Welcome to Ask an Advisor, where we here at Team Clark talk about investing, saving for your retirement, happiness.

So many things.

Retirement happiness.

The habits of happy retirees.

One of my favorite topic.

Krista DiBiwaz and Wes Moss certified financial planner.

Is that right?

CFP, fiduciary. And excellent broadcaster, author. When's your next book coming out? Excellent broadcast. When's your next book coming out? I think you are. We're a podcaster. Radio people. We grew up in radio. Right. And you still do some radio. That's why I said that. Yeah, I do a lot of radio still. So a couple of the topics today,

this is inspired by true events. This is inspired by people that I've met over the years that

it's somewhat rare, but just because you don't have any money saved in your 30s or in your 40s,

even, I've seen people go essentially not be able to save much at all,

all the way until they're almost 50 and they still end up with significant amount of money

by the time they're in their mid-60s.

So today I wanted to talk about this 50 plus retirement catch up toolbox.

And then later in the show,

we're going to talk about the power of the 4% plus rule.

There's even a potential to go a little higher than that.

And there's a lot of, there's always controversy around this number.

But it's about how do we max out our withdrawals in retirement without running out?

Those are our two topics today.

Okay.

And then I have plenty of questions. And you can submit those at clark.com slash ask, including I have a question about what your opinion is on penny stocks. And I'm very curious to hear that. So we'll get to that and all of the other questions I have for today. All right. So we're going to start with it's expensive to live in America. It's expenses to live in the big city.

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