it, is an interesting thing, because I like to say, I'm holding a mirror up to you. And most likely I found whatever limiting beliefs you're applying to the 12 hour walk are most likely the same limiting beliefs that keep coming up in your brain overall, all sorts of opportunities and all sorts of windows and doors that you could go through that would actually change your life in a positive way. And so if you are the. If you have the gumption to be like, okay, I don't have enough time. But you know what? You reprioritize your time. You take this day, you get the babysitter, you get your spouse, to look after the kids for the day. And you go and you do this and it's positive for you. Well, you realize, you look back, you go, oh, that limiting belief that popped up before that, that was just a belief. That's not a limiting fact or a limiting truth. I can rewrite this narrative in my own mind. And so the 12 hour walk. The book, of course, is prescriptive in a lot of ways and shares a lot of advice. But what the magic is, is the experience itself imprinting on you in a viscerally felt, somatic way a lesson that you can take not just by reading words on a page, but the words on the page are interesting, but by having this experience yourself that deeply imprints the lessons.

[Joe Saul-Sehy]

The series of dominoes, Colin, that went on in my head to your point was incredible. Oh no, no, no, no, no, not me, I can't. And then I. And then, you know, then the competing thought, which was you out on the ice in Antarctica when you're head to head with this guy and you're like, why not me go another hour. Why not me move from 10 to 11 hours in 11 to 12, I was like, why not me walk 12 hours? Why? Why not? Of course I can. And I immediately had to check myself. But had you not challenged me, I never would have, like, I totally never would have. I would have been like, nope, another donut. Not doing that.

[Colin O'Brady]

And look, this literally is meant to meet people wherever they are at in this moment. It's not something to train for. Like I said, take as many breaks as you want, rest.

[Joe Saul-Sehy]

What?

[Colin O'Brady]

The biggest challenge for people I found is just turning the phone off and being alone. Your own thoughts for 12 hours. Right? But that's powerful. And it's not to vilify technology and say, now throw away your phone and become a monk. You know, that's not what I'm saying here. It's just a day, a day of reset in our mind. Resets our creativity, resets the balance, resets our priorities, and ultimately allows us to conquer our mind in a really powerful way. From all the people that I've known to do it.

[Joe Saul-Sehy]

Yeah. And the book again is called the 12 Hour Walk. Invest one day, conquer your mind and unlock your best life. It is a challenge to all of us, but it also is conquering your limiting beliefs. And you walk through them one by one and just knock them down. Last question. And this just kept coming up. You and dorm, you walking across Antarctica, you on Everest. I'm thinking about all of these times and I'm Thinking, is there a time, more than any other, where you thought maybe I pushed it too far? Like, maybe this is it. Maybe I'm in over my head.

[Colin O'Brady]

Yeah, I'm not sure how far you got in the book, but chapter eight goes pretty deep on this, which is I. I lose some friends in a bad climbing accident, and my intuition of all things high up on a Mountain in K2 in Pakistan in the middle of winter actually saves me. But the long story short is, is there is an edge. It's not always about pushing further and faster and even, you know, full circle as a concluding thought that that's what the 12 hour walk is. It's a moment to reflect. It's not a moment to do some crazy thing and blow up your whole life on the other side of it. It's just a moment to reflect, to make some reorientation. Even if it's a few degrees one way to the right, a few degrees to the left or the right, that can have huge, huge ripple effects over a full life.

[Joe Saul-Sehy]

Well, now I'm. Now I'm excited to read the second half of the book. Although there's a pit in my stomach already as I, as I get to that point. Colin, thanks for spending some time with us and, and helping us all be a little more brave. I appreciate it.

[Colin O'Brady]

Thank you so much.

[Doug]

Hey there, Stackers. I'm Joe's mom's neighbor, Doug. You know, money is like oxygen. Some people pay a lot of it to climb Mount Everest so they can suffocate. I like it down here in the basement where I can breathe easy as long as Joe hasn't had tacos for lunch. You know what I mean? But you know, people have even gotten. Gotten married up on that mountain. Maybe an idea for anyone hoping to disinvite relatives to the ceremony. So my question is, how many weddings have there been on Mount Everest? We'll be back with the answer after I go off an oxygen tank. No reason.

[Joe Saul-Sehy]

I gotta tell you, Stackers, nothing has made my life better in the past month than adding AG1 to my morning routine. It's one easy level scoop per day. It comes in three different flavors. I like the original flavor, but they have tropical, they have berry. It actually tastes good. And what's even better is not only me, but my spouse. Cheryl started taking it once she dug into exactly what AG1 is all about. You could do that too. It has been fantastic. First of all, my awareness of my energy throughout the day. I noticed a bump right away. Now you might think, well, that's a placebo, Joe, like you start taking this thing. I've had such busy days. I've completely forgotten about it until the end of the day. And then when Cheryl starts sharing with me what a great day she's had and then I share with her what a great day I've had and we're like, wait a minute, what's changed? Well, the answer has been AG1. So while crowded airports and travel are causing strain on our system, antioxidants, probiotics and functional mushrooms help support immune resilience. As we've got more darkness in our life with the time change at this time of year, shorter days that could throw off your rhythm. Superfoods and B vitamin support help steady energy without that crash. And holiday meals, well, you know that means you're getting lost in sweets and snacking. A full spectrum of micronutrients from whole Foods help fill nutritional gaps. AG1 One scoop added to 8 to 10 ounces of water every morning on an empty stomach. I use it, Cheryl's using it. I think you're gonna love it too. Head to drink. Ag1.comSB and they're gonna give you a free welcome kit with an AG1 flavor sampler and a bottle of vitamin D3 plus K2 when you first subscribe. That's drinkag1.com SB this episode is brought to you by Progressive Insurance. Fiscally responsible financial geniuses, monetary magicians. These are things people say about drivers who switch their car insurance to Progressive.

[Doug]

And save hundreds because Progressive offers discounts.

[Joe Saul-Sehy]

For paying in full, owning a home and more. Plus you can count on their great.

[Doug]

Customer service to help you when you need it.

[Joe Saul-Sehy]

So your dollar goes a long way. Visit progressive.com to see if you could.

[Doug]

Save on car insurance insurance, Progressive Casualty.

[Joe Saul-Sehy]

Insurance company and affiliates.

[Doug]

Potential savings will vary. Not available in all states or situations.

[Joe Saul-Sehy]

It's time for Black Friday. Dell Technologies biggest sale of the year. Enjoy huge savings on select PCs like the Dell 16 plus featuring Intel Core Ultra processors and with built in advanced features, it's the PC that helps you do more for faster and with built in advanced features, it's the PC that helps you do more faster. Plus earn Dell rewards and enjoy many other benefits like free shipping, price match guarantee and expert support. They have huge deals on accessories that pair perfectly with your Dell PC and make perfect gifts for everyone on your list. Shop [e-mail] deals.

[Doug]

Hey there stackers. I'm into bed climber and ice cream endurance athlete Joe's mom's neighbor Doug. You thought your wedding was Expensive. Well, imagine getting married on the tallest mountain on earth. It can cost a hundred grand just to make it to the top. Destination weddings piss everyone off, but I swear to God, if you invite meteor wedding on Mount Everest, we're definitely donezo. So how many weddings have there been? Just one. That's a couple that began their marriage on a high note, huh?

[Joe Saul-Sehy]

Big thanks to Colin o' Brady for stopping by. That guy og. Fairly close to having the same endurance you do.

[Rob Berger]

Yes, it's about the same. I mean if he worked out just a smidge more, I was going to.

[Joe Saul-Sehy]

Ask him if you ever peloton at.

[Rob Berger]

Least three days a month for four.

[Joe Saul-Sehy]

Years in your bedroom, Colin, have you ever done that? Huh? Antarctica.

[Rob Berger]

Yeah, easy. Try doing a ride with Robin Arzon.

[Joe Saul-Sehy]

45 whole minutes. I don't know if you could make it, Colin. I'm just telling you it was, it was difficult. We did that one climb near the end where we had the 16 vertical feet. Going 16ft. All right, let's start with David Lifeline and tackle some of life's most important questions. Today we actually got a letter in here to the basement. A letter. And by the way, when you send us a letter, that's very nice. However, the way to get some swag is to shoot us a voicemail. Stacky benjamin.com voicemail this comes to us from listener Robert. Robert says he's 57 years old. He has both traditional and Roth 401k options from his employer. In the past he's been splitting his contributions between the two, the Roth and the traditional. About 50, 50 just to get some immediate tax savings and to get the future tax free growth because he doesn't know where tax rates are going to go. In total he has about $1.6 million and it's overall right now about 20% Roth, 80% taxable. And he's wondering if he should change it here to 100 traditional because he's 57 and he should probably take the tax win today or if he should continue that mix. If there's any other considerations besides what he's mentioned above that he's heard rules of thumb like if you're young, then 100% Roth, but if you're older and your income's at the highest tax rate, then 100% traditional. His income for his family is about 170,000 and they're on the older. So he's thinking he falls kind of between the two. So that's where his 5050 split comes from. What are you thinking about that OG does he, does he keep the split? Does he go all Roth? Does he go all traditional?

[Rob Berger]

This is the interesting debate about this because there's no way to know whether or not you're taxing decisions are going to be correct until, you know, 15 years from now when you get to find out whether or not your tax decisions are correct. I think that having a combination gives you options as you think about the future from a withdrawal standpoint, future tax rates, we don't know what they're going to look like. But having the opportunity to take money from different places, to kind of optimize whatever the situation happens to be in the year in which you need the money makes a lot of sense. And if you're kind of sort of on that 80, 20 side right now where only 20% of your savings are tax free and the other amount will be taxable, or is right now, I guess, pre tax, then I could see a case being made for paying the tax bill now and going 100% Roth, because any matching contributions will be pre tax. Assuming that you get some of those and with the amount of money that you can put in with the catch up contributions, you'll start piling it on. There's not a lot of years left. I don't know how many years you plan on working, maybe another 8 or 10 years. So if you put in 25,000 a year for 10 years, you might get to another 250k of contributions. But in reality, from a percentage standpoint, that's still going to be a relatively small percentage of your overall total if you can afford the taxes. Because that's the other side of it. You know, if you're contributing money pre tax, you're getting a tax break today, which allows you to kind of get more bang for your buck as it relates to cash flow today. You know, without doing that, you're going to have another, you know, give or take probably 8, $10,000 in taxes, maybe more, depending on your state or local area. So you got to be able to kind of cash flow that, that's kind of a consideration. And then other areas where you're going to have future income, if your future income is basically 401 money and pension or Social Security, then I like the idea of, of going Roth if you.

[Joe Saul-Sehy]

Can pull it off.

[Rob Berger]

Go Roth if you can pull it off.

[Joe Saul-Sehy]

Hashtag bam. I think that's just a good hashtag for anybody. I really like what David McKnight, tax expert David McKnight said, oh, gee, when he was on the show, which is that if you just do the math. If you just do the math that tax rates have to go up. That they have to go up. I mean, there's. There just is no way around this. Well, there is another uglier way around this, this deficit that the government has. But assuming that they're going to try to solve the problem in a different way than just by devaluing a currency, well, then you have to take care of it by raising taxes. And if that's the case, then the Roth IRA makes a lot of sense if tax rates are going to go up in the future. But it also makes sense even if they stay the same, right? I mean, if they stay the same.

[Rob Berger]

And you're also betting on the fact that they don't ever change the Roth rules, which, you know.

[Joe Saul-Sehy]

Yeah, yeah.

[Rob Berger]

Like, who knows, right? I mean, that's the point, I think, is what you're making is we don't have any idea what the future is going to be. And we can kind of sort of get a sense of, hey, I think over the next couple of years it might look like this, but if you're 57, we don't have any idea what it's going to look like in 2062. You know, I mean, how many elections are there? How many, you know, what's going to happen over the next 40 years? And you'll still be in your 90s, taking money out of your 401k at that time. So I think flexibility is really kind of the name of the game. And if you're looking at your investment accounts this year, of course they're down a little bit. This kind of also puts in the, you know, should I contribute a little bit faster? You know, the market's down a little bit. Can I afford to pull forward some of those contributions that I would normally have spaced out throughout the year, take advantage of it. It's down a little bit. Maybe, maybe it makes sense. You've been doing pre tax this whole time, flip it to Roth. Because if you believe as I do that the market will eventually recover that recovery, even just getting back to quote unquote, even money, that Recovery is a plus 20%.

[Joe Saul-Sehy]

Right?

[Rob Berger]

So that first, you know, that's all tax free if you do it as Roth contributions. Right. So, you know, you can kind of get a little tactical with it if you want, but if you just kind of read the tea leaves like you're saying, it seems like you have to assume that you're going to be paying some taxes in the future. And if you have a place that presently allows you to not have taxes when you take the money out. Sounds like a pretty sweet deal.

[Joe Saul-Sehy]

Yeah, sure does. Thanks for the question, Robert. By the way. If you want to have OG answer a question, of course you can also send us a message. However, the way to really, really have some fun and get some sweet stacking Benjamin swag is to head to stackingbenjamins.com voicemail and Robert could have left this as a voicemail and he would have scored a shirt. But still. Thanks for that question, Robert. That's only one of two ways to get free swag. Oh, gee. The other one is of course, referring people to the 201 newsletter.

[Rob Berger]

So by free swag, you mean hanging out with me?

[Joe Saul-Sehy]

That's. That's the other. That's the other thing. I gotta. Speaking of hanging out with me, I gotta keep. I gotta keep working on this. I'm. I'm about to give a couple of financial planning speeches at a couple of companies and I'm.

[Rob Berger]

Do tell.

[Joe Saul-Sehy]

But those people, you know, I gotta make it worth hanging out with me. I gotta really. I gotta focus on, like, making it so that I bring the wow. You know what I mean?

[Rob Berger]

You've been bringing the wow, Joe, for just taking as I've known you.

[Joe Saul-Sehy]

Stop speaking of bringing the wow. If you want to bring the wow to your financial planning, Bam. How about that, huh? Oh, yeah, that's a good one. If you want to bring the wow to your financial planning, OG and his team are taking clients to think bigger about your financial goals. You need the right people in your corner. Stacking Benjamins.com OG gets you to their calendar. And that's the first step on the upgrade when it comes to thinking bigger about your money. All right, that's going to do it for today. Coming up on Wednesday, Amanda, we have a great show. Oh, gee. As usual, however, listen to this. The man behind our sister podcast. Sister podcast, Brother podcast. I don't know. Jordan Grummet, AKA Doc G, over at the Earn and Invest podcast, has written a fantastic book called Taking Stock. I love this as a guy who's. For those of you that don't know Doc G's background, don't know much about the Earn and Invest podcast. He is a hospice doctor and often works with people that. When you're a hospice doctor, OG that means that you're. You're facing the end of your life. And he's looking at the lens of how to live your life through the eyes of people that are at the end of their life. And man, there's some big, big takeaways we're going to talk about on Wednesday, just like we did today with Colin o'. Brady. Speaking of takeaways, Doug, what should we have learned today?

[Doug]

So what should we have learned today? First, take a lesson from Colin o'. Brady. Take a walk. Better yet, challenge that voice inside of you saying, I'm not sure you aren't yet. Second, stockpile. Now that there's a monthly fee, it's probably time to find another option when gifting stock. But the big lesson Mount Everest might be the perfect place to get married. I mean, you wouldn't be sweating in your tucks. Chances are your mother in law wouldn't even be there. And if you ever need to get it annulled, you can just blame it on the lack of oxygen. Thanks to Colin o' Brady for joining us. His book the twelve Hour Walk is available at the Top of Mount Everest for your favorite, favorite bookstore. One of those two is correct. I'll let you figure it out. This show is the property of SP Podcasts, LLC, Copyright 2022 and is created by Joe Salsihai. Our producer is Karen Repine. The show is written by the brilliant Paulette perhaps with help from Joe, Me and Doc G from the Earn and Invest podcast. After you listen to our show, check out the 201 deep dives written by our website manager and blog editor Brooke Miller. You'll find the 411 on all things money at the 201. Just go to stackingbenjamins.com 201 once we bottle up all this goodness, we ship it to our engineer, the amazing Steve Stewart. Steve helps the rest of our team sound nearly as good as I do right now. Want to chat with friends about the show later? Mom's friend Gertrude is our social media coordinator and the room mother in our Facebook group called the Basement. So say hello when you see us posting online. Here's a weird fact, both she and Tina Eichenberg are never in the same.

[Joe Saul-Sehy]

Room at the same time.

[Doug]

Time to join all the Basement fun with other stackers type stackingbenjamins.com basement I'm Joe's mom's neighbor Doug and we'll see you next time back here at the Stacking Benjamin Show. Not only should you not take advice from these dorks, 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.

[Joe Saul-Sehy]

Sam Foreign to the after show. Oh gee, I've been doing some traveling as you know. And I gotta say, there's expensive entertainment and there is inexpensive entertainment for expensive entertainment. Have you been. You've been to a Cirque du Soleil show, haven't you? Have we talked about this?

[Rob Berger]

I haven't. I have not. I go to Vegas for like a 24 hour period.

[Joe Saul-Sehy]

Yeah.

[Rob Berger]

It's about as much as I can take and I haven't been in years.

[Joe Saul-Sehy]

I agree. There's a podcast I've listened to for a long time called Giant Bomb. It's a video game podcast. And I remember one of their hosts saying that he loves Vegas, but here's his impression of Vegas. Day one. Oh, man, this is cool. We can do so much. This is great. Day two is, wow, are there a lot of bright lights? It feels like there's a lot of bright lights all the time, man, it's loud here. Day three, I gotta get the out of here.

[Colin O'Brady]

Yeah.

[Joe Saul-Sehy]

Like, literally just doubt. And that is me. Every time in Vegas, I show up and I'm like, oh, I can't wait. This is so great. By the way, the big change in Vegas this time because Cheryl went with me to celebrate the end of. End of the tour. And that's what I want to talk about here with expensive entertainment. But it smelled like. It smelled like weed.

[Rob Berger]

Oh, that kind of expensive entertainment, dude. The whole thinking something completely different.

[Joe Saul-Sehy]

No, no, no, no. I'm talking about. So, no, no, I'm talking. I'm going to talk about Cirque du Soleil, which was expensive entertainment. However, I'll tell you this. I've never been on the Strip where it smelled so much like weed. Just, I was getting a contact buzz just walking down the street.

[Rob Berger]

And by the way, you're like, I was gonna go. I was gonna go play some blackjack. I'm gonna go for a walk, kind of. Kind of clear my head a little bit. Sweetheart.

[Joe Saul-Sehy]

Yeah, yeah. Renata K. Smith, who runs the Shoes Fi Phoenix group, where we were, where I was just before the tour stopped, just before going to Vegas, warned me ahead of time. She's like, oh, it smells like weed. I'm like, yeah, I smell from time to time. No, it smells like weed, period. Huh? But Cheryl says, hey, we're going to see Cirque du Soleil. And I wanted to see the Beatles. Love. After having Daniel Lamar on earlier this year, the CEO, you know, longtime CEO of Cirque du Soleil and board member, and his fantastic book Balancing Acts, which I absolutely love. You know, we interview a lot of people, but I don't get to read many of the books end to end. And this book is just phenomenal about running a business, about emotional competence, about lightening up your workforce so that you're able to actually do more. Just powerful stuff. And he, he told stories here on the show about negotiating with the Beatles and also with MGM to change that theater at the Mirage. So I was really excited to see it. Well, we got there and Cheryl shows the guy the tickets and he goes, oh, you need to go down by Michelle because it's in, you know, section whatever 102 or something. And so we walked down to Michelle, who's in the lower area. And then Cheryl goes, oh, I gotta use the restroom. And so she leaves. And Michelle goes, what, what row are you in? I'm like, I got no idea. So I'm hanging out with the woman from Cirque du Soleil who seats people and she's like, have you ever been to a show? I'm like, yeah, this is my fourth one and I might have had a couple of adult beverages in me by then. So I proceeded to start and a.

[Rob Berger]

Walk up and down the.

[Joe Saul-Sehy]

Yeah, right, right. So I proceed.

[Rob Berger]

You're getting it from both sides.

[Joe Saul-Sehy]

I was like, in my head, I was saying, michelle, I would like to regale you with the discussion about Daniel Lamar, your CEO who is on our podcast. Instead, I'm sure I said, dude, dude. So there was this dude. Sweet, sweet.

[Rob Berger]

What's mind say, dude?

[Joe Saul-Sehy]

Oh man. She's thinking, why does this guy smell like weed and his. And his eyes are all red. No, but I had had a couple of adult beverages and I'm. And I told her, plus I just, I gotta stand next to her anyway. And she asked. I'm like, yeah, we have this podcast and your CEO was on our show. And she's like, great. Actually, what she should have said was your line og she should have said, oh, crazy. Because you could tell she didn't care. She's like, oh, neat, Weird. Oh, cool. Wow, cool. Oh, you have a podcast just like everybody else. Great Fanta. Oh, tell me all about your podcast. Please don't, please, please don't. That's crazy. So I stand with her for a little bit and then Cheryl comes back down. She's like, what are you standing here for? I'm like, oh, because you didn't share with us what. What row we're in. And she's like, oh. And then she hands the tickets to Michelle and we are first row, right in front. And Joe got a little teary eyed. I must Say I was a little emotional, which was, I felt like a pansy on one end, but on the other side it was just, it was a, it was a nice surprise to end that 40 cities. So that's expensive entertainment, let me tell you. Cheap entertainment. The part that wasn't cheap was we're in Egypt and Jordan, but we're, but we're, we're floating down the Nile, which is not cheap to do. That part's not cheap. However, my buddy Malcolm and I love.

[Rob Berger]

The stories that start with. So there I was, floating down the Nile as you do, reenacting Moses as.

[Joe Saul-Sehy]

You ever see death on the Nile? Yes, there's, there was a bar area on our boat and because it was a hundred and scorching out, we decided that we would sit in this bar area. And I brought with me this little card game to Egypt that a friend of ours and you met this guy in Atlanta. We had a fun event in Atlanta, didn't we? Remember? It was a really big warehouse. It was, it was kind of newish and the people, it was like a family run business. And we had, I don't know, 30, 35 nice Atlanta based stackers there. But Joel brought a couple guys with him. But Joel also told me, he goes, hey, I want to send you a couple games that my family plays. I'm like, oh, you really don't have to do that. But he did. When I got home, there were two games waiting for me and one was this game called Tutto. So, you know, I've played a lot of games and I kind of. All right, I'll just take this because it was really, it's just really small. It's got a little deck of cards and six dice in this little tiny box. I asked my buddy Malcolm if he wants to learn the rules with me. It takes us three minutes to learn the rules to this game. Tutto. It is a push your luck dice rolling game, super easy game. You just roll all six dice. If you roll a one or a five, it's, it's like Yahtzee where you take the die away and then you roll the rest. And if you crap out, you know you're done. So you kind of push your luck. Am I going to roll again or am I going to keep just what I got? So first thing you do is you turn over a card just to see what game you're playing, how many bonus points you get if you tuttle, which means you make all six dice count. Then you roll the dice. If it's a one or a five, you get to keep it. A one is 100 points, five is 50, you play to 6,000 points, you play for a while. However, if you get a three of a kind, like twos, threes, fours, fives, that's 2003-004005-00600. One's three ones or a thousand, you got to roll them all in one roll, otherwise they don't count. But there's all these rules. There's one card where if you make all six dice count, which is called a tutto, if you do that twice, you just automatically win the game. Game's over. OG and it's super fun because one guy's winning and then the person in last place turns over this card and everybody, you know, later on we're playing with six people and everybody's leaning over the table because OG might win the game on this role even though he's in last place.

[Rob Berger]

Nice.

[Joe Saul-Sehy]

There's other cards, like a fireworks show. You got to get a straight. There's all this. It is. It was so fun. My buddy Malcolm, who's every bit the game snob, I, I am, wrote me when we got home. He's texted me and said, hey, just got home, bought four copies of Tuttle, but one for his house, one for his family cabin that he shares with brothers and sisters, one to give to his sister in law and one to give to his son. He's like, I love that game. And every time we played this game, Tuttle. So Joel, big shout out. That is very cheap entertainment. It's a t U, t T O if you want to look it up. Okay. Super game. So big. Thanks to Joel, by the way. Way cheaper than those front rows, front row. Cirque.

[Rob Berger]

Dat, yes, yes.

[Joe Saul-Sehy]

But both fun.

[Rob Berger]

So I've been told.