Have Markets Become the ‘Safe’ Asset
In a recent Wall Street Journal article, “Gen Z, Locked Out of Home Buying, Puts Its Money in the Market,” a 23-year-old renter said she feels her money is safer in the stock market than in a house. To borrow a Gen Z phrase, we were a little “shook.” But it led us to ask […]
When the Unexpected Happens, Insurance Can Help Protect What You’ve Built
Insurance is designed to provide protection—but over time, it can quietly become a drag on your financial plan. In this conversation, the “Henssler Money Talks” hosts examine common coverage decisions, how to evaluate which risks truly need to be insured, and when self-insuring may be a more sensible solution. We also walk through the different types of insurance and what coverage is essential for long-term peace of mind.
The Real Cost of Holding On: Taxes vs. Life Goals
The “Henssler Money Talks” hosts tackle how many Americans are trapped by their biggest asset: their homes. And not because of mortgage rates, but because of capital gains—a side effect of value appreciation—but it shouldn’t dictate your life decisions. We explore some planning options and how homeowners can weigh taxes against long-term goals, market risk, and lifestyle priorities when deciding whether to sell.
Five Steps to Fireproof Your Financial Plan
“Henssler Money Talks” dives into the aftermath of a neighborhood house fire that left a family without their home, but not without hope. We unpack the emotional, logistical, and financial fallout of one night gone horribly wrong, and how the right planning made recovery possible. You’ll hear from the people who lived it, the professionals who showed up, and the experts who helped rebuild.
Making the Escrow Decision: Weighing Control Against Convenience
It’s that time of year when property tax bills hit mailboxes—and homeowners feel the pinch. That sparked a bigger conversation among the Henssler Money Talks hosts: Should you manage your own insurance and tax payments, or let your lender handle it through an escrow account? We’ll unpack how escrow really works, the buffers mortgage companies require, and whether handling it yourself could save you money.
Avoiding Probate with a TOD Deed and TOD Account
Want to leave your home or brokerage account to your heirs without the hassle of probate? A Transfer-on-Death (TOD) deed or account might be a simpler, cost-effective solution. But there are rules to know—especially when it comes to taxes and state laws.
Maximize Your Tax Savings: The Importance of Keeping Home Improvement Records Before Selling Your Home
Thinking of tossing those home improvement receipts? You might want to hang on to them. If your home’s value has significantly appreciated, those records could reduce your taxable gain when you sell.
Why Leasing Might Be the Right Move—Even If It Costs More
In today’s economy, leasing is everywhere—from appliances to HVAC systems. In this episode, we explore when it makes financial sense to lease instead of buy, the impact on your cash flow, and why even 0% financing can be a smart move if managed wisely.
What’s New for 2025?
New year, new changes! We look at 5 key updates coming in the new year that could impact your finances. Stay informed and prepared for 2025!
Navigating the Tax Complexities of Hiring Household Employees
Thinking about hiring household help? From nannies to gardeners, employing household staff comes with important responsibilities—especially around payroll and taxes. Learn about worker classification, payroll requirements, tax implications, and how to stay compliant.