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 in ...
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Since its debut in 1992, Money Matters was created to deliver objective and timely financial advice on WSB, Atlanta's legendary, award-winning news/talk radio station. Now, in addition to airing weekly on WSB, Money Matters is available as a podcast, tailor-made for both modern retirees and those still in the planning stages. Hosted since 2009 by Wes Moss — CERTIFIED FINANCIAL PLANNER™, best-selling author, Forbes contributor, and managing partner at Capital Investment Advisors in Atlanta — ...
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On today’s episode of Money Matters, Wes dives into the top ten trends that he anticipates will define 2025 for investors, starting with resilience in the markets and economy, the dominance of the consumer, and a surge in productivity fueled by emerging technologies like AI. Producer and co-host Jeff Lloyd analyzes what these trends mean for invest…
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5 Keys To Be a Successful Investor and Listener Q&A
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On today's episode of the Retire Sooner Podcast, we dive into the essential pillars for seeking to achieve financial freedom and a fulfilling retirement. Wes outlines five key strategies that may contribute to long-term success: prioritizing stocks, embracing massive diversification, practicing patience and longevity, navigating today's investing c…
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10 Lessons From Hosting The Retire Sooner Podcast
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Money Matters co-host and producer Jeff Lloyd joins Wes in the studio. Wes instills the top 10 happy retiree lessons he’s learned from his guests while hosting the Retire Sooner podcast.Wes Moss による
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How Retirees Can Optimize Their Social Security Benefits with Mary Beth Franklin
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Whether you’re 25 or nearing retirement age, you’ll learn something new about how to maximize social security and plan for the future in today’s show. Wes introduces you to Mary Beth Franklin, one of the country’s leading specialists on social security and Medicare and a popular guest on Wes’s Retire Sooner podcast. In this conversation, Mary Beth …
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The Details Behind What The Happiest Retirees Know
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During this episode, Wes shares details from his new book, What The Happiest Retirees Know: 10 Habits for a Healthy, Secure, and Joyful Life. He also explains how he collected his research and studies for the book, why he studies happy and unhappy retirees, and what we can learn from happy retirees. He gives additional insights into the habits of t…
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Latest Market Trends, Inflation Update, And Bill Belichick’s New Coaching Salary
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On today’s episode of Money Matters, Wes is joined by co-host and producer Jeff Lloyd. Wes exalts his alma mater, the University of North Carolina, for hiring Bill Belichick. That leads them to discuss the rising salaries of college coaches and the rapid growth of NIL money for athletes. Next, they review the latest market trends, including a new a…
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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 hottest and latest trends. You don’t fully believe him, but it still makes you feel a bit of dread at the thought of being left behind. On this episode of the Retire Sooner Podcast, Producer Mallory joins Wes in …
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FOMO Freddy, Jim Cramer’s Pizza, and Productive Financial Strategies
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Producer and Co-host Jeff Lloyd joins Wes in the studio on today’s episode. They dig into smart financial habits such as avoiding impulsive decisions and staying disciplined in investing. They examine the importance of resisting unnecessary purchases, practicing patience with investments, and avoiding the trap of "FOMO Freddy"—chasing past winners …
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Riding The Age Wave with Maddy Dychtwald
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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 while adding in more nutritious, boring ones. While it never seemed overly complicated, it also didn’t sound very fun. Today’s guest flipped that script. According to Maddy Dychtwald, a healthy mindset can…
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Financial Freedom For Expats with Edd and Cynthia Staton
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In today’s episode of Money Matters, Wes is joined by Edd and Cynthia Staton. Their retirement plans were disrupted by the 2008 Financial Crisis, leading them to create a Plan B. In 2010, they moved to Cuenca, Ecuador, where they enjoy a comfortable and affordable lifestyle. Their experience reflects a broader trend: the number of retirees receivin…
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Wes is joined in the studio by co-host and Producer Jeff Lloyd on today’s episode of Money Matters. Compiling a list of what the Retire Sooner Team is thankful for this year, they mention the myriad of S&P 500 all-time highs. Then, they show gratitude for a less top-heavy market, as equity earnings have spread beyond the Magnificent Seven into smal…
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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 bank CEO, and two very different retirees to find the overlapping characteristics of each. According to Dr. Wendy Suzuki, professor of Neural Science and Psychology at New York University, the unifying…
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Historical Market Highs, Housing Logjams, Treasury’s TGA, and One Impressive Retirement Life Map.
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Wes is joined today by co-host, producer, and new Uncle Jeff Lloyd. They toss out the pumpkins, string up the holiday lights, and examine the plethora of recent market highs. For perspective, they chart market returns dating back to William McKinley in 1896. Next, they dig into the housing market and discover a concerning revelation. But, they poin…
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How To Squeeze The Most Juice Out Of Retirement With Dr. Riley Moynes
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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 future. It’s a typical age for that concern to creep in, especially once a person feels financially secure. Now that you can take your foot off the gas a little bit, where should you steer the vehicle? Dr.…
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Election Results, A Certainty Pop, And What It All Means For Future Retirees
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On today’s episode of Money Matters, Wes welcomes Connor Miller, Capital Investment Advisor’s Chief Investment Officer, to join him for financial analysis about the recent presidential election. They point to inflation as a probable motivation for a large swath of voters looking to make a change. They examine initial market reactions, including a “…
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Retire Without Regrets: A Harvard Business Review Longitudinal Study
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Our Retire Sooner Team has been researching, studying, and writing about happy retirements for years, so there aren’t many aspects we haven’t considered. But every once in a while, a new study grabs our attention. The latest, Retire Without Regrets, from the Harvard Business Review, used a longitudinal study to examine the gap between retirement ex…
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Election Indicators, Market Predictions, Stem Cell Research, and Staying Invested
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Co-host and Producer Jeff Lloyd joins Wes on today’s episode of Money Matters to deliberate election indicators, market predictions, advances in stem cell research, and the impact of daylight savings and inflation on everyday life. They assess predictive tools like S&P 500 performance, the Misery Index, and the rising popularity of betting markets.…
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Revolutionize Your Retirement with Dr. Dorian Mintzer
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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 the work, but turning the ship around or veering in a different direction takes planning, effort, discipline, and patience. If that sounds daunting, don’t worry. Today’s guest can help. Dr. Dorian Mintz…
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Halloween And Housing Economics, Election Outcomes, And The Harvest Business Review’s Article About Retirement
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Money Matters Co-host and Producer Jeff Lloyd joins Wes on today’s show. They jump into the economics of Halloween spending vs. holiday spending. They review the misery index and where it currently stands. They discuss the housing log jam, existing home sales, and how interest rates contribute to those outcomes. They dig into the unemployment rate …
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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 than other pollster findings in similar surveys. Those revealed that 48% of voters in 2016 and 53% in 2012 felt reasonably assured of their opportunities for a prosperous future. In other words, more…
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The Dow Goes High, New 401(k) Limits, And Closer Look At Private Equity
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Connor Miller, Chief Investment Officer for Capital Investment Advisors, joins Wes to review the week’s essential financial headlines. They analyze the Dow ending the session above 43,000 for the first time, how US Retail Sales seem to imply that the US Consumer is strong, the most recent bank earnings analysis, and new 401(k) limits. Finally, they…
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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. But as time passed, little things started to go wrong. A scratch here. An odd noise there. You took it to the shop for repairs, but eventually, you had to buy a new one. The same thing happens to our bodi…
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The CPI Report, Global Birth Rate Concerns, And Wes's Five Reasons For Being Bullish About The United States
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Wes is joined in the studio by Connor Miller, Chief Investment Officer for Capital Investment Advisors. They review the underperforming jobs report. They deliberate the cumulative effect of inflation and how that might usher in negative vibes despite encouraging CPI numbers. They explore the Wall Street Journal’s article about the global decline in…
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3 Lessons For Investors: What Would John Bogle Do?
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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 should be Jack Bogle.” By creating index investing, the Vanguard Group founder helped to provide investors with a streamlined and low-cost way to buy broader market-tracking mutual funds. Though he died in 2…
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Presidential Market Performance, Q3 Review, Fruit Loops Ban, And The Peak 65 Stat Of The Week
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Investment advisor and regular co-host Jeff Lloyd joins Wes on today’s episode of Money Matters. They delve into the week's latest news, including scary headlines and California banishing Froot Loops from school cafeterias. They dig into Q3 and explore housing challenges, such as inventory and mortgage rates. They inspect the “peak 65” stat of the …
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Decoding Market Psychology with Dr. Daniel Crosby
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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 says the behavioral side is perhaps even more critical. How we think about money can significantly impact our journey to financial freedom in retirement. But where exactly is that intersection of mind and …
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Impact of the Fed Rate Cut: What History Says Happens With Stocks, Bonds, and Cash Investments After Rate Cuts
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In this episode of "Money Matters," hosts Wes Moss and Jeff Lloyd dive deep into the impact of the recent Federal Reserve rate cut on various asset classes, including stocks, bonds, and cash. Amid discussions on the returns in the bond market, Wes and Jeff also explore historical trends, showing how the S&P 500 often rises after Fed rate cuts, espe…
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How the Fed's Rate Cut Could Impact Income Investors + A Deep Dive into Income Investing Strategy
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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 Retire Sooner, Wes Moss breaks down the 0.5% interest rate cut announced on September 18th and what it could mean for income investors. Plus, we revisit our popular episode, “Income Investing: The Proce…
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Fed Rate Cuts, University Degree Efficacy, Millionaire Renters, And Election Result Market Returns
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Wes is joined by CIA’s Chief Investment Officer Connor Miller on today’s episode of Money Matters. They discuss the significant news about the Fed cutting interest rates. They probe a study showing that 41% of Americans report peak stress conditions, though the misery index fell slightly from last year. They dive into a list of which university deg…
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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? Is there someone we can ask? On today’s episode of the Retire Sooner Podcast, Wes sits down with author and Certified Caregiving Consultant Elizabeth Miller. Elizabeth’s experiences caring for her agi…
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Inflation Softening, Election Uncertainty, Apple Stats, And A 5% Retirement Withdrawal Rate
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Wes is joined by Money Matters Producer Jeff Lloyd. They delve into current events affecting Americans—U.S. inflation softening as the Federal Reserve prepares to cut interest rates, the latest mortgage figures, and how election uncertainty may be influencing the stock market. Then, they use the new iPhone 16 announcement to examine Apple’s statist…
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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% retirement withdrawal rate could lead to ‘catastrophic’ outcomes. Wes concedes the author’s point about market unpredictability but rebuts such a gloomy hypothetical. He points to the potentially destructive con…
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Foundational Investment Principles of the Retire Sooner Community
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Americans have faced immense financial challenges in the past two-plus decades. The Dotcom Bubble sent stock prices down nearly 50% between 2000 and 2002, the Great Recession and Housing Crisis of 2007-2009 cratered stocks more than 55%, and theCOVID-19 Pandemic and shutdowns sent stocks tumbling 30% in a month’s span and led to massive inflation a…
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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 like a lukewarm wine cooler? On today’s episode of the Retire Sooner Podcast, Wes sits down with Dr. Alan Castel to delve into how we might be able to improve our own aging process. A Professor in UC…
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Labor Pride, Nvidia Buyback Parties, Sausage Demand, And Time-Honored Investment Strategies
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On today’s episode of the Money Matters Podcast, Wes is joined by producer Jeff Lloyd. They celebrate the Army of American Productivity and workers everywhere in honor of Labor Day. They look toward Q4 by summarizing Nvidia’s recent $50 billion stock buyback, reviewing the handful of trillion-dollar companies, and inspecting a story about pent-up d…
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Foundational Investment Principles of the Retire Sooner Community
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Americans have faced immense financial challenges in the past two-plus decades. The Dotcom Bubble sent stock prices down nearly 50% between 2000 and 2002, the Great Recession and Housing Crisis of 2007-2009 cratered stocks more than 55%, and theCOVID-19 Pandemic and shutdowns sent stocks tumbling 30% in a month’s span and led to massive inflation a…
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The Fed, Bulldog Inflation, Housing and Jobs, Market Participation, and the Happy Retiree Planner
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Wes is joined by Capital Investment Advisor’s Chief Investment Officer, Connor Miller, on today’s episode. They explore The Federal Reserve’s latest actions, including Chair Jerome Powell’s speech at the Jackson Hole Symposium. They probe the timing of inflation vs. Georgia Bulldog championships. They pore over housing data, including a significant…
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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, author of “Great Pajama Jobs: Your Complete Guide To Working From Home.” Between that and the dozen other books she’s published, Kerry is a renowned professional on careers, entrepreneurship, and financial planni…
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Carry Trade, The Death Tax, and Participation vs. Perfection
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Wes is joined by Capital Investment Advisors Wealth Management Analyst Jeff Lloyd on today’s episode of Money Matters. They analyze the latest financial headlines to contextualize the recent global market sell-off. Was it all about economic data or a consequence of the so-called “Carry Trade?” Next, they scrutinize the recent attention paid to the …
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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 lower inflation but negatively affected the housing market and unemployment rate. Wes acknowledges that the specific challenges can differ for each market downturn but reassures listeners that productive reactio…
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Handling Market Sell-Offs And What The Federal Reserve Might Do With Interest Rates
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On today’s episode of the Money Matters Podcast, Wes is joined by Capital Investment Advisors Wealth Management Analyst Jeff Lloyd. They dig into the recent market crash, view it from a historical perspective, and examine productive ways investors can handle typical market sell-offs in their retirement planning process. They evaluate the recent ris…
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The Scientific Significance Of Fun With Mike Rucker
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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 behavior triggers the release of oxytocin in our body. That’s the love hormone, and it’s crucial for happiness. We’ve all had that nagging feeling that we need to spend more leisure time with friends an…
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The Reawakening of the Stock Market: Shifting Away from Tech Dominance
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In this episode of Money Matters, hosts Wes Moss and Connor Miller discuss the recent broadening out of the stock market, with smaller companies and a wider range of sectors outperforming the previously dominant large tech companies. Wes and Connor also touch on a variety of other topics, such as the ongoing Olympics and the prizes that medalists a…
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Revisiting How To Stay A Millionaire, And Other Lessons from The Millionaire Next Door
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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 accurate. Producer Mallory Boggs joins to discuss this latest variant of what authors Thomas Stanley and Bill Danko originally coined, The Millionaire Next Door. They elaborate on five habits that this cohor…
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10 Lessons Learned From The Retire Sooner Podcast
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Capital Investment Advisors’ Wealth Analyst Jeff Lloyd joins Wes in the studio. Wes instills the top 10 happy retiree lessons he’s learned from his guests while hosting the Retire Sooner podcast.Wes Moss による
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Parkour and Pickleball: Tips on Active Aging with Erin Eleuterio
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In this actionable episode of Retire Sooner, Wes Moss sits down with Erin Eleuterio to explore the importance of physical activity for older adults. Erin shares her unique techniques, like parkour-based fall resiliency training, to help people in their 70s and 80s stay strong and recover from falls. They discuss the benefits of programs such as Sil…
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401(k) Investor Profiles, Bias, Rebalancing, The Russell 2000 Index, and a Taco Bell Retirement Community
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Wes is joined today by Jeff Lloyd, Wealth Management Analyst for Capital Investment Advisors, for a special show on the road in Michigan! They discuss reversion to the mean and then cover the four main types of 401(k) investor allocation “profiles.” Wes then examines confirmation and recency bias and how rebalancing might provide a change. Then, th…
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Revisiting Three Investing Keys to Help Retirees Sleep Well at Night
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On today’s episode, we ponder the question, “Can money buy happiness?” The answer might surprise listeners, and Wes borrows the words of best-selling author Morgan Housel to help discuss the positive and negative psychological effects money can have on retirees. Wes then uses his own “Bucket System” analogy to explain income investing and how three…
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Summer Travel, Disney, Apples, Inflation, Disinflation, and Participation vs. Perfection
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Capital Investment Advisors Wealth Management Analyst Jeff Lloyd joins Wes on today’s show to wade through the financial issues affecting people in today’s environment. First, they zoom in on the summer’s booming travel industry, including eye-opening Disney statistics. Then they take a bite of some tasty apple data, pour over today’s inflation num…
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Spending Our Anxieties: The Motivations Of Financial Decision-Making With Christine Moriarty
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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. Today’s guest, Christine Moriarty, has dedicated her life to finding harmony between the two. Christine isn’t the typical CERTIFIED FINANCIAL PLANNER™. Despite her finance degree and MBA in Entrepreneur…
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