Next Gen Dollars & Sense Book & Workbook
Free book + companion workbook
Take control of your money - request your free NextGen Dollars & Sense book and workbook
By Joel Garris, CFP®, Certified Financial Fiduciary - 25+ years helping Central Florida families retire with confidence.
- How much risk you're really taking - and whether it matches what you can live with
- Where fees and taxes quietly drain a portfolio - and how to stop it
- The money conversations every family needs to have before it's too late
- IRAs, Roth conversions, RMDs, and Social Security timing, in plain English
Why a printed copy, and why free?
Joel wrote this book to be used, not scrolled. The workbook is meant to be written in, with your own numbers in the margins and a pen in your hand. We'd rather pay to print it and mail it than have it sit unread in a download folder. If it starts one better conversation in your house about money, it was worth the postage.
"Chapter 1 isn't about investing. It's about human behavior - because that's what gets in the way of good financial decisions. I put it first on purpose."
Request Your Free Copy Today
Tell us where to mail your copy. Printed book and workbook, shipped to your door at no cost. Your address is used to mail your books and for nothing else.
We need a street address because we're mailing a real book. We don't sell or share it. Your information is never shared or sold.
WHAT WAITING COSTS - FROM THE BOOK
Two investors, same $250 a month. One starts at 22 and stops after ten years. The other starts at 32 and saves for 34 years. At 65 the first has $1.3 million; the second, who put in three times as much, has $810,000. The expensive part of a financial decision is usually the ten years you spent not making it.
30%
of the market's return the average investor missed over 30 years
Ch. 13
10 days
missed out of 5,000 cut a 20-year return in half
Ch. 13
3x
a loss hurts three times more than a gain feels good
Ch. 1
21 chapters. A short video from Joel on every one.
Preview any chapter before your copy arrives. Each video is 5-8 minutes, recorded by Joel, not a narrator.
Ch. 9 Mutual Funds - and the free Morningstar X-ray offer
Ch. 10 Annuities - buyer beware
Ch. 13 Why the average investor misses 30% of the market's return
Ch. 16 Taxes - the $500,000 you'll pay over a lifetime
Ch. 17 Retirement accounts - IRAs, Roth conversions, RMDs, FRS
Ch. 18 Social Security - when to take it
Ch. 20 The pitfalls of inheriting money
"Great common sense book on personal finance.
This is a book that provides a common sense approach and understanding on items related to personal finance. It covers enough information to help you dive deeper into areas that may be of interest AND provides you tools to implement your planning and budgeting.
Its a great book to hand out to young investors as they are not getting this information in schools and is based on experience, facts... not feelings!
Its a quick read but allows you to also capture notes in areas that are more important to you.
Cannot say enough, buy it! Use the principles! Spread it out to the next generation, they need this!!!"
"Outstanding book! A must-read!
- "Dollars & Sense" is one of the best books I have read. I rank it up there with "The Little Book of Common Sense Investing".
- One of the best things I really enjoyed about this book is the ease of Reading & Understanding what is written. Joel ensured this book could be understood at all levels of education especially by all whom has the desire to achieve financial success.
"Very helpful for me and children.
The author does a great job explaining all the different aspects of finances throughout our lifetime. He does it in a simple way for all of us to understand whether we have a financial background or not. This book has been very helpful to me and my children and we are enjoying using it as a reference book when different financial situations arise for us. I am so glad we found this helpful book."
Written by a fiduciary. Backed by a team of them.
Every advisor at Nelson Financial Planning is a Certified Financial Fiduciary - they've completed specific training and are legally and ethically bound to act in your best interest at all times. Kristin Kalley, CPA, CFP® brings tax planning in-house; Rob Field holds both the NSSA and IRMAA Certified Planning designations. Since 1984, Winter Park, Florida.
Chapter 9 makes an offer. You don't have to wait for the book to take it.
A free Morningstar X-Ray of your portfolio - your true all-in fees, how concentrated your holdings really are, and how you compare to a benchmark - walked through by a Certified Financial Fiduciary. Contact us to schedule a free conversation.
Next Gen Dollars & Sense Book
Make Sense of Your Dollars - And Take Control of Your Financial Future
Money impacts every part of life — from the roof over your head to the peace of mind you feel at night. It can create freedom and opportunity, or stress and uncertainty. The difference lies in how you manage it.
That’s where Next Gen: Dollars & Sense comes in.
Written by Joel Garris, J.D., a financial advisor with over 25 years of experience and host of the Dollars & Sense podcast, this book transforms financial confusion into clarity. It’s your practical guide to understanding money — and making it work for you at every stage of life.
Whether you’re just starting your financial journey or preparing for retirement, you’ll walk away knowing exactly what steps to take next to secure your financial future.
Next Gen Dollars & Sense Workbook
Take Control of Your Financial Future - and You Family's Legacy
The Next Gen: Dollars & Sense Companion Workbook is more than a guide — it’s your hands-on roadmap to building wealth that lasts.
Created by Joel Garris, J.D., financial advisor and host of the nationally recognized Dollars & Sense podcast, this workbook helps you turn financial knowledge into financial action.
Whether you’re planning for retirement, managing investments, or teaching your children smart money habits, this is where theory meets reality — with practical tools you can use right now.
Over $90 trillion will transfer between generations in the next 25 years.
The choices you make today will shape how that wealth — and wisdom — is passed on.
Use this workbook to start meaningful conversations with your spouse, children, or grandchildren about what financial freedom truly means. You’ll gain clarity, direction, and a shared understanding of how to protect and grow your family’s legacy.
