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We often focus on what we don't have, but you might be surprised by how much you’ve actually accomplished. Today, we break down the hidden signs of wealth that have nothing to do with flashy cars or big mansions. |
Here’s what we’re covering in today’s Clark Smart Investing newsletter: |
10 everyday signs you're probably wealthier than you think Clark Howard says gold is not an investment: Find out what he really means Don't let this common mental mistake ruin your retirement Q&A: If we have a target retirement 2035 fund and can retire in three years, should we move it to a 2040 fund to be more aggressive? Smart money move of the week
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💵 10 Everyday Signs You’re Probably Wealthier Than You Think |
Money expert Clark Howard has long said that the goal of personal finance isn’t to accumulate the most stuff — it’s to reach a place where money stops being a source of fear and anxiety in your daily life. His whole philosophy is built around that idea: Live below your means, build a cushion, and give yourself options. The payoff isn’t a bigger house. It’s peace of mind. |
That’s what this list is really about. Most people don’t think of themselves as wealthy. But wealth isn’t always obvious, even to the people who have it. It’s not about what you own. It’s about what you don’t have to worry about anymore. By Clark’s measure, that’s exactly the point. |
In the full article, we reveal the ten quiet signs you’ve made it further than you might realize. How many of these can you check off? |
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📚️ Recommended Reading |
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Many people turn to gold during times of uncertainty, but is it actually a smart way to grow your wealth? Clark shares his take on the risks, the hidden costs, and why gold might not be the "investment" you think it is. Read more. |
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Your brain might be playing tricks on your portfolio. Whether it’s fixating on a stock's past price or a specific retirement "number," anchoring bias often leads to expensive mistakes. Here is how to spot the trap and start making smarter financial decisions. Read more. |
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✅ Poll: What’s Your Take? |
Every week, we'll ask a new question to get your take on the latest financial trends and topics. |
What’s the one price you simply refuse to accept as the "New Normal"? |
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Last Week’s Poll Results |
We asked: “Where do you keep your cash reserve?” Here’s how you answered: |
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💬 Ask an Advisor |
In this recurring Q&A, we share questions that have been answered by Clark Howard or Wes Moss on the podcast. Submit your question today! |
Andrew in Missouri: My wife has retirement money in the Fidelity target retirement 2035 and can retire in three years. For her last three years of employment, should we move her monthly retirement allotment to a Fidelity target retirement 2040 to be more aggressive? |
Wes Moss says: The short answer: Yes, I think that's a fine move. Target date funds are often painted with a golden brush, as if they are perfectly calibrated to do everything for you. In reality, they are simply branded asset allocation funds that slowly become more conservative over time. Many people get hung up on picking the "right" year, but the moniker is really just the point where the fund starts to get very conservative. Usually, by the time you hit that target year, the fund is down to about 60% stocks and 40% bonds. Over the next 20 years, it can slide all the way down to a 20/80 split. If you don’t need to start relying on that money the moment you retire, the clock shouldn't necessarily start on that conservative shift yet. If your timeline for actually needing the cash is further out, moving to a 2040 fund allows you to maintain an allocation that actually fits your needs. The overarching key is to "open up the hood." Don't just rely on the date on the sticker; check the fund’s webpage or prospectus once or twice a year to see how the allocation migrates over time. It’s less about the year labeled on the fund and more about understanding the specific mix of stocks and bonds inside. |
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💸 Money Tip of the Week |
Digital security check: Spend 10 minutes ensuring Two-Factor Authentication (2FA) — or even better: Pass Keys — is turned on for all your brokerage and bank accounts. It’s the single most effective way to protect your money from hackers. |
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☎️ Need Money Help? |
The Team Clark Consumer Action Center is a free helpline that can help you navigate your money questions. Call 636-492-5275. Visit clark.com/cac for more information. |
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This information is provided to you as a resource for informational purposes only and is not to be viewed as investment advice or recommendations. Investing involves risk, including the possible loss of principal. There is no guarantee offered that investment return, yield, or performance will be achieved. This information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Any company names shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. The views and opinions expressed are for educational purposes only as of the date of production/writing and may change without notice at any time based on numerous factors, such as market or other conditions. Always consult your own legal, tax, or investment advisor before making any investment/tax/estate/financial planning considerations or decisions. |
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