The Clark Howard Podcast 01.27.26 Ask An Advisor With Wes Moss
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Jan 27, 2026 A data-driven look at why the middle class might be shifting upward rather than simply shrinking. A dive into how AI and changing labor demand could reshape upper-middle incomes. A long-term tour of dividend durability and why steady dividend growth has been a quiet engine of market returns. Practical money topics like emergency savings, hiring a fiduciary advisor, and retirement planning tradeoffs.
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Get A Fiduciary When Family Finances Complicate
- Consider hiring a fee-only fiduciary advisor to build a plan and keep you accountable during family transitions.
- Use networks like FeeOnlyNetwork to find planners who charge planning-only or percentage fees.
Gold’s Correlation With Stocks Is Unstable
- Gold has an unstable, near-zero long-run correlation with stocks, making it a diversifier.
- In some crashes gold rises while stocks fall, but its relationship varies over time.
Dividend Growth Is Quietly Powerful
- Dividends historically account for ~37% of S&P 500 total returns and have grown faster than inflation.
- Dividend growth is durable because companies avoid cutting payouts once established.