Henssler Money Talks
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October 24, 2026
October 24, 2026: From Gen Z to Retirement: Building, Borrowing, and Preserving Wealth
Gen Z: Financially Behind or Financially Different; Mortgage Qualification in Retirement: When Assets Matter More Than Income; The Ten Year Rule: When History Puts the Strategy to the Test; Fixed Income: More Than Just Yield
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Putting the Ten Year Rule to the Test
The stock market has experienced only two rolling 10-year calendar periods with negative returns since 1931. The “Henssler Money Talks” hosts revisit those challenging years to illustrate how the Henssler Ten Year Rule helps investors maintain liquidity for anticipated spending needs, avoid selling stocks during market downturns, and stay on track with their long-term financial plans.
Henssler Money Talks - October 24, 2026
Gen Z: Financially Behind or Financially Different?
Is Gen Z facing a tougher road to financial independence, or have expectations of financial success changed? Some young adults believe homeownership and wealth building are out of reach, while others expect six-figure salaries and an affluent lifestyle right out of college. Still others are counting on an inheritance to secure their financial future. But how does Gen Z actually compare with previous generations at the same age? Whether Gen Z has it harder or not, parents still want to give their children a financial head start. We examine what they can do that can build financial independence rather than dependence.
Mortgage Qualification in Retirement: When Assets Matter More Than Income
You may have millions of dollars in investment assets and more than enough wealth to purchase a home, but qualifying for a mortgage in retirement isn't always straightforward. Without a traditional paycheck, how do lenders determine whether you can afford the monthly payments? We're joined by Shanna Squires to discuss how lenders evaluate retirees, including asset-depletion mortgages, retirement account distributions, and why having substantial wealth doesn't necessarily translate into an easy mortgage approval.
The Ten Year Rule: When History Puts the Strategy to the Test
Over rolling 10-year periods, the stock market, as measured by the S&P 500 Index, has historically been higher more than 90% of the time. But what about those rare periods when it wasn't? A listener asks us to revisit the market downturns that challenged that historical trend and explain how our Henssler Ten Year Rule helped investors navigate them. We look at what happened in the markets, why maintaining 10 years of liquidity can help investors avoid selling stocks during a downturn, and how the strategy played out during one of the most difficult decades for investors.
We discuss financial planning encompassing spending, saving, taxes, investments, insurance, retirement, estate plans, and more.
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