The Clark Howard Podcast 08.26.25 Ask An Advisor With Wes Moss
30 snips
Aug 26, 2025 
Wes Moss, a fiduciary financial advisor, helps you navigate the tricky waters of retirement savings and investing. He reveals how a couple’s simple home renovation could have led to hefty Medicare costs and shares strategies to avoid such pitfalls. Diving into the world of AI, Wes explains its powerful analytical abilities while warning against relying on it for major financial decisions. Plus, he answers listener questions, providing insights that blend finance with everyday dilemmas. Tune in for expert advice that could save you money!
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Use Rental Surplus To Pay Or Invest
- If you have ample emergency savings, use excess rental cash to pay down a 4.125% mortgage for a guaranteed return equal to that rate.
- Alternatively invest the surplus if you prefer higher expected returns and keep liquidity.
Fewer Mortgage Years Boost Retirement Happiness
- Being mortgage-free on your primary home strongly correlates with higher retirement happiness.
- Aim to reduce remaining mortgage years under about nine years for a notable wellbeing boost.
Search Has Shifted To AI‑First Answers
- General web search has become AI-driven, changing how people find and receive answers.
- Multiple AI platforms (Google, OpenAI, Perplexity, X) now supply direct answers instead of link lists.