08.12.25 Is the 60/40 Rule DEAD? and Inheriting Money The Right Way

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 12 August 2025

⏱️ 48 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Is the 60/40 Rule DEAD? and Inheriting Money The Right Way Is the 60/40 investing rule dead? Fiduciary financial advisor Wes Moss tackles this question by looking back at research and revealing what a $500,000 portfolio would look like today. He shares why balanced investing is still critical for a comfortable retirement. Also, with the largest wealth transfer in history underway, Wes provides a reality check on inheriting money. He gives you a simple checklist for receivers and givers to make sure you're prepared. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 12, 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

Click on a timestamp to play from that location

0:00.0	Race the rudder, raise the sails, raise the sales!
0:05.0	Captain, an unidentified ship approaching. Over.
0:07.0	Roger that. Wait, is that an enterprise sales solution?
0:13.0	Reach sales professionals, not professional sailors.
0:17.0	With LinkedIn ads, you can target the right people by industry, job title and more.
0:21.4	To get £100 off your first campaign, go to LinkedIn.com slash lead to claim your credit.
0:26.7	That's LinkedIn.com slash lead. Terms and conditions apply.
0:30.2	Hi, this is Ava from Vanta. In today's digital world, compliance regulations are changing constantly.
0:37.2	And earning customer trust has never mattered more.
0:40.1	Vanta helps companies get compliant fast and stay secure, with the most advanced AI automation and continuous monitoring out there.
0:47.6	So whether you're a startup going for your first SOC 2 or ISO-27,01, or a growing enterprise managing vendor risk,
0:54.3	Banta makes it quick, easy, and scalable.
0:56.6	And I'm not to say that because I work here.
0:58.5	Get started today at banta.com.
1:05.5	Welcome to Ask an Advisor, where we here at Team Clark, go deeper on all things, investing,
1:12.0	saving through retirement.
1:15.2	Krista Debeaz here with West Moss.
1:17.2	West Moss and Krista.
1:18.7	What are you talking about today, Wes?
1:22.7	First one is a really important overarching topic. I think it applies to pretty much any investor that's watching, which is the headline you'll read
1:28.4	and it's perennial, or I'll see it a couple times a year, is the 6040 dead is the question.
1:34.7	Really what they're pointing to is that is balance investing not work as well as it used to
	...

Transcript will be available on the free plan in 13 days. Upgrade to see the full transcript now.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Clark Howard, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Clark Howard and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.