Retire Sooner with Wes Moss

Make informed decisions about your retirement plans, even in a bear market. Learn whether to cancel your vacation plans due to stock market concerns and discover how to manage your investments effectively.Explore strategies like layering for early retirement and understand the implications of drawing down your TSP defined contribution plan. Examine rebalancing your taxable brokerage account, including ETFs and mutual funds, and learn the rules for rebalancing your Roth IRA.Fine-tune your Roth IRA allocation for long-term growth, considering factors like pension plans and risk tolerance. Understand investment benchmarks and how to accurately assess your portfolio's performance. Zooming out to view a longer time horizon typically provides more perspective than comparing everything to your own market high watermark.Compare maximizing your Social Security savings for short-term growth and with the benefits of optimizing based on your specific needs and stress points. Evaluate the role of home equity in your retirement planning and its impact on withdrawal strategies. Does equity count? The answer may be both yes and no.Strategize about moving funds from a 457B to a Roth IRA as you approach retirement, and carefully consider the tax implications. It’s usually about taxes today vs. taxes tomorrow.Tune in to the Retire Sooner podcast with Wes Moss and Christa DiBiase for essential insights on these and other crucial retirement topics and send us your questions at https://www.yourwealth.com/contact/schedule-appointment/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Explore the latest developments in the tariff tumult, including how a lack of clarity may have led to both market meltdowns and a melt-ups: a rollercoaster of highs and lows. Learn the key takeaways from a complicated situation and discover how to potentially navigate your path to financial independence in retirement.Headlines are temporary, but your financial plan shouldn't be. Analyze the essential balance of diverse portfolios and dry powder. Accept that investing comes with the risk of down days, but realize the damage caused by missing the market rebounds.Listen to Wes and Christa answer listener questions. Is it best to eradicate debt before retirement, even if that means tapping into reserve funds? Is a HELOC ever an effective strategy? Should you take Social Security early if given the opportunity, or maximize the impact by waiting?Examine the Mappiness Project, where a team of data scientists from the London School of Economics used an iPhone application to measure happiness, anxiety, and emotions tied to geolocation. Find out what helps human beings cut through the superficial into deeper contentment, and where they tend to be when accomplishing that goal. Wes probes his interview with former Google data scientist Seth Stephens-Davidowitz to illuminate the unvarnished truth and surprising conclusions.All this and a savvy Warren Buffett quote about haircuts on today’s episode of the Retire Sooner Podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

Max out your financial insight with real-world retirement strategies and listener Q&A. Learn how to respond to shifting interest rates and weigh the pros and cons of working part-time during retirement. Explore ways to manage Required Minimum Distributions (RMDs), understand Social Security’s 35-year formula, and decide when to tap into pensions.Get strategic about funding early retirement for your parents with trusts,tax-smart giving, and family financial planning—plus, a warning on why jointaccounts sometimes backfire. Hear insightful thoughts on dollar-cost averagingfrequency and why investing when you have cash may often beat spreading it out.Unpack the tension between inflation and early retirement, and why transparencycan be essential when families share financial responsibilities.Discover why market turbulence doesn’t have to shake your strategy. Hear how GeorgeClooney’s character in O Brother, Where Art Thou? becomes ametaphor for staying the course—a reminder to tune out noise and resist lettinguncertainty derail your retirement journey.Submit your question at RETIRESOONER QUESTIONS and catch this episode of The Retire Sooner Podcast, hosted by Wes Moss and Christa DiBiase. Learn more about your ad choices. Visit megaphone.fm/adchoices

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 participation a more strategic goal? Whether you're years away from retirement or already there, this episode is packed with actionable advice to help you max out without running out. Tune in now as Wes Moss and Christa DiBiase break it all down! Learn more about your ad choices. Visit megaphone.fm/adchoices

Financial expert Christa DiBiase, known for her work with Clark Howard, joins Wes Moss to unveil strategies for enhancing retirement savings. They discuss how a mindset shift can boost savings by up to 14%. The conversation dives into the evolution of risk tolerance and investment structuring, including debates over Roth versus traditional accounts. DiBiase shares insights on dividends, cybersecurity for retirement funds, and clever legal strategies for income gaps before Social Security. It's a treasure trove for anyone looking to supercharge their financial future!

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 retirement plan without worrying about tax implications.Enjoy all this and more as Wes Moss and Christa DiBiase take listener calls, help ease tariff fears, and marvel at the power of the American Army of Productivity. Learn more about your ad choices. Visit megaphone.fm/adchoices

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 real-life retirement planning scenarios, Wes and Christa chart a roadmap that seeks financial independence. Don't just dream of retiring early—take control of your retirement future, and start with this episode! Learn more about your ad choices. Visit megaphone.fm/adchoices

Christa DiBiase, a financial expert known for her work with Clark Howard, shares crucial insights on retirement planning. She discusses the five key financial habits of the happiest retirees, emphasizing the benefits of multiple income streams and early mortgage payoff. Christa highlights how rational optimism can empower investors and explains the 4% Plus Rule. The conversation also uncovers lifestyle habits that enhance retirement satisfaction, including hobbies, social connections, and travel. Additionally, listener questions cover TSP rollovers and tax-efficient investing tips.

Christa DiBias, a financial expert with experience alongside Clark Howard, dives into the crucial question of retirement savings. She simplifies the math with the 'Fill the Gap' method to determine how much you really need. They discuss choosing between lump sum buyouts and pensions and compare real estate versus dividend-yielding ETFs for steady income. Christa also addresses the impact of sensationalist financial media, advocating for a steady approach to retirement planning over reacting to alarming headlines.

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 than speculate, slash expenses, and don’t let perfectionism ruin a solid financial plan. By taking action and investing with purpose, you may be able to retire sooner than you think. Learn more about your ad choices. Visit megaphone.fm/adchoices