Retire Sooner with Wes Moss
Wes Moss is on a mission: help at least 1 million Americans of any age retire sooner and find joy along the way. A seasoned finance professional, best-selling author, broadcaster, and teacher, Wes has done extensive research on the habits of the happiest retirees. On this podcast, Wes shares key lifestyle and money habits you can implement now to prepare for a secure future while not depriving yourself of happiness in the present. In addition to leveraging his 20+ years of knowledge as an investment advisor, Wes brings in guests and specialists to teach you how to set and work towards your financial and lifestyle objectives. Refreshingly-free of mind-numbing financial jargon and unrealistic money goals, Retire Sooner with Wes Moss gives listeners the tools on how to retire sooner in the real world.
Episodes
August 7, 2025 • 43 mins
Kickstart your journey to a happier, earlier retirement with this high-energy episode of the Retire Sooner Podcast, where Wes Moss and Christa DiBiase tackle real listener questions and spotlight flexible strategies that could help you build a more confident retirement plan. Whether you're in your 40s, 50s, or beyond, get motivated to consider meaningful actions—starting now.
• Jump-start your savings approach in your 40s and 50s,...
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July 31, 2025 • 35 mins
Think you might be richer than you realize? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine realistic benchmarks and practical frameworks for retirement planning.
• Define what the “rich ratio” means and consider how it may reframe your retirement outlook.
• Compare your savings habits to U.S. medians to understand the broader landscape.
• Acknowledge that building wealth typically occurs over ...
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July 24, 2025 • 45 mins
Think you know the rules of thumb for retirement and investing? Think again. On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine common money myths and respond to listener questions that may reshape how you approach your financial future.
What you'll explore in this episode:
• Begin investing at any income level by seeing how access to markets has evolved.
• Focus on long-term participation instead...
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July 17, 2025 • 43 mins
Take the next step in your retirement planning.
Tune in to the latest episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase, where you'll hear thoughtful, real-world insights designed to help you make informed financial decisions and pursue a more confident, purposeful retirement.
• Explore ways to optimize Social Security benefits, including timing strategies, spousal considerations, and personalized withdrawal ...
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July 10, 2025 • 39 mins
In this episode of the Retire Sooner podcast, Wes Moss and Christa DiBiase respond to listener questions and explore practical approaches to navigating retirement, investing, and financial planning.
• Discover a common Roth IRA misstep that can lead to unexpected taxes in retirement and learn how to approach it with more clarity.
• Explore the process of rolling over a Roth 401(k) into a Roth IRA and how the five-year rule of thu...
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June 26, 2025 • 42 mins
In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase explore the role of dry powder assets in retirement planning and revisit “FOMO Freddie”—a cautionary character representing the risks of chasing investment trends without a long-term strategy. 🚀
They discuss why trend-chasing can be detrimental and how aligning with a consistent investment approach may help support long-term outcomes. You’ll hear compariso...
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Dreaming about retiring early, but worried you’ll never have enough? On this episode of Retire Sooner with Wes Moss, Wes and Christa DiBiase break down powerful strategies and mindset shifts that could help folks retire sooner and happier, including:
• Tap Your IRA Early—Penalty-Free: Learn how Rule 72(t) and SEPPs can sometimes unlock your IRA before many expect and how that might help customize an early retirement plan.
• Rule ...
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Explore powerful, often-overlooked retirement tactics—like the Rule of 55 and the 62/70 Social Security strategy—and hear listener questions answered by Wes and Christa to help you build an effective, income-focused financial future. 🎯
• Are corporate earnings the #1 financial metric for long-term investors to track when making better investment decisions?
• Learn how to evaluate earnings per share (EPS) and earnings growth when...
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June 5, 2025 • 41 mins
Looking for retirement guidance and insights on navigating gold investments, market volatility, and the impact of AI on jobs? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase address essential topics and answer listener questions on financial planning, investment returns, and preparing for the future of work.
• Gold as an Investment: Discuss the pros and cons of investing in gold, including historical per...
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Wes and Christa delve into essential topics to help get you ready to retire sooner and happier, including:
• Review the Wes Moss 10-point retirement readiness checklist.
• Understand how to transition from saving to spending. It sounds simple, but there can be more to it than meets the eye.
• Explore the emotional and strategic importance of spending in retirement: What are productive ways to prioritize?
• Reassess your estate, ins...
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May 22, 2025 • 38 mins
Tackle Roth IRA strategies, dollar cost averaging, passive investing risks, strategic retirement withdrawals, and more. Whether you're planning early retirement or optimizing your current portfolio, Wes and Christa deliver actionable insights and answer listener questions, including:
• Is Passive Investing Creating a Bubble?
Are index funds inflating markets? Or do global diversification and ongoing price discovery demonstrate ot...
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Wes and Christa compare ETFs vs. index funds and retirement accounts vs. brokerage accounts. Unlock financial clarity and early retirement strategies with this jam-packed episode of dynamic discussion and listener questions, covering topics such as:
• The importance of staying invested during market volatility, using a recent market upswing as an example of patience leading to productive results.
• The aforementioned differences ...
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May 8, 2025 • 43 mins
Is owning a home still a good investment? What are the 5 most important topics to cover when meeting with someone for financial guidance? Wes and Christa cut through the noise to explore these issues and answer listener questions, including:
• Explore the pros and cons of that homeownership question, housing as a long-term investment, and why it still matters. Learn why housing may serve as forced savings, inflation protection, an...
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May 1, 2025 • 39 mins
Explore ways fear can sometimes subside in financial markets. Examine how missing the worst days, not just the best ones, can lead to less productive gains over time.
Wes and Christa analyze:
• Why 2025’s market feels more like a “bungee cord” than a rollercoaster.
• How to use the VIX (fear index) to gauge investor sentiment—and what it could mean for your investments.
• What historical spikes in fear (dot-com crash, 9/11, the...
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Make informed decisions about your retirement plans, even in a bear market. Learn whether to cancel your vacation plans due to stock market concerns and discover how to manage your investments effectively.
Explore strategies like layering for early retirement and understand the implications of drawing down your TSP defined contribution plan. Examine rebalancing your taxable brokerage account, including ETFs and mutual funds, and l...
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Explore the latest developments in the tariff tumult, including how a lack of clarity may have led to both market meltdowns and a melt-ups: a rollercoaster of highs and lows. Learn the key takeaways from a complicated situation and discover how to potentially navigate your path to financial independence in retirement.
Headlines are temporary, but your financial plan shouldn't be. Analyze the essential balance of diverse portfolios...
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April 11, 2025 • 43 mins
Max out your financial insight with real-world retirement strategies and listener Q&A. Learn how to respond to shifting interest rates and weigh the pros and cons of working part-time during retirement. Explore ways to manage Required Minimum Distributions (RMDs), understand Social Security’s 35-year formula, and decide when to tap into pensions.
Get strategic about funding early retirement for your parents with trusts,
tax-smart ...
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Take control of your financial future. Learn how to determine the withdrawal rate for your retirement. Should you stick to the classic 4% rule, or is a 5% withdrawal rate possible? Hear why flexibility is key and how different spending approaches can impact your long-term security. Discover the impact of inflation, the pursuit of optimizing Social Security, and how a surprisingly small number of stocks make up about 50% of the S&P ...
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March 27, 2025 • 36 mins
Unlock secrets to increase the probability of saving more for retirement, managing risk, and making more efficient financial moves. Learn how a simple mindset shift could potentially lead to a 14% increase in savings, why your risk tolerance evolves over time, and how to structure your investments for a more secure future. Explore strategies for dry powder reserves, Roth vs. traditional 403(b) contributions, and pension buyout deci...
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March 20, 2025 • 43 mins
Learn how to optimize your retirement planning by utilizing essential financial tools. Discover strategies for leveraging a COLA-adjusted pension, navigating 403(b) withdrawals while contributing to a Roth IRA, and minimizing taxes. Explore rolling I bonds into a 529 plan without triggering taxable events.
Analyze switching funds while managing a 401(k) or how Fidelity’s BrokerageLink might provide low-fee options without incurrin...
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