Retire Sooner with Wes Moss

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

What Every Retiree Needs to Know About Social Security, Trusts, and Retirement Withdrawals

July 17, 2025 • 44 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 ...
Mark as Played

Roth Rules, Pension Puzzles, and Real Retirement Stories: Your Questions Answered

July 10, 2025 • 40 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...
Mark as Played

From FOMO to Focused: Retirement Strategies for Market Volatility and Asset Allocation

June 26, 2025 • 43 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...
Mark as Played

Keys to Early Retirement: Rule 72(t), New Research, Investing Insights, and Lasting Happiness

June 19, 2025 • 46 mins
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 ...
Mark as Played

Are Earnings Everything? Plus More Strategies To Boost Long-Term Investing and Retirement Planning

June 12, 2025 • 34 mins
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...
Mark as Played

From Gold to Growth: Long-Term Retirement Planning in Uncertain Times

June 5, 2025 • 42 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...
Mark as Played

10 Essential Steps to Retire Sooner: Spending Strategies, Tax Tips, and Listener Questions

May 29, 2025 • 46 mins
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...
Mark as Played

Are You Too Passive? Rethinking Index Funds, Roth Tactics, and Retirement Timing

May 22, 2025 • 39 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...
Mark as Played

ETF or Index Fund? Retirement or Brokerage? Wes Moss Unpacks Strategic Moves for Early Retirement

May 15, 2025 • 42 mins
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 ...
Mark as Played

Should You Still Buy a Home? + 5 Financial Planning Essentials You Can’t Ignore

May 8, 2025 • 44 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...
Mark as Played

Fear, the VIX, And The Bungee Market Of 2025: Why Staying Invested Still Wins

May 1, 2025 • 40 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...
Mark as Played

Bear Market Retirement Guide: Investment Strategies, Tax Moves, Vacation Decisions, Timing, And Understanding Portfolio Benchmarks

April 24, 2025 • 38 mins
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...
Mark as Played

Don't Miss The Market Rebound: Invest Through Tariff Volatility, Absorb The Mappiness Project, and Answer Listener Questions

April 17, 2025 • 42 mins
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...
Mark as Played

Retire with Confidence: Tackle Inflation, Family Planning, and Staying Calm in a Noisy Market

April 11, 2025 • 44 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 ...
Mark as Played

Maximize Your Retirement: 4% vs. 5% Withdrawal Rate, Inflation, Social Security, and Market Timing Explained

April 3, 2025 • 40 mins
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 ...
Mark as Played

Supercharge Your Retirement Savings and Outsmart Risk with These Game-Changing Strategies

March 27, 2025 • 37 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...
Mark as Played

American Army of Productivity: How to Overcome Tariff Fears and Secure Your Financial Future

March 20, 2025 • 44 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...
Mark as Played

Retire Sooner, Retire Smarter: 6 Costly Mistakes to Avoid for Financial Freedom

March 13, 2025 • 35 mins
Dive into the six biggest mistakes early retirees often make—and how to avoid them. Are you financially prepared to retire sooner than 67? See why a phased retirement strategy can be a game-changer, learn how to secure multiple streams of income, and examine why location matters when it comes to staying close to family. Tackle the real cost of healthcare, the Social Security timing trap, and the risks of over-supporting adult child...
Mark as Played

10 Habits of the Happiest Retirees: Smart Money Moves & Fulfilling Lifestyles

March 6, 2025 • 39 mins
Break down the five financial habits of the happiest retirees—including how much money you really need, the power of multiple income streams, and why paying off your mortgage faster might boost happiness. Learn how rational optimism can fuel effective investing and how the 4% Plus Rule of thumb can typically keep you from running out of money. Then, discover the five lifestyle habits that make retirement fulfilling, from core pursu...
Mark as Played

How Much Do You Need To Retire? Break It Down And Fill The Gap

February 27, 2025 • 37 mins
Tackle the million-dollar retirement question: How much is enough? Use Wes’s "Fill the Gap" (FTG) method to simplify retirement math—subtract guaranteed income like Social Security from your monthly spending goal and multiply the shortfall by 25 to calculate target savings. Explore other early retirement strategies, including the debate about lump sum buyouts vs. pensions, and weigh real estate against dividend-yielding ETFs for pa...
Mark as Played

Popular Podcasts

    Crime Junkie

    Crime Junkie

    Does hearing about a true crime case always leave you scouring the internet for the truth behind the story? Dive into your next mystery with Crime Junkie. Every Monday, join your host Ashley Flowers as she unravels all the details of infamous and underreported true crime cases with her best friend Brit Prawat. From cold cases to missing persons and heroes in our community who seek justice, Crime Junkie is your destination for theories and stories you won’t hear anywhere else. Whether you're a seasoned true crime enthusiast or new to the genre, you'll find yourself on the edge of your seat awaiting a new episode every Monday. If you can never get enough true crime... Congratulations, you’ve found your people. Follow to join a community of Crime Junkies! Crime Junkie is presented by audiochuck Media Company.

    24/7 News: The Latest

    24/7 News: The Latest

    The latest news in 4 minutes updated every hour, every day.

    Stuff You Should Know

    Stuff You Should Know

    If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.

    The Bobby Bones Show

    The Bobby Bones Show

    Listen to 'The Bobby Bones Show' by downloading the daily full replay.

    Latino USA

    Latino USA

    Latino USA is the longest-running news and culture radio program in the U.S. centering Latino stories, hosted by Pulitzer Prize winning journalist Maria Hinojosa Every week, the Peabody winning team brings you revealing, in-depth stories about what’s in the hearts and minds of Latinos and their impact on the world. Want to support our independent journalism? Join Futuro+ for exclusive episodes, sneak peaks and behind-the-scenes chisme on Latino USA and all our podcasts. www.futuromediagroup.org/joinplus

Advertise With Us
Music, radio and podcasts, all free. Listen online or download the iHeart App.

Connect

Explore

iHeart

Live Radio

Podcasts

Artist Radio

Exclusives

News

Features

Events

Contests

Photos

Information

About

Advertise

Blog

Brand Guidelines

Contest Guidelines

Subscription Offers

Jobs

Get the App

Automotive

Home

Mobile

Wearables

© 2025 iHeartMedia, Inc.