October 24, 2026

Is Gen Z facing greater financial challenges than previous generations, or have expectations of financial success changed? From young adults who believe homeownership is out of reach to those expecting six-figure salaries, we examine the financial realities facing Gen Z and how parents can help their children build wealth without creating dependence.

Then, we're joined by Shanna Squires of Henssler Mortgage Advisors to explore an unexpected challenge for retirees: qualifying for a mortgage when you have substantial investment assets but limited traditional income. We discuss how lenders evaluate retirement income, asset-depletion mortgages, and why having the financial resources to afford a home doesn't always make mortgage approval straightforward.

Finally, a listener challenges us to revisit the rare periods when the stock market failed to deliver positive returns over a rolling 10-year period. We look back at the market downturns that defined the so-called lost decade, how our Henssler Ten Year Rule helped investors navigate those difficult years, and why maintaining liquidity for future spending needs remains an important part of long-term financial planning.

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

• 4:51: Gen Z: Financially Behind or Financially Different
• 27:26: Mortgage Qualification in Retirement: When Assets Matter More Than Income
• 36:16: The Ten Year Rule: When History Puts the Strategy to the Test
• 47:30: Fixed Income: More Than Just Yield