09.16.25 Ask An Advisor With Wes Moss

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 16 September 2025

⏱️ 37 minutes

🔗️ Recording | iTunes | RSS

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Summary

5 Pillars of Investing (Good Times and Bad) and How To Pay 0% on Capital Gains Investing in today's world can feel complicated, but it doesn't have to be. Fiduciary financial advisor Wes Moss breaks down the "5 Pillars of Investing" for both good times and bad. Also, he shares a powerful strategy to potentially pay 0% on your long-term capital gains, based on new tax law changes. Mentioned on the show: The 4% rule is now the 4.7% rule. Here's why that matters. There’s a ‘golden opportunity’ to pay 0% capital gains under Trump’s ‘big beautiful bill,’ experts say Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 16, 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® Wes Moss - Clark.com 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	Welcome to Ask an Advisor. I'm Krista DiBiase, here with Wes Moss.
0:09.7	Hey, Krista Dee.
0:10.4	Mr. Wes Moss. We are here today and every week, every single Tuesday on the Clark Howard Show feed to answer your investing questions.
0:20.5	Wes, your goal, the goal of your whole career
0:23.7	has been to help people retire happier and sooner, if they wish. It's my whole goal in life.
0:29.2	Yeah. And I've been in the investment industry for about, I guess it's been about 25 years.
0:35.0	And about 10 years in, I started doing research around the
0:40.1	habits of happy versus unhappy retirees, financial habits, social habits, activities, core pursuits.
0:46.3	And I think there's a lot more than just money that drives a happy retirement. One of the keys
0:51.5	is to be able to get to retirement and be able to say yes to
0:56.1	retirement. And there are absolutely some financial checkpoints we need to get to. And there's
1:01.8	still one of the primary fears in America. And this is at every asset level. And the fear,
1:09.3	the percentage of people scared of this thing I'm about to say
1:12.1	goes down as assets levels rise, but it doesn't go away, even for the $1 million and three
1:17.6	million plus category. And that's running out of money. It's running out of money. People are just,
1:22.6	it's just inherently human fear of what if this doesn't last. So if we can solve that part of the equation, you can feel comfortable around that,
1:31.3	then you can start to focus in on those other equally important psychological and
1:36.7	behavioral pieces of the equation that really lead to a happy retirement.
1:40.7	I love researching and love writing about it.
1:43.5	And that's what I do. I don't say,
1:46.0	maybe not just in my spare time, but a lot of times.
1:48.6	Yeah, your passion is definitely clear on this. And so to do that, you want to be an investor
	...

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