The Stacking Benjamins Show · Monday, August 31, 2026
The Stacking Benjamin's show discusses using the concept of 'friction' to encourage saving, drawing on a Wall Street Journal article. They suggest that while technology removes friction from spending, individuals should intentionally create friction for beneficial financial behaviors, such as saving for retirement.
“So today we're gonna ask a different question. What happens tomorrow?”
“I was reading this lovely Wall Street Journal piece from Julia Carpenter called the Simple Mental Tricks That Make Us Better With Money.”
“And the idea that grabbed me was friction. Technology has become incredibly good at helping all of us remove friction from our spending.”
“So, here's the question, OG, why do we insist on building our lives around willpower? I'm going to willpower my way to financial success.”
“So Doug, I'm going to give you the financial behavior, and you tell me whether we should make it easy, remove friction, because we want it to happen. Or make it hard, add friction, because we want time to think before it happens.”