Retire Sooner with Wes Moss

Where Should You Live in Retirement? (And How to Pay for It)

16 Apr 2026

Contributed by Lukas

Rethink retirement, and how the financial and lifestyle choices of today may shape tomorrow. In this episode of the Retire Sooner Podcast, Wes Moss an...

Lump Sum vs Pension, Dividends & Market Risks Explained

09 Apr 2026

Contributed by Lukas

If the financial headlines feel overwhelming, Wes Moss and Christa DiBiase help bring things back into focus. This episode of the Retire Sooner Podcas...

Retirement Is Evolving—Are You Keeping Up?

02 Apr 2026

Contributed by Lukas

Reimagine what retirement could look like with Wes Moss and guest host Mallory Boggs, as they connect today’s biggest financial questions to real-li...

Clark Howard Joins Wes Moss: Navigating Market Volatility, Inflation, and Retirement Planning

26 Mar 2026

Contributed by Lukas

Special guest Clark Howard joins Wes Moss to co-host a standout episode of the Retire Sooner Podcast, exploring how market volatility, energy prices, ...

Retirement Planning in Volatile Markets: Inflation, Oil Prices, AI, and Portfolio Strategy

19 Mar 2026

Contributed by Lukas

Market volatility, inflation, and rapid technological change are shaping today’s financial landscape, while long-term planning remains an important ...

Retirement Planning in a Changing Market: U.S. vs. International Stocks, the Rich Ratio, and Long-Term Investing Decisions

12 Mar 2026

Contributed by Lukas

Retirement planning questions often intersect with global markets, tax decisions, and long-term investing strategy. In this episode of the Retire Soon...

Behind on Retirement Savings? Roth 401(k), Rule of 55 & Investment Decisions Explained

05 Mar 2026

Contributed by Lukas

Retirement planning is often shaped by disciplined decisions, market realities, and investor behavior. In this episode of the Retire Sooner Podcast, W...

Inflation, Record Market Highs, and Early Retirement: What Investors Should Consider

26 Feb 2026

Contributed by Lukas

Inflation, record market highs, early retirement dreams, and complex estate questions—retirement planning doesn’t happen in isolation. In this epi...

From Roth Rules to Small Caps: Today’s Headlines and Your Retirement Strategy

19 Feb 2026

Contributed by Lukas

Retirement decisions don’t often happen in isolation—they’re shaped by markets, policy shifts, career trends, and personal trade-offs. In this e...

Inflation Is Back: Markets, Portfolios, and Retirement Trade-Offs

12 Feb 2026

Contributed by Lukas

Inflation is back in focus—and it’s reshaping how many people think about retirement decisions. In this episode of the Retire Sooner Podcast, Wes ...

When Markets Get Loud: A Clear Look at Retirement Planning Choices

05 Feb 2026

Contributed by Lukas

Concerned about retirement planning in a market full of uncertainty and noise? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBi...

The Middle Class Debate And Today’s Retirement Planning Landscape

29 Jan 2026

Contributed by Lukas

Is the American middle class actually shrinking, or evolving? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase offer educati...

Big Stocks, Small Caps, and Investor Behavior: What Today’s Markets Reveal

22 Jan 2026

Contributed by Lukas

Gain clear, educational context on today’s investing and retirement planning topics with the Retire Sooner Podcast, hosted by Wes Moss and Christa D...

Clark Howard Joins Retire Sooner to Break Down Buffett, Markets, and 2026 Themes

15 Jan 2026

Contributed by Lukas

The Retire Sooner Podcast welcomes Clark Howard alongside Wes Moss and Christa DiBiase for a special episode focused on market history, long-term inve...

Retirement Planning, Investing Trade-Offs, and Household Risk Explained

08 Jan 2026

Contributed by Lukas

Start the year with structured context around today’s most frequently discussed retirement planning questions on the Retire Sooner Podcast, hosted b...

Inside the Research: Happiness, Jobs Data, and Retirement Questions

01 Jan 2026

Contributed by Lukas

What actually shapes life in retirement—your finances, your relationships, or both? In this episode of the Retire Sooner Podcast, Wes Moss and Chris...

Healthcare, Social Security, and Rate Cuts: Retirement Planning in Today’s Economy

25 Dec 2025

Contributed by Lukas

Looking for clear context around today’s most talked-about retirement planning issues? In this episode of the Retire Sooner Podcast, Wes Moss and Ch...

Roth Conversions and Withdrawal Frameworks: Retirement Income Planning

18 Dec 2025

Contributed by Lukas

Looking for an educational overview of today’s most commonly searched retirement planning topics? In this episode of the Retire Sooner Podcast, Wes ...

The Saver-to-Spender Shift: Behavioral Drivers of Thoughtful Retirement Planning

11 Dec 2025

Contributed by Lukas

Gain a grounded, research-informed perspective on retirement planning in this episode of the Retire Sooner Podcast, where Wes Moss and Christa DiBiase...

Your Guide to Today’s Highly Searched Retirement Questions

04 Dec 2025

Contributed by Lukas

Stay informed about today’s highly-searched retirement and financial planning topics in this new episode of the Retire Sooner Podcast with Wes Moss ...

Retirement Catalysts: The Moments That Can Shift Your Financial Future

27 Nov 2025

Contributed by Lukas

Are you prepared for the major life catalysts that may influence your retirement planning and long-term lifestyle? In this episode of the Retire Soone...

Planning Clarity: Family Support, Tax Rules, and the Workforce of Tomorrow

20 Nov 2025

Contributed by Lukas

Ready to explore the real questions shaping today’s retirement conversations? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiB...

Retirement Planning Insights: Housing Market, Investment Decisions, and Life Purpose After 50

13 Nov 2025

Contributed by Lukas

Ready to explore thoughtful, research-driven ways to help plan for financial confidence and fulfillment in retirement? In this episode of The Retire S...

COLA Updates, AI, and Diversification: Mapping the Modern Retirement Landscape

06 Nov 2025

Contributed by Lukas

Stay informed about the changing retirement landscape with hosts Wes Moss and Christa DiBiase as they unpack today’s relevant financial topics—fro...

Clark Howard Joins Wes Moss to Discuss Market Context, Investor Behavior, and Retirement Trends

30 Oct 2025

Contributed by Lukas

In this special episode of The Retire Sooner Podcast, Wes Moss speaks with nationally recognized consumer advocate Clark Howard about current topics s...

How Private Equity, 401(k) Changes, and Emerging Trends May Be Reshaping Retirement Planning

23 Oct 2025

Contributed by Lukas

Ready to approach retirement with clarity and confidence? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase discuss how priva...

From “Set” to “Settled”: Finding Confidence and Calm in Your Financial Life | Retire Sooner Podcast

16 Oct 2025

Contributed by Lukas

Join Wes Moss and Christa DiBiase on the Retire Sooner Podcast, where real-life financial questions meet clear, grounded discussions about retirement ...

The American Dream Reset: Retirement Costs, Inflation, and Savings Strategies

09 Oct 2025

Contributed by Lukas

Curious how today’s costs, inflation trends, and shifting expectations are shaping the American Dream? Join Wes Moss and Christa DiBiase on the Reti...

Retirement Planning Insights, TSP Education, and Family Money Conversations

02 Oct 2025

Contributed by Lukas

Explore practical retirement planning strategies and gain clarity on key financial decisions in this engaging episode of the Retire Sooner Podcast. We...

Fed Actions, 72(t) Rules, and Investment Strategies: Retirement Planning Made Clear

25 Sep 2025

Contributed by Lukas

Gain a clear perspective on retirement planning in this episode of the Retire Sooner Podcast, hosted by Wes Moss and Christa DiBiase, where listener q...

5 Investing Pillars & Tax Tips for Retirement Planning

18 Sep 2025

Contributed by Lukas

Gain clarity on investing and retirement planning with this engaging episode of the Retire Sooner Podcast, hosted by Wes Moss and Christa DiBiase. Whe...

Maximize Retirement Income & Plan for Early Financial Freedom

11 Sep 2025

Contributed by Lukas

Curious how to manage your 401(k), Social Security, and retirement withdrawals in today’s market? On this episode of the Retire Sooner Podcast, Wes ...

Balancing Stability and Growth in Today’s Retirement Landscape

04 Sep 2025

Contributed by Lukas

Ready to explore new perspectives on retirement planning? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine money,...

Social Security, Taxes, REITs, and More: Exploring Key Retirement Planning Topics

28 Aug 2025

Contributed by Lukas

Discover how money choices today can influence your financial confidence and retirement happiness in this engaging episode of the Retire Sooner Podcas...

From Asset Allocation to Market Trends: Tools for Thoughtful Retirement Planning

21 Aug 2025

Contributed by Lukas

Get ready to rethink retirement with Wes Moss and Christa DiBiase as they examine the realities of investing, financial security, and planning for a f...

Balanced Investing, Roth Conversions & Estate Planning Strategies

14 Aug 2025

Contributed by Lukas

Tired of sifting through retirement noise and myths? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase unpack practical strat...

Retirement Catch-Up Strategies, Social Security Timing & Essential Planning Insights

07 Aug 2025

Contributed by Lukas

Kickstart your journey to a happier, earlier retirement with this high-energy episode of the Retire Sooner Podcast, where Wes Moss and Christa DiBiase...

Are You Richer Than You Think? Retirement Benchmarks and Planning Insights

31 Jul 2025

Contributed by Lukas

Think you might be richer than you realize? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine realistic benchmarks an...

What If Everything You Knew About Retirement Was Wrong?

24 Jul 2025

Contributed by Lukas

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 DiBias...

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

17 Jul 2025

Contributed by Lukas

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 y...

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

10 Jul 2025

Contributed by Lukas

In this episode of the Retire Sooner podcast, Wes Moss and Christa DiBiase respond to listener questions and explore practical approaches to navigatin...

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

26 Jun 2025

Contributed by Lukas

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 “...

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

19 Jun 2025

Contributed by Lukas

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 d...

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

12 Jun 2025

Contributed by Lukas

Explore powerful, often-overlooked retirement tactics—like the Rule of 55 and the 62/70 Social Security strategy—and hear listener questions answe...

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

05 Jun 2025

Contributed by Lukas

Looking for retirement guidance and insights on navigating gold investments, market volatility, and the impact of AI on jobs? In this episode of the R...

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

29 May 2025

Contributed by Lukas

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...

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

22 May 2025

Contributed by Lukas

Tackle Roth IRA strategies, dollar cost averaging, passive investing risks, strategic retirement withdrawals, and more. Whether you're planning early ...

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

15 May 2025

Contributed by Lukas

Wes and Christa compare ETFs vs. index funds and retirement accounts vs. brokerage accounts. Unlock financial clarity and early retirement strategies ...

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

08 May 2025

Contributed by Lukas

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 Chri...

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

01 May 2025

Contributed by Lukas

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 ...

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

24 Apr 2025

Contributed by Lukas

Make informed decisions about your retirement plans, even in a bear market. Learn whether to cancel your vacation plans due to stock market concerns a...

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

17 Apr 2025

Contributed by Lukas

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 rollerco...

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

11 Apr 2025

Contributed by Lukas

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 p...

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

03 Apr 2025

Contributed by Lukas

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 ...

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

27 Mar 2025

Contributed by Lukas

Unlock secrets to increase the probability of saving more for retirement, managing risk, and making more efficient financial moves. Learn how a simple...

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

20 Mar 2025

Contributed by Lukas

Learn how to optimize your retirement planning by utilizing essential financial tools. Discover strategies for leveraging a COLA-adjusted pension, nav...

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

13 Mar 2025

Contributed by Lukas

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...

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

06 Mar 2025

Contributed by Lukas

Break down the five financial habits of the happiest retirees—including how much money you really need, the power of multiple income streams, and wh...

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

27 Feb 2025

Contributed by Lukas

Tackle the million-dollar retirement question: How much is enough? Use Wes’s "Fill the Gap" (FTG) method to simplify retirement math—subtract guar...

Millionaire Mindset Unlocked: Hard Work, Thoughtful Investing, and Bogle’s Playbook Might Fast-Track Your Retirement

20 Feb 2025

Contributed by Lukas

Probe America’s "mini-millionaires"—how they earn, invest, and build wealth through hard work, not luck. Dive into the potential for owning stocks...

Lump Sum Or Pension? Crack the 6% Code + Market Highs & Retirement Power Moves

13 Feb 2025

Contributed by Lukas

Should you take a lump sum or pension payout? Use the 6% Test to help you decide. With markets hitting record highs, is it the right time to invest, o...

5 Powerful Portfolio Diversification Strategies to Reduce Market Anxiety + The Army Of American Productivity

06 Feb 2025

Contributed by Lukas

Discover 5 powerful portfolio diversification strategies to help reduce market anxiety and boost financial security. Learn how these strategies can ap...

It's Never Too Late To Start Saving For Retirement + Q&A

30 Jan 2025

Contributed by Lukas

New changes in Social Security policies, particularly the elimination of the Windfall Elimination Provision (WEP) and the Government Pension Offset (G...

More Foundational Principles For A Happy Retirement + Listener Questions

23 Jan 2025

Contributed by Lukas

Unpack the keys to investing for a happy retirement by highlighting foundational principles like prioritizing stocks to combat inflation and the strat...

10 Market Challenges For Investors To Watch In 2025

16 Jan 2025

Contributed by Lukas

On today’s episode, Wes looks at 2024’s obstacles to see what might serve as clues for success in 2025. The resilient U.S. economy closed 2024 wit...

5 Keys To Be a Successful Investor and Listener Q&A

09 Jan 2025

Contributed by Lukas

On today's episode of the Retire Sooner Podcast, we dive into the essential pillars for seeking to achieve financial freedom and a fulfilling retireme...

FOMO Free Investing

12 Dec 2024

Contributed by Lukas

We’ve all met that one guy who pontificates endlessly about the “fantastic” investments he’s made that year. He always seems drawn to the hott...

Riding The Age Wave with Maddy Dychtwald

05 Dec 2024

Contributed by Lukas

Most people have a vague idea of what it takes to stay healthy as we age—some combination of cutting out the delicious, irresponsible activities whi...

What Makes A Good Life?

21 Nov 2024

Contributed by Lukas

Everyone wants a good life, but what does that mean, and how can you make it happen? On today’s show, Wes combines analysis from a neuroscientist, a...

How To Squeeze The Most Juice Out Of Retirement With Dr. Riley Moynes

14 Nov 2024

Contributed by Lukas

I was recently at my son’s football games when one of the other dads walked over. He looked about 45 and said he was starting to think about the fut...

Retire Without Regrets: A Harvard Business Review Longitudinal Study

07 Nov 2024

Contributed by Lukas

Our Retire Sooner Team has been researching, studying, and writing about happy retirements for years, so there aren’t many aspects we haven’t cons...

Revolutionize Your Retirement with Dr. Dorian Mintzer

31 Oct 2024

Contributed by Lukas

The transition from one goal to another is often more challenging than either of the goals themselves. Once you get going, momentum can do a lot of th...

5 Reasons I'm Bullish On The United States

24 Oct 2024

Contributed by Lukas

Only 36% of voters still believe the American Dream is attainable, according to a 2023 Wall Street Journal/NORC survey. This figure is decidedly lower...

Thriving Beyond 50 With Will Harlow

17 Oct 2024

Contributed by Lukas

Think about the day you drove your favorite car off the dealer’s lot. The engine was purring, the paint job was shining, and it ran like a dream. Bu...

3 Lessons For Investors: What Would John Bogle Do?

10 Oct 2024

Contributed by Lukas

Warren Buffett once said, “If a statue is ever erected to honor the person who has done the most for American investors, the hands-down choice shoul...

Decoding Market Psychology with Dr. Daniel Crosby

03 Oct 2024

Contributed by Lukas

Investing for the future can be daunting. And while many of us assume the key is mastering the market’s financial aspects, a persuasive argument say...

How the Fed's Rate Cut Could Impact Income Investors + A Deep Dive into Income Investing Strategy

26 Sep 2024

Contributed by Lukas

How will the recent Federal Reserve rate cut impact your retirement income? Are your investments at risk or ready to benefit? In today’s episode of ...

Caring For Caretakers with Elizabeth Miller

19 Sep 2024

Contributed by Lukas

More than one in five Americans serve as caretakers for an elderly parent or aging relative. How will we know what to do if and when that time comes? ...

Defending Core Investment Principles

12 Sep 2024

Contributed by Lukas

In today’s episode of the Retire Sooner Podcast, Wes takes aim at a recent Wall Street Journal article claiming the 60/40 portfolio and 4% retirem...

The Secret to Happy Aging With Alan Castel

05 Sep 2024

Contributed by Lukas

Have you ever met a 75-year-old who seems 40? How about a 30-year-old who seems 50? Why do some folks seem to age like a fine wine while others settle...

Foundational Investment Principles of the Retire Sooner Community

29 Aug 2024

Contributed by Lukas

Americans have faced immense financial challenges in the past two-plus decades. The Dotcom Bubble sent stock prices down nearly 50% between 2000 and...

Retire Sooner Pajama Party

22 Aug 2024

Contributed by Lukas

A fulfilling job is great, but being able to do it in your pajamas? Now, we’re talking. On today’s episode, we’re joined by Kerry Hannon, autho...

How To Handle A Market Selloff

15 Aug 2024

Contributed by Lukas

On today’s episode of the Retire Sooner Podcast, Wes examines the recent market crash and analyzes how the Fed’s decisions may have helped low...

The Scientific Significance Of Fun With Mike Rucker

08 Aug 2024

Contributed by Lukas

It’s been said that loneliness is worse for our health than smoking cigarettes. Take a second to inhale that scary thought. In contrast, pro-social ...

Revisiting How To Stay A Millionaire, And Other Lessons from The Millionaire Next Door

01 Aug 2024

Contributed by Lukas

In today’s episode, Wes points out that the population of mini-millionaires is growing and that society’s perception of them isn’t always very a...

Parkour and Pickleball: Tips on Active Aging with Erin Eleuterio

25 Jul 2024

Contributed by Lukas

In this actionable episode of Retire Sooner, Wes Moss sits down with Erin Eleuterio to explore the importance of physical activity for older adults. E...

Revisiting Three Investing Keys to Help Retirees Sleep Well at Night

18 Jul 2024

Contributed by Lukas

On today’s episode, we ponder the question, “Can money buy happiness?” The answer might surprise listeners, and Wes borrows the words of best-se...

Spending Our Anxieties: The Motivations Of Financial Decision-Making With Christine Moriarty

11 Jul 2024

Contributed by Lukas

Morgan Housel’s eye-opening book amplified the idea that the intersection of psychology and money is bigger and more bustling than most of us know. ...

5 Common Mistakes To Avoid When Retiring Early

27 Jun 2024

Contributed by Lukas

Despite the continued popularity of retiring at 65, many folks are drawn to the allure of an early exit. The promise of more time for family, travel, ...

From Rejection To Financial Freedom: The Minority Mindset With Jaspreet Singh

20 Jun 2024

Contributed by Lukas

Jaspreet Singh’s parents gave him two choices: become a doctor or be a failure. Understandably, he chose medicine, but deep down, he knew it was for...

You May Be Able To Retire One (Or Five) Years Sooner

13 Jun 2024

Contributed by Lukas

According to a National Institute on Retirement Security report, 79% of Americans agree that there is a retirement crisis. It also revealed that over...

How To Stay Young As We Age with Doctor Dawn Carr

06 Jun 2024

Contributed by Lukas

We all know that older person who just seems so young. How do they pull it off? Did they hit the genetic jackpot? Or do their lifestyle habits act as ...

Investing At Market All-Time Highs

30 May 2024

Contributed by Lukas

According to a recent Schroders study, just 4% of current retirees say they are “living the dream,” while another 4% report they are “living a...

The Millionaire Mission with Brian Preston

23 May 2024

Contributed by Lukas

You work hard for your money. But what if your money could work even harder for you? Brian Preston says there’s a way to make that happen. It’s ca...

A 6% Withdrawal Rate: Crazy or Possible?

16 May 2024

Contributed by Lukas

Running out of money may be retirement’s most frightening concern, so it’s not surprising that people want to know how much of their nest egg they...

Finding Hope with Chan Hellman

09 May 2024

Contributed by Lukas

Chan Hellman was nearly suicidal until someone in his life gave him hope. Now, he works to spread it to others. As the founding Director of The Hope ...

Answering Your Top Retirement Questions: Part 2

02 May 2024

Contributed by Lukas

On today’s episode, Wes welcomes Producer Mallory to the studio to tackle more questions from the hypothetical Retire Sooner conference. They analyz...

Tweaking Your Anxiety Settings with Dr. John Delony

25 Apr 2024

Contributed by Lukas

We live in a 21st-century world, and our brains haven’t quite caught up. They’re designed to look out for the Saber-toothed tiger, not a million d...

Retire Sooner Conference Part One: Are You Pushing A Mower Or Riding A John Deere Lawn Tractor?

18 Apr 2024

Contributed by Lukas

On today's episode, Wes is joined by Producer Mallory Boggs. They brainstorm the idea of holding a “Retire Sooner Conference” and answer some of t...

Financial Freedom For Expats with Edd and Cynthia Staton

11 Apr 2024

Contributed by Lukas

Edd and Cynthia Staton’s retirement plans were on track. Then, the 2008 Financial Crisis hit. Their careers disappeared, their home lost its value, ...