Advertise on podcast: Henssler Money Talks

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 above inflation, we discuss why a strong stock market and attractive bond yields could make this an opportune time to replenish liquidity reserves under our Ten Year Rule. Plus, we tackle two listener questions involving company stock and decisions that could have significant financial consequences. First, if you're retiring with highly appreciated employer stock in your 401(k), should you roll it into an IRA or transfer it to a taxable brokerage account? We explain how net unrealized appreciation (NUA) works and the tax considerations that could influence that decision. Then, when a company announces an all-cash acquisition, why does its stock continue trading below the agreed-upon purchase price? We explore whether investors should sell before the deal closes, hold out for the full buyout price, or consider buying additional shares to capture what looks like an easy return—and the risks that could make that opportunity less certain than it appears. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — October 10, 2026  |  Season 40, Episode 41 Timestamps and Chapters 6:01: 84 Months and Still $700 a Month?26:43: When Higher Rates Work in Your Favor35:31: Before You Roll Over That Company Stock46:03: The Buyout Premium: Is It Free Money?Follow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

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 Read the Article: https://www.henssler.com/you-can-afford-the-purchase-but-how-you-pay-matters

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 share-buyback authorization actually means for investors. We also answer a listener’s question about whether higher rates put Small- and Mid-Cap companies at a disadvantage and whether shifting toward Large Caps after a Fed move risks reacting too late. Finally, we dovetail off of last week’s conversation on allowing yourself to spend your retirement funds: 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. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — October 3, 2026  |  Season 40, Episode 40 Timestamps and Chapters 6:37: The Consumer Divide: K-Shaped Spending and a Split Discretionary Sector20:29: Stock Buybacks: What NVIDIA’s Record $150B Authorization Means30:24: Do Rate Hikes Hurt Small- and Mid-Cap Stocks More?38:11: Whose Roth Is It Anyway?Follow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

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 Read the Article: https://www.henssler.com/from-a-lifetime-of-saving-to-a-retirement-of-spending

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 mortgages, and what the change could mean for homebuyers — particularly those with limited credit histories. Finally, the Federal Reserve raised interest rates last week, but what mattered to investors was what the move — and the Fed’s outlook — could mean from here. We look at the market’s reaction, along with AI’s continued influence on market performance and the questions investors should keep in perspective. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — September 26, 2026  |  Season 40, Episode 39 Timestamps and Chapters 5:27: Permission to Spend27:14 Mortgage Lending Gets a New Score38:11: Higher Rates, AI MomentumFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

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 work together to create a retirement benefit that reflects the needs of the business and its workforce. Original Air Date: September 19, 2026 Read the Article: https://www.henssler.com/retirement-plans-good-for-employees-good-for-business

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 established and how employers can help their teams understand and use the benefit. Then, we take a deeper dive into a busy stretch for markets. With inflation progress showing signs of stalling, Treasury yields near levels not seen since 2007, and oil prices adding another wrinkle to the Federal Reserve’s decision-making, we examine what investors are watching. Plus, as increasingly powerful AI models raise new questions about autonomy and safeguards, we discuss why some technology leaders are calling for a more measured pace of development. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — September 19, 2026  |  Season 40, Episode 38 Timestamps and Chapters 4:28: Retirement Plans: Good for Employees, Good for Business2625: Market Roundup: Rates, Risks & Rogue AIFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

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/keeping-your-estate-plan-in-step-with-your-life

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 plan shouldn’t simply be created and forgotten. Then, could you save enough in your 30s or 40s to stop contributing toward retirement altogether? We explore Coast FI, the financial independence concept gaining attention on social media, and examine the assumptions about investment returns, inflation, and life changes that would have to hold up for the numbers to work. Finally, Tesla’s Cybercab is moving from concept toward real-world deployment. We discuss the growing robotaxi race, the technical and regulatory hurdles that remain, and whether autonomous transportation is approaching an inflection point—or still has a long road ahead. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — September 12, 2026  |  Season 40, Episode 37 Timestamps and Chapters 6:57: 11 Signs Your Estate Plan Needs Attention31:32: Coast FI: Freedom or False Confidence?42:54: Tesla’s Cybercab Takes the WheelFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

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 homeowners are asking: If you’ve locked in a 3% mortgage, should you stay put or move anyway? Sometimes the best financial decision isn’t the right decision for your lifestyle.  After the break, we break down one of the newest savings opportunities for families: Trump Accounts. Who qualifies for the new government-funded accounts? How do they work? And where might they fit alongside other long-term savings strategies for children and grandchildren? We'll separate the headlines from the practical considerations. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks — September 5, 2026  |  Season 40, Episode 36 Timestamps and Chapters 1:51: Will Social Security Be There for Gen X?13:37: Is Now the Wrong Time to Move?24:24: A New Way to Save for the Next GenerationFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

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 threaten the U.S. dollar’s status as the world’s dominant reserve currency. Original Air Date: August 29, 2026 Read the Article: https://www.henssler.com/dont-panic-over-40-trillion-dont-ignore-it-either

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 as the world’s dominant reserve currency. Then, Henssler Mortgage Advisors’ Shanna Squires joins us to break down mortgage rate buydowns. From paying points for a permanently lower rate to temporary buydowns and seller concessions, we look at what buyers are actually paying for, what goes in to calculating your break-even point, and why plans to sell or refinance can change the equation. Finally, a listener considering a sizable charitable gift asks whether it makes more sense to donate cash or highly appreciated stock. We explore the potential tax advantages of donating appreciated securities, why selling the stock first can change the outcome, and whether donating the shares and then buying the investment back could provide an opportunity to reset cost basis while maintaining market exposure. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks August 29, 2026  |  Season 40, Episode 35 Timestamps and Chapters 6:51: $40 Trillion in Debt: How Worried Should We Be?25:16: Buying Down Mortgage Rates: Worth It or Waste?38:01: Turning Stock Gains into Charitable GivingFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

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 risky — and why good financial habits still matter no matter where you get your advice. Original Air Date: August 22, 2026 Read the Article: https://www.henssler.com/finfluencers-and-financial-advice-who-should-you-trust

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 appeal of premium credit cards, particularly among younger consumers willing to pay hefty annual fees for airport lounges, travel credits, dining perks, and points. When do those benefits justify the price, and when does chasing rewards simply encourage more spending? Finally, we turn 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 risky — and why good financial habits still matter no matter where you get your advice. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.  Henssler Money Talks August 22, 2026  |  Season 40, Episode 34 Timestamps and Chapters 6:06: Playing Your Cards Right17:45: Points, Perks & Premium Prices33:40: Good Advice, Bad Advice & the FinfluencerFollow Henssler:   Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/  Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks. See important disclosures at Henssler.com

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 the next correction.  Original Air Date: August 15, 2026 Read the Article: https://www.henssler.com/market-all-time-highs-dont-put-your-financial-plan-on-hold