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.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

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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 plans

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact 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/

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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 backfire

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact 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.htm

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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.faith

Phone: (513) 898-1897

Contact 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/

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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.faith

Phone: (513) 898-1897

Contact 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.htm

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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 critical

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact 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.htm

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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 purpose

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact 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.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

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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 places

Organizations Faith 401k Supports

https://www.faith401kmgmt.com/Time,-Talent-and-Treasure.10.htm

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact our team: https://www.faith401kmgmt.com/contact_us/

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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 number

Investor’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.faith

Phone: (513) 898-1897

Contact 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/

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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 backfire

Our website: https://www.401k.faith

Phone: (513) 898-1897

Contact 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.htm

Check out our online calculators: https://www.faith401kmgmt.com/learning_center/calculators/

Check us out on YouTube: https://www.youtube.com/channel/UCpuK6WuipFhXBxujjM6nl7g

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