The Clark Howard Podcast 09.02.25 Ask An Advisor With Wes Moss
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Sep 2, 2025 
Wes Moss, a fiduciary financial advisor, shares insights on the significance of dividend growth and the potential resurgence of American manufacturing. He argues that dividends have outperformed bonds over the decades, showcasing their power in investment strategies. Wes also envisions the Midwest as the next hub for innovation, inspired by lessons from the past. Listener questions spark discussions on managing retirement savings, Roth accounts, and strategies to ensure financial stability in the future. A thought-provoking dive into economics and personal finance awaits!
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Dividend Income Can Compound Massively
- Dividends from the S&P 500 grew dramatically from 1980 to 2025, turning a $10,000 stake into large annual cash flows even without reinvesting.
- Dividend income rose ~1,200% while bond interest fell about 40%, showing income can compound via corporate payouts over decades.
Total Return Widely Favors Stocks Long-Term
- Long-term total return shows stocks massively outperform bonds over decades when dividends are reinvested.
- Wes cites S&P 500 turning $10,000 into ~ $1.8M versus bonds ~18x, highlighting equities' long-run dominance.
Use Bonds To Stay Invested In Stocks
- Don't dismiss bonds entirely; use them as stability and dry powder to tolerate stock volatility.
- Allocate bonds for emotional resilience and to let you stay invested in stocks longer when markets drop.