Full Show: The Secret to Affordable Healthcare & Will Mortgage Rates Go to 5% Soon?

Описание: Wes Moss reveals a critical, little-known healthcare secret that can save early retirees, job-leavers, and other Americans thousands of dollars a month on medical coverage before age 65. Hear the incredible story of Rebecca, who thought she was stuck paying $2,500/month for COBRA but discovered a way to slash her premium to less than $200 through the ACA, thanks to enhanced subsidies. Wes walks through how to use free resources to save big. Also, Wes breaks down the latest Fed rate cut and explains why it may not mean cheaper mortgages.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 23, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: https://clark.com/ask

00:00 - Intro
01:51 - The Secret to Affordable Healthcare
12:00 - Ask an Advisor - How do you really know when it’s time to retire, especially when retiring earlier may mean higher health insurance costs but more quality time with a much older spouse? (Jeanie in Arkansas)
15:53 - What are principal protected notes, and are they appropriate inside a traditional IRA? (Joy in Pennsylvania)
18:25 - Ask an Advisor - If I’m overfunded for retirement, how should I de-risk the money I need while investing the rest more aggressively for heirs and charities? (Rich in Arkansas)
24:50 - Will Mortgage Rates Go to 5% Soon?
33:35 - Ask an Advisor - Does it ever make sense to take Social Security early and invest it instead of waiting until 70, even if you don’t need the income? (Doug in Ohio)
33:56 - Ask an Advisor - When maintaining a 60/40 allocation in retirement, should post-tax brokerage and cash holdings be included in the overall asset mix? (Steve in South Carolina)
38:41 - Ask an Advisor - Am I overlooking any risks or blind spots in my plan to retire at 43, live overseas, and bridge income until my pension begins at age 50? (Almost-Free Freddie in Illinois)


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