12.02.25 Ask An Advisor With Wes Moss

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 2 December 2025

⏱️ 38 minutes

🔗️ Recording | iTunes | RSS

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Summary

50-Year Mortgage: Game Changer or Gimmick? & the Key to Winning a 401(k) Wes Moss dives into the new 50-year mortgage, which he calls a gimmick but sees one potential benefit. Since ownership is key to financial security and the median home-buying age is rising, the concept of starting the equity journey sooner is good. However, Wes and Christa talk about a huge warning if you’re considering it. Also, Wes shares a powerful story about the key to winning your 401(k). The story illustrates a real-life outcome for many Americans, emphasizing how a few years' delay or a few percentage points of savings are huge variables that compound over time. Mentioned on the show: Is Robinhood Gold Worth It? The Key to a Winning 401(k) Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 2, 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. 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, where we here at Team Clark go deeper on all things investing,
0:10.8	saving for your future, retirement, happy retirements.
0:15.1	I like a happy retirement.
0:16.5	And today, mortgages as well.
0:19.6	I'm Chris Didibias here with West Moss. West Moss. And the highly
0:24.2	controversial subject. Yeah, the 50-year mortgage. Whoa. I definitely have strong feelings
0:30.2	about it. I'll say that. And I will express them. I can talk about that a little bit.
0:35.9	You were throwing things in me before we got on air.
0:38.7	No, I wasn't.
0:39.2	I wasn't.
0:42.7	But I do have strong feelings probably because I worked with Clark for so very long.
0:48.3	And I'd also like to definitely pose some questions to you from our listeners and viewers. If you want to see the podcast, you can go to YouTube.com slash Clark.
0:56.4	And of course, you can listen wherever you are and share and review and rate the podcast. We really appreciate it. And if you have a
1:02.5	question for Wes or Clark, go to Clark.com slash ask. All right. So where do we start? You
1:07.9	want to start with a 50-year mortgage? I don't. I don don't i will mention later on you're going to give us the key to a winning 401k as well but we what that key is yeah so we are going to start with the 50 year mortgage you and i may agree i don't know so let's right out of the gate here this is a hot financial topic i we brought it up on a radio show that I was on earlier this
1:30.1	week. Everybody on the show was going nuts about it. This is the worst thing ever. There's op-eds
1:36.4	in the Wall Street Journal that are all about how it's a gimmick and it's terrible. There's memes out
1:43.8	there of other financial hosts who are catatonic,
1:48.4	having meltdowns about it.
1:50.4	And I get that because it really is a gimmick in a lot of ways.
1:55.2	I do have one positive thing that it actually could be good,
1:59.9	which I know nobody wants to hear. But in 2025,
	...

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