Shows / Dollars & Common Sense
Dollars & Common Sense
A listener-driven radio show aired on WNIS AM790. Objective, unbiased financial advice on all personal financial planning matters delivered by CERTIFIED FINANCIAL PLANNERS™.
Episodes
- Dollars & Common Sense
The Retirement Tax Window: An Opportunity You Don't Want to Miss
What if some of your biggest tax-saving opportunities come after you stop working? In this episode of Dollars & Common Sense, we explore the retirement tax…
- Dollars & Common Sense
The Art and Science of Spending Money
We spend decades learning how to save and invest, but what happens when it's finally time to spend? For many retirees, shifting from saving to spending can be…
- Dollars & Common Sense
The Art and Science of Spending Money
We spend decades learning how to save and invest, but what happens when it's finally time to spend? For many retirees, shifting from saving to spending can be…
- Dollars & Common Sense
The Art and Science of Spending Money
We spend decades learning how to save and invest, but what happens when it's finally time to spend? For many retirees, shifting from saving to spending can be…
- Dollars & Common Sense
The Financial Decisions Couples Do Not Always Agree On
Money disagreements are not always really about the numbers. In this episode, we explore why even strong couples can have different views on when to retire…
- Dollars & Common Sense
When Can You Stop Worrying About Money?
This episode explores a question many people struggle with even after they have built a strong financial foundation: When can you finally stop worrying about…
- Dollars & Common Sense
The Five Big Retirement Questions All Families Face
Retirement is not one decision. It is a series of questions that can shape your financial security for decades. In this episode of Dollars & Common Sense, we…
- Dollars & Common Sense
The Financial Habits That Separate Confident Retirees from Anxious Retirees
Why do some retirees enjoy retirement with confidence while others constantly worry about money, even when they have similar savings? In this episode, we…
- Dollars & Common Sense
Coordination of Comprehensive Financial Planning
Many people think they have a financial plan because they have a 401(k), IRA, brokerage account, or pension, but having accounts is not the same as having a…
- Dollars & Common Sense
The Hidden Cost of Waiting: Financial Decisions That Get More Expensive Over Time
When it comes to financial planning, one of the most expensive words can be "later." In this episode, we discuss how delaying important decisions about saving…
- Dollars & Common Sense
The Financial Decisions That Matter More Than Investment Returns
Most people assume investment returns are the biggest factor in building wealth, but the reality is often much different. In this episode, we explore the…
- Dollars & Common Sense
What Happens to Your Money If You Don’t Have an Estate Plan
Most people assume estate planning is something only wealthy families need, but the reality is that every household can face serious complications if proper…
- Dollars & Common Sense
Giving with Purpose: How Charitable Giving Fits Into Financial Planning
This week’s show explores how charitable giving fits into a thoughtful financial plan and why generosity is about far more than tax deductions alone. We’ll…
- Dollars & Common Sense
The Hidden Risk of Underspending in Retirement
Many retirees spend decades doing everything right financially, only to find themselves holding back far more than they need to once retirement begins. This…
- Dollars & Common Sense
Tax Planning vs. Tax Filing: Why It Matters
This episode breaks down one of the biggest misconceptions in personal finance: the idea that taxes are solved in April. We explore the critical difference…
- Dollars & Common Sense
Decisions You Make During the Year That Shape Your Taxes
Most people think tax season is when their taxes are decided, but in reality, the outcome is shaped by financial decisions made throughout the entire year…
- Dollars & Common Sense
The Financial Advice People Wish They Had Followed 10 Years Earlier
In this episode of Dollars & Common Sense, we explore the financial advice people most often say they wish they had followed ten years earlier. Looking back…
- Dollars & Common Sense
From Portfolio to Paycheck: Turning Savings Into Steady Income
This episode focuses on one of the most challenging transitions in retirement: moving from steady paychecks to generating income from savings. It explores why…
- Dollars & Common Sense
The Retirement Red Zone
In this episode, we define the Retirement Red Zone—the five years before and after retirement—when financial decisions become larger, more permanent, and far…
- Dollars & Common Sense
Top 10 DIY Investor Mistakes (and how to avoid them)
Most DIY investors don’t have an investing problem—they have a behavior problem, and this episode proves it with hard numbers: over the last 10 years, the…
- Dollars & Common Sense
The 2026 Money Reset -- Actions to Win the Year
Kick off the new year with a simple game plan that can make the rest of 2026 feel calmer, clearer, and more in control. In this episode, we break down…
- Dollars & Common Sense
Financial Planning Moves to Make Before Year End - Part II
Get your money ready for the new year with this special year-end checklist episode. We’ll walk through the key moves to think about before December 31—like…
- Dollars & Common Sense
Financial Planning Moves to Make Before Year end - Part I
As the year wraps up, Kevin walks through a checklist of smart money moves to consider before December 31st. He talks about checking your investment gains and…
- Dollars & Common Sense
Financially Smart Gifting Ideas for the Holiday Season
This episode explores how to give meaningfully and strategically—whether to loved ones or charitable causes. It breaks down the full spectrum of gifting…
- Dollars & Common Sense
Financial Freedom and Guilt-free Spending
This episode explores how to enjoy your money guilt-free while still achieving long-term financial freedom. It covers why people often overspend or underplan…
- Dollars & Common Sense
Keeping Up With The Jones: The High Cost of Lifestyle Inflation
This episode explores why even high earners often struggle to build wealth as their income rises. It explains how lifestyle upgrades—bigger homes, newer cars…
- Dollars & Common Sense
The Advantages of a Reverse Mortgage
Reverse mortgages have come a long way since their inception in the 1960's. Today, they represent a flexible financial planning tool to help manage cashflow…
- Dollars & Common Sense
Financial Misinformation on the Internet
It seems anyone with a smart phone and a TikTok account can dispense financial advice these days. Unfortunately, a lot of what you hear online is wrong. In…
- Dollars & Common Sense
The Role of Insurance in Financial Planning - Part II
A continuation of the July 22nd show relating to the proper use of insurance in financial planning. We discuss the correct purpose of insurance, the different…
- Dollars & Common Sense
Protecting Your Future: The Role of Insurance in Financial Planning
Insurance premiums are one of the largest household expenses after taxes. In this episode, we discuss the correct purpose of insurance, the different types…
- Dollars & Common Sense
Pre-Retirement Planning: How to Set Yourself Up for Success
This episode explores the softer side of retirement planning that many people don't fully consider. Transitioning from daily work to retirement can bring…
- Dollars & Common Sense
The Basics and Fundamentals of Proper Estate Planning
An estate plan is not something you do for yourself. It's something you do for your loved ones. But a well-crafted estate plan is an important component of a…
- Dollars & Common Sense
The Wild World of Financial Scams
Financial scams through the ages. How they have evolved, ways you can protect yourself, and where to report fraud when they occur.
- Dollars & Common Sense
The Psychology of Money
A discussion of the deep psychological feelings and emotions that money evokes. This includes strategies and applications to help overcome negative biases and…
- Dollars & Common Sense
Marriage and Money: Creating Harmony
Financial conflict is often sited as one of the main reasons for divorce in the United States. In this show, we tackle the highly sensitive topic of combining…
- Dollars & Common Sense
Markets & Investing in Turbulent Times
What is behind one of the fastest and sharpest drops of the US stock market, putting the decline in historical context, and investment actions you should take…
- Dollars & Common Sense
Common Financial Planning Goals
Most people who work with a financial advisor don't have a comprehensive list of specific financial goals. That's ok. A good financial advisor will help draw…
- Dollars & Common Sense
Listener Calls and Some Marital Harmony
A variety of listener calls start us off then we roll into ways you can enhance marital satisfaction by creating healthy financial habits.
- Dollars & Common Sense
Top Financial Regrets and How to Avoid Them
We've all got 'em. From accumulating too much credit card debt, to making large impulse buys, to overspending on a home, or failing to save early enough…
- Dollars & Common Sense
Social Security: An Overview, Its Formation and Its Future
A high-level overview of the Social Security program. In this show, we discuss why the program was created, how it's funded, what types of benefits are…
- Dollars & Common Sense
Key Financial Planning Considerations to Start 2025 - #2
Episode #2 -- Key financial planning ages, asset & debt considerations, and tax planning items to be aware of as we enter the new year. General steps and…
- Dollars & Common Sense
Key Financial Planning Considerations to Start 2025 - #1
Episode #1 -- Personal & life items, cash flow issues, and asset & debt consideration to be aware of as we enter the new year. General steps and guidance to…
- Dollars & Common Sense
Smart Financial Planning Moves to Make Before Year End
Issues to consider and moves you can make before year end regarding investments, tax planning, and cash flow to enhance your financial situation.
- Dollars & Common Sense
Maximize Giving During the Holiday Season
Show callers help shape the agenda as we discuss ways to maximize giving opportunities during the holiday season.
- Dollars & Common Sense
The Virtues of Roth IRAs and The Value of Roth Conversions
A deep dive into the benefits of Roth IRAs and the potential massive tax savings that can result from Roth IRA conversions.
- Dollars & Common Sense
The Proper Use of Credit in Financial Planning
How to use credit and debt effectively to enhance your finances. We explain different types of credit, do a deep dive on credit reports and credit scores…
- Dollars & Common Sense
How to Efficiently Create Income in Retirement #2
The second segment of a two-part show. Determining retirement income needs, identifying sources of income, and then creating a retirement income plan for…
- Dollars & Common Sense
How to Efficiently Create Income in Retirement #1
The first segment of a two-part show. Determining retirement income needs, identifying sources of income, and then creating a retirement income plan for…
- Dollars & Common Sense
Understanding and Preventing Identity Theft
How does identity theft happen, how can you prevent it, and what to do if you're a victim.
- Dollars & Common Sense
Reverse Mortgage: What are they, how do they work, what is the benefit?
This show, we do a deep dive on reverse mortgages. Once a much maligned financial product -- and for good reason -- they are now a very viable and beneficial…
- Dollars & Common Sense
Twenty-Five Truths About Money
Short, bite-sized truisms about money to help you build a solid financial foundation and build wealth over time.
- Dollars & Common Sense
How to Prioritize Savings to Growth Wealth Fast
This is the annual discussion of one our most popular podcasts -- prioritizing the right savings vehicles to maximize your net worth. It's starts with an…
- Dollars & Common Sense
Estate Planning: Tools, Tips, and Techniques
Estate planning is an important component of comprehensive financial planning. In this episode, we discuss why estate planning matters, the key components of a…
- Dollars & Common Sense
Financial Independence: What Is It, How to Achieve It
The different perspectives on Financial Independence, it's importance, how to achieve it, and some potential pitfalls to keep in mind.
- Dollars & Common Sense
How to Live a Tax-Efficient Life
Steps you can take year-round to lower your annual tax bill and keep more money for yourself.
- Dollars & Common Sense
Demystifying Long Term Care
Long Term Care - What is it, how is it delivered, types of facilities, and how to plan and pay for it.
- Dollars & Common Sense
The Concerning State of Retirement Savings in the US
A recent survey shows that about one-third of the US population has nothing saved for retirement. Of those who have something saved, most have less than…
- Dollars & Common Sense
Wealthway Investment Management Philosophy and Principles
Wealthway Financial Advisors investment management philosophy and principles are explained in detail. Money is purchasing power and its value is relative…
- Dollars & Common Sense
Listener Calls
This week, we have a show full of listener calls. Hear real life scenarios from people who need help maximizing their financial resources. Kevin discusses what…
- Dollars & Common Sense
Retirement Trends in the United States
Americans are living longer, which means the concept of retirement is evolving. In this episode, we discuss what modern retirement looks like, how you can best…