If you want unfiltered financial advice, don’t just read a book — scroll the comments. Spend five minutes on Reddit or YouTube, and you’ll find people being brutally honest about what they wish they had done differently with money. Today, Dennis’ son Parker is joining us and talking through the biggest young money mistakes. Most of these regrets don’t come from bad intentions. They come from small decisions that didn’t feel like a big deal at the time. The earlier you recognize them, the easier it is to change course. 

Here’s some of what we discuss in this episode:

📈 Compound Interest: Starting earlier changes everything

💳 Credit Cards: Small spending adds up fast

🪙 401(k) Match: Free money gets ignored

🧠 Financial Planning: Confidence beats financial chaos

🎯 Money Habits: Small choices shape the future

📱 Sports Betting: Easy access creates risk

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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Delayed gratification is a difficult skill to master, and that’s just as true with financial matters as it is in other areas of your life. Let’s talk about some instances where you might be faced with a choice of being satisfied now or satisfied later. Today, we’ve got a special guest, Parker (Dennis’ son), joining the conversation to share his perspective on making smart money choices early on.  

Here’s some of what we discuss in this episode:

⏳ Delayed Decisions: Short-term sacrifice, long-term gain

💰 Free Money First: Don’t skip the 401(k) match

🧾 Tax Timing: Pay now vs later matters

📈 Roth Advantage: Long-term tax savings add up

🕰️ Social Security Timing: Waiting can increase income

📊 Plan Your Spending: Budget creates freedom

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

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

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Retirement often looks perfect on paper—travel, freedom, and finally enjoying life on your terms. But for many people, the reality doesn’t match the picture they had in mind. Dennis takes a closer look at the gap between expectation and reality in retirement and reveals how having a well-thought-out plan matters more than ever. Life is going to throw curveballs, but a plan unique to you will help you be prepared.

Here’s some of what we discuss in this episode:

✅ Plan Matters: A written strategy brings clarity

🚧 Beware of the Expectation Gap: Retirement isn’t always picture-perfect

🧭 Changing Priorities: Goals evolve over time

🔄 Stay Flexible: Adjust as life changes

🤝 Get Guidance: Support makes transitions smoother

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

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Most people meet with their financial advisor once a year, but that meeting can either move your plan forward or waste your time. Dennis breaks down what separates a meaningful review from one that just feels like a presentation. It’s a chance to reset, ask better questions, and actually engage with your plan. The difference comes down to how you show up and what you expect from it.

Here’s some of what we discuss in this episode:

📅 Annual Reviews Matter: One meeting can shape your entire year

⚠️ Bad Reviews: One-sided presentations miss the point

💬 Real Conversations: A good review goes beyond performance

📝 How To Come Prepared: Questions that drive better outcomes

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

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

In honor of National Volunteer Week, this episode takes a different angle on retirement, one that has nothing to do with markets or returns. Retirement isn’t just about stepping away from work, it’s about stepping into something meaningful with the time and freedom you’ve earned. Dennis walks through how giving back can play a powerful role in shaping a more fulfilling next chapter. Because the impact you make doesn’t have to stop when the paycheck does.

Here’s some of what we discuss in this episode:

❤️ Purpose Matters: Retirement needs more than free time

⏰ Give Your Time: Consistent involvement creates structure

🛠️ Use Your Skills: Your experience still has value

💵 Give Efficiently: Be intentional with charitable giving

📅 Plan Ahead: Giving should be part of your strategy

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

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Today we’re talking about what to do when things go right, whether it’s a windfall, a surprise, or an unexpected financial event. Because good fortune without a plan can unravel faster than you'd expect. Dennis covers five situations that might look like pure luck from the outside but shows you exactly what needs to happen next to protect yourself. The people who make the most of good fortune aren't necessarily the luckiest, they're just the most prepared.

Here’s some of what we discuss in this episode:

💸 Winning the Lottery: Initial reactions and planning

🎯 Taxes and Planning: Managing the tax hit after a windfall

🏢 Acquisition Payouts: Handling company acquisition and stock options

🕊️Inheritance Management: Balancing grief, emotion, and smart decisions

🏠 Home Equity: Maximizing home value and managing real estate markets

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

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

For many retirees, the hardest part isn’t saving, it's learning how to spend the money they’ve worked so hard to accumulate. After decades of saving and living on a paycheck, the shift to spending can feel almost unnatural. In this episode, Dennis talks about why this happens, how it affects people’s retirement plans, and the strategies that can help people feel comfortable spending their retirement savings. 

Here’s some of what we discuss in this episode:

💸 Spending in Retirement: Many retirees struggle to spend the money they’ve saved

⚖️ Fear of Running Out: A common fear that prevents retirees from fully enjoying their savings

💰 Paychecks for Life: Transitioning from a regular paycheck to a “paycheck for life” mindset

👨‍👩‍👧‍👦 Family Conversations: Getting family members involved can help ease the transition to spending

📊 Planning is Key: A solid financial plan and annual reviews make spending less stressful

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

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

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A listener recently made a career move that looks great on paper, but it raised a real concern: can a retirement strategy actually keep up when income becomes unpredictable? Commission checks, bonuses, and variable pay structures introduce a level of uncertainty that can make saving feel inconsistent or even risky. Dennis shares how retirement savings can still thrive with variable income, but we need to have the right systems are in place.  

Here’s some of what we discuss in this episode:

📉 Variable Income Planning: Irregular pay requires intentional structure

📊 Percentage Contributions: Saving by percentage keeps things consistent

🔥 Discipline Matters: “When the check hits” is not a strategy

💵 Realistic Budget: Knowing your baseline income needs is critical

🤝 Advisor Support: A plan turns unpredictability into progress

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

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

Get your customized planning started today by connecting with Dennis 👉 https://www.faith401kmgmt.com/contact_us/

The closer you get to retirement, the more complicated decisions about life insurance become. Dennis walks through the key differences between each type of coverage and explains how your needs shift as you move through your 50s and beyond. The real question isn’t which policy is “best,” it’s what role life insurance should play in your plan today. And for many people, that answer changes as retirement gets closer. 

Here’s some of what we discuss in this episode:

🛡️ Coverage Types: What term, whole, and universal really do

📅 In Your 50s: Why this decision gets harder

💰 Whole Life: Why it’s loved—and criticized

🔄 Flexibility Tradeoffs: When options help or hurt

🏛️ Estate Role: How insurance fits into your 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/

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

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr

AI is everywhere and for many people approaching retirement, it’s raising some serious questions. Today, Dennis goes through the top AI-related Google searches from people in their 50s and 60s and sharing his input. The search bar doesn't lie. People are nervous, curious, and trying to figure out what AI means for the life they've spent decades building. Most of the answers are less dramatic than the questions suggest. But the questions themselves are worth asking with someone who knows your whole picture.

Here’s some of what we discuss in this episode:

📊 AI In Your Portfolio: You may have more exposure than you think

⏳ Early Retirement Decisions: Fear shouldn’t drive timing

🧠 AI Planning Tools: Helpful, but not a full replacement

🚀 New Opportunities: AI may create more than it eliminates

🧭 Plan Over Panic: Strategy beats speculation

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

Facebook: https://www.facebook.com/profile.php?id=100063561056644

LinkedIn: https://www.linkedin.com/in/dennis-horr-2ba3714/

X: https://x.com/dennishorr