Think you know the rules of thumb for retirement and investing? Think again. On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine common money myths and respond to listener questions that may reshape how you approach your financial future.

What you'll explore in this episode:

• Begin investing at any income level by seeing how access to markets has evolved.

• Focus on long-term participation instead of trying to perfectly time the market.

• Revisit the role of cash in your strategy and reflect on whether “cash is king” still holds.

• Understand why not all bonds carry the same level of risk, despite common assumptions.

• Consider how long-term investing differs from gambling based on historical probabilities.

• Explore modern tools and AI platforms that can support your portfolio analysis.

• Avoid the comparison trap by staying grounded in your personal financial goals.

• Compare the potential uses of whole life insurance versus long-term investing in special needs planning.

• Remember that market declines only become losses when assets are sold.

• Recognize the limitations of using past performance to estimate future outcomes.

• Examine whether real estate consistently appreciates by looking at real-life exceptions and patterns.

• Shift your perspective from outperforming the market to maintaining a long-term plan.

• Emphasize the importance of hobbies and social connections alongside financial readiness in retirement.

• Track your accounts and consider when changes to a managed portfolio may be appropriate.

• Reassess how supplemental funds—like vacation accounts—fit into your broader plan and tax picture.

• Simplify charitable giving by analyzing options such as donor-advised funds and intentional planning.

🎧 Listen today and subscribe to the Retire Sooner Podcast for thoughtful insights to help guide your retirement journey._

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