Henssler Money Talks
Your trusted resource for your money, your future, your life.
October 10, 2026
October 10, 2026: Paying More, Earning More, and Knowing When to Cash Out
84 Months and Still $700 a Month? When Higher Rates Work in Your Favor; Before You Roll Over That Company Stock; The Buyout Premium: Is It Free Money?
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The Silver Lining of Higher Interest Rates
When was the last time investors had the chance to lock in attractive bond yields while the stock market was also performing well? With certain fixed-income investments offering yields above inflation, today’s market conditions may present an opportunity to replenish liquidity reserves. The “Henssler Money Talks” hosts discuss how the Henssler Ten Year Rule helps investors prepare for future spending needs and why U.S. Treasurys may be particularly appealing in the current environment.
Henssler Money Talks - October 17, 2026
Trump Accounts: Investing with Limits
Trump Accounts are designed to give children an early start on investing, but the investment options come with some significant restrictions. During the growth period, holdings are generally limited to low-cost funds tracking broad U.S. stock indexes, such as the S&P 500. While these funds offer diversification, they may also include companies or industries that conflict with a family's personal values. And what happens when individual company shares are donated to an account, but parents have no say in accepting or selling them? We explore the tradeoffs between diversification, investment control, and personal convictions — and what families should understand about where their children's money is invested.
The Moral Dilemma of Investing
Would you invest in a company whose products or business practices conflict with your personal beliefs? Avoiding so-called “sin stocks” — companies involved in tobacco, alcohol, firearms, or gambling — may sound straightforward, but where do you draw the line? Does avoiding firearms manufacturers mean excluding companies with defense contracts? What about retailers that sell alcohol or technology companies that support controversial industries? We explore the differences between values-based and ESG investing, the challenges of screening investments, and the potential tradeoffs for diversification and portfolio performance. Plus, does refusing to own a company's stock actually influence its behavior, or is it simply a matter of personal conviction?
The Fine Print on Home Sale Profits
Selling your primary residence can come with a substantial tax benefit, but the rules aren't always as straightforward as living in the home for two of the past five years. We tackle three listener questions about the capital gains exclusion: What happens when you convert a rental property into your primary residence? Does it matter whether you reinvest the proceeds from your home sale into another property? And with decades of appreciation pushing home values higher, what options do longtime homeowners have when their gains exceed the $250,000 or $500,000 exclusion? We explain the ownership and residency requirements, how previous rental use can affect the exclusion, and why understanding your home's cost basis matters long before you decide to sell.
We discuss financial planning encompassing spending, saving, taxes, investments, insurance, retirement, estate plans, and more.
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