Wes Moss breaks down a troubling shift in the American economy: the rapid decline of retirement confidence. Drawing on three decades of data from the Employee Benefit Research Institute (EBRI), Wes highlights a staggering trend where worker confidence has dropped in 2026. This pessimistic outlook is mirrored by the University of Michigan Consumer Sentiment index, which has hit an all-time historical low. Wes identifies the primary culprit. Also, Wes tackles the crucial question of who you should trust to manage your money during these uncertain times. He demystifies the industry by comparing financial advisors to peppers in a grocery store: while they may look identical on the outside, their “heat” levels vary wildly. Wes discusses why transparency is key and provides actionable advice on how to check your advisor’s contract to ensure your investments are working for you, not your advisor’s bottom line.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 28, 2026, Ask an Advisor episode of the Clark Howard podcast.

Submit your questions: https://wesmoss.com/ask

00:00 – Intro
01:35 – Why Retirement Confidence Is Plunging
09:26 – Ask An Advisor – Should I put more money at my 457 vs my 401k (Mike, Tennessee)
12:31 – Ask an Advisor – How to use my wife’s HRA Account? (Nathan, Oregon)
15:25 – Ask an Advisor – Roth IRA vs Target Date Funds or FidelityGo (Tanya, Colorado)
19:18 – Fiduciary vs. Financial Advisor
24:45 – Ask an Advisor – When to have a Trust? (Will, Kansas)
28:21 – Ask an Advisor – Why bother with bonds? (Brian, South Carolina)
30:04 – Ask an Advisor – How much should we set aside for self-lomg-term care? (Heather, South Carolina)

Clark.com: Advice You Can Trust:
SUBSCRIBE: https://www.youtube.com/c/Clark

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Get my unreleased content: https://www.palmertrolls.com

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✩ALL MY SOCIALS ✩
https://linktr.ee/levicrypto
——————-
⚠️ DISCLAIMER – READ FIRST
This video is not financial advice. It is for educational and entertainment purposes only. I may earn a commission through some of the links below — at no extra cost to you.
Crypto-assets are highly volatile and involve significant risk. These offers are intended for experienced users only and may not be available in your region. Always verify local laws before registering or trading on any platform.

#crypto #xrp #hbar #altcoins #altcoin
——————–
LEGAL & REGULATORY DISCLAIMER

1. Corporate Entity & Content Purpose
This channel is operated by a registered business entity. All content is intended solely for informational and entertainment purposes and reflects the opinion of the channel as an entity.

2. No Financial, Legal, or Tax Advice
I am not a licensed financial advisor. Nothing in this content should be construed as financial, investment, legal, or tax advice. Viewers should consult qualified professionals before making investment decisions.

3. Sponsorships & Affiliate Relationships
This video may contain sponsored content and/or affiliate links. I may earn a commission if you use these links, at no additional cost to you. I only promote platforms I personally use or believe in — but you are responsible for conducting your own due diligence.

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If you are located in such a region, do not engage with or act on this content.

5. Crypto Risk Warning
Crypto-assets are speculative and involve substantial risk, including:
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• Potential for fraud, theft, or manipulation
No form of investor protection or legal recourse is guaranteed. Engage at your own risk.

6. No Outcome Guarantees
I make no representations regarding the accuracy, timeliness, or results of any strategies or opinions shared. No profits or outcomes are guaranteed. You bear full responsibility for any decisions made.

7. Content Updates
Information may become outdated. I reserve the right to change, update, or remove content without notice.

8. MiCA & EU/Canada Compliance Notice
In accordance with the EU Markets in Crypto-Assets Regulation (MiCA):
• This content does not constitute financial promotion or investment advice under MiCA.
• Crypto-assets discussed may not be suitable for all investors and are not protected by any EU Or Canada deposit guarantee or investor compensation scheme.
• All statements made are intended to be fair, clear, and not misleading.
• If you reside in the EU or Canada, ensure your engagement with this content complies with local laws and regulations.

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#cryptotaxinindia

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Alright ladies… we need to talk about throw pillows.

It feels harmless, right? A $20 pillow here, a $30 one there… but over time, you’re spending more and more trying to “fix” a room that still doesn’t feel right.

And it’s not because you need more pillows. It’s because you’re missing the design principles that actually pull a space together.

Once you understand how a room works as a whole, you stop chasing little fixes and start creating something that feels complete.

That’s exactly what I teach inside my course, The Seasoned Home. If you’re ready to finally understand how to decorate your home in a way that works, no matter your budget or season of life, join the waitlist at RebeccaRobeson.com.

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HSBC and U.S. lawmakers push Clarity Act forward in Senate Banking talks as Ripple CEO Brad Garlinghouse warns momentum may be stalling.

Stablecoin yield rules, bank deposit dynamics, and unresolved DeFi and enforcement concerns remain central to negotiations. Institutional pressure is rising as regulatory clarity becomes critical for capital deployment and U.S. market structure leadership.

Timestamps
00:00 Clarity Act moves through Senate Banking Committee
00:42 White House advisor outlines legislative timeline
01:28 Closed-door negotiations and missing public draft
02:35 Retail concerns over last-minute bill changes
03:56 Key steps before Senate floor vote
05:03 Stablecoin yield and bank deposit impact
06:30 Community banks and stablecoin competition
07:55 Institutional response to crypto policy shifts
08:42 DeFi, enforcement, and developer regulation concerns
10:44 Timeline expectations heading toward Consensus
11:29 Brad Garlinghouse reaction to Clarity Act outlook
12:04 SEC and CFTC coordination impact on crypto policy

💜 Thanks for supporting the channel! Like, share, and comment if this helped clarify what’s really happening.

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🔴Full Legal & Regulatory Disclaimer
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#XRP #HSBC #Crypto #CryptoSensei #XRPArmy #Ripple #Banks #Tokenization #CryptoAdoption #CryptoNews #Blockchain #xrpledger #xrpnews #cryptocurrency #altcoins #blockchaintechnology #cryptotrading #ripplexrp #xrpholders #xrptoday #xrpupdate

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This is legit scary… we went through his emails more in the post show, and we found that he stalked our casting producer, Lindsey, the day she got hired (which was not public info)… this is legit f*cked up- watch here: ➡️ https://bit.ly/chpostshow

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*Chapters*
=============================
00:00 Intro
09:18 let’s be real.. nobody is DM’ing this dude lol
22:10 buddys never heard of a release form
30:49 hilarious.
40:30 Resume Review!
59:15 why is Brint trying to give a tutorial
01:15:40 what is bro on about

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Want more content?
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*Want to be a guest on Financial Audit?*
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👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply

*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice.

Sponsorship and business inquiries: business@calebhammer.com

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