07.29.25 Ask An Advisor With Wes Moss

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 29 July 2025

⏱️ 32 minutes

🔗️ Recording | iTunes | RSS

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Summary

Are You Richer Than You Think? and This Little-Known Strategy Can Save You a Ton in Taxes Do you feel rich? Fiduciary financial advisor Wes Moss breaks down how to calculate your “rich ratio” and reveals surprising signs you're wealthier than you realize. Plus, discover the little-known NUA rule – a potential tax-saving strategy that could save you thousands on your 401(k)! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 29, 2025 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS / Wes Moss, CFP® 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	Race the rudder, raise the sails, raise the sales!
0:05.0	Captain, an unidentified ship approaching. Over.
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0:30.1	I've ruled out uni because I want to live at home.
0:32.8	I've ruled out uni because I want to earn money.
0:35.8	I've ruled out uni because of my grades.
0:38.3	Study with the Open University and there's no need to rule out anything.
0:43.3	With our respected degrees, you can learn from home and work alongside study.
0:47.3	We're open to all.
0:49.3	Plus, you'll have the support of expert tutors.
0:52.3	So rethink your future with the degree you didn't think was
0:55.5	possible. The Open University. The future is open. Welcome to Ask an Advisor. I'm Krista Dibias and
1:07.8	her fiduciary financial advisor, Mr. Wes Moss of Team Clark. And today, Wes, you're going to talk about are you richer than you think? I hope so. I bet your audience is. Our rich ratio. Yeah. And then after that, you're going to talk about the NUA rule. I have to admit ignorance. I'll let you just take that one. You can talk to you.
1:27.7	I have no idea what that is. I've never heard of it. Again, I'm going to learn. I know I'm going to learn at least one thing on this podcast, but I bet you it'll be a lot more than one thing. It's pretty rare, but if you have a 401k and you work for a company that's publicly traded, it might very well apply to you. Okay.
1:24.1	Yeah.
1:24.8	All right.
1:25.1	What do we think.
1:25.8	Let's start with this.
	...

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