Henssler Money Talks

Is Gen Z facing greater financial challenges than previous generations, or have expectations of financial success changed? From young adults who believe homeownership is out of reach to those expecting six-figure salaries, we examine the financial realities facing Gen Z and how parents can help their children build wealth without creating dependence. Then, we're joined by Shanna Squires of He...

Investing according to your personal values may sound straightforward, but excluding certain stocks or industries can have unintended consequences for your portfolio. From limiting diversification and investment opportunities to navigating the complexities of ESG ratings and mutual fund holdings, the “Henssler Money Talks” hosts examine the trade-offs of values-based investing—and whether avoiding...

How much control should you have over where your money is invested, and what happens when your financial decisions come with restrictions?  We start with Trump Accounts, examining the investment limitations, questions surrounding donated shares, and what parents should understand about how their children's money is invested. From there, we broaden the conversation to the moral dilemma of inve...

When was the last time investors had an opportunity to lock in attractive bond yields while the stock market was also performing well? With certain fixed-income investments offering yields above inflation, today’s market conditions may present an opportunity to replenish liquidity reserves. The “Henssler Money Talks” hosts discuss how the Henssler Ten Year Rule helps investors prepare for future s...

As vehicle prices continue to climb, consumers are stretching their loans to seven, eight, and even nine years to make monthly payments more manageable. But what does that extended financing really cost? We examine the financial consequences of longer auto loans before turning to the opportunities higher interest rates may present for savers. With certain fixed-income investments offering yields a...

The “Henssler Money Talks” hosts build on last week’s conversation about allowing yourself to spend your retirement savings: When your financial plan says you can afford a major purchase, which account should pay for it? We weigh the tax consequences of tapping a traditional IRA against using Roth assets that could continue growing tax-free for you or your heirs. Original Air Date: October 3, 2026...

This week, we look at what’s happening beneath the market headlines — from a widening divide among consumers to the impact of higher interest rates on different parts of the market. We examine why consumer discretionary stocks may not tell the full story about spending, how the K-shaped economy is creating winners and losers even among close competitors, and what NVIDIA’s massive $150 billion shar...

Can you actually be too good at saving for retirement? After decades of building wealth, some retirees find that spending it is harder than saving it. This week, the “Henssler Money Talks” explore how a long-term financial plan can help determine when you have room to spend, give and enjoy more of what you’ve accumulated—and give yourself permission to do it. Original Air Date: September 26, 2026...

Can you actually be too good at saving for retirement? This week, we explore why some retirees struggle to spend the wealth they spent decades accumulating, and why a thoughtful spending and gifting plan can be just as important as a savings plan. Next, mortgage lending is getting a new credit score. We break down VantageScore 4.0, how it differs from the traditional FICO scores long used for mort...

A 401(k) can do more than help employees save for retirement. Thoughtful plan design can support a business owner’s retirement goals, strengthen the company’s benefits package, and give employees meaningful opportunities to save. Director of Business Development, Justin Wagner, AIF®, joins "Henssler Money Talks" to look at how plan design, investment choices, and employee education can w...

What makes a workplace retirement plan worthwhile for everyone involved? Director of Business Development and retirement services expert Justin Wagner, AIF®, joins us to explain how a plan can be designed around a company’s goals, creating opportunities for business owners to save for retirement while helping attract, retain, and support employees. We also look at what happens after the plan is es...

Kyle Rinaudo of Reeves Law, P.C., joins the “Henssler Money Talks” hosts to discuss when your estate plan may need attention. From marriage, divorce, and growing families to outdated beneficiaries, business succession, and even digital assets, we explore why an estate plan shouldn’t simply be created and forgotten. Original Air Date: September 12, 2026 Read the Article: https://www.henssler.com/ke...

Planning for the future often means making decisions today based on what we think tomorrow will look like — but life, markets, and technology have a way of changing the picture. We begin with estate planning and 11 signs that your plan may need attention. From marriage, divorce, and growing families to outdated beneficiaries, business succession, and even digital assets, we look at why an estate p...

While we’re out of the studio this week, we’ve collected a selection of great discussions from the past few months. First, we look beyond the alarming headlines surrounding Social Security to explain what the projected shortfall could mean for Gen X — and how investors can prepare for an uncertain outcome without assuming their benefits will disappear. Then we answer a listener’s question many hom...

How much national debt is too much? The “Henssler Money Talks” hosts start with a listener question inspired by an economics lesson from the 1970s, comparing the nation’s debt with the size of the economy and discussing what could signal that the debt burden is becoming harder to sustain. We also examine the bond market’s role in keeping government borrowing in check and what could eventually thre...

How much national debt is too much? We start with a listener question inspired by an economics lesson from the 1970s, comparing the nation’s debt with the size of the economy and discussing what could signal that the debt burden is becoming harder to sustain. We also examine the bond market’s role in keeping government borrowing in check and what could eventually threaten the U.S. dollar’s status...

The “Henssler Money Talks” hosts turn their attention to the financial advice filling social media feeds. “Finfluencers” can introduce younger investors to valuable concepts like building credit, saving, and opening a Roth IRA, but popularity doesn’t necessarily equal expertise. We discuss how to distinguish useful financial education from advice that’s oversimplified, self-serving, or potentially...

Credit cards can be a useful financial tool, but between rewards, premium perks, and an endless stream of advice about how to use them, it’s easy for the basics to get lost. We start with the habits that matter most, from budgeting and consumer protections to paying balances in full, and discuss why how you use a credit card may matter more than which card you choose. Then, we look at the growing...

With the stock market continuing to reach record territory, the “Henssler Money Talks” hosts tackle a familiar question: What do you do with fresh cash when stocks are already at all-time highs? From rebalancing and paying down high-interest debt to fixed income, diversification, and putting money into the market gradually, we explore ways to put your next dollar to work without trying to predict...

Some financial decisions can’t be made by looking at just one number. This week, we start with major changes coming to federal student loan repayment and why married borrowers may need to consider not only their monthly payment, but how their tax-filing status affects both their cash flow and bigger financial picture. Then, a listener asks whether it’s time to rethink a healthcare fund he’s owned...

The “Henssler Money Talks” host take a closer look at securities-backed lines of credit and the heightened risks of borrowing against a concentrated stock position, including maintenance calls and forced sales when the share price falls.  Original Air Date: August 8, 2026 Read the Article: https://www.henssler.com/securities-backed-lines-of-credit-convenient-but-not-without-risk  

Accessing cash, building savings, and planning for retirement all involve choices between what we need today and what we may need tomorrow. We begin with securities-backed lines of credit and the heightened risks of borrowing against a concentrated stock position, including maintenance calls and forced sales when the share price falls.  Next, we examine Radish, a proposed employer-funded savings p...

The “Henssler Money Talks” hosts discuss one of the most common challenges investors face: balancing competing priorities like income, growth, downside protection, and liquidity. We look at the tradeoffs behind every investment decision, why you can’t compare your portfolio to the benchmark, and your asset allocation really needs to start with your financial plan. Original Air Date: August 1, 2026...

Technology continues to shape both the markets and the investment landscape. We begin with a look at the week’s biggest headlines—from Apple’s new leasing strategy and a strong earnings season to renewed pressure on global semiconductor stocks.  After the break, we discuss one of the most common challenges investors face: balancing competing priorities like income, growth, downside protection, and...

Why are some Americans building exceptional credit while others are falling further behind? Our latest “Henssler Money Talks” podcast explores the growing credit divide and what it reveals about today’s K-shaped economy. In this companion article, we go a step further—explaining what builds a strong credit score, why it matters, and how it can affect everything from borrowing costs to future finan...