Podcast appearances and mentions of Wes Moss

What might everyday millionaires, Coast FI, and skilled trades teach us about building wealth and planning for retirement? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase explore the money decisions, tradeoffs, and strategies that may help shape the road to financial independence. ·       Discover how “everywhere millionaires” are building wealth through hands-on businesses far beyond the Silicon Valley spotlight. ·       Explore the appeal of Coast FI and why life's financial curveballs may complicate even a carefully designed plan. ·       Examine how skilled trades such as plumbing and electrical work may fit into the conversation around careers, income, and wealth building. ·       Assess how risk tolerance, time horizon, and market swings may help shape a retirement investment mix. ·       Consider how young, high-earning professionals might weigh taxes, student loans, and workplace retirement plansas their incomes grow. ·       Compare lump-sum and monthly pension options while factoring in inflation, COLAs, longevity, and income needs. ·       Evaluate securities-backed lines of credit, including their potential benefits and risks, and how they differ from traditional mortgages. ·       Learn how realizing investment gains may affect reportable income and eligibility for ACA health insurance subsidies. ·       Understand the tax and eligibility considerations surrounding custodial accounts and Roth IRAs for young adults. ·       Explore Wes's new book, The Retire Sooner Method, and the research behind his approach to the financial and lifestyle characteristics associated with a happier retirement. Listen and subscribe to the Retire Sooner Podcast for more conversations about retirement planning, investing, financial independence, building wealth, and the financial and lifestyle decisions that may come into play on the road to financial independence. Learn more about your ad choices. Visit megaphone.fm/adchoices

How To Build Wealth Without a Tech Job & Hidden Dangers of Coast FI Forget the myth that you have to work on Wall Street or in Silicon Valley to build massive wealth. Wes reveals the power of the "Everywhere Millionaires" – the 3 million Americans who have accumulated a collective $65 trillion by building unglamorous, low-tech, and non-tech businesses. Discover why tactile, essential industries are producing some of the richest entrepreneurs in the country (including a former hot dog stand owner who sold his business for $1 billion). Then, Wes issues a crucial warning for young investors drawn to the Coast FI movement. While saving aggressively early in life is fantastic, relying solely on compound interest while taking your foot off the savings gas pedal in your 20s or 30s carries massive hidden risks. Wes explains why life's unexpected variables mean you shouldn't step back from your financial goals too soon. Mentioned on the show: Are You Well Invested? Here's a 6-Point Check          Backdoor Roth IRA: How High Earners Can Still Contribute How To Invest a Lump Sum or Cash You've Left Uninvested Pension vs Lump Sum Calculator - Clark Howard The Biggest Investing Lesson From Trump Accounts - Clark Howard All this and more on the September 15, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/askDiscover the research-backed path to a happier retirement – order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

Is the economy really K-shaped, or are we looking at a different letter entirely? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase tackle the “E-shaped economy,” interest rates, retirement planning, AI, dry powder, and the pursuit of a happier retirement. ·       Rethink the K-shaped economy as Wes considers whether an “E-shaped economy” is more associated with today's financial landscape. ·       Connect the dots between interest rates, housing, bonds, 401(k)s, consumer sentiment, and spending. ·       Discover how “dry powder” may fit into a retirement income strategy and how cash reserves may be used and replenished over time. ·       Consider the role dry powder may play within a diversified retirement portfolio. ·       Navigate a familiar retirement dilemma: What happens when one spouse wants to make a big purchase and the other would rather save? ·       Examine the relationship between liquid assets and total net worth and why that balance may matter in retirement. ·       Question whether AI can handle financial planning on its own, and where human judgment may still play a role. ·       Explore retirement planning considerations for those who may feel like they're getting a late start. ·       Consider cash-management approaches for loved ones who prioritize financial security and leaving a legacy over spending. ·       **Meet **The Retire Sooner Method, Wes's new book exploring five lifestyle and financial characteristics his research found among some of America's happiest retirees. ·       Compare two factors that may contribute to a happier retirement: meaningful core pursuits and a good night's sleep. Listen to the Retire Sooner Podcast for a lively and educational conversation about retirement planning, investing, the economy, and the pursuit of a happier retirement.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Rapid Fire Q&A: The "Happiest Retiree" Pet Factor, RMD Alternatives, Fidelity's New Annuity + More Questions Answered Welcome to our first monthly "Rapid Fire Thursday" episode of Ask an Advisor! Today, Wes Moss is opening up the listener mailbag to answer your direct financial questions. We're covering a wide range of topics: from how pets fit into the "Happiest Retirees" research, to whether UTMA accounts or Trump Accounts beat out a classic 529 plan for college and savings goals. Plus, we address pension life insurance strategies, handling portfolio planning with reduced life expectancy, and how to navigate the infamous "Tax Torpedo" in retirement. Mentioned on the show: Required Minimum Distributions: How To Calculate, Rules The Biggest Investing Lesson From Trump Accounts - Clark Howard Best 529 College Savings Plans By State Roth IRA vs Traditional (Pre-Tax) IRA Calculator - Clark Howard All this and more on the September 10, 2026, Ask an Advisor “Rapid Fire” episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

Why the "K-Shaped" Economy is WRONG & What Rising Interest Rates Mean for You Is the "K-shaped" economy an accurate description of what Americans are experiencing today? Wes breaks down why the economy looks less like a "K" and more like an "E" — and what that means for your money, spending, and job prospects. Wes also tackles the burning question on every investor and homeowner's mind: What happens if interest rates keep rising? From the 10-Year Treasury yield to the inverse relationship between interest rates and bond prices, learn how potential rate hikes could impact your mortgage, car loans, and fixed-income portfolio. Mentioned on the show: Axios: The closing of the "K" Remote work -- not AI -- has sidelined recent college graduates 5 Keys To Be a Successful Investor All this and more on the September 8, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

If there's one person who knows about both the financial and non-financial ingredients to a happy retirement, it's Wes Moss. Wes is a Certified Financial Planner, the chief investment strategist at Capital Investment Advisors, the host of the Retire Sooner podcast, and the author of five books, including “The Retire Sooner Method: The Five Secrets Behind America's Happiest (and Unhappiest) Retirees.”In Part 2 of their conversation, host Robert Brokamp spoke with Wes about:-The importance of “core pursuits” (aka, “hobbies on steroids”) and adventure-The “friendship recession” and how to build a community in retirement-The value of SWAN (sleep well at night) money-Turning your portfolio into a paycheck via multi-asset class income investing Host: Robert Brokamp, CFP®, EAGuest: Wes Moss, CFP®Engineer: Kristi Waterworth Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

If there's one person who knows about both the financial and non-financial ingredients to a happy retirement, it's Wes Moss. Wes is a Certified Financial Planner, the chief investment strategist at Capital Investment Advisors, the host of the Retire Sooner podcast, and the author of five books, including “The Retire Sooner Method: The Five Secrets Behind America's Happiest (and Unhappiest) Retirees.”In Part 1 of their conversation, host Robert Brokamp spoke with Wes about:-His decade-plus quest to find the most important characteristics of happy retirees-What his updated research says about the investable net worth and income of happy retirees-Why even wealthy retirees fear running out of money, and how to relieve that anxiety-The relationship between retirement happiness and carrying a mortgageTune in tomorrow for Part 2! Host: Robert Brokamp, CFP®, EAGuest: Wes Moss, CFP®Engineer: Kristi Waterworth Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit 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 retirement with Wes Moss including how we can plan for not only a solid financial future, but a happy one as well. Clark Stinks: Segments 1 & 2 Clark & Wes On Retirement: Segments3 & 4 Mentioned on the show: Why Property Taxes Are Soaring (and How To Fight Back) Why You Need To Lock Your Brokerage Account Today Why Your HOA Fees Are Skyrocketing - Clark Howard The Biggest Investing Lesson From Trump Accounts - Clark Howard T-Mobile Retires Legacy Plans: Expect a Price Increase FCC - Filing an Informal Complaint Why some Americans are forced to retire too soon - Marketplace A Single Change to Your Car-Buying Habits Could Add $250,000 to Retirement Gen Z 401(k) Savings Compared to Older Generations Discover the research-backed path to an earlier, happier retirement – order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com. All this and more on the September 4, 2026, episode of The Clark Howard Show. Note: No show on Monday due to Labor Day. Have a safe and wonderful weekend! Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Submit your opinions or questions: Ask Clark. Learn more about your ad choices. Visit megaphone.fm/adchoices

When should you retire, and what might shape the years that follow? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase tackle listener questions about retirement planning, investing, retirement income, and the surprises life may throw your way. ·       Consider why retiring sooner may provide more time to enjoy healthy, active retirement years. ·       See what certain retirement stories may reveal about health, longevity, and planning for the unexpected. ·       Explore Wes's new book, The Retire Sooner Method, and his latest research on happy retirees. ·       Examine how rental property income may factor into retirement cash flow and diversification, along with the risks and responsibilities of owning real estate. ·       Weigh paying down the mortgage against keeping cash available for a future home or land purchase. ·       Meet what some refer to as the “boomer candy” of investing—buffered ETFs—and learn how their potential benefits, limitations, and risks may function. ·       See why sequence of returns risk may matter when you start withdrawing money in retirement. ·       Untangle the tax, diversification, and emotional considerations that may come with selling a concentrated stock position. ·       Navigate the investing, tax, and financial questions that may come with retiring abroad. Join Wes and Christa for real questions, relatable stories, and an educational look at the decisions that may shape retirement planning. **Listen and subscribe to the **Retire Sooner Podcast for more conversations about investing, retirement income, and the pursuit of an earlier, happier retirement. Learn more about your ad choices. Visit megaphone.fm/adchoices

What actually makes for a happy retirement? Today, Joe sits down with retirement expert Wes Moss, author of The Retire Sooner Method, to explore the research behind America's happiest retirees. Wes explains why money is only part of the equation, how community and “super activities” give retirement purpose, why eliminating debt can create more freedom, and how a clear retirement plan can help reduce the fear of running out of money.Then Joe and OG tackle one of retirement's most popular investing strategies: living off dividends so you never have to sell your investments. They break down why dividends feel so appealing, where the strategy can fall short, and why building your retirement income plan around your goals may matter more than chasing a particular yield. Plus, Doug celebrates the anniversary of the ATM with some cash-dispensing trivia.Resources mentionedWes MossThe Retire Sooner Method: The 5 Secrets Behind America's Happiest and Unhappiest RetireesYou Can Retire Sooner Than You ThinkRetirees Love Dividends, but the Stock Market Surge Is Making Them Think Again — The Wall Street JournalField Kit FinanceThe 201 newsletter — stackingbenjamins.com/201Field Kit Finance webinars: Sign up for The 201 to get the full schedule.The Clark Howard ShowFinConDana AnspachBen CarlsonAttorney Tim Semro's recent Stacking Benjamins appearanceFULL SHOW NOTES: https://www.stackingbenjamins.com/wes-moss-retire-sooner-method-1892/Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201Enjoy!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Wes shares why retiring as soon as possible is more critical than most people realize. He highlights why waiting too long can cost you the best, most active years of your life, and explains how the Retire Sooner Method helps you shave years off your career so you can enjoy true freedom while you still have the energy to use it. Also, Wes tackles one of the biggest threats facing new retirees today: Sequence of Returns Risk. Even in a strong market, market downturns in the first few years of retirement can drastically alter your long-term wealth. Through a side-by-side example of two retirees with identical 5% average returns, Wes demonstrates how early negative returns during active withdrawals can leave one person with nearly a million dollars less than the other. You'll gain a clear understanding of why timing matters just as much as average returns, along with practical steps to adjust early withdrawal strategies and safeguard your nest egg against market volatility. Mentioned on the show: Understanding The Biggest Risk to New Retirees (Sequence of Return Risk) All this and more on the September 1, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – pre-order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

Football is back, fall is around the corner, and there's plenty happening with the economy and markets. On this episode of the Money Matters Podcast, Wes Moss and Connor Miller sort through some of the current financial stories and explore what they may mean for investors and retirees. ·       Analyze the U.S. economy, inflation, and S&P 500 earnings as summer winds down. ·       Explore The Retire Sooner Method and Wes's latest research on the characteristics associated with happier retirees. ·       Consider the challenges the sandwich generation may face while juggling kids, aging parents, and retirement goals. ·       Compare recent trends in large-cap stocks, dividend growers, small caps, and diversified portfolios. ·       Follow how oil prices, federal debt, interest rates, and housing costs may influence the economy. ·       Track CPI and PCE inflation and potential changes to how these closely watched measures are calculated. ·       Examine why fewer Americans 55+ seem to be participating in the labor force and the factors that may influence retirement decisions. ·       Consider how growing investment in artificial intelligence may influence jobs, productivity, and economic growth. ·       See how changing immigration trends may affect employment and unemployment data. ·       Review the financial and lifestyle characteristics associated with retirement happiness in Wes's research. ·       Reflect on Dolly Parton's legacy and her apparent attention to purpose and giving. From inflation and the stock market to AI and retirement planning, Wes and Connor attempt to make sense of a busy financial landscape. Listen and subscribe to the Money Matters Podcast for more educational conversations about the economy, investing, and retirement.

Wes Moss is a Managing Partner and Chief Investment Strategist at Capital Investment Advisors (CIA), where he leads a team dedicated to helping individuals and families achieve financial independence. A CERTIFIED FINANCIAL PLANNER™ and prominent money educator, Wes is the author of What The Happiest Retirees Know and You Can Retire Sooner Than You Think, and hosts the nationally recognized Retire Sooner Podcast alongside his weekly call-in radio show, Money Matters. Recognized nationally by Barron's, Forbes, and Investopedia for his expertise in income investing and retirement lifestyle planning, he holds a degree in economics from the University of North Carolina at Chapel Hill and lives in Atlanta with his family.Connect with Wes Moss:Website: https://www.wesmoss.com/ The Retire Sooner Method: The 5 Secrets Behind America's Happiest (and Unhappiest) Retirees. https://a.co/d/00AA74b0 Need expert tax planning? Visit GTG Tax to learn how to make your taxes work for your goals: https://gtgtax.com/ TurnKey Podcast Productions Important Links:Guest to Gold Video Series: www.TurnkeyPodcast.com/gold The Ultimate Podcast Launch Formula- www.TurnkeyPodcast.com/UPLFplusFREE workshop on how to "Be A Great Guest."Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Ready to earn 6-figures with your podcast? See if you've got what it takes at TurnkeyPodcast.com/quizSales Training for Podcasters: https://podcasts.apple.com/us/podcast/sales-training-for-podcasters/id1540644376Nice Guys on Business: http://www.niceguysonbusiness.com/subscribe/The Turnkey Podcast: https://podcasts.apple.com/us/podcast/turnkey-podcast/id1485077152 Discover how you can look 'poor' to the IRS and rich to a lender. Check out my sponsor, GTG Tax Planning, at gtgtax.com to book a short discovery call.

Got retirement questions? Wes Moss and Christa DiBiase tackle them in this rapid-fire episode of Retire Sooner Podcast. Take an educational look at retirement planning, investing, Roth accounts, college savings, bonds, and more. ·       Explore considerations for when high-yield savings account rates start heading south, including evaluating brokerage money market funds. ·       Balance daycare bills, taxable investing, and 529 college savings when there never seems to be enough room in the budget for every goal at once. ·       Understand how backdoor Roth and mega backdoor Roth strategies work and factors to consider. ·       Consider the tricky question of whether a potential inheritance belongs in a retirement plan. ·       Look beyond the higher distributions of high-yield ETFs to the potential risks hiding underneath. ·       See what it's like for financial advisors to juggle client concerns, annual planning, and a steady stream of market and economic news. ·       Review The Retire Sooner Method, from getting the financial pieces in place to finding purpose, nurturing friendships, and getting better sleep. ·       Compare individual bonds, bond funds, and bond ETFs when weighing income characteristics, diversification, and simplicity. ·       Evaluate whether boosting Roth or after-tax contributions may make sense as retirement gets closer. Hear Wes and Christa take on the retirement questions that may be on your mind, too. **Listen and subscribe to the **Retire Sooner Podcast for more educational conversations about money, retirement, and building toward a happy retirement. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this special episode, fiduciary financial advisor Wes Moss answers your top questions on high-yield savings accounts, college planning, investing for grandchildren, preparing for retirement, and more. Whether you're dealing with falling savings rates or trying to navigate high-yield dividend options, Wes breaks down the practical strategies you need to keep your money working for you. Mentioned on the show: Where Should You Keep Your Cash Reserve? - Clark Howard Backdoor Roth IRA: How High Earners Can Still Contribute The Biggest Investing Lesson From Trump Accounts - Clark Howard Best 529 College Savings Plans By State All this and more on the August 25, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – pre-order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

From $40 trillion in U.S. debt to an everyday employee who quietly built seven-figure wealth, this episode of the Money Matters Podcast covers a lot of ground. Join Wes Moss and Jeff Lloyd as they seek to help make sense of the markets, retirement planning, and a few fascinating detours along the way. ·       Celebrate college football season and the start of fall. ·       Unpack how U.S. debt, federal deficits, and interest rates may affect investors and the economy. ·       See how the bond market and Federal Reserve may influence interest rates. ·       Explore cancer treatment advances and the growing potential of AI in healthcare. ·       Consider what demand for U.S. Treasury bonds and higher yields may mean for investors. ·       Hear what Wes shared on The Money Guy Show about the habits associated with happier retirees. ·       Learn why sequence of returns risk may matter when taking portfolio withdrawals in retirement. ·       Discover how a longtime employee reportedly accumulated seven-figure wealth through decades of consistent saving and investing. ·       Consider how workplace benefits, retirement contributions, and staying invested may support long-term wealth accumulation. ·       Explore the Retire Sooner Method and its approach to retirement planning. ·       Laugh along with a golf analogy that shows why personal finance may be as unique as your swing. Bring some personality to the serious business of planning for retirement. Listen and subscribe to the Money Matters Podcast with Wes Moss and Jeff Lloyd for more conversations about investing, retirement planning, and personal finance.

The stock market may be hitting all-time highs, but is that a reason to celebrate or worry about what comes next? On the Retire Sooner Podcast, Wes Moss and Christa DiBiase turn current headlines and listener questions into a lively conversation about investing, retirement, Social Security, housing, 55+ communities, healthcare, and more. ·       See what history may tell us about stock market all-time highs, why they have historically arrived in bunches, and how corrections may fit into the picture. ·       Track the S&P 500's historical performance and put today's market highs into historical perspective. ·       Ask whether early retirement might work by weighing spending, taxes, healthcare, Social Security, and retirement withdrawals. ·       Consider how much your adult children should know about your net worth, inheritance, and estate plans. ·       Weigh the pros and cons of using 529 plan funds for private education, including a potential wrinkle for families in New York. ·       Picture life in a 55+ community and explore ways to test-drive the lifestyle before making a move. ·       Think through renting in retirement and how rising housing costs may affect a long-term retirement budget. ·       Navigate the tougher side of retirement planning, including healthcare, Social Security, long-term care costs, and caregiving. ·       Revisit when to claim Social Security as questions continue around the program's future funding and potential changes. ·       Discover the Retire Sooner Method and explore a framework intended to help you think through the financial and lifestyle pieces of an earlier, happier retirement. Listen and subscribe to the Retire Sooner Podcast for an engaging, educational take on the money and life questions that often come along with planning for retirement. Learn more about your ad choices. Visit megaphone.fm/adchoices

Retirement happiness isn't just about how much money you've saved—so what actually matters most? Brian, Bo, and retirement researcher Wes Moss put it to the test with a Retirement Happiness Draft, taking turns building their ideal retirement from 12 choices like $100K of income, eight hours of sleep, close friends, travel, hobbies, a paid-off home, and multiple income streams. Who builds the happiest retirement? Along the way, they unpack new research on happy retirees, retirement planning, financial independence, health, relationships, and purpose after work—and reveal what the data says really separates a fulfilling retirement from an unhappy one. Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

What History Really Says About All-Time Market Highs & Should You Move to a 55+ Community? With the S&P 500 continuously hitting new all-time highs in 2026, many investors are wondering if the market has moved too far, too fast. In this episode, Wes Moss dives into the history of market highs, explaining why record-breaking runs are actually far more common—and far less dangerous—than headlines suggest. Also, Wes tackles one of the biggest lifestyle decisions in retirement: deciding where to live. Maintaining a vibrant social circle gets harder as we age, but moving to an active 55+ community can provide the built-in social network, amenities, and lifestyle needed to thrive. Wes walks through a real-life case study of how to properly research, visit during peak seasons, and test-drive these neighborhoods before buying. Plus, he reveals a clever tax strategy for funding your next home without triggering a massive tax bill. Mentioned on the show: The Overlooked 'Rule of 55' Could Unlock an Earlier Retirement A Simple Rule for When To Take Social Security Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 18, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – pre-order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com  We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

What exactly is “boomer candy,” and why is Wall Street talking about it? On the Money Matters Podcast, Wes Moss and Connor Miller break down specialty ETFs, retirement income, diversification, inflation, and what history may teach us about staying invested. ·       Explore why high-income specialty ETFs seem to be catching the attention of investors looking for income and potential downside protection. ·       See how ETFs may have evolved from simple, low-cost funds into increasingly complex products with new strategies, costs, and risks. ·       Follow the trend in derivative ETFs, which have grown from under $100 billion to roughly $600 billion in assets. ·       Unpack how high-income S&P 500 ETFs may use options to pursue monthly income and manage volatility. ·       Compare specialty ETFs with buffered and barrier notes, including a noticeable difference: potential counterparty risk. ·       Visualize specialty ETFs as financial burritos—layers of investment strategies wrapped together in one package. ·       Consider where specialty ETFs may fit as a supplement to a diversified portfolio rather than the main course. ·       Revisit the supposed “death of the 60/40 portfolio” after 2022 and see what history may add to the debate. ·       Discover what decades of market data may suggest about stocks, bonds, and balanced portfolios across different holding periods. ·       Check the latest inflation, CPI, and interest rate trends and what they may mean for the Federal Reserve and financial markets. Listen and subscribe to the Money Matters Podcast for a lively, educational look at investing, retirement planning, ETFs, and the markets. 

What does it really take to retire sooner and enjoy the years you've worked so hard for? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase tackle listener questions about retirement planning, investing, taxes, retirement income, and the pursuit of a happier life after work. ·       Examine the idea of building a retirement life map around what matters most to you. ·       Discover what Aristotle can teach us about retirement happiness, purpose, and fulfillment. ·       Confront spending anxiety and why letting yourself enjoy your savings can be surprisingly difficult. ·       Consider when it might be time for a change of scenery—and what a move may mean for your finances. ·       Compare **cost-of-living **calculators when sizing up potential retirement destinations. ·       Analyze strategies for untangling concentrated stock positions, diversification, and the potential tax tradeoffs. ·       Explore the Rule of 55 and when it may provide penalty-free access to certain 401(k) funds. ·       Experience the Retire Sooner Method, from the Money & Happiness Green Zones and Core Pursuits to relationships and sleep. ·       Break down the 4% rule of thumb, withdrawal rates, and the fear of running out of money. ·       Weigh a HELOC versus IRA withdrawal while considering taxes and potential Roth conversions. ·       Walk through listener scenarios involving retirement readiness, withdrawal strategies, and investment allocation. Retirement is about more than hitting a number—it's also about figuring out what you want those years to look like. Listen and subscribe to the Retire Sooner Podcast for more educational conversations about the money and life behind a happier retirement. Learn more about your ad choices. Visit megaphone.fm/adchoices

Is Your Retirement Missing Purpose? & Why You Shouldn't Be Scared To Spend Your Retirement Savings Wes starts by looking at what ancient wisdom and modern research teach us about true fulfillment. As we leave the workforce, we often lose daily structure, active socialization, and full households all at once. To counter these major life headwinds, Wes discusses how planning your lifestyle goals even ten years out leads to significantly greater joy once you stop working. Also, Wes tackles the massive psychological barrier of spending down your hard-earned nest egg. Running out of money is the single biggest financial fear for most Americans. Wes shares the rule that offers an extremely high probability of success, giving you the confidence to stop worrying, start spending wisely, and enjoy the retirement you earned. Mentioned on the show: Cost of Living Calculator | City and Salary Comparison Tool Do You Really Need To Rebalance Your Portfolio? If You Have Enough To Retire Comfortably, Should You?   Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 11, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to an earlier, happier retirement – pre-order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com. We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

What's driving record stock market highs? Find out on this episode of the Money Matters Podcast as Wes Moss and Jeff Lloyd connect the dots between artificial intelligence (AI), investing, Social Security, and retirement planning in a fast-moving, educational conversation that helps put the current financial headlines into perspective. ·       Find out what may be fueling record stock market highs, from AI to strong corporate earnings. ·       Explore one of the market's biggest five-day rallies since 1950 and see how markets have historically performed following comparable rallies. ·       Follow the wild story of a leveraged hedge fund and what it may reveal about investing risk. ·       Examine how money has shifted from AI stocks toward value investing and dividend-paying companies. ·       Consider why demographic changes may help reshape the future of higher education. ·       Compare practical ways to balance college savings with retirement planning. ·       Weigh Social Security claiming considerations based on income, longevity, and retirement goals. ·       Explore listener questions on pensions, mortgage payoff, cash reserves, and core pursuits. ·       Review financial habits that may support long-term retirement planning. ·       Claim your preorder bonus for The Retire Sooner Method, whether you buy from a major retailer or your favorite local bookstore. Listen and subscribe to the Money Matters Podcast with Wes Moss and Jeff Lloyd for more educational conversations about retirement planning, investing, Social Security, AI, stock market trends, and personal finance.

5 Questions BEFORE You Claim Social Security & College vs. Retirement Savings Should you claim Social Security early or wait? While the math says waiting guarantees a bigger check, the real answer goes far beyond the numbers. In this episode, Wes Moss breaks down how to determine the right Social Security claiming age for your specific lifestyle, health, and portfolio. Also, Wes shares ideas to help you balance saving for your kid's college without ruining your own retirement. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 4, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Mentioned on the show: When Is the Best Time To Collect Social Security? - Clark Howard The Math On When You Break Even With Social Security If You Have Enough To Retire Comfortably, Should You? How To Balance College Savings and Retirement - Clark Howard  Clark Howard: Avoid This Costly College Debt Mistake Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Big market swings, artificial intelligence, and the Federal Reserve are dominating the conversation—but what do they really mean? Join Wes Moss and Connor Miller on the Money Matters Podcast as they separate attention-grabbing headlines from the broader trends that may be shaping investing, retirement planning, and the economy. • See why a large tech company's historic $500 billion single-day market move may not be the whole investing story. • Discover how algorithmic trading may help fuel market volatility and why it often differs from long-term investing. • Rethink the difference between stock prices and the value of the businesses behind them. • Explore new research on how artificial intelligence may be changing hiring, management, and workplace productivity. • Follow the latest Federal Reserve decision and the economic conversation surrounding interest rates. • Consider the "play the ball, not the referee" mindset when evaluating markets and economic news. • Follow encouraging progress in Alzheimer's research and discuss potentially positive hiring trends from companies investing in innovation. Listen and subscribe to the Money Matters Podcast with Wes Moss and Connor Miller for engaging and educational conversations about retirement planning, investing, AI, personal finance, and today's economy.

Retirement planning isn't just about the numbers—it's also about trying to create a life you'll enjoy living. Join Wes Moss and Christa DiBiase on this episode of the Retire Sooner Podcast as they tackle listener questions, share fresh retirement planning perspectives, and explore the habits that may help shape a more fulfilling future, including sleep! • Discover The Retire Sooner Method, including the Money & Happiness Green Zones, the Retirement Superpower, and the role Core Pursuits may play in retirement. • See how sleep, net worth benchmarks, liquid investable assets, income, and mortgage payoff may influence long-term retirement planning. • Hear practical discussions about long-term care, IRMAA (Income-Related Monthly Adjustment Amount), healthcare before Medicare, and managing short-term cash. • Compare the bucket strategy, retirement account consolidation, fixed annuities, and structured notes while weighing flexibility, liquidity, and risk. Listen and subscribe to the Retire Sooner Podcast with Wes Moss and Christa DiBiase for engaging and educational conversations about retirement planning, retirement investing, retirement income, and financial independence. Learn more about your ad choices. Visit megaphone.fm/adchoices

What Are The Money Green Zones? & The Happy Retiree Super Power Are you flying blind when it comes to your retirement savings? Forget the terrifying headlines telling you that you need tens of millions of dollars to retire—that kind of advice often does more damage than good by making your goals feel completely out of reach. In this episode, Wes Moss breaks down brand-new research on what everyday Americans actually have saved and introduces three attainable, concrete "Money Green Zones" where happiness levels and financial autonomy jump dramatically. Plus, Wes reveals the ultimate superpower of happy retirees that has nothing to do with your bank account, and everything to do with your well-being. Mentioned on the show: Betterment Review: How It Works, Pros & Cons - Clark Howard Best Investment Companies for Investors in 2026 A Key Investing Lesson to Remember Right Now Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 28, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

Retirement planning doesn't happen in a vacuum, and artificial intelligence (AI) is becoming an important part of today's conversation. Join Wes Moss and Connor Miller on this episode of the Money Matters Podcast as they connect the dots between retirement savings, inflation, AI investing, and the economic trends that may help influence the years ahead. • Compare new retirement savings research with what Americans think they'll need and how today's savings levels measure up. • See why credit card debt, investing habits, and portfolio allocation continue to make headlines in retirement planning. • Explore the 4% rule of thumb, retirement income planning, and why risk tolerance may matter when building a long-term strategy. • Follow how artificial intelligence is driving significant investment and how those trends may influence inflation and the broader economy. • Consider what productivity gains, market changes, and diversified investing may mean for long-term investors. Listen and subscribe to the Money Matters Podcast with Wes Moss and Connor Miller for engaging conversations about retirement planning, retirement investing, personal finance, inflation, artificial intelligence, and today's economy.

What Is the Retire Sooner Method? & Can You Retire Without Touching the Principal? How do you retire sooner, increase your happiness, and ensure you never run out of money? In this episode, Wes Moss breaks down the Retire Sooner Method—your ultimate retirement happiness GPS. Just like navigating an unfamiliar city, navigating retirement without a map guarantees you'll get lost. Wes shares the 5 essential steps to build a guided blueprint, maximize your financial freedom, and dramatically reduce money anxiety. Later in the episode, Wes tackles a major fear shared by almost every new retiree: touching the principal. Through a real-life client story, he explains how to bridge your income gap using dividend yields and the famous "4% Rule" so you can protect your hard-earned nest egg and retire with peace of mind. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 21, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

The 200-Hour Friendship Rule & Are Financial Advisors Worth It? Making friends as an adult is harder than ever – but just how much time does it actually take to build a close friendship? In this episode, Wes Moss discusses the growing friendship gap in America and the surprising research behind forming meaningful connections. A study from the University of Kansas found that becoming a close friend takes far more intentional time than most people realize. Wes explains why friendships become more difficult to maintain as we age and what you can do to build and preserve strong relationships throughout life. Plus, are financial advisors really worth the cost? With about half of pre-retirees working with an advisor and half managing on their own, Wes breaks down who can benefit from professional financial guidance—and who may not need it. From investing and tax planning to estate and family considerations, learn when financial advice can add real value. Mentioned on the show:  Early Mortgage Payoff Calculator - Clark Howard  Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 14, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

In this special episode of the Retire Sooner Podcast, Wes Moss shares the story behind The Retire Sooner Method and explores the research on the financial and lifestyle habits associated with greater retirement satisfaction. • Discover five habits that research has associated with greater retirement satisfaction. • See how saving a little time today may create more flexibility in retirement. • Hear the story behind the "Happiest Retiree on the Block" and The Retire Sooner Method. • Explore how purpose, core pursuits, close friendships, and a written financial plan may support retirement well-being. • Learn how the Money Red, Yellow, and Green Zones may relate to financial confidence. • Consider how healthy routines, meaningful activities, and quality sleep have been associated with overall well-being. • Access the research, charts, and resources behind The Retire Sooner Method at retiresoonermethod.com. Whether retirement is years away or already here, this episode offers research-based perspectives on retirement planning and financial well-being. Listen, subscribe, and join the conversation on the Retire Sooner Podcast for more educational discussions about investing, retirement, and living a life of purpose. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Wes tackles the psychological hurdle that many high-achievers face when they finally reach the "Retirement Green Zone." After decades of using hard work, discipline, and ambition to build a nest egg, it can be incredibly difficult to simply turn that drive off. Wes discusses the "ambition guilt" that many retirees feel when they pursue creative hobbies or passions that don't generate a paycheck. Rather than viewing this transition as "lowering" your ambition, Wes argues that the key to a happy retirement is rechanneling that legendary work ethic into areas that feed your soul instead of your bank account. Also, we're in a confusing state of the 2026 economy, where record-breaking corporate data seems at odds with the reality on the ground. While U.S. company profits soared by 26% in late 2025 and nominal GDP has grown significantly since 2019, many consumers are still feeling the weight of high prices. Wes explains how we are living in a "K-shaped" economy and breaks down what these disparities mean for your wallet and how to navigate an environment where productivity is higher than ever, but the benefits aren't being shared equally. Mentioned on the show: How I Became Less Ambitious—and Happier—in Retirement Pension vs Lump Sum Calculator - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on this July 7th Best Of Wes - Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

Is the bucket investing strategy the best way to plan for retirement? In this episode, Wes Moss breaks down the powerful visual behind bucket investing and explains why organizing your money into cash, income, growth, and alternative income buckets can simplify retirement planning. He also shares the biggest drawbacks investors should understand before adopting the strategy. Also, Wes tackles a growing trend: professionals looking for more flexibility, purpose, and balance through a second career. He outlines the key questions to ask before making a career switch and explains why financial advising is emerging as one of the most in-demand professions in America. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 30, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

Wall Street, Washington, and Silicon Valley are all making headlines—and Wes Moss and Jeff Lloyd break down the stories shaping today's financial landscape on this episode of the Money Matters Podcast. Join the conversation as they explore the stock market, inflation, artificial intelligence, IPOs, and retirement planning through an educational lens. • Explore the market swings that have helped define 2026 thus far, and the economic forces often associated with driving the volatility. • Follow the latest on inflation, oil prices, the Federal Reserve, and potential interest rate expectations. • Discover how artificial intelligence may be influencing business investment, technology costs, and economic change. • Hear Philippe Laffont's perspective on long-term investing as certain tech companies have become increasingly influential within major market indexes. • Consider the excitement surrounding potential IPOs, then enjoy Wes and Jeff's feel-good "Initial Puppy Offering" story. • Review the role broad, low-cost index funds and ETFs may play in diversified, long-term investing. • Discover highlights from Wes Moss's new book, The Retire Sooner Method, and learn how pre-ordering unlocks exclusive bonus resources. Whether you're following the markets, curious about AI, or thinking ahead to retirement, this episode brings today's biggest financial conversations together in one place. Listen to and subscribe to the Money Matters Podcast, and pre-order The Retire Sooner Method to unlock exclusive bonus content while it's still available.

Consumer advocate Clark Howard joins Wes Moss and Christa DiBiase for a special Retire Sooner Podcast episode packed with listener questions, thoughtful debate, and real-world financial scenarios. From retirement planning and investing to tax considerations and the pursuit of a more fulfilling retirement, this conversation explores a wide range of topics through the lens of everyday decisions. • Explore how technology stocks, index funds, IPOs, and diversification continue to shape the current investing landscape. • Examine retirement timing, market volatility, and the role consistent investing may play over time. • Consider mortgage, refinancing, capital gains, and tax-planning questions raised by listeners navigating major financial decisions. • Compare Target Date Funds and ETF portfolios while weighing different approaches to diversification and risk. • Evaluate the tradeoffs of selling versus renting a home before an extended move overseas. • Explore the role core pursuits, purpose, and meaningful activities may play in discussions about retirement satisfaction. • Learn about the **pre-sale of Wes Moss's new book, **The Retire Sooner Method, including available bonuses and how to reserve a copy. Whether you're thinking about your portfolio, your next chapter, or both, this episode offers plenty to consider. Listen and subscribe to the Retire Sooner Podcast for more conversations about retirement planning, investing, and the financial and lifestyle decisions that may shape life after work. Learn more about your ad choices. Visit megaphone.fm/adchoices

With technology stocks making up nearly half of the S&P 500, many index investors are asking an important question: Is this concentration a risk—or simply the natural evolution of the market? In this episode, Wes Moss and Clark Howard tackle the growing dominance of tech companies in major indexes, discuss whether traditional index investors should consider diversifying beyond tech, and explore how age and retirement timelines may influence those decisions. They tackle concerns about what happens when so much market value is concentrated in just a few companies—and whether investors nearing retirement should think differently. Mentioned on the show: Don't Let FOMO Cost You a Fortune: The Investing Mistake Many Are Making With SpaceX's IPO Plus, Wes and Clark answer several listener questions on investing, retirement, and personal finance.  All this and more on the June 23, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

Is retirement just about accumulating assets, or is it also about creating the flexibility to spend your time in ways that matter most to you? Join Wes Moss and Christa DiBiase on this episode of the Retire Sooner Podcast as they explore retirement planning, investor behavior, and the financial decisions that may influence long-term outcomes. • Discover why building wealth and preserving wealth often involve different financial considerations. • Examine how emotions, habits, and investor behavior may affect financial decision-making over time. • Explore the transition from asset accumulation to retirement income planning and risk management. • Consider listener questions on pensions, Social Security claiming decisions, longevity, and retirement income strategies. • Evaluate factors investors may weigh when considering Roth conversions and portfolio rebalancing. • Learn about the **five-step **Retire Sooner Method from Wes's new book, and the role financial and happiness "green zones" may play in retirement planning. • Understand what some may refer to as the "ultimate dividend"—the freedom and flexibility many people seek through thoughtful financial preparation. • Compare perspectives on equity-indexed annuities, bonds, fiduciary standards, and financial product considerations. • Review financial planning concepts for younger investors, including Roth IRAs, long-term saving, and preparing for future homeownership. Whether you're preparing for retirement or already navigating it, this episode examines the intersection of financial planning, investor behavior, and personal fulfillment. Listen and subscribe to the Retire Sooner Podcast, and pre-order Wes Moss's new book, The Retire Sooner Method, to learn more about the planning principles discussed in this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people think building wealth and keeping wealth require the same strategy. They don't. Wes Moss explains why getting wealthy and staying wealthy are two completely different skill sets—and why understanding the difference could have a major impact on your financial future. Wes also explores what may be the most important financial dividend of all: freedom. Financial planning isn't just about accumulating a bigger number. It's about creating autonomy, reducing the fear of running out of money, and building a life where you have more control over your time and choices. You'll learn why multiple income streams can provide both financial security and emotional comfort—and how finding your "money green zone" can help support lasting financial independence. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 16, 2026, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

The stock market's performance during the first part of 2026 is prompting fresh questions about what history may or may not suggest about the months ahead. On this episode of the Money Matters Podcast, join Wes Moss and Connor Miller as they connect the dots between market trends, diversification, inflation, and the often-overlooked ingredients of retirement happiness. • Examine how markets have historically behaved following notable early-year gains. • Explore the growing role of technology and artificial intelligence in helping to shape market leadership. • Assess concentration risk and diversification considerations across major market indexes. • Unpack the buzz surrounding a highly anticipated private-company public offering. • Consider how your goals, time horizon, and risk tolerance may influence investment decisions. • Discover why friendship and social connection may play a larger role in retirement happiness than many people realize. • Follow the latest inflation data and the categories helping to drive recent price changes. • Learn how to pre-order Wes Moss's new book, The Retire Sooner Method, and access available bonuses. Listen and subscribe to the Money Matters Podcast for context on market trends, retirement planning, and the factors that help shape financial decision-making.

What if a happier retirement has as much to do with how you spend your time as how you invest your money? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase explore the research behind retirement happiness, answer listener questions on retirement planning, and share how you can pre-order Wes's new book, The Retire Sooner Method, and unlock exclusive bonuses! • Discover why core pursuits—the activities that get you excited to start the day—are often linked to greater retirement satisfaction. • Explore the hobbies, passions, and routines most commonly found among retirees who report higher levels of happiness and fulfillment. • Review how retirement withdrawal frameworks work, including considerations around cash reserves and 4%+ distribution strategies. • Compare Equity Indexed Annuities (EIAs), dividend-focused approaches, and pension-versus-lump-sum options when evaluating retirement income choices. • Consider Roth conversions, required minimum distributions (RMDs), and other tax-planning factors that may influence long-term retirement strategies. • Evaluate the opportunities and risks that may come with concentrated RSU and company stock positions. • Understand how FDIC insurance works and what to know about coverage for savings accounts and CD ladders. Whether you're years from retirement or already there, this episode blends retirement happiness research with practical financial planning conversations. Listen to the Retire Sooner Podcast and subscribe for more discussions about retirement, investing, personal finance, and building a life you look forward to living. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you on track for a happy retirement? It takes more than just a healthy bank account. In this episode, Wes Moss shares the lifestyle data that separates truly happy retirees from the rest. It all comes down to a "magic number" of core pursuits – the super-activities that keep you moving, socializing, and fulfilled. Then, he dives into the financial side, breaking down the psychological power of dividend investing and how it can bring calm to your retirement portfolio. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 9, 2026, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

Should You Help Your Adult Kids Buy a House? & 5 Things You SHOULD Spend More On Is helping your adult children buy a home a smart investment, or a threat to your retirement? In this episode, Wes Moss breaks down the harsh realities of today's housing market. With the median age of first-time homebuyers skyrocketing past 40 due to high prices and interest rates, more parents than ever are wondering if they should step in with down payment assistance. Wes shares the specific dollar amounts where helping your kids starts to negatively impact your happiness and retirement security, and why shifting your mindset from "spending" to "investing" changes the game. Also, Wes shares the story of "Around-the-World Robin" to illustrate why we often feel financial guilt even when we are totally on track – and outlines the five things you should actually consider spending MORE money on to maximize your happiness. Mentioned on the show: ROTH CONVERSION DECISION TREE Plus, Mallory shares your #AskWes questions and Wes gives his take. All this and more on the June 2, 2026, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

Forced To Retire Early? The Shocking Data Everyone Needs To Know & Market Warning for Investors Why do most Americans retire years earlier than they planned? In this episode, Wes Moss breaks down a startling trend from recent 2026 retirement studies. While most workers plan to clock out around age 65 or 66, the data shows the average actual retirement age is 61 or 62. Wes explores the three major reasons behind this gap – and shares the exact planning strategy you need to protect your financial future. Also, Wes dives into recent market volatility. While the market managed a shockingly fast 12-day recovery, Wes issues a crucial warning: this speed is the exception, not the rule. Learn the historical reality of market corrections so you don't get lulled into a false sense of security. Plus, Mallory shares your #AskWes questions and Wes gives his take. All this and more on the May 26, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

10 Essential Duties of a Real Fiduciary Financial Advisor (It's Not Just Investing) If you think a financial advisor's only job is to pick stocks, you're missing out on the most valuable services a true fiduciary provides. In this episode, Wes Moss breaks down the ten essential roles a fee-only advisor should play. Whether you are engineering a retirement cash flow or navigating the emotional rollercoaster of market volatility, learn why a real fiduciary is your "personal CFO" for every major life decision, not just your investment portfolio.Mentioned on the show: What Is a Fiduciary Financial Advisor and Do I Need One? Best Financial Advisors in 2026 - Clark Howard How To Find and Choose a Financial Advisor - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 19, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

Clark Howard & Wes Moss: Your Top Money Questions Answered! In this special episode, Clark Howard and Wes Moss join forces to answer real-world money questions from people just like you. No jargon, no fluff – just actionable advice to help you reach your goals faster. Mentioned on the show: Roth 401k Calculator - Clark Howard Roth vs. Traditional 401(k): What's the Difference? - Clark Howard Why Clark Howard Is Obsessed With Roth for Retirement Savings Backdoor Roth IRA: How High Earners Can Still Contribute All this and more on the May 12, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  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. Visit megaphone.fm/adchoices

What Will Our College Grads Do for Work? & Is the U.S. Dollar Dying? In this episode, Wes Moss debunks two of the biggest myths in the economy right now. First, Wes looks at the actual data behind youth unemployment. Despite the rise of AI, the numbers for college grads aged 22–27 remain remarkably stable. Wes explains why the labor market is far more dynamic than the "net new jobs" headlines suggest – and why there is plenty of reason for parents to be optimistic about their children's careers. Also, Wes addresses the "Death of the Dollar." From global trade invoices to commodity pricing, Wes breaks down why the U.S. Dollar remains the undisputed heavyweight of the global economy, despite the constant "De-dollarization" doom-talk in the news. Mentioned on the show: YCharts - Financial Research and Proposal Platform Review and Rebalance Your Portfolio With X-Ray's New Holdings Breakdown Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 5, 2026, 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.  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. Visit megaphone.fm/adchoices

Why Retirement Confidence Is Plunging & Fiduciary vs. Financial Advisor Wes Moss breaks down a troubling shift in the American economy: the rapid decline of retirement confidence. Drawing on three decades of data from the Employee Benefit Research Institute (EBRI), Wes highlights a staggering trend where worker confidence has dropped in 2026. This pessimistic outlook is mirrored by the University of Michigan Consumer Sentiment index, which has hit an all-time historical low. Wes identifies the primary culprit. Also, Wes tackles the crucial question of who you should trust to manage your money during these uncertain times. He demystifies the industry by comparing financial advisors to peppers in a grocery store: while they may look identical on the outside, their "heat" levels vary wildly. Wes discusses why transparency is key and provides actionable advice on how to check your advisor's contract to ensure your investments are working for you, not for your advisor's bottom line. Mentioned on the show: WSJ - America's Most Tortured Retirement Regulation Is Struck Down (Again) How To Find and Choose a Financial Advisor Best Financial Advisors in 2026 - Clark Howard What Is a Fiduciary Financial Advisor and Do I Need One? What Is an HSA Account and How Does It Work? - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 28, 2026, 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.  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. Visit megaphone.fm/adchoices

Why Successful People Struggle With Retirement & What's Going On With the Economy? In this episode, Wes tackles the psychological hurdle that many high-achievers face when they finally reach the "Retirement Green Zone." After decades of using hard work, discipline, and ambition to build a nest egg, it can be incredibly difficult to simply turn that drive off. Wes discusses the "ambition guilt" that many retirees feel when they pursue creative hobbies or passions that don't generate a paycheck. Rather than viewing this transition as "lowering" your ambition, Wes argues that the key to a happy retirement is rechanneling that legendary work ethic into areas that feed your soul instead of your bank account. Also, it can feel like we're in a confusing state of the 2026 economy, where record-breaking corporate data seems at odds with the reality on the ground. While U.S. company profits soared by 26% in late 2025 and nominal GDP has grown significantly since 2019, many consumers are still feeling the weight of high prices. Wes explains how we are living in a "K-shaped" economy and breaks down what these disparities mean for your wallet and how to navigate an environment where productivity is higher than ever, but the benefits aren't being shared equally. Mentioned on the show: How I Became Less Ambitious—and Happier—in Retirement Pension vs Lump Sum Calculator - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 21, 2026, 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.  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. Visit megaphone.fm/adchoices

How To Find (and Afford) Your Dream Home in Retirement Deciding where to spend your retirement is one of the most significant transitions you'll ever make, but it requires a systematic approach to get it right. Whether you plan to stay in your current home or relocate to a new destination, your environment directly impacts your long-term happiness. In this episode, Wes Moss shares tips to find – and afford – your dream community in retirement. Many retirees face the "housing overlap headache," where you find your new home in five minutes, but it takes five months to sell your old one. If you don't want to carry a mortgage or trigger a "tax tsunami," Wes breaks down a strategy that can help.Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 14, 2026, 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.  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. Visit megaphone.fm/adchoices

Young Investors Are Taking Big Risks & Costly Pension Mistake Are you feeling financially behind? You aren't alone. Wes Moss reveals that a staggering 73% of Americans feel like they are losing the financial race — and why the "solution" many are turning to is actually a dangerous trap. Wes explains how to leverage your greatest asset to build real, lasting wealth through patient accumulation. Also, Wes tackles the "Pot of Gold" syndrome that haunts retirees. A study from MetLife shows that one in five Americans who receive a pension lump sum run out of that money in an average of just four years. Learn how to protect your future by turning a one-time lump sum into a permanent stream of financial freedom. Mentioned on the show: How To Turn Part of Your Nest Egg Into a Pension Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 7, 2026, 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.  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. Visit megaphone.fm/adchoices