The Clark Howard Podcast 02.17.26 Ask An Advisor With Wes Moss
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Feb 17, 2026 Strategies for using brokerage and Roth accounts to cover a short-term business cash crunch. A clear walkthrough of 60-day Roth rollover rules and withdrawal order. Market talk on small-cap value, diversification, and reversion to the mean. Practical tips on credit freezes and identity protection. A deep look at January 2026 jobs data and what labor trends mean for investors.
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Client Payment Delays Put A Business On Hold
- Wes shares a small-business example where delayed client payments created a temporary cash shortfall requiring personal funding.
- The owner evaluated brokerage and Roth options to float the business until client payments arrived.
How To Bridge A Short Business Cash Crunch
- Use brokerage cash first to cover short business cash crunches because sales are simple and penalty-free.
- If tapping a Roth, withdraw only contributions or use the 60-day rollover rule and limit this to once per year.
Rules For Using Roth Funds Temporarily
- If you withdraw more than contributions from a Roth, return it within 60 days to avoid taxes and penalties.
- Remember you can only perform this 60-day rollover once per 12 months.