November 7, 2026

Why is asking a friend to pay you back so uncomfortable, and what happens when long-term care needs arise years earlier than expected?

This week on “Henssler Money Talks,” we're exploring two very different situations where money can complicate relationships and financial decisions.

First, we're talking about the awkward side of money between friends. From picking up the dinner tab to chasing down reimbursements, we share our own experiences and examine the unwritten rules of splitting expenses, the psychology behind generosity, and why even small amounts of money can complicate friendships.

Then, a listener's family situation raises an important financial planning question: What happens when a long-term care expense you anticipated years down the road suddenly becomes a more immediate concern? We discuss how changing care needs can affect a financial plan, the role of long-term care insurance, and the importance of maintaining flexibility when life doesn't follow the timeline you expected.

Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.

Timestamps and Chapters

  • 2:26: Money Between Friends: Who Picks Up the Check?
  • 27:25: Long-Term Care: When Life Tests the Financial Plan
  • 47:17: The Post Election Market

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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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