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Welcome to Ask an Advisor.

I'm Krista Dibias with Wes Moss, our advisor here at the Clark Howard Show.

And we're going to take your questions today about investing, saving for retirement, all sorts of things. All sorts of things.

Hello, Krista. It's great to be with you today again, Wes. And I hope that if you like this show,

you'll subscribe and share it with a friend. It really helps us out if you give us a review on Apple podcasts, too. And today, Wes, you're going to talk about a couple of really important things.

First,

some alarming numbers in terms of people feel like they're behind in their investments. There's just that constant feeling like you don't have enough. And maybe they're making some choices

in speculative or things that are risky. You know, I think about March Madness and April

madness and basketball season. And I think that a lot of America feels like they're way behind and they feel like they're in the fourth quarter and they're just throwing up threes. They're just hail-marrying, hey, maybe we'll hit these. We're taking big bets. So they're getting speculative. And I think it's obviously we have the numbers behind that and it's an alarming trend.

And then you're going to talk about pensions. There's always the debate, should I take a lump sum?

Should I take the payments in annuity payments? And I'll just say this. You mentioned to us in the room what you're going to talk about here.

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