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PODCAST

Retire Sooner with Wes Moss

Wes Moss is on a mission: help at least 1 million Americans of any age retire sooner and find joy along the way. A seasoned finance professional, best-selling author, broadcaster, and teacher, Wes has done extensive research on the habits of the happiest retirees. On this podcast, Wes shares key lifestyle and money habits you can implement now to prepare for a secure future while not depriving yourself of happiness in the present. In addition to leveraging his 20+ years of knowledge as an investment

business investing

All Episodes

40:51

Maximize Your Retirement: 4% vs. 5% Withdrawal Rate,...

Retire Sooner with Wes Moss ·

2025/04/03

Take control of your financial future. Learn how to determine the withdrawal rate for your retirement. Should you stick to the classic 4% rule, or is a 5% withdrawal rate possible? Hear why flexibility is key and how different spending approaches can impact your long-term security. Discover the impact of inflation, the pursuit of optimizing Social Security, and how a surprisingly small number of stocks make up about 50% of the S&P 500’s total value. Is it possible to time the market, or is

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37:06

Supercharge Your Retirement Savings and Outsmart Risk...

Retire Sooner with Wes Moss ·

2025/03/27

Unlock secrets to increase the probability of saving more for retirement, managing risk, and making more efficient financial moves. Learn how a simple mindset shift could potentially lead to a 14% increase in savings, why your risk tolerance evolves over time, and how to structure your investments for a more secure future. Explore strategies for dry powder reserves, Roth vs. traditional 403(b) contributions, and pension buyout decisions. Get helpful insights on dividend stocks, cybersecurity for

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44:28

American Army of Productivity: How to Overcome Tariff...

Retire Sooner with Wes Moss ·

2025/03/20

Learn how to optimize your retirement planning by utilizing essential financial tools. Discover strategies for leveraging a COLA-adjusted pension, navigating 403(b) withdrawals while contributing to a Roth IRA, and minimizing taxes. Explore rolling I bonds into a 529 plan without triggering taxable events.Analyze switching funds while managing a 401(k) or how Fidelity’s BrokerageLink might provide low-fee options without incurring taxes or penalties. Understand how to make the most of your

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35:58

Retire Sooner, Retire Smarter: 6 Costly Mistakes to...

Retire Sooner with Wes Moss ·

2025/03/13

Dive into the six biggest mistakes early retirees often make—and how to avoid them. Are you financially prepared to retire sooner than 67? See why a phased retirement strategy can be a game-changer, learn how to secure multiple streams of income, and examine why location matters when it comes to staying close to family. Tackle the real cost of healthcare, the Social Security timing trap, and the risks of over-supporting adult children at the expense of your own future. Packed with insights and

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39:13

10 Habits of the Happiest Retirees: Smart Money Moves...

Retire Sooner with Wes Moss ·

2025/03/06

Break down the five financial habits of the happiest retirees—including how much money you really need, the power of multiple income streams, and why paying off your mortgage faster might boost happiness. Learn how rational optimism can fuel effective investing and how the 4% Plus Rule of thumb can typically keep you from running out of money. Then, discover the five lifestyle habits that make retirement fulfilling, from core pursuits (hobbies on steroids!) to the importance of independent kids,

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37:51

How Much Do You Need To Retire? Break It Down And...

Retire Sooner with Wes Moss ·

2025/02/27

Tackle the million-dollar retirement question: How much is enough? Use Wes’s "Fill the Gap" (FTG) method to simplify retirement math—subtract guaranteed income like Social Security from your monthly spending goal and multiply the shortfall by 25 to calculate target savings. Explore other early retirement strategies, including the debate about lump sum buyouts vs. pensions, and weigh real estate against dividend-yielding ETFs for passive income. Finally, join Wes and Christa for a candid discussion

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39:12

Millionaire Mindset Unlocked: Hard Work, Thoughtful...

Retire Sooner with Wes Moss ·

2025/02/20

Probe America’s "mini-millionaires"—how they earn, invest, and build wealth through hard work, not luck. Dive into the potential for owning stocks and buying a home with a focus on financial independence, not flash.Wes and Christa take listener questions to tackle substantial inheritance management, debate bonds vs. money markets for long-term gains, examine Robo-advisors hoarding cash, and the idea of doubling down on security to thwart hackers. Wes wraps with John Bogle’s playbook: invest rather

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39:36

Lump Sum Or Pension? Crack the 6% Code + Market Highs...

Retire Sooner with Wes Moss ·

2025/02/13

Should you take a lump sum or pension payout? Use the 6% Test to help you decide. With markets hitting record highs, is it the right time to invest, or should you wait? History suggests some clues that retirement planning should not be left to chance. Wes Moss and Christa DiBiase provide crucial context by answering listener questions about 401(k) target date funds, beta vs. volatility, selling a business for retirement, mega backdoor Roth IRAs, and inherited IRAs.Learn more about your ad choices

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45:00

5 Powerful Portfolio Diversification Strategies to...

Retire Sooner with Wes Moss ·

2025/02/06

Discover 5 powerful portfolio diversification strategies to help reduce market anxiety and boost financial security. Learn how these strategies can apply to kids, retirees, and folks in between, with actionable ways to set up a custodial Roth IRA for young entrepreneurs, maximize retirement savings, and choose an investment approach that fits your needs.Find out why kids earning money from small businesses, like selling roadside squash, could qualify for a Roth IRA. Avoid common mistakes like

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40:20

It's Never Too Late To Start Saving For Retirement + Q&A

Retire Sooner with Wes Moss ·

2025/01/30

New changes in Social Security policies, particularly the elimination of the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), may have significant implications for roughly 3 million Americans. Teachers, nurses, firefighters, police officers, and other public-sector workers who previously saw their Social Security benefits slashed may now receive the full benefits they’ve earned. This shift is reshaping retirement planning for many Americans, making it more critical than

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35:11

More Foundational Principles For A Happy Retirement +...

Retire Sooner with Wes Moss ·

2025/01/23

Unpack the keys to investing for a happy retirement by highlighting foundational principles like prioritizing stocks to combat inflation and the strategic use of diversified "dry powder" assets for stability. Tackle listener questions, exploring international investments, mortgage payoff strategies, long-term healthcare costs, and tax-efficient withdrawals. On today’s episode, Wes is joined again by Christa DiBiase, the COO of Clark Howard, Inc.Wes zooms in on the need for patience and persistence

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48:10

10 Market Challenges For Investors To Watch In 2025

Retire Sooner with Wes Moss ·

2025/01/16

On today’s episode, Wes looks at 2024’s obstacles to see what might serve as clues for success in 2025. The resilient U.S. economy closed 2024 with a 25% S&P 500 gain, defying inflation fears, international turmoil, and political upheaval. While consumer spending remains a vital economic driver, boosted by low unemployment and rising wages, renewed productivity fueled by AI and innovation could spark another boom.With the current bull market still young and some earnings forecasts showing a robust

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35:55

5 Keys To Be a Successful Investor and Listener Q&A

Retire Sooner with Wes Moss ·

2025/01/09

On today's episode of the Retire Sooner Podcast, we dive into the essential pillars for seeking to achieve financial freedom and a fulfilling retirement. Wes outlines five key strategies that may contribute to long-term success: prioritizing stocks, embracing massive diversification, practicing patience and longevity, navigating today's investing challenges, and creating a robust financial plan.Wes is also joined by Christa DiBiase, COO of Clark Howard, Inc., to answer questions from across the

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38:52

FOMO Free Investing

Retire Sooner with Wes Moss ·

2024/12/12

We’ve all met that one guy who pontificates endlessly about the “fantastic” investments he’s made that year. He always seems drawn to the hottest and latest trends. You don’t fully believe him, but it still makes you feel a bit of dread at the thought of being left behind.On this episode of the Retire Sooner Podcast, Producer Mallory joins Wes in the studio to explain why a fear of missing out on the FOMO Freddies of the world is typically not worth the energy. Though his bluster may temporarily

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63:02

Riding The Age Wave with Maddy Dychtwald

Retire Sooner with Wes Moss ·

2024/12/05

Most people have a vague idea of what it takes to stay healthy as we age—some combination of cutting out the delicious, irresponsible activities while adding in more nutritious, boring ones. While it never seemed overly complicated, it also didn’t sound very fun. Today’s guest flipped that script. According to Maddy Dychtwald, a healthy mindset can lower stress, which can actually make it easier and more enjoyable to exercise and socialize. In other words, you don’t have to white knuckle the tedious

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33:03

What Makes A Good Life?

Retire Sooner with Wes Moss ·

2024/11/21

Everyone wants a good life, but what does that mean, and how can you make it happen? On today’s show, Wes combines analysis from a neuroscientist, a bank CEO, and two very different retirees to find the overlapping characteristics of each.According to Dr. Wendy Suzuki, professor of Neural Science and Psychology at New York University, the unifying theme is some sort of fulfillment. In a discussion with Annabel Spring, CEO of HSBC Global Private Banking and Wealth, the two explored how 11,000

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64:05

How To Squeeze The Most Juice Out Of Retirement With...

Retire Sooner with Wes Moss ·

2024/11/14

I was recently at my son’s football games when one of the other dads walked over. He looked about 45 and said he was starting to think about the future. It’s a typical age for that concern to creep in, especially once a person feels financially secure. Now that you can take your foot off the gas a little bit, where should you steer the vehicle?Dr. Riley Moynes is a doctor of figuring out what to do next. Specifically, he has a PhD in Education, but his journey extends beyond academics. In addition

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35:18

Retire Without Regrets: A Harvard Business Review...

Retire Sooner with Wes Moss ·

2024/11/07

Our Retire Sooner Team has been researching, studying, and writing about happy retirements for years, so there aren’t many aspects we haven’t considered. But every once in a while, a new study grabs our attention. The latest, Retire Without Regrets, from the Harvard Business Review, used a longitudinal study to examine the gap between retirement expectations and real-world applications.Using life-mapping exercises to compare expectations with actual experiences, it identified four essential

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39:29

Revolutionize Your Retirement with Dr. Dorian Mintzer

Retire Sooner with Wes Moss ·

2024/10/31

The transition from one goal to another is often more challenging than either of the goals themselves. Once you get going, momentum can do a lot of the work, but turning the ship around or veering in a different direction takes planning, effort, discipline, and patience.If that sounds daunting, don’t worry. Today’s guest can help. Dr. Dorian Mintzer specializes in life transitions, helping both individuals and couples prepare for fulfilling retirements by exploring the non-financial aspects. She

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36:09

5 Reasons I'm Bullish On The United States

Retire Sooner with Wes Moss ·

2024/10/24

Only 36% of voters still believe the American Dream is attainable, according to a 2023 Wall Street Journal/NORC survey. This figure is decidedly lower than other pollster findings in similar surveys. Those revealed that 48% of voters in 2016 and 53% in 2012 felt reasonably assured of their opportunities for a prosperous future.In other words, more than half of Americans felt optimistic in 2012, and only slightly more than one-third do now. Americans are consistently barraged with negative

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289 results

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