Dollars&Sense Nelson Financial Planning

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

April 13, 2026 • 38 mins
This episode covers three topics that can have a big impact on your financial future: how to avoid a surprise tax bill next year, why a Health Savings Account (HSA) may be one of the most underutilized retirement assets, and how retirement planning has changed (it’s not your parents’ retirement anymore). 
In this episode: 
  • Why the IRS is a “pay-as-you-go” system—and what to change if you owed this year 

  • Withholding vs. qu...
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Join Joel Garris and Rob Field for a lively Easter edition of Dollars & Sense! In this episode, we kick things off celebrating Easter and exploring its unique mix of Christian tradition and modern-day commercialization (think chocolate bunnies and Easter egg hunts). Then, with the tax deadline just days away, Joel and Rob share practical tips to avoid common IRS mistakes that could cost you time, money, and peace of mind. Learn...
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In this episode of Dollars & Sense with Joel Garris, CERTIFIED FINANCIAL PLANNER® at Nelson Financial Planning, we tackle some of the hottest financial topics of the week: 
  • IRS Interest & Penalties: Did you pay extra on your tax bill? Discover why IRS penalties are on the rise, how interest rates affect what you owe, and actionable steps you can take to avoid unnecessary costs. 

  • Market Corrections Explained: With...
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Join Joel Garris and Chet Cowart on this week’s episode of Dollars & Sense as they take you courtside for a lively discussion that fuses the excitement of March Madness with the intensity of today's financial headlines. This episode dives into the "private credit squeeze"—how hot new investment products can quickly go from hype to headache, and why liquidity and transparency matter more than ever. 

The hosts break down what priv...
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Unlock Savings, Outsmart Scammers, and Take Control of Your Taxes 

Ready to make your taxes work for you—and not just for Uncle Sam? Join us for a deep dive into the tax credits millions of Americans overlook every year, costing them real money. We break down what credits matter most, how simple life changes—like saving for retirement, child care, and home improvements—can put cash back in your pocket, and why planning ahead is your...
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This week’s episode of Dollars & Sense dives into the headlines shaking up the financial world—from the U.S. and Israel’s military action in Iran and rising oil prices to the launch of new “Trump accounts” for minors and the dreaded IRMAA Medicare adjustments. Joel Garris and Rob Field break down the immediate market reactions, share personal stories (including a real-life gas price dilemma), and offer practical, calm action st...
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Ready to safeguard your finances and make confident life transitions? In this must-listen episode of Dollars & Sense with Joel Garris, Joel dives into two of today’s most important money topics: protecting yourself from modern scams and preparing for a move to a retirement care community. 

🔒Outsmarting Scammers & Protecting Your Data 
Have you ever received official-looking letters, texts, or emails trying to charge you for ...
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Understanding the Human Side of Financial Decisions 

Join Certified Financial Fiduciaries™ Zach Keister and Christina Lamb for an eye-opening episode of Dollars & Sense that dives deep into the psychology of money. This isn't about spreadsheets—it's about the emotions, habits, and mindsets that shape your financial life. 

Discover why even smart people make puzzling money choices, and learn how your upbringing, mental wiring, and...
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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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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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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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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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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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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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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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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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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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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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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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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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