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Interest rates, inflation, investing, and charitable giving may seem like separate financial topics—but they all come back to one important idea: having a plan. In this episode of Dollars & Sense, Joel breaks down how changing interest rates can affect borrowers, savers, bond investors, retirees, and anyone trying to make smart decisions with their money.
Joel also explains why waiting for the “perfect” time to invest can be costly, especially when headlines make it tempting to sit on the sidelines. Instead of trying to time the market, he shares practical ways to think about cash needs, long-term growth, dollar-cost averaging, and building an investment allocation that matches your goals.
Finally, this episode explores donor-advised funds and how they may help families give more intentionally. Learn how charitable giving can be coordinated with tax planning, appreciated investments, high-income years, and long-term family goals.
💵 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.
👉 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.
