03.03.2026 Ask An Advisor With Wes Moss

The Clark Howard Podcast

Clark Howard

Business, Investing, Entrepreneurship

4.6 • 5.2K Ratings

🗓️ 3 March 2026

⏱️ 36 minutes

🔗️ Recording | iTunes | RSS

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Summary

Lump Sum Investing vs. Dollar-Cost Averaging & Is It Ever Too Late To Save for Retirement? Wes Moss tackles one of the most paralyzing questions in finance: should you "cannonball" into the market or wade in slowly? While historical data shows that one method wins about two-thirds of the time, Wes explains why participation will always trump perfection. Also, a sobering new study claims the average American has less than $1,000 saved for retirement. However, when you look past the headlines at the actual math, the story changes – and so does the outlook for "Late Start Larry and Lisa." If you’re in your 50s and feel like you’ve missed the boat, this segment is for you. Wes breaks down the 2026 contribution limits and shows how aggressive saving in your final working years can still turn a modest nest egg into a million-dollar retirement. Mentioned on the show: How Psychology Can Make or Break Your Portfolio Retirement Calculators What’s the Average Retirement Account Balance in America? Is It Ever Too Late To Save for Retirement? - Clark Howard 8 Retirement Catch-Up Secrets for Savers 55+ - Clark Howard Retirement Savings Limits in 2026 - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 3, 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?
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0:08.4	We help you handle the have-to-dos so you can focus on the can't-wait-to-dos.
0:13.2	It's a new workday.
0:15.1	My name is Sherlock Holmes.
0:16.9	It's an unusual name.
0:18.7	Introducing Young Sherlock, a new Guy Ritchie series.
0:22.4	What game are we playing today?
0:23.9	Discover the origins.
0:25.2	It's leaving.
0:25.8	Those days are surely behind me.
0:27.4	Of crime's most iconic mind.
0:29.5	There has been a break-in.
0:31.9	Astoned.
0:32.7	You should be a detective.
0:34.0	Starring Hero finds Tiffin, Donald Finn and Colin Firth.
0:37.6	If you start wearing a hat like that, I will no longer be friends with you.
0:41.0	Young Sherlock, new original series. Watch now only on Prime Video.
0:50.1	Welcome to Ask an Advisor to this week's show, West Moss.
0:54.9	Hey, Kristen, Mieuio.
0:56.0	You're supposed to be headed off right now to a place you're now not going to, right?
1:00.0	For your kids, for break.
	...

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