Dollars With Dennis

Most people meet with their financial advisor once a year, but that meeting can either move your plan forward or waste your time. Dennis breaks down what separates a meaningful review from one that just feels like a presentation. It’s a chance to reset, ask better questions, and actually engage with your plan. The difference comes down to how you show up and what you expect from it.Here’s some of what we discuss in this episode:📅 Annual Reviews Matter: One meeting can shape your entire year⚠️ Bad Reviews: One-sided presentations miss the point💬 Real Conversations: A good review goes beyond performance📝 How To Come Prepared: Questions that drive better outcomesOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

In honor of National Volunteer Week, this episode takes a different angle on retirement, one that has nothing to do with markets or returns. Retirement isn’t just about stepping away from work, it’s about stepping into something meaningful with the time and freedom you’ve earned. Dennis walks through how giving back can play a powerful role in shaping a more fulfilling next chapter. Because the impact you make doesn’t have to stop when the paycheck does.Here’s some of what we discuss in this episode:❤️ Purpose Matters: Retirement needs more than free time⏰ Give Your Time: Consistent involvement creates structure🛠️ Use Your Skills: Your experience still has value💵 Give Efficiently: Be intentional with charitable giving📅 Plan Ahead: Giving should be part of your strategyOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

A listener recently made a career move that looks great on paper, but it raised a real concern: can a retirement strategy actually keep up when income becomes unpredictable? Commission checks, bonuses, and variable pay structures introduce a level of uncertainty that can make saving feel inconsistent or even risky. Dennis shares how retirement savings can still thrive with variable income, but we need to have the right systems are in place.  Here’s some of what we discuss in this episode:📉 Variable Income Planning: Irregular pay requires intentional structure📊 Percentage Contributions: Saving by percentage keeps things consistent🔥 Discipline Matters: “When the check hits” is not a strategy💵 Realistic Budget: Knowing your baseline income needs is critical🤝 Advisor Support: A plan turns unpredictability into progressOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/The closer you get to retirement, the more complicated decisions about life insurance become. Dennis walks through the key differences between each type of coverage and explains how your needs shift as you move through your 50s and beyond. The real question isn’t which policy is “best,” it’s what role life insurance should play in your plan today. And for many people, that answer changes as retirement gets closer. Here’s some of what we discuss in this episode:🛡️ Coverage Types: What term, whole, and universal really do📅 In Your 50s: Why this decision gets harder💰 Whole Life: Why it’s loved—and criticized🔄 Flexibility Tradeoffs: When options help or hurt🏛️ Estate Role: How insurance fits into your planOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

AI is everywhere and for many people approaching retirement, it’s raising some serious questions. Today, Dennis goes through the top AI-related Google searches from people in their 50s and 60s and sharing his input. The search bar doesn't lie. People are nervous, curious, and trying to figure out what AI means for the life they've spent decades building. Most of the answers are less dramatic than the questions suggest. But the questions themselves are worth asking with someone who knows your whole picture.Here’s some of what we discuss in this episode:📊 AI In Your Portfolio: You may have more exposure than you think⏳ Early Retirement Decisions: Fear shouldn’t drive timing🧠 AI Planning Tools: Helpful, but not a full replacement🚀 New Opportunities: AI may create more than it eliminates🧭 Plan Over Panic: Strategy beats speculationOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/AI headlines are everywhere right now: “jobs disappearing,” “work becoming optional,” and predictions that artificial intelligence will reshape the entire economy. Dennis steps back from emotional headlines and looks at what the actual data suggests about AI and the workforce. The real question isn’t whether AI will change the future, it’s whether your retirement plan is flexible enough to handle uncertainty if your timeline shifts.Here’s some of what we discuss in this episode:🤖 AI & Retirement: Headlines are fueling fears about job security📊 Market Uncertainty: AI is creating questions about future careers📈 What the Data Shows: Job evolution may outweigh job loss🧭 Flexible Planning: Retirement plans should adapt to change✅ Preparation Matters: Planning ahead reduces uncertaintyOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/For many business owners, retirement isn’t sitting in a 401(k), it’s tied up in the company itself. The big question is whether one sale can truly fund decades of living expenses. Dennis unpacks what “enough” really means and why relying on a single liquidity event can create unexpected pressure. If you’re building toward an exit, this is a conversation you want to have before the deal closes. Here’s some of what we discuss in this episode:💵 Million-Dollar Reality – Inflation and net proceeds matter📊 Defining Enough – Income needs and longevity planning⚖️ Risk Balance – Investing a sudden lump sum🤝 Sale Hurdles – Buyers, timing, and mindset shifts📅 Start Early – Build a strategy before exitOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Some people enjoy thunderstorms, while others start boarding up windows at the first dark cloud. Investing works the same way. Dennis explores how personality, emotions, and long-term goals shape financial decisions, especially when markets feel uncertain. If your strategy only works when everything is perfect, it’s not really a plan, and Dennis shares how to think more clearly about building one that’s built for all seasons.Here’s some of what we discuss in this episode:📱 Forecast vs Reality: Predictions don’t control what actually happens📈 Sunny Markets: Long up cycles can hide risk exposure🧥 Right Gear Matters: Allocation must match personal comfort🌩️ Downturn Preparation: Corrections are part of the journey🌎 Outside Forces: Inflation, taxes, and global events influence returns🛡️ All-Weather Plan: Written strategy keeps emotions in check Our website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Everyone has an opinion about money, especially the people with microphones, book deals, and streaming specials. Some of that advice can be motivating. Some of it sounds great on stage but gets complicated in real life. Dennis weighs in on several well-known financial personalities and their bold claims. Because good advice isn’t about popularity, it’s about whether it actually fits your life.Here’s some of what we discuss in this episode:📘 Kiyosaki Philosophy: Entrepreneurship over retirement plans💰 Orman’s Cash Strategy: Three-to-five-year reserve🏠 Rent vs Buy: Discipline versus equity building📉 Ramsey Withdrawal: Eight percent rule debate🤖 Musk’s Prediction: AI reshapes retirement futureOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Winter can affect more than your mood. It can affect how you see risk, money, and the market. Today, Dennis is talking about why the “winter blues” can make financial decisions feel harder, and how to stay steady when emotions are running low. Winter doesn’t last forever. Neither do emotional seasons in investing. Staying grounded, consistent, and connected to a plan can help you move through the colder months with confidence. Here’s some of what we discuss in this episode:❄️ Winter Weather Impact: Mood shifts affect risk perception🧠 Emotional Influence: Seasonal lows amplify money stress📉 Market Volatility: Fear feels heavier in winter🔄 Routines & Structure: Guardrails protect decisions📅 Planning Tips: Reset goals and revisit strategyOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/There’s no shortage of financial advice out there, and unfortunately, not all of it is good. Some of the most damaging retirement mistakes don’t come from reckless behavior, but from ideas that sound reasonable and get repeated often enough to feel true. Today, Dennis is busting some of the most common retirement planning myths and explaining why believing them can quietly derail an otherwise solid plan. When the myths fall away, better decisions tend to follow. Here’s some of what we discuss in this episode:📜 Estate Planning: Why a will alone often isn’t enough👫 Spousal Income Needs: Why expenses don’t drop as much as expected📉 Market Volatility: Rethinking risk and investment shifts🧾 Tax Brackets: Why retirement doesn’t guarantee lower taxesOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/ A new government-backed savings account for kids is coming, and it’s already raising questions. On the surface, Trump Accounts sound appealing, but Dennis takes a closer look at how these accounts work and how they compare to other savings options families already use. Before deciding whether they belong in your plan, it’s worth understanding both the benefits and the tradeoffs.Here’s some of what we discuss in this episode:📄 Account Basics – How the accounts work and what we know so far🎯 Intended Goals – Why the program was created and who it’s meant to help⚖️ Pros & Cons – Free money versus tax and withdrawal tradeoffs🔁 Alternative Options – How Trump Accounts compare to 529s, Roth IRAs, and custodial accounts🧠 Planning Considerations – Why these accounts should fit into a broader strategyOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/After a year marked by volatility, uncertainty, and more than a few economic curveballs, it’s understandable if optimism doesn’t come easily. But at least one economist is arguing that the outlook for 2026 may be brighter than many people expect. Today’s video will provide our reaction to this opinion piece as we run through the five key reasons the economic outlook could improve. Here’s some of what we discuss in this episode:📈 Why consumer spending still drives the U.S. economy🏢 How tax policy could put more money back into businesses📉 What lower interest rates mean for borrowing and investing⛽ Why falling energy costs matter more than most people realize🌍 How reduced tariff uncertainty can stabilize marketsRead the opinion piece here: https://www.fa-mag.com/news/five-reasons-to-be-optimistic-about-the-2026-economy-85324.html?section=68 Our website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/What’s new in 2026 for retirees and pre-retirees? This year brings several updates that could quietly affect your cash flow, taxes, and savings strategy. Dennis walks through what’s worth paying attention to as 2026 begins- because small changes can have noticeable impacts if ignored, and a quick review now can save you stress down the road. Here’s some of what we discuss in this episode:📈 COLA Increase – Social Security benefits receive modest raise🏥 Medicare Premiums – Higher premiums offset income increases🧾 Senior Deductions – New tax breaks for eligible retirees📊 Catch-Up Savings – Higher contribution limits for older workers🧭 Planning Conversations – Why advisor communication matters nowOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Turning 62 unlocks Social Security, but deciding when to file is one of the biggest income decisions you’ll make in retirement. Find out why some people claim early, why others wait, and how fear, health, and lifestyle goals often shape the decision more than math alone. If you want a decision you won’t second-guess later, Dennis helps you think it through.Here’s some of what we discuss in this episode:🗓️ Filing Timing: How to think about starting Social Security😓 Early Claiming Reasons: Work burnout, health, and fear of “missing out”🎯 Full Retirement Age: Why waiting can change the outcome💡 Early Strategy Options: What to do if you claim but don’t need income📊 Planning Process: How decisions are tested inside a real retirement planOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Nothing will mess with your financial confidence faster than comparing your savings to someone else’s highlight reel. Whether it’s a sibling, a coworker, or a YouTuber who claims they retired at 35, comparison can make even solid savers feel behind. Today, Dennis shares what really matters when evaluating your retirement readiness. Once you stop comparing and start planning, the next steps become much clearer.Here’s some of what we discuss in this episode:🔍 Comparison Trap: confidence eroded by measuring others🧭 Planning First: strategy beats benchmarks every time🎯 “Enough” Defined: income needs are more important than your total balance✈️ Lifestyle Fit: spending choices shape retirement reality💰 Catch-Up Options: saving more, working longer, adjusting riskOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/A lot happened in 2025: big political swings, stubborn inflation, new tax rules, and even a historic government shutdown. But headlines alone don’t determine your retirement outcomes. In this episode, Dennis reveals the biggest financial events of the year and explains what actually matters for your plan moving forward. The noise will change in 2026, but a strong strategy is what turns chaos into confidence.Here’s some of what we discuss in this episode:🌍 Tariffs: economic uncertainty driving market volatility📈 Inflation: rising costs reshaping retirement income needs💰 Cash Strategies: high-yield savings improving flexibility🧾 Tax Changes: new rules impacting planning decisions🏛️ Shutdown Lessons: emergency preparedness matters🔮 Looking Ahead: adapting plans for 2026 and beyondOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/You’ve heard of Baby’s First Christmas, but what about Retiree’s First Christmas? Your first holiday season after leaving the workforce is a milestone all on its own. The schedule, the spending, the traditions… everything feels a little different. In this episode, Dennis talks about what to expect and how to navigate the differences this year and beyond. Here’s some of what we discuss in this episode:🎄 First Christmas: new emotions and holiday adjustments💵 Budget Changes: spending confidence without a paycheck✈️ Travel Flexibility: freedom to explore new traditions🎁 Giving Back: QCDs and meaningful charitable options🧠 Retiree Mindset: planning helps reduce holiday stressOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/The smartest retirees all have one thing in common… they know how to ask better questions. In this episode, Dennis breaks down how the wording, focus, and intent behind your questions can completely change the quality of your retirement decisions. We reveal the usual questions people ask and better ways to ask that lead to better results.Here’s some of what we discuss in this episode:💵 Income Needs First: focusing on what you truly need to support your lifestyle📈 Returns vs. Risk: understanding why maximizing returns isn’t the real goal💬 Value Over Cost: finding meaningful advice—not just the lowest fee⏳Smarter Social Security Choices: matching claiming strategies to your planOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/How do you know when a financial advisor just isn’t the right fit? In this episode, we break down five of the biggest red flags people overlook when choosing or evaluating an advisor. Dennis explains why advisor stability matters, the dangers of “one-size-fits-all” planning, and how a lack of information gathering can derail your financial progress. We also talk through fee transparency- why you should know exactly what you’re paying- and the risks of working with anyone who overpromises results or claims they can “beat the market.”Here’s some of what we discuss in this episode:Long, unstable job history = potential red flag Why “one size fits all” plans don’t work Advisors should ask LOTS of questionsUnderstanding what you’re payingBeware of overpromised returns or “market beating” claimsOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Getting married later in life means you’re combining lives but not necessarily combining finances. How do you build a retirement plan together when you’ve both already built your own?  Dennis answers a listener’s question about navigating financial and emotional security in later-life marriages. Financial independence and emotional connection aren’t opposites, you can keep your accounts separate, but your retirement plan should still be built together. Here’s some of what we discuss in this episode:💵 Retirement Planning: coordinating goals with independent assets🎯 Shared Goals: transparency and communication as the foundation🏛️ Estate Planning: protecting children and each other📈 Comprehensive Advice: how a neutral financial planner can unify the planOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Giving Tuesday (Dec 2, 2025) and year-end donations are right around the corner. But before you hit that “donate” button, let’s talk about how to give with both your heart and your head, because generosity feels even better when it’s part of a plan. Dennis breaks down the “why, when, how much, and what” of charitable giving and how to make your generosity meaningful, strategic, and tax-efficient.Here’s some of what we discuss in this episode: 💖 Know Your Why: aligning your giving with what matters most📅 Timing Matters: planning donations for impact and tax benefit💸 How Much to Give: budgeting generosity with financial wisdom💡 Creative Strategies: RMD gifts, appreciated stock, and tax-efficient giving🧾 Pro-Level Help: partnering with CPAs for smarter charitable planningOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Is having more than one financial advisor a smart move or a recipe for confusion? Today, Dennis breaks down the motivations behind splitting assets between multiple experts and highlights the common pitfalls of this approach. You’ll also hear about why consolidating with one trusted advisor may often lead to better planning and peace of mind. Curious if your strategy to have multiple advisors is helping or hurting your wealth? Tune in to find out!Here’s some of what we discuss in this episode:💬 Two-Advisor Debate: exploring whether more advice really means better outcomes💸 Why People Split Accounts: fear, diversification myths, or habit⚖️ Problems with Multiple Advisors: conflicting advice and tax inefficiencies🔄 Consolidation Tips: how to simplify and align your financial strategy🧭 First Meetings Matter: the value of interviewing and finding the right fitOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Fidelity just released their 2025 Retiree Health Care Cost Estimate, and the number is staggering: $172,500 for a 65-year-old retiring today. The bigger problem? One in five Americans haven’t even thought about health care costs in retirement. Dennis breaks down what this means, why it matters, and how to prepare before medical costs derail your plan. Health care is one of retirement’s biggest wildcards, but with the right strategy, you can make it just another budget item, not a financial shock.Here’s some of what we discuss in this episode:🩺 Medicare Gaps: why coverage doesn’t mean complete protection🚫 Common Blind Spot: 1 in 5 Americans haven’t planned for health care🧓 Gen X Reality Check: younger retirees may face even higher costs💰 HSA Advantage: triple tax-free growth for medical expenses🗓️ Start Early: the earlier you plan, the more flexibility you gainOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/After years of being overlooked, bonds are back in the spotlight, and investors want to know if now’s the time to buy. Dennis breaks down how bonds really work, what’s driving today’s yields, and why they might deserve a bigger role in your portfolio. Bonds can provide income, balance, and peace of mind but they’re not one-size-fits-all. Before you ‘go all in,’ make sure the mix fits your long-term plan.Here’s some of what we discuss in this episode:💵 Bonds Are Back? Why investors are paying attention again⚖️ Balancing Risk: Using bonds to steady your portfolio🕰️ Timing Matters: How age and goals shape your bond mix💬 Expert Insights: What major firms are predicting for bonds in 2025Our website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/According to recent surveys, the emotional and financial burden of paying for college often exceeds expectations. In this episode, Dennis unpacks the tough trade-offs parents face when trying to help their kids through school without sacrificing their own future. He also shares practical strategies for planning ahead, reducing the burden, and finding a healthier balance between funding college and securing retirement.Here’s some of what we discuss in this episode:0:00 – Intro 1:16 – Planning Ahead (or Not)2:40 – College vs. Other Debts4:28 – Talking About It6:56 – The Ripple Effect on Retirement8:55 – Strategies Our website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Well, you’re retired. Now what? Some people subscribe to the “first year rule,” which says that the majority of your best retirement months will take place in the first year. So how can you be strategic during that time and set the tone in the right way, both emotionally and financially? In this episode, Dennis breaks down five must-dos that help new retirees launch with confidence. Here’s some of what we discuss in this episode:💰 Create an income plan and know where your money is coming from🧳 Budget for travel so you can enjoy your go-go years without overspending🏃 Prioritize health and build routines that keep you active and engaged🔄 Test-drive lifestyle changes before fully committingOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Downsizing may seem like a quick way to cut costs and simplify life, but rising property taxes, insurance rates, and HOA fees can quickly erase any savings. Is downsizing truly the answer, or does it just bring more complications? Today, we’ll go beyond the financials to explore the emotional and practical challenges of leaving your home. Here’s some of what we discuss in this episode:💰The real costs of downsizing, financial and emotional 🏝️ The impact of location and climate on retirement choices📦 The stress and expense of moving👨‍👩‍👧‍👦 How family dynamics shape downsizing decisions Our website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Think Medicare is free once you turn 65? Not quite. Many retirees are shocked to discover IRMAA—the Income-Related Monthly Adjustment Amount—a hidden surcharge that increases your Medicare Part B and Part D premiums if your income crosses certain thresholds. This can quietly shrink your Social Security check by thousands of dollars a year, and most people don’t even realize it until it shows up in their statement.Here’s some of what we discuss in this episode:🧾 What IRMAA is and how it can impact you 💸 What triggers IRMAA (and what doesn’t)⚠️ Even widows or surviving spouses can be impacted ✅ How smart planning can reduce or even avoid these costly surprisesMedicare.govhttps://www.medicare.gov/Our website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/You’ve spent decades building your investment accounts, monitoring the markets, and contributing to your 401(k). That’s great. But here’s the truth: you’re not ready to retire if that’s all you’ve done. Retirement planning isn’t just about your portfolio; it’s about so much more. In today’s episode, Dennis is diving into all the non-investment decisions that can make or break your retirement.Here’s some of what we discuss in this episode:🧳 Plan your lifestyle: travel, hobbies, and purpose🏠 Housing choices: downsizing, relocating, or staying put💰 Social Security and pensions: when and how to claim🏥 Health care costs and long-term care risks📑 Taxes and estate planning essentialsOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/If your parents passed away relatively young, it’s only natural to wonder whether you’ll follow the same path. And from a financial standpoint, does that change how you should approach things like retirement planning and when to draw Social Security benefits? In today’s episode, Dennis answers a listener’s question on this exact topic. Here’s some of what we discuss in this episode:⏳ Claiming Social Security early reduces benefits, know your “why” and have a plan💰 Having multiple “buckets” of money provides flexibility and tax efficiency🛡️ Planning is more important even if you fear a shorter retirement👨‍👩‍👧 Family history matters, but it shouldn’t determine your retirement pathOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Most people don’t feel wealthy. But what if your day-to-day habits are quietly building serious financial strength? A recent article from Kiplinger outlined five surprising signs that you might be richer than you think. And none of them involve yachts or private jets. In this episode, Dennis analyzes the habits that signal real, lasting wealth and what to do if you are (or aren’t) on the right track.Here’s some of what we discuss in this episode:⛳ The side hustle that surprised Dennis 🙌 Confidence that comes from small, consistent wins🔍 Discovering wealth you’ve overlooked in everyday life⏳ Long-term focus is the real wealth-builder💰 Does the 10-10-80 Rule work? Our website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/The kids may be heading back to class, but it’s not a bad time for adults to hit the books too, especially when it comes to retirement. So, let’s test your knowledge with a quick financial pop quiz and see how ready you really are. In this episode, Dennis takes you through five multiple-choice questions covering essential retirement topics every pre-retiree and retiree should understand.Here’s some of what we discuss in this episode:📅 Knowing your full Social Security age🪙 Catch-up contributions after 50📂 Understanding RMD rules📈 The 4% withdrawal rule 🚨 Top risks that threaten retirement plansOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/Just because something used to be true doesn’t mean it still is today, especially when it comes to retirement planning. In 2025, rising interest rates, tax uncertainty, and longer life expectancies mean it’s time to rethink some long-held financial beliefs. In this episode, Dennis shares seven retirement assumptions that sound smart on the surface but could quietly sabotage your financial future if left unchallenged. How many do you believe? Here’s some of what we discuss in this episode:📉 Why delaying Social Security doesn’t always pay💰 The truth about Roth IRA timing📜 The truth about how Social Security started and who it was for 🛑 The problem with assuming lower taxes⏱️ Why “I’ll just work longer” can backfireOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/You’ve worked hard, saved diligently, and finally retired… but now the doubt sets in. Today we’ll tackle a question many retirees secretly ask: “What if I made a mistake by retiring too soon?” In this episode, Dennis shares why those feelings are normal and how the right plan should bring peace of mind. Worried about running out of money or feeling lost without work? Don’t miss this episode. Dennis shares how to take control before doubt takes over.Here’s some of what we discuss in this episode:💡 The mindset shift most retirees face📉 When going back to work is optional vs. necessary💬 “You can retire today... but can you stay retired?”🧭 Why staggered retirements reduce stress for couples🔁 Live the plan. Update the plan. Trust the plan.Our website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

A listener wrote in with a question that many couples might relate to: “How do we plan for retirement when we don’t share accounts and don’t even know each other’s spending habits?” In this episode, Dennis walks through what it looks like to plan for the future when your finances aren’t fully merged, and how couples can find clarity even when they’re working from two different spreadsheets.Here’s some of what we discuss in this episode:🤝 How to coordinate without merging accounts⚠️ The risks of financial siloing🏡 The “his, hers, and household” account strategy🧠 Why financial transparency is so important  Our website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

Dave Ramsey is one of the most recognized voices in personal finance. His 9-step retirement plan is simple, direct, and built for mass appeal. But is it really the best path for your retirement? Here’s some of what we discuss in this episode:🧭 Why your retirement plan should start with setting goals💸 Why saving more than 15% may be necessary🏡 When paying off your mortgage early makes sense📆 Evaluating Social Security timing based on your situation 🏥 Why planning for healthcare and long-term care early is criticalOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

In the book The Five People You Meet in Heaven, each person the main character meets helps him understand his life in a new way. Today, Dennis talks about the five people you should meet before retirement. These are the people who can guide your next chapter and help you retire with clarity, confidence, and purpose. Inspired by the themes of that book, Dennis shares a practical, down-to-earth roadmap for building your “retirement dream team.” Here’s some of what we discuss in this episode:💼 Why your financial advisor should be your first stop- not your last📜 The importance of having a will🩺 Medicare mess? Why an insurance broker matters more than you think🏋️ The fitness factor most retirees overlook🙌 Why mentoring could be the missing piece to post-retirement purposeOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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 gifting.Here’s some of what we discuss in this episode:🎁 Giving without sacrificing your own financial security📅 Why timing your gifts could make a bigger impact🔍 Questions to ask before you give🏦 Tax-smart planning for charitable giving👨‍👩‍👧‍👦 Making sure your money goes to the right placesOrganizations Faith 401k Supportshttps://www.faith401kmgmt.com/Time,-Talent-and-Treasure.10.htmOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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 just as importantly, what it doesn’t.Here’s some of what we discuss in this episode:📊 Where the 4% rule came from and what’s changed🧬 How generational mindsets can influence spending in retirement⏳ Why time horizon and health matter in determining your withdrawal rate🤔 Was the 4% rule wrong all along?🧩 How Dennis helps his clients find their withdrawal numberInvestor’s Business Daily article “The 4% Rule For Retirement Gets An Update. Here's The New Formula:” https://www.investors.com/etfs-and-funds/retirement/four-percent-rule-for-retirement-new-withdrawal-rate/Our website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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:🛠️ How target-date funds work and why they’ve become the popular default🎯 What the rise of target-date funds reveals about investor behavior📉 The problem with one-size-fits-all investing📊 The benefits of building a personalized investment strategy💸 Why owning multiple target-date funds may backfireOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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 to teach about building an emergency fund📉 Avoiding the credit card trap before it starts🎁 Smart financial gift ideas with long-term impactOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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 IRAs and 401(k)s, and even begin succession planning. Here’s some of what we discuss in this episode:🏛️ Avoid costly IRS mistakes💸 Fund Roth IRAs for your kids🧾 Why written contracts are essential🔁 Build a generational succession planOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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 just because your paycheck does🚗 Retirement freedoms that might cost you🧓 Is Social Security a financial strategy? 🏥 Healthcare costs don’t vanish with Medicare🏠 Downsizing sounds easier than it actually isOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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 saving becomes a stressor, not a strategy🏠 Dream homes delayed by over-saving🛑 Signs you're sacrificing too much today🎯 Setting short-term goals that fuel joy📉 How to back off savings without regretOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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 we discuss in this episode:📉 Great Depression to COVID: What history teaches us🧠 How fear lingers in investor behavior💸 Missed recoveries vs. staying the course🛠️ Rebalancing and tax-loss harvesting in downturns📆 Why your plan, not panic, should drive decisionsOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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 some of what we discuss in this episode:💬 What to say (and not say) during market panic🧠 Understanding your spouse’s reaction💡 Why “What are we going to do?” is the wrong question👛 Most financial arguments aren’t about the market, they’re about spending🛟 How to help both partners feel confident in the planOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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 when everything feels uncertain.Here’s some of what we discuss in this episode:🧠 Why emotions sabotage investing success📈 Buffett’s timeless advice for buying during fear📚 Graham and Bogle’s "stay the course" wisdom🚫 Why "this time is different" is a dangerous trap🔍 How to rethink risk before it blindsides your planOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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 some of what we discuss in this episode:📉 What to do when markets drop📊 The power of rebalancing during downturns🎯 How to reassess your true risk tolerance🔇 Why turning off the news might be your best move🛠️ Strategies that work through volatilityOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr

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:💼 When a 401(k) rollover makes sense💸 What tax mistake to avoid at all costs📈 How IRA options offer more flexibility📊 In-service rollovers after 59½ explained🧭 Building a personalized income strategy after the rolloverOur website:  https://www.401k.faithPhone: (513) 898-1897Contact our team: https://www.faith401kmgmt.com/contact_us/Book an Introductory Meeting: https://www.faith401kmgmt.com/contact_us/Check out our no-cost financial flipbooks here: https://www.faith401kmgmt.com/learning_center/flipbooks/Join one of our upcoming events: https://www.faith401kmgmt.com/events.htmCheck out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7gFacebook: https://www.facebook.com/profile.php?id=100063561056644LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/X: https://x.com/dennishorr