Claim OwnershipMoney Matters With Wes Moss
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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 — and backed by the Retire Sooner Team, the Money Matters podcast aims to continue the show's legacy of demystifying retirement finances. From dissecting the latest financial news to offering personalized answers to listener questions, the goal of Money Matters is to keep you informed and empowered. Our focus? Providing clear, actionable advice without the financial jargon to help 1 million families retire sooner and happier.
Join us in this exciting new chapter, and let's journey toward a financially secure and joyful retirement together.
43 Episodes
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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 and what it means for job-seekers and employers. They reflect on the hot stock market finally having some down days. They examine how different election outcomes have influenced the market. Finally, they delve into a Harvard Business Review article about a decade-long retiree study.
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 delve into the pros and cons of “private equity.”
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 birth rates and its potential to bring significant economic, social, and geopolitical consequences. But, they remind listeners that, fortunately, the U.S. is still seeing population growth, partially from immigration, and will likely continue to for the foreseeable future. Finally, they dig deep into Wes's five reasons for being bullish about the United States.
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 week, which shows a record number of baby boomers reaching retirement age. And finally, with less than a month until the presidential election, they consider the Magnificent Seven swing states and reveal how S&P 500 performance has historically affected the outcome.
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, especially when the market is near all-time highs. Delving into market psychology, they provide insights into investing during periods of frequent new highs and touch upon the post-presidential election market performance, enhanced by key historical data and trends. Wrapping up with a nostalgic look at cultural moments and the unique recent weather in Atlanta, this episode offers a comprehensive overview for investors navigating today's dynamic financial landscape.
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 degrees statistically lead to higher earnings for their graduates. They examine a Wall Street Journal article about millionaires who decided to rent instead of buying their homes. They explore the public’s overall sentiment for the government. Finally, Connor shows Wes which election results have historically yielded the best market returns. Is it Republican or Democrat? The answer might surprise you.
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 statistics. Finally, they dig into a Barron’s article discussing the potential for a 5% retirement withdrawal rate.
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 and high interest rates thereafter. In today’s episode of the Money Matters Podcast, Wes admits that a sensible retirement strategy while accounting for unknown future world events can feel overwhelming. However, he believes utilizing the foundational principles of the Retire Sooner community can help increase your probability of achieving the financial freedom that many happy retirees enjoy.
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 demand for sausage. They mention Jerome Powell’s recent speech and then do a deep dive on The Wall Street Journal’s negative article about the 60/40 portfolio and 4% Rule.
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 boost in supply and how high mortgage rates have kept people in their homes. They delve into a recent and sizable job number revision from the Bureau of Labor Management. They discuss the overall work-from-home trend and how it looks now in 2024. They talk about the difference between re-election and open-election years and their effects on the stock market. They touch on the importance of core pursuits for happy retirees, and Wes asks Connor what his are. They stress how participation (time in the market) is much more crucial than trying to time the market perfectly. Finally, Wes shares the news about the new Happy Retiree Planner.
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 “Death Tax” and speculate about the Fed’s probability of lowering interest rates at its September meeting. Finally, they delve into market history to see what matters more: participation or perfection.
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 rise in unemployment numbers and whether that might mean the Federal Reserve is behind the curve on cutting interest rates. Finally, with this in mind, they hypothesize what an interest rate drop could mean for America's housing challenges.
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 are awarded by their home country. Wes and Connor have pulled research on how political events impact market performance over time for investors. They conclude by reiterating the foundational principles of investing.
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 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, they do a deep dive into the Russell 2000 Index, exploring companies and comparing market caps to those on the S&P 500. Finally, they pull back the curtain on a brand new Taco Bell retirement community opening in San Diego, CA.
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 numbers vs. the past two years, and analyze how disinflation and lower overall inflation might mean the Fed is one step closer to lowering rates. Finally, they remind listeners that no matter where the market sits, history demonstrates perfection attempts are typically riskier than allowing patience and participation to produce results.
In today’s episode, Wes delves into the financial aspects of retirement, focusing on the 4% rule formulated by William Bengen. This rule suggests that retirees who withdraw 4% of their portfolio in the first year and adjust for inflation annually can have a sustainable retirement, provided their portfolio has a 50-75% stock allocation. Wes explores the feasibility of a higher withdrawal rate, specifically 6%, by weighing the pros and cons and estimating success probabilities, aiming to help listeners maximize spending without exhausting their savings.
Later, Dr. Dawn Carr, a renowned sociologist and gerontologist, shares insights on maintaining youthfulness in old age. She emphasizes practical solutions for enhancing social health and cognitive complexity in daily activities. Dr. Carr’s advice includes having close friends, engaging in mentally stimulating activities, and ensuring adequate sleep to prevent cognitive decline. Her approach offers actionable steps to enjoy the aging process and maintain vitality.
In the first half of this episode of Money Matters, host Wes Moss 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 receiving Social Security outside the U.S. surged 40% between 2007 and 2017. Now seen as experts in expat retirement, the Statons have authored best-selling books, featured in major media, and run an online program called Retirement Reimagined!
And later, a National Institute on Retirement Security report shows 79% of Americans believe there is a retirement crisis, with over half concerned about achieving financial security. On a recent episode, Wes illustrates how self-discipline, savings, and time can help overcome retirement challenges, suggesting that happiness and financial freedom may be more attainable than many think.
Capital Investment Advisors’ Chief Investment Officer Connor Miller joins Wes in the studio for today’s episode. They delve into the latest information on the Tesla rental car situation. They contrast the state of the economy with public sentiment. They also share a strategy that often helps combat inflation. They cite the Copenhagen City Heart Study’s findings about the sport of tennis and how it’s been shown to increase human lifespan. Finally, Wes breaks down the wisdom of tennis champion Roger Federer’s recent words and compares his winning rate to that of the stock market.
CIA’s Wealth Management Analyst, Jeff Lloyd, joins Wes for today’s installment. They discuss Atlanta’s hot temperatures, Father’s Day, and Taylor Swift’s economic impact. Then, they confer about the most recent consumer prices and analyze what’s gone up or down. They talk about tipping protocol, then Chick-fil-A, and transition into examining Waffle House’s hourly wages. Finally, Wes talks about using dividends as cash for retirement.
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