Retire Sooner with Wes Moss

Looking for clear context around today’s most talked-about retirement planning issues? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase present an educational discussion covering healthcare planning, retirement income considerations, Social Security decisions, and how current economic conditions are commonly framed in retirement conversations. • Review current healthcare enrollment periods, including Affordable Care Act considerations, and why coverage timing is often discussed by early retirees. • Illustrate a real-world healthcare planning example that examines estimating and managing medical costs before age 65 using publicly available comparison tools. • Explain recent healthcare policy changes by outlining how subsidy rules and updated federal poverty thresholds are referenced in retirement healthcare planning. • Contextualize recent Federal Reserve rate cuts by discussing how interest-rate changes are typically viewed in relation to mortgages, housing activity, and broader economic conditions. • Address listener questions by outlining commonly discussed considerations around retirement timing, asset allocation approaches, principal-protected notes, and early retirement trade-offs. • Compare Social Security claiming considerations by reviewing trade-offs associated with different filing ages based on individual circumstances. • Clarify how taxable, tax-deferred, and tax-free accounts are often viewed together when discussing overall portfolio allocation. • Share perspectives from retirees on aligning lifestyle goals—such as travel, part-time work, or relocating abroad—with sustainable withdrawal planning discussions. • Reinforce why significant financial and healthcare decisions are commonly reviewed with qualified professionals before implementation. Interested in an educational retirement podcast focused on context, trade-offs, and long-term planning awareness? Listen to this episode and subscribe to the Retire Sooner Podcast for ongoing conversations designed to inform retirement planning decisions—not predict outcomes. Learn more about your ad choices. Visit megaphone.fm/adchoices

Looking for an educational overview of today’s most commonly searched retirement planning topics? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase provide context around retirement income planning, tax considerations, and widely referenced financial frameworks, helping listeners better understand how these concepts are typically discussed. • Review how Roth IRA conversions are generally evaluated and why converting an entire retirement account balance in a single tax year can materially affect taxable income calculations. • Explain how marginal tax brackets apply to large conversions and why simplified terms like “tax bomb” may not fully reflect how tax liability is determined. • Highlight considerations associated with forgotten or inactive 401(k) accounts and why consolidation is often discussed from an organizational or administrative perspective. • Examine how withdrawal flexibility prior to Social Security eligibility is commonly framed when discussing early-retirement income planning. • Outline factors frequently reviewed when evaluating whether life insurance coverage remains appropriate as family and financial circumstances change. • Clarify how Secure 2.0 legislation outlines limited 529 plan–to–Roth IRA rollovers, including applicable statutory rules, eligibility criteria, and contribution constraints. • Compare the traditionally cited 4% withdrawal framework with alternative retirement income scenarios that include pensions or guaranteed fixed-rate income sources. • Discuss how “dry powder” reserves are often described using bond ETFs or money market ladders within retirement planning conversations. • Evaluate the role small- and mid-capitalization stocks may play alongside large-cap equities within diversified, long-term portfolio discussions. • Reframe home value benchmarks in an inflationary environment while noting why mortgage status is often considered when assessing retirement readiness. Listen and subscribe to the Retire Sooner Podcast for ongoing discussions that explore retirement planning concepts, market context, and long-term financial considerations. Learn more about your ad choices. Visit megaphone.fm/adchoices

Gain a grounded, research-informed perspective on retirement planning in this episode of the Retire Sooner Podcast, where Wes Moss and Christa DiBiase examine the emotional, behavioral, and organizational factors that often influence how individuals approach life after work. This conversation highlights commonly referenced frameworks and planning considerations, offering context for listeners seeking to better understand the many moving parts of a thoughtful retirement process. • Explore the behavioral and psychological dynamics behind transitioning from a saver mindset to a spending mindset in retirement, including the frequently cited “millionaire’s paradox.” • Understand how creating a written retirement plan may help provide structure, along with why general withdrawal frameworks—such as the commonly referenced 4%+ rule—are used for discussion rather than as recommendations. • Consider approaches for maintaining emotional objectivity when making financial decisions throughout retirement. • Reflect on why some financial professionals continue working and how their experience may contribute to broader retirement-planning conversations. • Review the potential role a fiduciary or financial advisor may play in helping individuals identify common planning pitfalls, organize long-term strategies, and evaluate tax and estate considerations. • Identify widely used criteria for assessing whether a fiduciary advisor aligns with an individual's values, communication preferences, and planning philosophy. • Explore end-of-year tax-related considerations—including SALT limits, charitable deduction rules, HSAs, clean-energy credits, bonus depreciation provisions, and updates to 529 plan flexibility—while recognizing that tax implications depend on each household’s specific circumstances. • Evaluate the educational value some families see in establishing custodial investment accounts for children or grandchildren as part of broader financial learning. • Assess the administrative reasons some individuals review whether consolidating retirement accounts may support clearer oversight of their financial landscape. If you're interested in expanding your understanding of the factors that may shape retirement decision-making, this episode offers context to help you think through your own process. Listen and subscribe to the Retire Sooner Podcast for ongoing discussions centered on thoughtful, well-informed retirement planning. Learn more about your ad choices. Visit megaphone.fm/adchoices

Stay informed about today’s highly-searched retirement and financial planning topics in this new episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase. Gain clear, accessible context on economic trends, retirement rules, portfolio structures, and planning conversations that are shaping long-term decision-making discussions. • Explore how the proposed 50-year mortgage is influencing conversations around affordability, home-equity timelines, and shifting real estate structures. • Recognize how the K-shaped economy reflects differing financial experiences across households and shapes discussions about consumer sentiment and wealth-building patterns. • Clarify how mortgage leverage and ultra-long terms relate to borrowing structures, payoff timelines, and the considerations homeowners may evaluate. • Understand how equal-weighted investing frameworks are designed to help distribute exposure more evenly across sectors to address concentration awareness. • Review how equal-weighted and sector-weighted ETFs and mutual funds structure market exposure and present alternative allocation methodologies. • Assess the factors often discussed when evaluating early Social Security filing, especially when immediate income needs are already met. • Compare modeled scenarios that illustrate how different 401(k) contribution timelines can affect projected balances under various assumptions. • Examine informational considerations for highly compensated employees, including restoration plan structures, tax mechanics, and withdrawal rules. • Weigh the structural differences between W-2 and 1099 income in high-income medical professions, including taxation, liability frameworks, and benefits access. • Explore available approaches for high earners encountering Roth IRA limits, such as after-tax contributions, mega-backdoor Roth structures, and ETF allocation strategies. • Hear listener questions addressing savings habits, employer-plan options, and retirement-plan mechanics discussed in real-world scenarios. • Identify informational steps that may support ongoing awareness throughout different stages of retirement planning. If you want to stay current on the retirement conversations shaping today’s financial landscape, listen and subscribe to the Retire Sooner Podcast. Join Wes Moss, Christa DiBiase, and the Retire Sooner community for grounded, ongoing discussions aimed at helping listeners stay informed and intentional about long-term planning. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you prepared for the major life catalysts that may influence your retirement planning and long-term lifestyle? In this episode of the Retire Sooner Podcast, Wes Moss and Producer Mallory highlight key moments that can shape financial decisions, expectations, and overall well-being. • Explore how the “Retire Sooner Richter Scale” frames the relative influence of major life catalysts on retirement planning. • Recognize how family transitions—college milestones, caring for aging parents, or losing a spouse—may shift emotional, logistical, and financial considerations. • Consider how relationship changes, such as marriage, remarriage, or divorce, may alter household finances and planning priorities. • Evaluate how moving, home renovations, or major projects can temporarily affect budgets and long-term plans. • Embrace core pursuits, travel decisions, and lifelong learning as accessible ways to support purpose and engagement in retirement. • Assess job changes, early retirement offers, or selling a business as catalysts for reassessing benefits, income, and next-phase goals. • Acknowledge that inheritance may help, but generally works best as a supplemental planning element. • Track milestone ages—59½, 62, 65, 67, 70, 73—that align with key retirement, Social Security, and healthcare rules. • Explore “unretirement,” including part-time work or renewed professional involvement. • Monitor market conditions and potential tax law changes that may influence planning assumptions. • Prioritize reducing debt, including mortgages, to support long-term flexibility. • Anticipate long-term care needs and evaluate available coverage options. • Update estate documents—wills, trusts, and powers of attorney—as circumstances evolve. If you want a concise, research-informed overview of catalysts that may influence retirement readiness, this episode delivers meaningful context. Listen and subscribe to the Retire Sooner Podcast, and share it with someone who may appreciate clear, objective discussions around long-term financial planning. Learn more about your ad choices. Visit megaphone.fm/adchoices