The Clark Howard Podcast 11.18.25 Ask An Advisor With Wes Moss
24 snips
Nov 18, 2025 Wes Moss dives into the emotional dilemma of whether parents should pay off their child's student debt. He emphasizes that safeguarding retirement is the ultimate gift to children. The discussion then shifts to AI's impact on the job market, revealing an optimistic forecast of 170 million new jobs emerging globally. Wes also answers listener questions, covering topics like retirement planning, tax strategies, and even apple varieties. The blend of financial wisdom and real-world applications makes for an engaging listen!
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Target Date Funds Withdraw Proportionally
- Do not expect a target date fund to let you withdraw specifically from bonds; withdrawals come from the whole allocation.
- Do consider holding separate bond funds if you want control over which assets you draw from in retirement.
Backdoor Roth Still Available
- Do not assume the backdoor Roth conversion was eliminated by the 2025 tax bill; it remains available.
- Do consult tax guidance before acting, but current law still allows non-deductible IRA contributions converted to a Roth.
Review Your Retirement Plan Annually
- Do update a comprehensive retirement plan roughly once a year and more often if you plan to materially increase spending.
- Do revisit the planner's assumptions and rerun the plan as if you were retiring tomorrow when circumstances change.