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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Curious how today’s costs, inflation trends, and shifting expectations are shaping the American Dream? Join Wes Moss and Christa DiBiase on the Retire Sooner Podcast as they provide context on financial headlines, explore common planning questions, and share research-informed insights for your retirement journey.

• Explore the discussion around what it may take to reach the American Dream and whether a $5 million lifetime target is a realistic benchmark.

• Review how inflation has historically influenced the stock market and why the concept of a “Goldilocks zone” may be relevant for long-term investors.

• Compare how inflation can affect different categories of stocks, including dividend-paying and growth-oriented companies.

• Discuss what pursuing a CFP designation or considering a late-stage career shift into financial planning might involve.

• Consider how high-yield bond ETFs are typically viewed in the marketplace and why “junk bonds” continue to spark debate among investors.

• Examine different ways couples might think about retirement savings benchmarks—whether by age-based charts or total household goals.

• Illustrate the role of compound growth in both saving and investing when working toward retirement readiness.

• Highlight factors to weigh when assessing whether to maintain or drop life insurance as retirement approaches, including debt, dependents, and overall assets.

• Outline new Secure 2.0 provisions that allow certain 529 plan funds to be redirected to Roth IRAs for children.

• Showcase how automation and behavioral systems can encourage consistent savings habits across different income levels and career stages.

Every financial situation is unique, but gaining context can help make more informed choices. Listen now and subscribe to the Retire Sooner Podcast for ongoing conversations that keep you engaged with today’s retirement and financial planning landscape.

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Explore practical retirement planning strategies and gain clarity on key financial decisions in this engaging episode of the Retire Sooner Podcast. Wes Moss and Christa DiBiase discuss common questions and considerations for savers and soon-to-be retirees, providing perspectives on investment options and long-term planning frameworks.

• Discover how a focused 30-minute financial conversation between spouses about income, assets, and liabilities can reduce uncertainty and help families feel more organized and informed in their money matters.

• Understand why nearly half of Americans do not have a written financial plan and what this may indicate for retirement preparedness.

• Clarify retirement account protections within TSPs, along with rules for required minimum distributions (RMDs) and available investment options after age 73.

• Examine UTMA and UGMA accounts for minors, including potential tax implications, gifting considerations, and impact on financial aid eligibility.

• Consider when a financial planner may be appropriate, approaches to managing planning-related FOMO, and the features of advisory services offered by various firms.

• Explore the 0.01% Rule of thumb and how it may guide thinking about saving versus spending without implying specific outcomes.

• Review historically effective withdrawal rates, including whether a paid-off home could influence planning assumptions and evolving perspectives on the 4% rule of thumb.

• Assess strategies such as “buy, borrow, die”, including potential tax considerations, leverage, and portfolio risk factors.

• Compare keeping assets in a TSP for Roth conversions versus transferring them to another custodian, considering fees and investment options.

Gain perspective and knowledge to help support thoughtful retirement planning decisions—listen now to the Retire Sooner Podcast.

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Gain a clear perspective on retirement planning in this episode of the Retire Sooner Podcast, hosted by Wes Moss and Christa DiBiase, where listener questions meet the latest financial planning insights. Discover practical considerations that can help inform decisions about your long-term financial strategy.

• Examine how the Federal Reserve’s interest rate cut may influence mortgages, loans, and stock market activity.

• Understand why homeowners may appear “locked in” to current mortgage rates and explore potential shifts in housing trends.

• Explore how the Fed balances inflation with employment data and what this could mean for your financial outlook.

• Review historical stock market outcomes following Fed rate cuts near all-time highs.

• Consider strategies for small business growth, including business checking accounts and high-yield options.

• Compare dividend reinvestment with manual reallocation to assess approaches for your retirement phase.

• Navigate backdoor Roth IRA contributions, conversions, gains, and tax-efficient dollar-cost averaging.

• Address common retirement questions and explore planning steps that may provide financial clarity.

• Benchmark savings against national averages and examine actionable retirement milestones.

• Utilize spousal IRAs to maintain contributions while transitioning toward retirement.

• Understand 72(t) IRA withdrawals and evaluate flexibility for early retirement considerations.

• Assess ultra-high-yield ETFs and review the potential risks of concentrated portfolios.

Listen and subscribe to the Retire Sooner Podcast to stay informed and explore considerations that can support your financial planning and retirement goals.

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Gain clarity on investing and retirement planning with this engaging episode of the Retire Sooner Podcast, hosted by Wes Moss and Christa DiBiase. Whether you’re navigating strong markets or uncertainty, this conversation provides frameworks and explanations to help support your retirement planning.

• Unpack five pillars of investing that may guide decision-making across both strong and volatile markets.

• Clarify how capital gains tax rates work, including how some investors may stay in the 0% long-term bracket under current tax law.

• Address listener questions on diversification, from S&P 500 funds to total market and international fund considerations.

• Examine how required minimum distributions (RMDs) may fit into retirement withdrawals alongside concepts such as the 4% rule.

• Break down cost basis options with Vanguard and explain how tax-loss and tax-gain harvesting may impact your returns.

• Highlight the new, increased senior tax deduction window (2025–2028) and what it could mean for retirees.

• Consider strategies for investing short- and intermediate-term savings for kids and teens by aligning time horizon with risk.

• Evaluate why choosing a reputable investment custodian may matter and what questions can be asked about where assets are held.

Stay informed and proactive—listen now and seek to expand your understanding of investing and tax planning. Subscribe to the Retire Sooner Podcast for weekly conversations designed to keep you engaged with today’s financial landscape.

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Curious how to manage your 401(k), Social Security, and retirement withdrawals in today’s market? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase break down practical strategies for navigating retirement planning, taxes, and investment decisions so you can make informed choices for your financial future.

• Examine why a strong stock market may not reflect the real economy and what seems to be influencing current market movements.

• Break down company stock in 401(k)s and explore how net unrealized appreciation (NUA) can affect tax planning.

• Explore listener examples of balancing Social Security benefits and retirement account withdrawals to create a thoughtful income plan.

• Review early retirement rules, including 457 plans, 72(t) distributions, and the rule of 55, and how they often impact access to funds.

• Analyze estate planning mistakes, even among high-profile cases, to understand potential pitfalls and planning considerations.

• Compare brokerage accounts, investment research tools, and target-date funds to evaluate what may fit your individual situation.

• Evaluate the trade-offs between mortgage payoff strategies and staying invested when interest rates fluctuate.

• Clarify how Roth 401(k) and IRA withdrawal rules differ before age 59 ½ and what that could mean for accessing retirement funds.

Gain actionable insights and considerations to help make informed retirement planning decisions. Listen now and subscribe to the Retire Sooner Podcast to stay updated on the key factors shaping today’s financial planning and retirement strategies.

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Ready to explore new perspectives on retirement planning? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine money, markets, and financial strategies, highlighting ways thoughtful planning may help support financial confidence.

·       Review how stock dividends have historically compared with bond interest over the long term.

·       Explain total return as the combination of growth and income, and discuss how it relates to inflationand purchasing power.

·       Compare the historical performance of stocks and bonds and outline the effects of compounding over decades.

·       Consider the role of bonds in a portfolio, particularly for those seeking stability and diversification.

·       Address listener questions on money supply, cash reserves, risk tolerance, and the potential influence of guaranteed income sources on retirement timelines.

·       Explore options for self-employed retirement savings, including the flexibility of solo 401(k) plans.

·       Reflect on the psychological value of having a financial plan during periods of market uncertainty.

·       Highlight trends in U.S. manufacturing productivity, including the impact of AI, robotics, and Midwest innovation.

·       Discuss approaches to balancing an emergency fund with retirement contributions, and review considerations around Roth accounts.

·       Examine practical examples of retirement-related decisions, such as early home purchases, Roth IRA conversions, and considerations for taxes, Social Security, and pensions.

Gain insights into the discussions shaping retirement planning and investing today. Listen and subscribeto the Retire Sooner Podcast to explore more perspectives that can help guide your financial journey.

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Discover how money choices today can influence your financial confidence and retirement happiness in this engaging episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase. Gain perspective on retirement planning strategies, Social Security rules, tax considerations, and investing trends that could shape your financial journey.

• Examine how large IRA withdrawals—such as those used for home renovations—can affect Medicare premiums, and consider strategies to help manage taxable income.

• Break down the concept of tokenization in investing as Robinhood and the SEC highlight this trend, and think about the possibilities for fractional ownership in the future of investing.

• Weigh the trade-offs between applying rental income toward your mortgage principal versus investing it for long-term retirement flexibility.

• Clarify how Social Security survivor benefits may extend to grandchildren, what dependency rules apply, and why guardianship status alone may not be enough.

• Review why withdrawal planning and tax awareness—including the value of professional guidance—remain key components of effective financial planning for retirement.

• Learn how capital gains tax brackets work and why timing investment sales can play a role in overall tax outcomes, especially for families with changing incomes.

• Assess the role of REITs (Real Estate Investment Trusts) within a diversified investment approach and what to weigh when considering them as part of your retirement income plan.

• Explore the growing use of artificial intelligence in financial planning, from investment research to estate modeling, while keeping in mind its potential benefits and current limits.

Stay informed, stay engaged, and stay confident in your path forward. Listen and subscribe to the Retire Sooner Podcast for thoughtful conversations that support a fulfilling retirement journey.

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Get ready to rethink retirement with Wes Moss and Christa DiBiase as they examine the realities of investing, financial security, and planning for a fulfilling future. This episode of the Retire Sooner Podcast delivers actionable insights, practical frameworks, and real-world examples to inform your retirement planning decisions.

Hear a retirement story illustrating how asset allocation strategies can change over longer time horizons.

Explore how retirees might evaluate investment choices when guaranteed income streams exceed spending needs.

Question the traditional “own your age in bonds” rule and consider how personal comfort with market risk can shape retirement planning.

Understand the Federal Reserve’s influence on interest rates and what rate changes may mean for savings, housing, and the broader economy.

Examine the inverted yield curve and consider historical patterns regarding economic slowdowns.

Identify market sectors, including consumer staples and utilities, that may show relative stability during market fluctuations.

Clarify misconceptions about global stock market capitalization and assess how international diversification may fit into a retirement plan.

Review the 6% test as a framework for comparing pension lump sum options and monthly payments.

Consider wealth-building benchmarks and habits for younger savers that support gradual accumulation over time.

Explore irrevocable trusts and other legal strategies that may help manage and protect certain assets.

Listen as Wes and Christa address listener questions covering retirement planning considerations across different life stages.

Empower yourself with knowledge and thoughtful considerations for your financial future. Listen and subscribe to the Retire Sooner Podcast for weekly discussions on investing, retirement planning, and financial security 🎧

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Tired of sifting through retirement noise and myths? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase unpack practical strategies and honest conversations to help you navigate your retirement journey with confidence—wherever you may stand today.

• Question what "Is the 60/40 Dead?" means for balanced investing and consider how classic stock/bond allocations might still fit modern portfolios.

• Analyze the evolution of balanced portfolios and prioritize flexibility and personalization to match your unique goals.

• Evaluate the benefits of working with a fiduciary advisor versus managing a low-cost index fund portfolio on your own.

• Clarify the mechanics of Roth conversions, including tax management, employer plan rules, and common pitfalls like the pro rata rule.

• Assess the advantages and drawbacks of using self-directed brokerage windows within your 401(k) and identify key considerations.

• Uncover the realities behind the Great Wealth Transfer and plan for receiving and leaving inheritances thoughtfully with estate planning insights.

• Emphasize the importance of communicating family values and wishes about money to help facilitate smoother inheritance discussions.

• Compare the tax efficiency of target-date ETFs versus mutual funds when shaping your taxable investment approach.

• Decode fully paid lending programs from brokerages such as Fidelity and weigh the implications of loaning your stock holdings.

• Consider appropriate asset allocations for elder care responsibilities when acting as a power of attorney, factoring in rising costs and longevity.

Empower your retirement future with practical, actionable knowledge from this episode. Listen and subscribe to the Retire Sooner Podcast to stay informed on real-world financial strategies that may help support your goals.

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