Full Show: Why This Retired Couple Is Still 70% in Stocks and Will the Fed Start Lowering Rates? | Clark Howard Video

A retired couple in their 80s has big pensions, no debt, and a significant amount of their portfolio in stocks. While traditional wisdom suggests being more conservative with age, find out why they have an “infinite time horizon,” as fiduciary financial advisor Wes Moss explains. Also, the Federal Reserve is the engine of the U.S. economy, and its decisions on interest rates have massive ripple effects, from the housing market to your savings account. With the latest inflation and jobs reports suggesting a cooling economy, Wes explains why we may be at the end of the "higher for longer" era. He also provides a critical heads-up for savers.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 19, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: link

00:00 - Intro
01:34 - Why This Retired Couple Is Still 70% in Stocks
08:36 - Ask an Advisor - Will the inverted yield curve cause a recession, and what are the best recession-proof stocks? (Renee in New York)
13:28 - Ask an Advisor -Why does Wes say U.S. stocks make up 20% of global markets when most data shows closer to 60%? (Nate)
16:20 - Ask an Advisor - Should I take my employer pension as a lump sum or monthly payments in retirement? (Alvin in Wisconsin)
18:28 - Will the Fed Start Lowering Rates?
25:57 - Ask an Advisor - How can a couple in their 20s catch up on retirement savings after paying off debt? (Marcus in Arizona)
31:00 - Ask an Advisor - Is an irrevocable trust the best way to protect a home from nursing home costs, or are there better options? (Jerry in Ohio)

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