The Clark Howard Podcast 09-23-25 Ask An Advisor With Wes Moss
17 snips
Sep 23, 2025 
Wes Moss, a Certified Financial Planner and author, dives into the recent Fed rate cut and its implications for personal finances, from mortgage rates to investment strategies. He addresses Americans' biggest financial fear: running out of money in retirement, and shares actionable planning tips to combat it. Wes also discusses high-yield option-based ETFs, cautioning about their risks. Plus, he answers listener questions, offering insights on IRA withdrawals and effective investment tactics.
AI Snips
Chapters
Transcript
Episode notes
What A Fed Cut Really Does
- A Fed rate cut lowers borrowing costs a bit and can trickle to mortgage, credit card, and business rates.
- Historically when cuts happen near market highs stocks rose about 12.9% on average a year later.
Watch The 6% Mortgage Threshold
- Watch mortgage rates and housing activity as rates drift below key psychological levels like 6%.
- If mortgage 30-year average falls under six, expect more real housing market movement.
Mortgage Business Stopped At Near-8% Rates
- Wes recalled mortgage business people saying 'ain't nobody moving' when rates were near 8%.
- That conversation illustrated how high rates froze housing activity until rates fell.