Full Show: Are You Richer Than You Think? and This Little-Known Strategy Can Save You a Ton in Taxes | Clark Howard Video
Do you feel rich? Fiduciary financial advisor Wes Moss breaks down how to calculate your “rich ratio” and reveals surprising signs you're wealthier than you realize. Plus, discover the little-known NUA rule – a potential tax-saving strategy that could save you thousands on your 401(k)!
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 29, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: link
00:00 - Intro
01:04 - Are You Richer Than You Think?
08:24 - Ask an Advisor - Do we need a taxable brokerage account if we’re retiring at traditional ages with pensions and IRAs? (Kevin in OH)
13:15 - Ask an Advisor -Can choosing a later Target Date Fund balance out its overly conservative allocations? (Glenn in TX)
15:39 - Ask an Advisor - Do Schwab or Fidelity charge extra to buy Vanguard mutual funds in a brokerage account? (Aaron in OH)
18:46 - This Little-Known Strategy Can Save You a Ton in Taxes
24:42 - Ask an Advisor - Should we switch from a Florida teacher Investment Plan to a Pension Plan for guaranteed income—or stay invested? (Michael in FL)
27:42 - Ask an Advisor - Should I treat my Railroad Retirement pension like a bond and go all-in on growth ETFs in my IRAs? Also, If I can retire with full Railroad benefits at 60, does it still make sense to delay for higher lifetime payouts? (Nathan in LA)
Clark.com: Advice You Can Trust:
SUBSCRIBE: link
Listen To The Clark Howard Podcast: link
Apple Podcasts: link
Spotify: link
iHeartRadio: link
Follow Us for More Money Tips:
Website: link
Podcast: link
Newsletter: link
Instagram: link
Facebook: link
Need Consumer Advice?
The Consumer Action Center is a free resource for advice on money and consumer issues. Call 636-49C-LARK (636-492-5275) and a member of Team Clark will assist you as soon as possible. The Consumer Action Center is available Monday-Friday from 10 a.m. to 4 p.m. ET.
If you found this video valuable, give it a like.
If you know someone who needs to see it, share it.
Leave a comment below with your thoughts.
Add it to a playlist if you want to watch it later.
Our Promise to You:
At Clark.com and ClarkDeals.com, we do not get paid for endorsements or reviews of any product or service, nor do we allow advertisers to place paid content on our sites. More information: link
