12.30.25 Ask An Advisor With Wes Moss

The Clark Howard Podcast

Clark Howard

Entrepreneurship, Investing, Business

4.6 • 5.2K Ratings

🗓️ 30 December 2025

⏱️ 35 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Little-Known '3.6 Rule' for a Happy Retirement & Is the Job Market Good or Bad? Wes Moss dives into the critical connection between social capital and financial security, revealing a surprising "magic number" from his 2025 Money and Happiness in America Study. While most people focus strictly on their 401(k), the data shows that intentionality in your social life is just as vital as intentionality in your investments. Also, Wes breaks down the latest labor data to determine if the "Goldilocks" era of employment is here to stay. With the unemployment rate ticking up to 4.6%, Wes looks past the headlines to analyze the Employment-Population Ratio, which remains strong. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 30, 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, Wes Moss.
0:08.4	This is our last show of the year.
0:11.6	It is.
0:12.2	Wrapping up a great year, the first year.
0:14.3	Just like that.
0:15.1	Of Asken Advisor.
0:16.4	One year in the books.
0:18.3	I sure hope we help some people.
0:19.8	I know we did.
0:22.1	I know you did because I've seen the comments. Judging by the complexity of the questions, yet you can tell people are
0:27.1	saying, well, if they can answer that, we'll just throw another hugely complicated question
0:33.1	for us to do here in two to three minutes. So we started asking advisor with the intention of giving
0:40.5	the Clarkies a different kind of episode once a week where we actually could have their more
0:46.9	specific investing questions answered in retirement questions because that's your specialty,
0:52.0	Wes. And Clark went down from five to three episodes a week.
0:55.9	A lot of people were sad about that.
0:57.2	So, you know, we thought we could add this in on Tuesdays and it's been very well received.
1:02.8	So thank you so much.
1:04.9	So thankful and grateful to everyone who tunes in, who downloads this podcast, who watches
1:10.3	on YouTube and keep sharing it with
1:13.2	your friends, if you would.
1:14.2	So thank you for allowing me to be part of this.
	...

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