Dr. Daniel Crosby

speaker

229 appearances 1 recordings 1 series first heard Jul 2026 last heard 31 Jul

Dr. Daniel Crosby’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.

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The Stacking Benjamins Show · Why Smart People Make Dumb Money Decisions SB1877 · 31 Jul 2026 podcast

But when it comes to the single thing that has cost me the most money, it was absolutely a poor housing decision that we made years ago.

We bit off a really big house, an expensive house.

And when we were going to pay for the house, I realized that my credit score was in the garbage because I had forgotten to pay a phone bill when I moved offices years and years in the past.

This is amazing.

Yeah, a guy who's never missed a credit card payment ever.

I had some T-Mobile bill from 10 years previous that had gotten sent to collections.

And so we had to put down about a 55% down payment on this house, which is, of course, way more than we were expecting.

So we were house poor.

We were, you know, very heavy in on this house.

And that process disrupted my plan for years.

And I'm not kidding you.

It has cost me at least a million dollars over time because it made me so risk averse.

I was so heavy.

Oh.

I was so heavy into this house.

It disrupted the flow of this good sort of saving and investing path that I was on.

And I was so cash poor and house poor for so many years.

And just it got me off my game.

So even though I made, you know, I doubled my money on the house and all this stuff, it still was absolutely the worst decision I've ever made because of the way it kind of got me off my game and broke my concentration.

Yeah, there's actually a couple of specific flavors of overconfidence.

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