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.
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Foundational Investment Principles of the Retire Sooner Community
Season 1 · Episode 36
Tuesday, September 10, 2024 • Duration 46:48
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.
The Fed, Bulldog Inflation, Housing and Jobs, Market Participation, and the Happy Retiree Planner
Season 1 · Episode 34
Tuesday, August 27, 2024 • Duration 01:07:08
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.
Carry Trade, The Death Tax, and Participation vs. Perfection
Season 1 · Episode 33
Tuesday, August 20, 2024 • Duration 54:00
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.
Handling Market Sell-Offs And What The Federal Reserve Might Do With Interest Rates
Season 1 · Episode 32
Tuesday, August 13, 2024 • Duration 55:57
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.
The Reawakening of the Stock Market: Shifting Away from Tech Dominance
Season 1 · Episode 31
Tuesday, August 6, 2024 • Duration 52:40
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.
10 Lessons Learned From The Retire Sooner Podcast
Season 1 · Episode 30
Tuesday, July 30, 2024 • Duration 53:38
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.
401(k) Investor Profiles, Bias, Rebalancing, The Russell 2000 Index, and a Taco Bell Retirement Community
Season 1 · Episode 29
Tuesday, July 23, 2024 • Duration 01:05:44
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.
Summer Travel, Disney, Apples, Inflation, Disinflation, and Participation vs. Perfection
Season 1 · Episode 28
Tuesday, July 16, 2024 • Duration 47:00
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.
7/9/27 -- A 6% Withdrawal Rate: Crazy or Possible? / How To Stay Young As We Age with Doctor Dawn Carr
Season 1 · Episode 27
Tuesday, July 9, 2024 • Duration 57:05
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.