Money Matters 334- The Man Behind the 4% Rule W/ Bill Bengen
MONEY MATTERS with Christopher Hensley
Release Date: 09/05/2025
Money Matters 334- The Man Behind the 4% Rule W/ Bill Bengen
MONEY MATTERS with Christopher Hensley
šļø Episode #334 ā The Man Behind the 4% Rule: Bill Bengen on Inflation, Flexibility, and a Richer Retirement What if the greatest risk to your retirement portfolio isn't a market crashābut inflation? In this episode of Money Matters, Christopher Hensley, RICPĀ®, sits down with Bill Bengen, the creator of the legendary 4% Rule for safe withdrawal rates. Now, 30 years later, Bengen reflects on what still holds up, whatās changed, and how retirees and advisors can adapt withdrawal strategies in a world of sticky inflation, volatile markets, and longer life expectancies. Whether you're...
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Money Matters Episode 333- The AI Visibility Crisis W/ Brian Thorp
MONEY MATTERS with Christopher Hensley
š Why Your Next Best Client May Never Call You First ā And What To Do About It In this episode of Money Matters, I sit down with Brian Thorp, founder and CEO of Wealthtender, to unpack a radical shift in how clients find financial advisors. AI tools like ChatGPT and Googleās AI Overviews are now mediating the first impressionābefore clients ever visit your website or pick up the phone. We discuss: The āVisibility Crisisā facing independent advisors How AI tools prioritize structured data and schema Why testimonials and reviews are your new secret weapon The power of...
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Money Matters Episode 332- The Prospecting Crisis No One Talks About W/ Eden Ovadia & Victoria Toli
MONEY MATTERS with Christopher Hensley
What if the real problem isn't that advisors hate prospectingāit's that the system we gave them to do it is broken? Most tools treat advisors like marketers. Spray-and-pray. Mass messaging. Cold lists. But the best advisors? They donāt want to scale spam. They want to scale presence. Thatās what Eden Ovadia and Victoria Toli built with FINNY: ā An AI engine that understands who you actually connect with ā A matchmaking algorithm (yes, really) that gets better the more you use it ā Outreach thatās compliant, personalizedāand human This conversation blew me away. And if you're...
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Money Matters Episode 331- The Invisible Partner: How AI Gives Advisors Their Time Back W/ Arnulf Hsu
MONEY MATTERS with Christopher Hensley
500 hours. Thatās how much time some advisors are getting backāevery single year. Not from working harder. From removing the invisible work that's slowly draining them. In this weekās Money Matters Podcast, I sat down with Arnulf Hsu, founder of GReminders, to talk about what happens when AI becomes your invisible partnerānot your replacement. We covered: How voice-aware AI reduces "cognitive clutter" Why compliance is the real barrier (and how GReminders solves for it) And what it really means to scale presence, not spam This isnāt about hype. Itās about freedom. Freedom...
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Money Matters Episode 330- AI, Fraud & the Future W/ Whitney Joy Smith
MONEY MATTERS with Christopher Hensley
The audio sounded perfect. Too perfect. Thatās what Whitney Joy Smithāone of Canadaās top private investigatorsātold me when we sat down to talk about AI, trust, and the future of voice. In this special edition of the Money Matters podcast, we go deep into one of the most uncomfortable truths in todayās tech landscape: You can no longer assume a voice recording is real. Whitney shares real-world cases where AI-generated voices nearly destroyed lives, and how investigators are adjustingānot just their tools, but their intuition. And hereās where it connects to financial advising:...
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Money Matters Episode 329- Federal Job Cuts 2025 W/ Brian Kuhn
MONEY MATTERS with Christopher Hensley
Federal employees are facing one of the most disruptive years in modern history. Over 275,000 positions have been impacted through layoffs, buyouts, and reclassifications ā and many workers are left wondering: What now? To help us make sense of it all, I welcomed back Brian Kuhn, a seasoned financial advisor and federal benefits expert who first appeared on Money Matters in 2014. We discuss: ā What the current administrationās restructuring means for public sector workers ā How to evaluate early retirement or exit offers ā What steps to take before you make a decision ā How to...
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Money Matters Episode 328- The Little Book of Data w/ Justin Evans
MONEY MATTERS with Christopher Hensley
š„ NEW EPISODE: The Hidden Currency of Data ā with Justin Evans Is data the new oilā¦ or is it something even more valuable? In this episode of Money Matters, I sit down with Justin Evans, author of the upcoming Little Book of Data (dropping this June), to unpack how data is reshaping money, business, and your everyday life. š” Youāll learn: Why data is the overlooked asset class of the 21st century How businesses are using data to gain an unfair advantage The hidden risks of bad data and how it can mislead decision-makers Justinās simple, human-centered approach to telling...
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Money Matters 327- From Paycheck to Purpose W/ Derrick Kinney
MONEY MATTERS with Christopher Hensley
What if more money wasnāt the end goalābut the beginning of your bigger purpose? In this episode of the Money Matters Podcast, host Christopher Hensley sits down with Derrick Kinney, Wall Street Journal and USA Today bestselling author of Good Money Revolution and host of the Good Money Podcast. Derrick shares why traditional money advice is brokenāand how you can rewrite your money story, ditch guilt, and build wealth with purpose. From asking for a raise to redefining what it means to be successful, this conversation is packed with practical tools and inspiring stories. š Topics...
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Money Matters 326-Navigating Caregiving Challenges with Isabel Melgarejo
MONEY MATTERS with Christopher Hensley
Navigating Caregiving Challenges with Isabel Melgarejo | Money Matters Podcast In this episode of Money Matters with Christopher Hensley, we dive deep into the emotional and financial challenges of caregiving with special guest Isabel Melgarejo, caregiving planner and host of Time to Care: The Caregivers Podcast. What Youāll Learn: š¹ The financial burdens caregivers face and how to plan ahead š¹ Building a support system to avoid burnout and maintain balance š¹ Navigating difficult conversations about aging and end-of-life care š¹ Practical self-care strategies for caregivers š¹...
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Money Matters 325- Shut the F up and Listen ! W/ Matt Halloran
MONEY MATTERS with Christopher Hensley
Want to make your podcast interviews unforgettable? š In this episode of Money Matters 325, host Chris sits down with Matt Halloran, expert podcast coach and author of Shut the F Up and Listen, to reveal the secrets of powerful conversations, audience engagement, and podcast growth. š¹ What Youāll Learn in This Episode: ā Why listening, not talking is the key to an engaging podcast šļø ā The biggest interviewing mistake podcasters makeāand how to fix it ā How to use storytelling to captivate your audience š ā The Google SEO hack for growing your podcast audience š...
info_outlinešļø Episode #334 ā The Man Behind the 4% Rule: Bill Bengen on Inflation, Flexibility, and a Richer Retirement
What if the greatest risk to your retirement portfolio isn't a market crashābut inflation?
In this episode of Money Matters, Christopher Hensley, RICPĀ®, sits down with Bill Bengen, the creator of the legendary 4% Rule for safe withdrawal rates. Now, 30 years later, Bengen reflects on what still holds up, whatās changed, and how retirees and advisors can adapt withdrawal strategies in a world of sticky inflation, volatile markets, and longer life expectancies.
Whether you're planning your own retirement or advising clients on income strategies, this conversation delivers clarity, context, and practical insights from one of the most influential figures in modern financial planning.
š” Topics Covered:
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Why inflation is the true enemy of retirement
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How Bengenās thinking on the 4% Rule has evolved in 2025
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The importance of flexibility in withdrawal rates
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Guardrails, gifting, and building a more human retirement
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Why diversification now includes 7 asset classes
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A behind-the-scenes look at how the 4% Rule research went viral
š Get the Book:
A Richer Retirement by Bill Bengen ā available now on Amazon and major booksellers.
š§ Host: Christopher Hensley, RICPĀ®, CESĀ®