Dollars With Dennis

You’ve worked hard, saved well, and now you’re thinking about giving back, maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you’re still around to enjoy the impact? Let’s talk about how to make that decision with confidence. In this episode, Dennis walks through the key financial and emotional factors that go into smart...

The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In this episode, Dennis dives into what this update really means, and...

Target-date funds just passed $4 trillion in assets. They’re now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice… or just the easiest one? In this episode, Dennis breaks down the good, the bad, and the misunderstood aspects of target-date funds.  Here’s some of what we discuss in this episode:...

Graduation season is an exciting milestone, not just for the grads, but for parents and grandparents who have supported them along the way. Today, Dennis shares practical ways you can help your graduate make smart financial decisions early, along with actions that could have a lasting impact on their future. Here’s some of what we discuss in this episode: 💸 The gift of compound interest  🚨 What...

Today we’re answering a smart question from a viewer about hiring a spouse or children in a family business. When structured properly, this strategy can create significant tax advantages and strengthen retirement savings. However, it also carries risks if not handled correctly. In this episode, Dennis breaks down how to use family hiring to reduce taxable income, fund retirement accounts like Roth...

A little hope is good for the soul, but when it comes to retirement planning, wishful thinking can lead to serious financial mistakes. Today, Dennis walks through five common examples of wishful thinking that can quietly damage your retirement and how you can build a plan that protects your future instead of relying on luck. Here’s some of what we discuss in this episode: 💸 Taxes may not shrink j...

Could your obsession with saving be costing you the life you actually want to live? We all know that saving for retirement is important, but sometimes we go too far and forget to enjoy the present. In this episode, Dennis answers a viewer’s question about how to find the right balance between planning for the future and living fully right now. Here’s some of what we discuss in this episode: 💡When...

The market is down. Big time. And if you’re feeling the pressure, you’re not alone. But how we respond in moments like this often has roots in the crashes we’ve lived through before. In this episode, Dennis looks at how past market meltdowns shaped investor psychology, how today’s chaos might be leaving its own mark, and what lessons we can take with us to navigate what’s next. Here’s some of what...

When markets crash or headlines scream doom, it’s not just your portfolio that feels the stress, your relationship can too. If you and your spouse see risk differently or struggle to stay on the same page during financial turmoil, you’re not alone. In this episode, Dennis shares practical wisdom on navigating money conversations when fear, confusion, or disagreement starts to take over.  Here’s so...

When the market is volatile, it's easy to feel like you're the only one who's ever felt this anxious. But the truth is, some of the greatest investors in history have lived through chaos — and they left behind wisdom that still applies today. In this episode, Dennis turns to voices like Warren Buffett, Benjamin Graham, and Jack Bogle to remind us how to think, act, and stay grounded...

The headlines are loud, the markets are messy, and your gut might be telling you to do something— anything —right now. But what should you actually do when your portfolio takes a hit? In this episode, Dennis walks through four key steps to take when markets get volatile, including how to gut-check your plan, reassess your risk, and make smart adjustments without making emotional mistakes. Here’s s...

Rolling over a 401(k) can be a smart move, but it has to be done the right way. In this episode, Dennis shares the key decisions and risks that come with moving your old retirement accounts into an IRA. He explains when a rollover makes sense, what tax traps to avoid, and how to personalize your investment strategy once the transfer is complete. Here’s some of what we discuss in this episode: 💼 W...

When it comes to saving for retirement, one of the most common questions is also one of the most misunderstood: should I contribute to a traditional or Roth account? And which one offers the smartest long-term tax strategy? In this episode, Dennis breaks down what makes each option unique and why the answer isn’t one-size-fits-all. He also shares his “seed vs. wagon” analogy to help explain why ta...

Have you reached retirement age, but something just doesn’t feel right? Financially, emotionally, or both? You’re not alone. In this episode, Dennis gets real about what it actually means to be ready for retirement. From clients who feel uncertain to those who’ve done all the “right” things but still feel unsure, Dennis shares the truth: being ready to retire is about more than just the numbers. H...

As you approach retirement, one of the most important concepts to understand is the financial red zone. This critical time frame, typically defined as the five to ten years leading up to retirement, is where your financial decisions can make a significant impact on your future.  In this episode, we explore the ins and outs of the retirement red zone, providing insights and strategies to help you n...

Today we wrap up our four-part introduction to Faith 401K & Money Management by going inside our planning process to give you a better understanding of what clients can expect when working with us. From the first meeting to annual check-ins, Dennis breaks down how planning starts with personal connection and data gathering—not just numbers. Communication is also extremely important for plannin...

In this episode—part three of our four-part series about Faith 401K & Money Management —we explore the key traits of an ideal client and the unique financial challenges they face when preparing for retirement. With a focus on personal connection and faith-based financial principles, Dennis shares how his approach goes beyond investing to help clients build a secure and purpose-driven retiremen...

Today is part two of our series introducing you to Faith 401K & Money Management, and this episode is all about founder Dennis Horr. We’ll take you outside of the office and into his time away from work to give you a look into the personal side of life. While he’s known for guiding clients toward financial success, his journey began far from the finance world—on a dairy farm, where early lesso...

In the first episode of our four-part series about our business, Dennis Horr, founder of Faith 401K & Money Management shares the story of how the company began. From growing up on a dairy farm to climbing the corporate ladder, Dennis found his true calling in financial planning with a focus on faith and community.  We’ll talk about how our firm integrates biblical principles into financial ad...