From “Set” to “Settled”: Finding Confidence and Calm in Your Financial Life | Retire Sooner Podcast

Join Wes Moss and Christa DiBiase on the Retire Sooner Podcast, where real-life financial questions meet clear, grounded discussions about retirement planning, investing, and financial wellbeing. This episode explores practical ways individuals can make informed decisions, manage uncertainty, and approach retirement with more clarity and confidence.

• Review how the current bull market compares to past market cycles and what history may suggest about long-term investment behavior.

• Reflect on the difference between being financially “set” and emotionally “settled” when preparing for retirement.

• Evaluate potential considerations when choosing to pay down a mortgage or allocate extra cash toward long-term financial goals.

• Understand how 401(k) providers record traditional and Roth contributions and maintain accurate tax reporting for participants.

• Compare UGMA/UTMA custodial accounts and 529 plans as common education savings options, each with unique features and limitations.

• Recognize that effective financial planning includes lifestyle, estate, tax, withdrawal, and healthcare considerations—not just investment management.

• Discuss common causes of retirement-related anxiety and explore approaches that can help promote greater financial peace of mind.

• Clarify how management fees appear in fund performance and why transparency matters when reviewing investment options.

• Comprehend the pros and cons of financial planners who communicate clearly, align with your comfort level, and structure their services to support your individual needs.

• Consider how consistent investing through dollar cost averaging has sometimes reduced emotional reactions to short-term market volatility.

Listen and subscribe to the Retire Sooner Podcast for thoughtful conversations about retirement planning, financial confidence, and long-term investing strategies that can help you navigate your own financial journey with purpose.

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