03.31.26 Ask An Advisor With Wes Moss

The Clark Howard Podcast

Clark Howard

Entrepreneurship, Investing, Business

4.6 • 5.2K Ratings

🗓️ 31 March 2026

⏱️ 36 minutes

🔗️ Recording | iTunes | RSS

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Summary

The Hack That Turns Trump Accounts Into $3M Nest Eggs & Retire Sooner Method vs. FIRE Wes Moss breaks down a powerful financial "hack" involving the new Trump Accounts that could change the trajectory of your family’s wealth forever. By shifting the conversation to a "Year 0" savings plan, parents and grandparents can use these accounts to kickstart a child's financial life from the day they are born. It’s a dramatic shift in how we think about retirement, proving that the one thing we can truly control is the amount of time we allow our money to grow. Also, Wes tackles the growing divide between the "Retire Sooner" method and the popular FIRE (Financial Independence, Retire Early) movement, which over half of Gen Z now claims to follow. While the FIRE movement often requires hyper-lean budgeting, high savings percentages, and extreme deprivation to retire by 40, Wes argues for a more realistic and sustainable approach. Plus, Mallory shares your #AskWes questions and Wes gives his take. All this and more on the March 31, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. Note: Christa will be back on Ask an Advisor next week! 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. Visit megaphone.fm/adchoices

Transcript

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0:00.0	When the tax year ends on the 5th of April, valuable tax allowances may be lost simply because people left things too late.
0:08.0	Thankfully, Vanguard is here to help you make well-consider decisions, not rushed ones.
0:14.0	Their tax year-end hub is full of clear guidance, helpful tools and timely reminders to help you understand your allowances and give your investments the best chance to grow.
0:23.6	Search Vanguard Investor to learn more. When investing, your capital is at risk. Tax rules apply.
0:29.6	Jamie Lang and Sophie Haboo have arrived on Disney Plus.
0:34.6	We're having a baby. We're having a baby.
0:36.6	I've always wanted to be mum. And we're bringing you on our journey through everything. I have no idea what we're doing. Thank you. I have more of an idea. I think of it like a Tamagocchi. At the end of all of this... We're going to have a little baby? Raising Chelsea, a Hulu original series, streaming April 2nd exclusively on Disney Plus.
0:57.3	18 plus subscription required T's and T supply.
1:05.0	Welcome to The Clark Howard Show.
1:07.6	Ask an Advisor.
1:08.8	I'm Wes Moss here for Asken Advisor. And who is this next to me?
1:14.7	This is Mallory Boggs. Krista Dee is traveling today. So we're going to give her a travel
1:21.1	pass because the Clark Howard team loves to travel more than anyone else I've ever done.
1:26.2	It's amazing. And you know she was there for a steal.
1:29.0	Yeah, of course she was.
1:30.2	I will just say that I hope she's not in one of the airports where she's waiting hours and hours in line.
1:38.2	So Mallory and I've worked together for a long time.
1:40.9	So Mallory stepped in, thought this would be fun.
1:43.9	So you're going to be asking questions
1:45.5	here on the Askin Advisor. I'm excited. I'm just going to try and make Krista proud. It's really
1:51.4	my goal today. Okay. Well, good. Well, I think we're going to start with before we jump into
1:56.5	questions. And we love that when you send in questions, I'm not amazed that they just continue to be
	...

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