Little-Known '3.6 Rule' for a Happy Retirement & Is the Job Market Good or Bad?

Wes Moss dives into the critical connection between social capital and financial security, revealing a surprising "magic number" from his 2025 Money and Happiness in America Study. While most people focus strictly on their 401(k), the data shows that intentionality in your social life is just as vital as intentionality in your investments. Also, Wes breaks down the latest labor data to determine if the "Goldilocks" era of employment is here to stay. With the unemployment rate ticking up to 4.6%, Wes looks past the headlines to analyze the Employment-Population Ratio, which remains strong.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 30, 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. Let us know what you think in the comments!
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