02.17.26 Ask An Advisor With Wes Moss

The Clark Howard Podcast

Clark Howard

Business, Investing, Entrepreneurship

4.6 • 5.2K Ratings

🗓️ 17 February 2026

⏱️ 36 minutes

🔗️ Recording | iTunes | RSS

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Summary

Should You Use Your “Sacred” Retirement Fund To Save Your Business? & 2026 Jobs Outlook As rapid technological shifts ripple through every industry, many entrepreneurs are finding themselves in a temporary cash flow crunch. While retirement accounts are often viewed as a "sacred chest" that shouldn't be touched, Wes Moss explores how to strategically leverage your brokerage and Roth IRA accounts to bridge the gap. Also, Wes dives deep into the latest data from the U.S. labor market to see what it actually means for your portfolio. Despite some "ancient history" revisions from 2025 that initially painted a gloomy picture, the January 2026 jobs report tells a much more resilient story. Whether you’re managing a business or a retirement timeline, understanding these labor trends is key to staying invested with confidence. Mentioned on the show: Asset Class Returns A Jack Bogle Lesson: Remember Reversion to the Mean How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is Long-Term Care Insurance Cost & Coverage Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 17, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments!Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Could AI help you do more of what you love?
0:03.0	Workday is the next-gen ERP powered by AI that actually knows your business.
0:08.0	We help you handle the have-to-dos so you can focus on the can't-wait-to-dos.
0:13.0	It's a new workday.
0:15.0	Prime Video brings the best in entertainment.
0:18.0	The end of the world continues with season two of the global phenomenon, Fallout, included
0:23.6	with Prime.
0:24.6	I defer to you about what to do in this situation.
0:26.6	Bring home the epic conclusion to the untold story of the Witches of Oz.
0:30.6	Buy or Rent, Wicked for Good Now.
0:32.6	I'm taking you to see the Wizard.
0:34.6	There's no going back.
0:36.6	Whatever you're into, it's right here.
0:39.2	Prime Video.
0:40.2	Click or tap the banner to find out more.
0:50.0	Welcome to Ask an Advisor.
0:51.9	We'll be here at Team Clark go deeper on all things investing and saving
0:56.3	your money for your future. Chris and Edias. Wes Moss. Hello, Wes. Good to see you. Today, a couple of really
1:02.4	interesting things. First, I know you're going to talk to specifically about small business owners
1:06.9	and many are feeling a cash crunch right now. What do you do if you have a cash crunch?
1:12.1	What are the accounts?
1:13.1	What's the right way to solve a temporary, temporary valley, let's say, in your cash flow?
	...

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