Podcast appearances and mentions of Clark Howard

What Really Drives the Stock Market and Why Even Perfect Estate Plans Fail Have you ever wondered why the stock market seems to be doing great while the economy feels just... okay? In this episode, fiduciary financial advisor Wes Moss explains why the stock market often tunes out economic "noise" like geopolitical events and rising unemployment. He reveals the number one thing that drives stock performance -- and it's not what you think. Also, you've done all the right things: created a will, set up a trust, and made your wishes clear. So why do so many estate plans -- even those of celebrities like Jimmy Buffett -- end up in messy family feuds and court battles? Wes has the answer. Mentioned on the show: The Rule of 55: What Is It, How It Works Rule 72(t): Secret Rule To Access Your IRA Early Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 9, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Power of Dividend Growth Explained and Is the Midwest the Next Silicon Valley? Should we fall in love with dividends? Fiduciary financial advisor Wes Moss tackles the classic debate of stocks versus bonds with a deep dive into the power of dividends. Using data going back 45 years to 1980, Wes reveals how an investment in the S&P 500 would have dramatically outperformed bonds, with dividends growing by an incredible percentage. Also, Wes shares a fascinating look at the future of American manufacturing. He draws a comparison between the 1950s and today, highlighting the huge growth in productivity and innovation. Wes argues that the next big frontier for economic growth might not be in Silicon Valley, but in the heart of the Midwest, thanks to modern-day "George Jetsons" and a renewed focus on high-tech manufacturing. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 2, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark looks at what you need to know about the proposed $1000 “Trump Accounts” for babies born between 2025 and 2028 – and the tax impact it will have.

Clark warns about disaster scams, and why you need to be careful about what charities you contribute to!

We continue our series about analyzing the gurus! We'll be spending time discussing several big personal finance names, their recommendations, and why we do or do not agree with those. Josh and Amelie discuss Clark Howard, his philosophy on saving and spending. Top takeaways: Saving small amounts of money may not be worth the time or effort involved. DIY may not be the best approach for you. Reviews from gurus are not as thorough as other sources (e.g., Consumer Reports). As your life becomes more complex, you likely have more complex investing needs. An overemphasis on saving money elevates money above your time, relationships, and life experiences.

Clark looks at the "App Gig" economy, and has tips for how people working app related gigs can maximize their compensation. Hear Clark's money saving tips every morning during JMN!

A retired couple's home renovation plans nearly triggered a massive, hidden cost that no one wants to pay: the Income-Related Monthly Adjustment Amount (IRMA). Fiduciary financial advisor Wes Moss breaks down how a simple plan to pay for a renovation could have led to thousands of dollars in extra Medicare premiums and what you can do to avoid a similar fate. Also, Wes dives into the world of AI and financial planning. He explains why AI is a powerful tool for analysis, but warns against using it as a fortune teller. Find out how you can use AI to your advantage while avoiding the dangerous pitfalls of letting it make your big financial decisions for you. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 26, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on the show: Could we see National Guard troops in Atlanta? Karen Travers from ABC News at the White House with the latest. Clark Howard on the scam targeting our retirement accounts. Scott Slade live on the Katrina anniversary. Plus, the $5K a Day bonus blitz! 9am-noon on 95.5 WSB.

Today on the show: Could we see National Guard troops in Atlanta? Karen Travers from ABC News at the White House with the latest. Clark Howard on the scam targeting our retirement accounts. Scott Slade live on the Katrina anniversary. Plus, the $5K a Day bonus blitz! 9am-noon on 95.5 WSB.

Today on the show: Could we see National Guard troops in Atlanta? Karen Travers from ABC News at the White House with the latest. Clark Howard on the scam targeting our retirement accounts. Scott Slade live on the Katrina anniversary. Plus, the $5K a Day bonus blitz! 9am-noon on 95.5 WSB.

Why This Retired Couple Is Still 70% in Stocks and Will the Fed Start Lowering Rates? A retired couple in their 80s has big pensions, no debt, and a significant amount of their portfolio in stocks. While traditional wisdom suggests being more conservative with age, find out why they have an “infinite time horizon,” as fiduciary financial advisor Wes Moss explains. Also, the Federal Reserve is the engine of the U.S. economy, and its decisions on interest rates have massive ripple effects, from the housing market to your savings account. With the latest inflation and jobs reports suggesting a cooling economy, Wes explains why we may be at the end of the "higher for longer" era. He also provides a critical heads-up for savers. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 19, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark warns about how YOU may get hit with a high tariff bill when you buy things online. If you get asked for a TAX ID or Social Security number – cancel that buy, and get it somewhere else!

Is the 60/40 Rule DEAD? and Inheriting Money The Right Way Is the 60/40 investing rule dead? Fiduciary financial advisor Wes Moss tackles this question by looking back at research and revealing what a $500,000 portfolio would look like today. He shares why balanced investing is still critical for a comfortable retirement. Also, with the largest wealth transfer in history underway, Wes provides a reality check on inheriting money. He gives you a simple checklist for receivers and givers to make sure you're prepared. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 12, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Catch-Up Secrets for Savers 55+ and Does the 4% Rule Really Work? Are you 55 or older and feeling behind on retirement savings? Or perhaps you're wondering how to make your money last once you do retire? Fiduciary financial advisor Wes Moss dives deep into crucial strategies for those 55 and up, including powerful "catch-up" contributions for your 401(k), IRA, and HSA that can add thousands to your nest egg. Also, Wes also reveals the often-debated but incredibly powerful 4% rule, explaining why it's a critical guideline for sustainable retirement withdrawals and how it can reduce your anxiety about running out of money. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 5, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With car insurance rates escalating, many people are serious about shopping around for a better deal. Clark offers guidance for lowering that bill. Also, a topic of great interest to Clark and vital to us all: Energy and the factors affecting how much we pay.  Save On Auto Insurance: Segment 1 Ask Clark: Segment 2 Energy Diversity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Auto Insurance Companies and Some of the Worst How to Shop for Lower Car Insurance 10 Ways To Save Money on Car Insurance Insurance costs are soaring around Tornado Alley. Hail is the big problem. Clark Howard's #1 Rule Before You File an Auto Insurance Claim How To Open a Roth IRA In Small Nuclear Reactors, There's One Clear Leader Today The Best Cheap Phone Plans Under $40/Month The Best Phone Plan For You – Compare Phone Plans The Secret Technology Rental Car Companies Are Using Against You Cheapest Way to Rent a Car: Expert Tips Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are You Richer Than You Think? and This Little-Known Strategy Can Save You a Ton in Taxes Do you feel rich? Fiduciary financial advisor Wes Moss breaks down how to calculate your “rich ratio” and reveals surprising signs you're wealthier than you realize. Plus, discover the little-known NUA rule – a potential tax-saving strategy that could save you thousands on your 401(k)! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 29, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has a tip on how to manage your email accounts, so you never miss an important message.

10 Financial Myths That Are Costing You Money Are you falling for common financial myths that are holding back your wealth? Fiduciary financial advisor Wes Moss debunks 10 prevalent financial misconceptions that could be costing you big time! 10 Investing Myths That Are Costing You Money Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 22, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses upcoming opportunity in the car market, and answers the question: should you buy an EV now before the tax credit expires on new and used electric vehicles. Clark Stinks: Segments 1 & 2 An EV Purchase: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Take on the Chase Sapphire Reserve® Changes Aerolopa - Making sense of airline seating plans Clark Howard's Obsession That Could Save You Hundreds 6 Reasons Sam's Club Is Better Than Costco Capital One Agrees To Major Settlement After Accusation of ‘Cheating' Customers How To Save Money on Utilities This Device Can Help You Avoid an Annoying Car Rental Fee Axios: The next wave of EV adoption What Is Supplemental Insurance and Should You Buy It? 4 Insurance Policies You Actually Need (And 4 You Don't) Is Pet Insurance Worth It? Costco Travel: 5 Things To Know Before You Book Booking a Cruise? Here Are 5 Ways To Do It for Less Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Best Time To Take Social Security and Why Target Date Funds Are Good, but Not Perfect What's the best time to take Social Security? Fiduciary financial advisor Wes Moss breaks down several scenarios to help you optimize your Social Security check. Also, target date funds have long been a popular option as a “set it and forget it” easy button for investing. Wes shares why this “TV dinner” of investing is a good – but not perfect – option. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 15, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Avoid This Potentially BIG Roth Blunder and 3 Keys to Happy Retirement Success Don't make this potentially HUGE Roth mistake! Fiduciary financial advisor Wes Moss reveals a little-known rule about rolling over your Roth 401(k) into a Roth IRA that could cost you big. If you've only contributed to a Roth 401(k), you need to hear this to avoid a costly blunder with the 5-year rule. Also, Wes recently received a retirement love letter from a couple who are self-proclaimed “happiest retirees on the block.” He shares the letter and the big keys to happy retirement success. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 8, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark discusses a disturbing trend underway involving retirement accounts, and explains the best way to use a 401(k).  Also, Clark explores the significance of small business in building wealth and influencing the overall economy, including the opportunities provided for workers now facing uncertainty.  Steady Retirement Saving: Segment 1 Ask Clark: Segment 2 Small Business: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - INVEST & RETIRE The Only Two Exceptions to Clark Howard's Annuity Rule Immediate Payout Annuity: What Is It and Do You Need It? How to Start Investing: 10 Steps for Beginners 3 Big Retirement Account Changes You Haven't Heard About What Is a SEP IRA and Who Is Eligible? What Is a Solo 401(k) and How Does It Work? How To Buy Term Life Insurance in 7 Easy Steps Homeowners Insurance Archives - Clark Howard How to Shop for Lower Car Insurance How To Send a ‘Drop Dead' Letter to a Collection Agency Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Secret to Consistent Investing and Your Financial Safety Net for Any Market Are you tired of "FOMO Freddie" always bragging about his latest hot investment? Fiduciary financial advisor Wes Moss reveals why chasing market trends is a dangerous game and how sticking to your investment style is the key to long-term success. We'll dive into the perils of FOMO investing and show you what happens when you jump from one "best" strategy to the next. Also, Wes breaks down the critical concept of "dry powder" – what it is, why you need it, and how it acts as your ultimate financial buffer during market downturns. Learn about the different types of liquid safety assets that can protect your portfolio and give you peace of mind, no matter what the economy throws your way. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 24, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we celebrate Clark Howard's birthday and the many accomplishments he's inspired - starting with Clark's own telling of his life's trajectory into an ongoing mission of service. And in the second half of the podcast, a sampling of the many appreciations Clarkies sent in to celebrate him today. It may be Clark Stinks day, but on this birthday he comes out smelling like a high dollar rose bought on sale!  About Clark: Segments 1 & 2 Clark Stinks-Special BD Edition: Segments 3 & 4 Mentioned on the show: About Clark Howard Clark Howard: Habitat for Humanity Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Secret Rule To Access Your IRA Early and Top 9 Things That Bring Joy in Retirement If you want to retire early, this rule can help! Fiduciary financial advisor Wes Moss breaks down the often-misunderstood Rule of 72(t). Discover how this IRS exception can allow you to access your IRA funds before age 59 ½ without incurring that hefty 10% early withdrawal penalty. Also, Wes dives into groundbreaking research on what truly brings joy and purpose in retirement. Wes shares surprising (and not-so-surprising) truths from his latest study of over 1,200 Americans. He reveals the top categories that consistently lead to a more purposeful and joyful post-career life. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 17, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Do Retirees Need To Track Stock Earnings? And This Rule Can Help You Retire Early If you're a retail investor or a happy retiree, should you be paying attention to corporate earnings? Fiduciary financial advisor Wes Moss dives into why earnings matter for both individual stock owners and index fund investors. Discover how the overall earnings of the S&P 500 influence market trends and whether you need to obsess over every quarterly report. Also, Wes breaks down the "Rule of 55," a lesser-known strategy that could help you access your retirement money sooner without penalties. Most people know about the Rule of 59 1/2, but Wes reveals the specific qualifications and conditions for utilizing the Rule of 55 with your 401(k). Learn how this rule could accelerate your path to retirement! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 10, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Investing in Gold: Smart Move or Mistake? and Will Entry-Level Jobs Disappear? Should you own gold? How much should you own? Fiduciary financial advisor Wes Moss breaks down the data and shares his take on investing in gold to help you determine if it belongs in your portfolio. Also, the CEO of a major AI company recently said that 50% of all entry-level white collar jobs will go away over the next 1-5 years. Could this prediction be right? It's possible. Wes explains what may happen and what we can do about it. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 3, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Help us surprise Clark Howard for his birthday! We're collecting special wishes for Clark (it's a secret!) to celebrate his birthday on June 20th. Use this form to share your wishes for Clark: https://forms.gle/hNtmFTvqkdZc94J49 -- remember it's a secret! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, how one state plans to use controversial technology to slow down speeders. Clark Stinks: Segments 1 & 2 Intelligent Speed Assist: Segment 3 Ask Clark: Segment 4 Mentioned on the show: “Clark Stinks!” - by Son of Scotland How To Open a Roth IRA 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Use Priceline To Save on Travel What Is an HSA Account and How Does It Work? Virginia will use technology to slow chronic speeders' cars Car Rental Insurance: Everything You Need To Know Credit Card Car Rental Insurance: What You Need To Know My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

10-Step Checklist BEFORE You Retire and How Spending Money in Retirement Actually Works Ready to retire? Fiduciary financial advisor Wes Moss walks you through the essential 10-point checklist you should complete before leaving the workforce. Also, Wes breaks down the often-confusing topic of spending money in retirement. How do you actually access your funds, and what's the smart way to manage different account types? Learn the strategic way to tap into your different retirement "buckets" to make your money last and minimize taxes. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 27, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are We in a Passive Investing Bubble? and Lump Sum Investing vs. Dollar Cost Averaging Is passive investing creating a stock market bubble? Fiduciary financial advisor Wes Moss dives into the rise of index funds, why they became so popular, and the potential concerns. Also, Wes covers a classic investing strategy: Dollar Cost Averaging (DCA). He explains how systematically investing over time can smooth out your cost basis and make investing less daunting, especially with a lump sum. We'll look at how DCA stacks up against investing a lump sum all at once – you might be surprised by the numbers! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 20, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Breaking Down ETFs/Index Funds/Mutual Funds and Retirement vs. Brokerage Accounts Confused about ETFs, index funds, and mutual funds? Fiduciary financial advisor Wes Moss breaks down these "cousins" of investing – including when to use them. Also, retirement accounts vs. brokerage accounts – what's the difference and what's the best option for you? Wes explains everything you need to know! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 13, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Is Owning a Home Still a Good Investment? and 5 Areas To Cover With a Financial Advisor Ever wonder if buying a home is still a smart move in today's market? Fiduciary financial advisor Wes Moss reveals why housing can be a powerful "forced savings plan" and a hedge against inflation, especially for happy retirees. He examines historical trends, the recent housing boom, and the current median home price. Is buying now a nerve-wracking mistake, or a cornerstone of long-term wealth? Also, are you making the most of your conversations with your financial planner? Wes unveils the crucial categories he calls the "5 P's" to have more productive and meaningful meetings with your advisor. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 6, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Stock Market Fear Index and Missing the Worst Market Days Hurts You More Than You Think Feeling anxious about the volatile market in 2025? Fiduciary financial advisor Wes Moss breaks down why history shows us that peak fear always subsides. He analyzes past VIX spikes over the last 25 years to offer a reassuring perspective. Learn why it's unlikely this heightened fear will last forever and what history tells us about market recovery. Also, you've heard about the cost of missing the best market days, but what about the worst? Wes explains why trying to sidestep market downturns is often a losing strategy. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 29, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also today, Clark puts favorite child Fidelity in time-out due to a current practice they're engaged in that account holders need to be well aware of.  Clark Stinks: Segments 1 & 2 Fidelity Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: This Simple Maintenance Schedule Will Make Your Car Last Longer Walmart Tire Center   /   Clark.com - TIRES Walmart+ Membership Program: 4 Things To Know 23andMe Bankruptcy: Why You Should Erase Your Data Now Raisin Review: Can You Trust This Online Savings Marketplace? Apply for an electronic travel authorisation (ETA) “Guaranteed” Not to Lose Money in the Stock Market? What's the Catch? — FinancialFreedomforWomen.Org What Is an Annuity, and Why Does Clark Think They Stink? The Only Two Exceptions to Clark Howard's Annuity Rule What's the Best Way To Exchange Dollars for Foreign Currency? Best Credit Cards With No Foreign Transaction Fees in 2025 Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Scared to Spend? Don't Cancel Plans and #1 Investment Benchmark Worried about the market and your upcoming vacation? Fiduciary financial advisor Wes Moss explains why you shouldn't cancel your beach trip due to market volatility. Learn a rational approach to navigating bear markets and protecting your life plans. Also, Wes reveals the surprising investment benchmark everyone is really watching (and why it might be misleading you!). Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 22, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Tariff Meltdown Investing Lessons and Top 5 Activities for Happiness The stock market was in a meltdown last week after the tariff announcement, and it has been a roller coaster over the last several days. How do we handle such uncertainty as investors? Fiduciary financial advisor Wes Moss shares lessons from the market meltdown -- and melt up – along with encouraging statistics to help us feel confident with our finances. Also, Wes shares fascinating data about the top five activities that help make us the happiest – and the worst. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 15, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions:  clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Should You Shift Investments to Cash? and How To Beat Inflation As investors, we naturally want to protect everything and make everything safe. It's our human emotion. But fiduciary financial advisor Wes Moss warns us to beware the siren's song of safety luring you to move to cash. He has three tips to help you ignore the urge. Also, inflation has been wild over the last several years. While inflation is always part of the equation, intense periods of inflation can wreak havoc. Wes shares the secrets to help you beat it.   Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 8, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions:  clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Should You Withdraw 5% From Retirement Accounts? and How Corrections Impact the Market If you think about the most important fundamental in retirement planning, it's determining the amount of money we can withdraw and still not run out. Fiduciary financial advisor Wes Moss discusses the longstanding 4% rule and runs the numbers on the probability of running out of savings if you bump it to a 5% withdrawal rate – or more. Also, it's never fun to watch our portfolios drop. Wes walks us through historical corrections and why we shouldn't panic. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 1, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions:  clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

When it comes to retirement accounts, where they're held is all important and can make a huge difference later in life. Clark explains why knowing your fees is a financial must -  and what to look for. Also today, Clark faces the changes at his favorite airline. It's time to talk about Southwest. Retirement Account Fees: Segment 1 Ask Clark: Segment 2 Heartbreaker Southwest: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Fee Level Does Clark Consider Acceptable For a Company 401(k)? 401k Fees: How Much is Too Much? Why You Need To Know Your Company 401(k) Fees Roth vs. Traditional 401(k): What's the Difference? What Is an Annuity, and Why Does Clark Think They Stink? The Only Two Exceptions to Clark Howard's Annuity Rule Budgeting - Clark.com Big Changes Are Coming To Southwest Airlines Customers Should You Cancel Your Southwest Airlines Credit Card? Clark Howard's 4 Travel Rules You Should Follow Right Now How To Save on Travel With Google Flights PAXCESS™ | PAXLOVID™ Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you seeing unsettling headlines about 2025? You're not alone. Reports show a surge in retirement account trading, with a staggering 40% of people moving to stable value funds. Fiduciary financial advisor Wes Moss explains why "Tariff Terror" is driving these decisions – and the incredible reason why we should navigate uncertainty with confidence. Also, with market dips and volatility on the rise, how can you protect your portfolio? Wes introduces the "Dry Powder Principle” -- your strategic reserve of safety assets. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 18, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Advertisers: Credit Karma Learn more about your ad choices. Visit megaphone.fm/adchoices

Retirement Accounts in Panic? and Your Secret Weapon for Volatile Markets Are you seeing unsettling headlines about 2025? You're not alone. Reports show a surge in retirement account trading, with a staggering 40% of people moving to stable value funds. Fiduciary financial advisor Wes Moss explains why "Tariff Terror" is driving these decisions – and the incredible reason why we should navigate uncertainty with confidence. Also, with market dips and volatility on the rise, how can you protect your portfolio? Wes introduces the "Dry Powder Principle” -- your strategic reserve of safety assets. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 18, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: https://clark.com/ask We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you dreaming of an early retirement but worried about making costly mistakes? In this episode, Wes uncovers six critical errors to avoid before taking the leap. With recent trends of companies offering buyouts and encouraging early exits, it's more important than ever to be prepared. Wes explores the shift in retirement expectations, from the traditional model to the modern reality, and discusses how to navigate this changing landscape. Don't let these common mistakes derail your early retirement dreams. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 11, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - this weekend marks daylight savings time, and Clark has an important assignment for you that can help ensure your insurance works better for you. Clark Stinks: Segments 1 & 2 Walk & Talk Home Video: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Free File Fillable Forms | Internal Revenue Service What Is an Annuity, and Why Does Clark Think They Stink? The Only Two Exceptions to Clark Howard's Annuity Rule Google Fi Review: My Experience as a 6-Year Customer (Pros and Cons) Lightbox lab-grown diamond jewelry. Bringing light to life. Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards Clark Howard's 5-Point Annual Checklist You Should Follow Protect Your Belongings by Videotaping Them Once a Year What Can I Safely Use for Peer-to-Peer Payments? What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Shipping Costs at the Post Office Just Went Up Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

10 Habits of the Happiest Retirees Are you dreaming of a truly happy retirement? Fiduciary financial advisor Wes Moss reveals the 10 key habits of those who are living their best post-work lives, based on years of research. In today's Ask an Advisor episode, Wes dives into both the financial and lifestyle choices that make all the difference. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 4, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

How much money do you need to retire? Fiduciary financial advisor Wes Moss outlines two straightforward methods to determine the amount you'll need for a comfortable retirement. Wes walks you through factoring in income streams like Social Security and pensions, alongside your individual spending goals, to arrive at your target number. Also, "doom and gloom" headlines can often dominate financial news. Should you listen? Wes shares his perspective. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 25, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. Mentioned on the show: Calculators - Clark Howard We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you want to be a millionaire? Wes dives into the fascinating trend of "mini millionaires" and uncovers the secrets to their success. He explores data from the Federal Reserve and the Wall Street Journal, revealing the common traits of those achieving millionaire status. Are they earning massive salaries? How much does education matter? He breaks down the key factors. Plus, he revisits the timeless wisdom of "The Millionaire Next Door" and how its core principles still apply today. Also, Wes shares three powerful investing lessons from an interview with the legendary John Bogle, founder of Vanguard. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 18, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Valentine's Day!  One way to help keep love alive is being honest about money matters and talking over financial goals with your partner.  Clark talks about different ways couples can navigate finances successfully. Also, the average cost of a wedding has hit a new high! But there are other ways to think about the big day, and beyond. Financial Fidelity: Segment 1 Ask Clark: Segment 2 Wedding Expense: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's 5 Money Tips for Couples How Couples Can Get on the Same Page About Money 6 Things To Know Before Contacting the National Foundation for Credit Counseling How To Spot and Avoid Gift Card Scams The One and Only Exception to Clark Howard's 'No Gift Card' Rule How To Talk to Your Partner About Money Before Marriage SAVE Money On Your Wedding Marriage, money and happiness: A timeline I Need Plane Tickets for an International Trip. Should I Buy Now or Wait? 5 Steps To Getting a Good Deal on a Hotel Room Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Monthly Pension vs. Lump Sum: The 6% Test and Is the Market Too High To Keep Investing? Should you take a monthly pension or a lump sum payout? That's a tricky question, but fiduciary financial advisor Wes Moss has a simple rule that can help you decide. Also, is it better to invest when markets are high or low? Wes breaks down market records since 1950 and shares his perspective on why investing in an all-time-high market is more important to your money than you may think. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 11, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Just recently, big news from China jolted the market and the media in the U.S. as a new AI technology entered the field: DeepSeek. In the first part of this episode, fee-only fiduciary financial advisor Wes Moss explains how this development will only increase productivity in America and improve our economy. Also, Wes continues to discuss the DeepSeek news and how it is impacting markets and our investments. He shares five keys to stock diversification to help you limit losses and bad returns. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 4, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Is it ever too late to start saving for retirement? Fee-only fiduciary financial advisor Wes Moss has an answer, backed by years of research. Also, a major Social Security change in 2025 is set to positively impact nearly three million people. Wes explains everything you need to know, including who will see an increase in their checks. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 28, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Read Wes' 5 Keys To Be a Successful Investor  APELLA WEALTH - Advice For Life Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices