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Artwork for Retire Sooner

Retire Sooner with Wes Moss

Wes Moss
Retirement Planning
Retirement
Investment Strategies
Financial Planning
Social Security
Stock Market
Inflation
Happiness
Roth IRA
Financial Independence
Dividends
Socialization
S&P 500
Aging
Interest Rates
Artificial Intelligence
Investing
Market Trends
Consumer Spending
Retirement Savings

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 you... more

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Artwork for Retire Sooner

Latest Episodes

How can you protect your retirement accounts, evaluate investment options, and separate stock market patterns from market myths? Join Wes Moss and Christa DiBiase on the Retire Sooner Podcast for an educational conversation about account security, re... more

Retirement is about more than your net worth. In this listener Q&A episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase discuss Roth IRA conversions, retirement withdrawals, empty-nest moves, and the personal side of life after leaving ... more

Cut through noisy financial headlines on this episode of the Retire Sooner Podcast with Wes Moss and Christa DiBiase as they seek to make retirement planning less overwhelming. Explore retirement income, investing, taxes, Social Security, insurance, ... more

Do you find rising interest rates, bond-market swings, healthcare costs, and retirement account rules overwhelming? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase help bring the headlines down to earth, exploring retiremen... more

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Recent Guests

Christa DiBiase
Studio guest discussed in opening
Episode: How to Retire Sooner: The Rule of 55, 4% Rule, Roth Conversions, and the Keys to a Happier Retirement
Clark Howard
Guest on retirement and investing discussion
Clark Howard, The Clark Howard Show
Episode: Clark Howard Joins Wes Moss to Take On Your Toughest Retirement Questions
Christa DeBias
Financial advisor with experience working alongside Clark Howard
Episode: Should You Still Buy a Home? + 5 Financial Planning Essentials You Can’t Ignore
Maddy Dychtwald
Co-founder of Age Wave, national best-selling author, and public speaker on longevity and aging.
Age Wave
Episode: Riding The Age Wave with Maddy Dychtwald
Dr. Riley Moynes
Expert in retirement planning and author
Episode: How To Squeeze The Most Juice Out Of Retirement With Dr. Riley Moynes
Dr. Dorian Mintzer
Psychologist and retirement coach, author of 'The Couple's Retirement Puzzle'.
Revolutionized Retirement
Episode: Revolutionize Your Retirement with Dr. Dorian Mintzer
Will Harlow
Physiotherapist and author specializing in health for older adults.
HT Physio
Episode: Thriving Beyond 50 With Will Harlow
Dr. Daniel Crosby
Behavioral finance expert and author
Various publishing works, including 'The Laws of Wealth' and 'Soul of Wealth'
Episode: Decoding Market Psychology with Dr. Daniel Crosby
Elizabeth Miller
Caregiver advocate and founder of Happy Healthy Caregiver.
Happy Healthy Caregiver
Episode: Caring For Caretakers with Elizabeth Miller

Hosts

Wes Moss
Host of Retire Sooner; financial educator and author; leads discussions on retirement planning and the Retire Sooner Method.
Christa DiBiase
Co-host guiding discussions; frequent in-studio presence and audience Q&A facilitator on fiduciary and retirement topics.

Reviews

4.4 out of 5 stars from 551 ratings
  • Good financial show.

    It’s a good financial show, particularly for Americans as he discusses specific American vehicles. However, as a Canadian, I do find it somewhat beneficial.

    Apple Podcasts
    5
    GoExpos!
    Canada2 months ago
  • Retirement curveballs

    Love the May 28 episode on forced early retirement taxes and market volatility. Wes does an incredible job highlighting how fragile Corporate timelines can be and why people need a clear action backup strategy when life throws a curveball. As someone who had a to execute a high speed Financial reset after an unexpected care exit I really appreciate the research and practical advice. Outstanding show!

    Apple Podcasts
    5
    Compass Navigator
    United States3 months ago
  • Great but ditch Christa

    Great content but Christa is annoying. I stopped listening to clark after many years because I can’t stand her pretentiousness. Now I can’t listen to Wes

    Apple Podcasts
    3
    not happy psss off
    United States3 months ago
  • Don’t Trust Wes👎🏼🤢

    When Trump rants in the middle of the night or posts racist memes, you can thank Wes Moss.

    Wes helped Donald Trump found Truth Social. Wes helped build the current environment we live in.

    That’s all you need to know.

    Apple Podcasts
    1
    GEFtheMongoose
    United States5 months ago
  • Tom

    I appreciate Wes Moss seems kind, knowledgeable, and professional. But I would recommend you calm down about your discussion about Core pursuits ; at one point in the podcast you said something like if you’re not filling your schedule with a whole bunch of different core pursuits; you just won’t be a happy retiree. I just think you should diverse human experience of diverse human needs more that

    Apple Podcasts
    4
    tom in Rochester
    United States5 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

A mix of praise for practical retirement guidance and skepticism around host affiliations or guest dynamics.
Listeners value the actionable math and framework; some critique co-host dynamics.
Overall, the show is appreciated for clear, data-driven retirement planning with emphasis on happiness and sleep.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

Is Your Retirement Account at Risk? AI Security, Roth Conversions, and Market Myths
Q: Would 2027 or 2028 be a good time to start doing Roth conversions?
Moss recommends considering conversions in 2028, when the listener expects income to fall, and spreading them over time while keeping taxable income within a chosen tax bracket. He advises confirming the specific amounts with a CPA.
Is Your Retirement Account at Risk? AI Security, Roth Conversions, and Market Myths
Q: What should we do with our savings over the next three years? Should we keep most of the $80,000 in money market knowing we'll need a significant amount for tuition or should we start putting some of it into ETFs for long-term investing?
Moss says to keep enough in an emergency fund and reserve savings needed for tuition, but if income covers tuition, invest some of the remaining money in broad index funds for the long term. DiBiase also raises the possibility of using Georgia's 529 plan for its state tax deduction.
Beyond Net Worth: Roth IRA Rules, Retirement Withdrawals & Happiness
Q: Can you please explain the two five year rules for Roth IRAs?
Moss explains that a Roth account generally must have been open for five years before converted or rolled-over money can be withdrawn under the relevant account-age rule. Since the questioners' Roth IRAs had been open for more than ten years, he says that requirement was already satisfied.
Beyond Net Worth: Roth IRA Rules, Retirement Withdrawals & Happiness
Q: If I specify $25,000 to be withheld for taxes and 75K to be rolled into the Roth, doesn't that satisfy the IRS without having to use money from another source to pay the taxes?
Moss says the withholding pays the tax bill, but the entire $100,000 conversion remains taxable. Paying the tax from another account lets the full converted amount grow in the Roth; withholding leaves only $75,000 there.
High Yields, Big Retirement Questions: What Should You Consider?
Q: What should a retiree consider regarding HSAs as discussed in the episode?
Stack HSA money when possible, invest it for long-term growth if feasible, and use it for healthcare costs in retirement to maximize tax advantages and liquidity.

Audience Metrics

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Frequently Asked Questions About Retire Sooner

What is Retire Sooner about and what kind of topics does it cover?

A practical retirement-focused show that blends money rules with lifestyle planning. Episodes center on actionable strategies like Roth conversions, bucket investing, Social Security timing, and the Retire Sooner Method, all framed around reducing money anxiety while increasing happiness in retirement. The format often features listener Q&As and guest discussions aimed at building a flexible, multi-pillar plan (finances, sleep, social connections, and purpose) for not just retiring sooner, but living well along the way. A few recurring themes stand out: avoiding simplistic blueprints, emphasizing long-term planning, and promoting a holistic view of retirement that includes health, sleep, and relationships. A notable strength is translating ... more

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Which podcasts are similar to Retire Sooner?

These podcasts share a similar audience with Retire Sooner:

1. The Clark Howard Podcast
2. Retirement Answer Man
3. Retirement Starts Today
4. Stay Wealthy Retirement Podcast
5. Talking Real Money - Investing Talk

How many episodes of Retire Sooner are there?

Retire Sooner launched 12 years ago and published 330 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Retire Sooner?

Recent guests on Retire Sooner include:

1. Christa DiBiase
2. Clark Howard
3. Christa DeBias
4. Maddy Dychtwald
5. Dr. Riley Moynes
6. Dr. Dorian Mintzer
7. Will Harlow
8. Dr. Daniel Crosby

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