Henssler Money Talks
Your trusted resource for your money, your future, your life.
October 3, 2026
October 3, 2026: Consumer Divides, Buyback Billions, Rate Hikes & Roth Decisions
The Consumer Divide; Stock Buybacks: What NVIDIA’s Record $150B Authorization Means; Do Rate Hikes Hurt Small- and Mid-Cap Stocks More? Whose Roth Is It Anyway?
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You Can Afford the Purchase, but How You Pay Matters
The “Henssler Money Talks” hosts build on last week’s conversation about permitting 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.
Henssler Money Talks - October 10, 2026
When Higher Rates Work in Your Favor
Higher interest rates aren’t welcome news for every part of the economy, but for savers, they can create an opportunity. With certain fixed-income investments yielding more than 5% while inflation is running closer to 3%, investors may once again have the potential to earn a positive return after inflation. For those whose liquidity reserves have fallen to seven or eight years of anticipated needs, we discuss why a strong stock market combined with attractive bond yields could make this an opportune time to sell appreciated equities and rebuild those liquidity buckets, adhering to our Ten Year Rule.
Before You Roll Over That Company Stock
If you’re retiring with highly appreciated company stock inside your 401(k), where you move those shares could have a significant effect on your tax bill. A listener asks whether an NUA strategy could make sense and whether the stock should move to a taxable brokerage account or roll into an IRA. We walk through how net unrealized appreciation works, the tax trade-offs involved, and why the account that looks most tax-efficient today may not always be the most appropriate choice for your overall financial plan. We’ll also discuss investment management, diversification, and the fees that may come with the different options.
84 Months and Still $700 a Month?
An 84-month car loan used to sound like a way to make an expensive vehicle more affordable. But what happens when stretching the loan to seven years still leaves you with a $700 monthly payment? At a 7% interest rate, that payment represents roughly $46,000 financed—and more than $12,000 in interest over the life of the loan. With new-vehicle prices substantially higher than they were just a few years ago, buyers are increasingly stretching loans to seven, eight, and even nine years. We look at what those longer terms really cost, the risk of owing more than your car is worth, and why focusing on the monthly payment can obscure the bigger financial decision.
We discuss financial planning encompassing spending, saving, taxes, investments, insurance, retirement, estate plans, and more.
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