03.10.26 Ask An Advisor With Wes Moss

The Clark Howard Podcast

Clark Howard

Business, Investing, Entrepreneurship

4.6 • 5.2K Ratings

🗓️ 10 March 2026

⏱️ 36 minutes

🔗️ Recording | iTunes | RSS

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Summary

Should You Dump U.S. Stocks for International? & Top Retirement Number To Watch in 2026 With international stocks outperforming the S&P 500 recently, many investors are asking the same question: Is it time to pivot overseas? Before you overhaul your portfolio, learn why you might already have more international exposure than you think. Also, Wes revisits the most important metric for your financial peace of mind in 2026: The Rich Ratio. Retirement isn't about the total size of your nest egg; it’s about the "margin" between what you have and what you need. We explain how to calculate your ratio in under 60 seconds and why "financial richness" is often achieved more quickly by lowering your "needs"—specifically by tackling "big rocks" like your mortgage. Whether your ratio is currently above or below 1.0, this simple math will provide a clear roadmap for your retirement security. Mentioned on the show: A Better Way To Think About Your Net Worth Backdoor Roth IRA: How High Earners Can Still Contribute Are You Richer Than You Think? Your "Rich Ratio" Could Tell You Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 10, 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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0:22.6	They think they're better than us.
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0:24.9	I'm going to prove to them that they're wrong.
0:26.6	She's punishing me.
0:28.1	You destroyed my family.
0:29.5	I will not rest until I've destroyed yours.
0:32.1	A woman of substance on Channel 4 starts tonight at 9.
0:40.1	Welcome to Ask an Advisor this week's show.
0:43.2	I'm very excited about Wes.
0:44.8	We've got some good questions for you.
0:46.4	I'm Krista Deviats.
0:47.2	We're with Wes Moss.
0:47.9	You're Krista Deviats.
0:49.5	And I am Wes Moss, and I'm excited that you're excited for you.
0:53.4	I am because, first of all, the topics you're talking about, the first topic, a lot of questions
0:59.0	come in about this, international stocks versus domestic stocks. Is it time for us to load up on
	...

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