Dollars&Sense Nelson Financial Planning

💵 About Dollars & Sense: 💵 Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions. 💥 Make sure you subscribe so you never miss an update. 👉 Visit our website: NelsonFinancialPlanning.com for more resources and to connect with our team of Certified Financial Fiduciaries. About Joel Garris: Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions. Offering securities through Nelson Ivest Brokerage Services, Inc, Member FINRA, MSRB & SIPC. Please note that these broadcasts are intended for general informational purposes only as individual situations may vary. The views expressed are those of the speaker and are subject to change at any time. Statements made should not be relied upon as a recommendation or solicitation. When discussed, past performance is no guarantee or indication of future results.

Episodes

Market Myths & Money Moves! Plus, the questions you should ask your advisor

February 16, 2026 • 39 mins

With gold and silver surging to eye-catching highs, Joel unpacks whether now is really the right time to jump in. Get the unvarnished truth about the risks and realities of investing in gold and silver, including their historical track record, the costs that often go overlooked, and why they’re not always the golden ticket to wealth the headlines might suggest. Discover how herd mentality, FOMO, and social media hype can drive pric...

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The Marathon of Investing—Strategies for Every Age: Stories of What Investors Wish They Knew

February 9, 2026 • 37 mins

In this episode, Rob Field and Chet Cowart explore the parallels between training for a marathon and investing for the future, emphasizing how each investor's personal goals and circumstances shape their approach. They begin by discussing recent market trends and how growth over the past few years has affected different age groups.

The hosts highlight the importance of investment goal-setting, comparing strategies for those nearing...

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Is Your Financial Plan Ready for 2026? Market Shifts, Money Myths & America’s Biggest Wealth Transfer

February 2, 2026 • 37 mins

Join hosts Joel Garris and Zach Keister on this action-packed episode of Dollars & Sense as they break down the fast-paced start to 2026. Discover why the stock market’s leadership is changing, what the “Mag 7” becoming the “Fab 4” means for your investments, and how early signs of broad market participation could reshape your portfolio. The duo tackles interest rates, the latest moves from the Federal Reserve, and what falling...

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Is Your Car Loan Hurting Your Future? Plus, The Hidden Emotional Crisis in Retirement

January 26, 2026 • 39 mins

In this compelling episode of Dollars & Sense with Joel Garris, the show dives deep into two urgent financial realities that could reshape your future: the explosion of ultra-long car loans and a retirement crisis few see coming—not about money, but about meaning.

First, Joel tackles the “100-month car loan” phenomenon, revealing how soaring auto prices and sky-high average payments (now topping $750/month) are forcing families...

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What’s New in 2026? Child Tax Credit, Itemized Deduction Caps, and Roth 401(k) Rule Changes Explained!

January 19, 2026 • 39 mins

Curious how the latest tax law updates and retirement plan changes will impact your wallet in 2026? This week on Dollars & Sense, Joel Garris and Christina Lamb cut through the confusion and deliver essential information every American family and high-income earner needs to know—no jargon, just actionable insights and clear examples.

First, Christina revisits the Top 10 Tax Changes for 2026—and then dives deeper into two big up...

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Venezuela’s Political Shakeup & Top 10 Tax Changes: Impact of Global Events and New Laws

January 12, 2026 • 40 mins

Discover the Financial Ripple Effects of Geopolitical Turmoil and 2026’s Major Tax Reforms

In this episode of Dollars & Sense with Joel Garris, hosts Joel and Kristin tackle two high-stakes financial stories shaping headlines and household budgets. First, dive into the dramatic capture of Venezuela’s President Nicolás Maduro by U.S. forces—unraveling the international backlash, the future of Venezuela’s oil sector, and what it ...

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2026 Market Predictions & Financial Resolutions: Will Diversification Win This Year?

January 5, 2026 • 40 mins

Kick off 2026 with Joel Garris on Dollars & Sense as he dives into two critical topics: the latest market trends and practical financial resolutions. This episode opens with a fearless forecast for the year ahead, including a candid review of last year’s predictions—where Joel nailed the impact of deregulation and tax reform but underestimated the power of AI and the surprising market surge. Hear why 2025 was a transformative y...

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Financial Lessons Learned in 2025: Headlines That Shaped Your Money Decisions

December 29, 2025 • 40 mins

How This Year’s Biggest Events and Behavioral Insights Can Transform Your Financial Future
2025 has been a year packed with transformative moments—political shifts, market turbulence, technological leaps, and viral media headlines. In this episode of Dollars & Sense, Joel Garris guides you through the essential financial lessons we can draw from the past twelve months, exploring how these events influence your money decisions.

...

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Holiday Spending Smarts & The Gift of Financial Planning: Should You Try "No Spend January"?

December 22, 2025 • 40 mins

Discover budget-friendly holiday tips and creative gift ideas on Dollars & Sense
In this festive episode of Dollars & Sense, hosts Zach Keister and Rob Field dive into the emotional and financial realities of holiday spending. The show kicks off with lighthearted banter about holiday traditions and a playful debate over whether “Die Hard” counts as a Christmas movie, setting the stage for practical advice on surviving the s...

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Navigating the Corporate Transparency Act & IRA Rule Changes

December 15, 2025 • 39 mins

In this week’s episode of Dollars & Sense with Joel Garris, Joel dives into two urgent questions facing American investors and retirees: How will the Corporate Transparency Act (CTA) affect your business, and are you prepared for the costly pitfalls of inherited IRA rules?

First, Joel unpacks the latest developments in the Corporate Transparency Act, including an interview with Simon Conway. Listeners learn why recent rule chan...

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Overpaying for Medicare? Plus, Impactful Philanthropy Strategies

December 8, 2025 • 40 mins

Discover How to Manage IRMAA, Avoid 401(k) Mistakes, and Make Your Giving Go Further!
Unlock the secrets to smarter financial planning in this week’s episode of Dollars & Sense with Joel Garris! Joel breaks down three hot topics that can impact your wealth and peace of mind:

IRMAA & Medicare Premiums: Confused about why your Social Security check is smaller? Learn what IRMAA is, how it affects your Medicare costs, and p...

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Is Your Estate Plan Complete? Plus, 7 Habits of the Stealthy Wealthy

December 1, 2025 • 38 mins

On this episode of Dollars & Sense with Joel Garris, get ready for a power-packed financial guide as Joel unpacks the must-do year-end financial checklist, reveals the surprising habits of the “millionaire next door,” and exposes the pitfalls of incomplete estate plans.

Joel kicks off with a timely reminder: as the holiday season races by, you have just weeks to make smart financial moves before the new year. He walks you throu...

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Are You Maximizing Your 401k? And What Can You Do To Protect Yourself From AI Scams?

November 24, 2025 • 39 mins

Curious about the latest retirement updates and how to safeguard your finances in a digital world? In this engaging Thanksgiving episode of Dollars & Sense, hosts Joel Garris and Chet Cowart kick off with holiday traditions and a brief history of Thanksgiving, then dive into timely financial topics that matter to every listener.

The episode covers newly announced 2026 contribution limits for 401ks and IRAs, including special ca...

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Latest Tax Deductions and Vital Estate Planning Tips to Prevent Beneficiary Mistakes

November 17, 2025 • 40 mins

In this episode of Dollars & Sense with Joel Garris and Kristin Castello, listeners get a front-row seat to a lively discussion on the latest government updates, major tax changes taking effect in 2025, and the crucial steps needed to prevent costly mistakes with retirement account beneficiaries.

The show kicks off with the recent end of the government shutdown, playful banter about holiday travel and food benefits, and a spotl...

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Rent or Buy? The pros and cons of homeownership. Plus, Is AI hype the next tech bubble?

November 10, 2025 • 39 mins

Welcome to this week’s Dollars & Sense episode with Joel Garris! Are you wondering if you should rent or buy in today’s crazy market? Or how AI is really reshaping the economy—and maybe even your job? In this video, Joel breaks down the biggest financial trends of the moment and gives you the tools to make smarter money moves.

First up, Joel uncovers why corporate earnings are smashing expectations and how Amazon’s massive AI p...

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Leveraged ETFs & The Rent vs. Buy Dilemma: Unlocking New Wealth Strategies

November 3, 2025 • 40 mins

In this episode of Dollars & Sense, Joel Garris and Christina Lamb tackle two of the most pressing topics in personal finance: the power—and pitfalls—of leveraged ETFs, and the shifting wealth equation for young Americans deciding between renting or buying a home. Listeners will discover why leveraged exchange-traded funds can supercharge returns but demand careful strategy and constant attention, as Joel and Christina break do...

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AI’s Investment Impact, RMD Strategies, and Ladybird Deeds

October 27, 2025 • 38 mins

In this episode of Dollars & Sense with Joel Garris, listeners are treated to an insider’s perspective from a prestigious investment conference attended by just 100 select guests and hosted by one of the world’s largest asset managers. Joel kicks off with a deep dive into the hottest topic in finance—Artificial Intelligence (AI). He explores AI’s growing influence on investments, the labor market, and society, highlighting both...

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Economic Headlines, Wealth Transfer, & Couples with Staggered Retirement Dates

October 20, 2025 • 40 mins

In this can’t-miss episode of Dollars & Sense, hosts Joel Garris and Zach Keister tackle the timely topics reshaping America’s financial landscape. They kick off with a deep dive into tariffs—cutting through the headlines to reveal how the U.S. economy remains resilient, why the actual costs may be less than you think, and what you can do to protect your portfolio.

Next, they demystify the Great Wealth Transfer, exposing the gap...

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Estate Planning Essentials & Navigating Property Transfers: Key Insights for Securing Your Financial Legacy

October 13, 2025 • 38 mins

In this episode of Dollars & Sense, host Joel Garris breaks down the critical steps to "die better"—or at least be better prepared—by mastering the essentials of estate planning. Drawing from Chapter 19, "Death: The Other Certainty," of the Next Gen Dollars and Sense book, Joel shares practical advice to help listeners avoid common estate planning pitfalls and protect their loved ones. The episode highlights the different ways ...

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401k Changes, Alternative Investment Options, Tax Shifts, & Retirement Account Consolidation

October 6, 2025 • 38 mins

n this episode of Dollars & Sense, hosts Kristin Castello and Chet Cowart dive into the hottest topics shaping your retirement future, including the latest proposed changes to 401k investment options and critical updates to catch-up contributions for those aged 50 and above. If you’re curious about how alternative investments like crypto and private equity might soon enter your 401k, or how upcoming tax regulations could affect...

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Dollars&Sense Nelson Financial Planning

Episodes

.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}Market Myths & Money Moves! Plus, the questions you should ask your advisor

.css-r6mb8g{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:1;overflow:hidden;}The Marathon of Investing—Strategies for Every Age: Stories of What Investors Wish They Knew

Is Your Financial Plan Ready for 2026? Market Shifts, Money Myths & America’s Biggest Wealth Transfer

Is Your Car Loan Hurting Your Future? Plus, The Hidden Emotional Crisis in Retirement

What’s New in 2026? Child Tax Credit, Itemized Deduction Caps, and Roth 401(k) Rule Changes Explained!

Venezuela’s Political Shakeup & Top 10 Tax Changes: Impact of Global Events and New Laws

2026 Market Predictions & Financial Resolutions: Will Diversification Win This Year?

Financial Lessons Learned in 2025: Headlines That Shaped Your Money Decisions

Holiday Spending Smarts & The Gift of Financial Planning: Should You Try "No Spend January"?

Navigating the Corporate Transparency Act & IRA Rule Changes

Overpaying for Medicare? Plus, Impactful Philanthropy Strategies

Is Your Estate Plan Complete? Plus, 7 Habits of the Stealthy Wealthy

Are You Maximizing Your 401k? And What Can You Do To Protect Yourself From AI Scams?

Latest Tax Deductions and Vital Estate Planning Tips to Prevent Beneficiary Mistakes

Rent or Buy? The pros and cons of homeownership. Plus, Is AI hype the next tech bubble?

Leveraged ETFs & The Rent vs. Buy Dilemma: Unlocking New Wealth Strategies

AI’s Investment Impact, RMD Strategies, and Ladybird Deeds

Economic Headlines, Wealth Transfer, & Couples with Staggered Retirement Dates

Estate Planning Essentials & Navigating Property Transfers: Key Insights for Securing Your Financial Legacy

401k Changes, Alternative Investment Options, Tax Shifts, & Retirement Account Consolidation

Popular Podcasts

Market Myths & Money Moves! Plus, the questions you should ask your advisor

The Marathon of Investing—Strategies for Every Age: Stories of What Investors Wish They Knew