The Clark Howard Podcast 07.15.25 Ask An Advisor With Wes Moss
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Jul 15, 2025 
Wes Moss, a fiduciary financial advisor and author focusing on retirement strategies, dives into crucial financial topics. He explores the optimal timing for taking Social Security benefits, emphasizing personalized scenarios to maximize payouts. Wes also discusses target date funds, comparing them to TV dinners for their convenience while cautioning that they’re not without flaws. The conversation is lively, covering various listener questions about investment strategies and planning for retirement, making complex topics more accessible.
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Take Social Security To Protect Nest Egg
- If you need to withdraw too much from your retirement accounts, consider taking Social Security earlier to reduce portfolio withdrawals.
- This helps protect your nest egg and lowers financial risk in early retirement years.
Retirement Boosts Happiness
- Retirees report higher happiness levels than working people, which supports retiring sooner if financially possible.
- Social Security can help buy additional years to enjoy life in retirement, improving overall well-being.
Address Retirement Money Anxiety
- Fear of running out of money is normal even for those with millions saved; it's more psychological than financial.
- Create a concrete financial plan and consider behavioral or financial counseling to address anxiety around finances.