05.05.26 Ask An Advisor With Wes Moss

What Will Our College Grads Do for Work? & Is the U. S. Dollar Dying? In this episode, Wes Moss debunks two of the biggest myths in the economy right now. First, Wes looks at the actual data behind youth unemployment. Despite the rise of AI, the numbers for college grads aged 22–27 remain remarkably stable. Wes explains why the labor market is far more dynamic than the "net new jobs" headlines suggest – and why there is plenty of reason for parents to be optimistic about their children's careers. Also, Wes addresses the "Death of the Dollar." From global trade invoices to commodity pricing, Wes breaks down why the U. S. Dollar remains the undisputed heavyweight of the global economy, despite the constant "De-dollarization" doom-talk in the news. Mentioned on the show: YCharts - Financial Research and Proposal Platform Review and Rebalance Your Portfolio With X-Ray’s New Holdings Breakdown Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 5, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

• 0:00Speaker 00

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• 1:16Speaker 02

  Welcome to Ask an Advisor. Were we here on the Clark Howard team? Go deeper on all things investing, retirement, and saving for your future. Hopefully being able to retire early sometimes if that's what you wish.

• 1:28Speaker 03

  We're diving deep. We're going to talk a little bit about career today.

• 1:32Speaker 02

  Yeah.

• 1:32Speaker 03

  By the way, I like your new color wheel. Your color wheel, your new set.

• 1:36Speaker 02

  My green pop.

• 1:37Speaker 03

  Swatches.

• 1:38Speaker 02

  Yeah, yeah. I did, I had, I went to an event at my friend's law firm and they had color analysis. And so you kind of learn what colors look best on you.

• 1:47Speaker 03

  What you should be wearing, the colors of your clothes, like what your sweater is.

• 1:50Speaker 02

  And one of mine happened to be what I like to call Clark green.

• 1:52Speaker 03

  It is Clark green.

• 1:53Speaker 02

  It's the Clark green. So today, you're going to talk about a couple of things. Well, first, we worry so much like, how are youth going to find jobs? You hear a lot. I mean, I have a recent college graduate and I have another one who's in college. And I can't even tell you like how many people were lamenting. My kid can't find a job. My daughter did find a job. It wasn't her ideal job at first, and then she did get a great job after that. And so, you know, a lot of people say how lucky she is that she found that job. So what are we looking at? You know, of course, AI is in the mix here. So I think you have some really, really interesting statistics about that. And then also later on, the US dollar. Is the US dollar dead?

• 2:33Speaker 03

  With all the geopolitical chaos we've had this year, and really last year, there's this constant worry that the world will be moving away from the dollar. We have some perspective on that today, too.

• 2:46Speaker 02

  And then, of course, Wes will be answering your questions that you've sent in at clark.com/ask. Please note if your question's for Wes or for Clark. And Clark will be back with a new episode tomorrow. In case you're new to this show, we have Ask an Advisor every Tuesday because Clark does three episodes a week. And we thought it'd be great to actually have a fiduciary financial advisor on the show answering your questions because Clark is not an advisor and he focuses more on the consumer angle.

• 3:14Speaker 03

  That's me.

• 3:14Speaker 02

  I feel like it really, I feel like both of the shows work well together. They complement each other.

• 3:20Speaker 03

  Well, let's start with, so a lot of the talks I cover are things that get brought up to me in any given day or week in my path as a dad and a financial advisor, helping families find happiness in retirement. And we're very often, there's a big part of the conversation has to do with family. And I had a couple in the other day who was asking, talking about their grandkids and they were just out of college and having trouble finding jobs. And they said, Wes, you've got all these young kids in there. I've got a couple that are just getting to college age, looking at college, and then a few that are younger than that. And I think, you know, the younger they are, the more you look out into the future and say, well, 20 or in 10 years from now, what are kids going to be doing? And

• 4:05Speaker 03

  I think it's always scary as a parent to think, well, what are my kids going to do for a living? A lot of folks are asking this question. And we've talked a lot about the topic of AI, what that means for careers. I think it's a normal question to say, well, what are our kids going to do in the future? Are AI, is AI going to take our jobs or their jobs?

• 4:29Speaker 03

  A lot of 2005, there were fears bubbling up. And I remember Wall Street Journal had an article about college graduate unemployment was rising and it confirmed the fears.

• 4:40Speaker 02

  I remember that very well.

• 4:42Speaker 03

  And you're thinking, that's not good timing.

• 4:45Speaker 02

  My friends, yeah, my friends and I were sending that to each other.

• 4:48Speaker 03

  So first of all, maybe I'll start out with this. That's a myth.

• 4:52Speaker 02

  Okay.

• 4:53Speaker 03

  That has not happened. There was a little bit of an upward trajectory. If you, and again, this is, these are numbers we can look at and we can track unemployment rates for the entire nation, different segments of the nation. And if we were to look at college grads aged 22 to 27, this is a fun chart here for you, Krista. If you look at it as of the most recent data, it's pretty much in line around between five and 6%. College grads aged 22 to 27, very similar to what it was in 2023. And AI started in what, 2022?

• 5:37Speaker 03

  And 2018 and 2015 and 2007, et cetera. You get my point. It's pretty much the same as it's been for the last 20 years, 25 years. So I get why we're nervous about our college kids not being able to find work, but that's just not happening. They're getting jobs and they're just at the same rate as they've almost always gotten jobs at because it's just inherently a tough thing to do. You have to break, you've got to get that first job and that is just tough. It's hard. It's a little harder than when you're already in the workforce and you're changing jobs. So first of all, so far, that is just a myth. There, it's, it's always been hard for.

• 6:22Speaker 03

  College grads to get jobs and it's no different today. And there is no evidence at this point that AI is making that a lot worse. Could that change? Sure. But there's always some sort of technology that we're worried about. Oh, it's so hard to break in. The second thing that the two other, I think, important points that I would bring up about the labor market is that the labor market is, I think, much more dynamic and more vast than we give credit to. You tend to think, well, I've been in a job for 10 years and people get a job and they stay in their jobs. And you don't hear all that much about jobs changing.

• 7:04Speaker 03

  Maybe it's one or two out of 10 people maybe change jobs, but they don't talk about it a lot. It's a little easier to point to, oh, Krista, you've been here working with Clark for decades or more than a decade. I've been at my firm for almost, you know, coming up 20 years. And then we hear the job numbers. This is the other thing. I think this is what gets the press in when it comes to the labor market. We added 50,000 jobs or we lost 20,000 jobs. Or the last report, we added 170,000 jobs. So we think of the jobs market, even though we know it's vast, it's 100, almost 60 million people are working. You think in terms of 10,000, 50,000, 100,000.

• 7:46Speaker 03

  But if you stop and really look at the job market, the movement within the job market is so much bigger than I think most people give credit for. In 2025, last year, over 60 million people got hired. Whoa, wait, wait, wait. Did you add new? Wait, wait a minute. We only measure net new jobs. We only measure nets. There's so much more turnover in the labor market than we, I think, give credit for. 2023, annual hires were 71 million.

• 8:19Speaker 02

  That's crazy.

• 8:21Speaker 03

  Is it? How can that even be right?

• 8:23Speaker 02

  I know.

• 8:23Speaker 03

  In 2025, US employers made 61.4 million hires.

• 8:29Speaker 02

  Wow.

• 8:30Speaker 03

  That doesn't seem to make any sense. Well, it's because there's a lot of movement underneath the surface. So in 2025, there were almost 38 million people who quit their job.

• 8:43Speaker 03

  There are 38 million people that quit their job. There were 21 million people that were either laid off or discharged. Other separations, which are retirement, death, transfers, et cetera. Another almost 5 million people. So you get this scenario where the labor market has an enormous amount of churn and change and dynamism, if you will, much more than I think we give it credit for. Because the 38 million people who quit, that doesn't mean they didn't just go get another job. They quit most of the time. It's because they went and hopped to another job. So there's lots and lots of change. Think about a stadium, 160,000 people,

• 9:26Speaker 03

  or in this case, our stadium for the US labor market is 160 million people. And in any given year, about 40% of those people change seats. Or 40%, and some of those people leave and new people come back into the stadium. That's labor force participation. You may move to a different section of the stadium, might just move to a different seat. But when you start thinking about how vast the job market is, and there's over a thousand, there's over a thousand different codes for the kind of job you have. We tend to think it's not just doctor, lawyer, nurse, firefighter. There's some popular jobs that we think about. But then there's another thousand jobs that we don't necessarily hear about every single day.

• 10:09Speaker 03

  And that, to me, allays the worry of, what are my kids gonna do for a living? Well, there's over a thousand different things in this economy that they can do. And there's gonna be some change and some churn, but there's always that. And it gives me hope that they will be able to find something. But it's always gonna be a little tougher on that first job.

• 10:33Speaker 02

  For sure. All right, we'll go to some questions that came in for you, Wes. This one came in from Emory in Iowa. Emory says, I would like some financial advice on getting a pilot's license and a career change at 44. I have three daughters ages 10, 8, and 6. The year they were born, I funded $40,000 into each of their 529 accounts in the VOO S and P 500 ETF. That money has now grown to $325,000, a gain of over 200K. The OBBVA tax law now allows for tax-free distribution of 529 money to be used toward Part 61 Flight Schools to get a pilot's license. There's a school close to where I live in Iowa that charges $90,000 to receive a full

• 11:16Speaker 02

  multi-engine license and partners with some smaller regional airlines for employment after the license is achieved. The classes and training would take about a year. I'm thinking about using some of the 529 money towards the pilot's license for myself and saving the remaining for the kids.

• 11:31Speaker 03

  This is not proof that we have the coolest, the Clark Howard Show listeners are the coolest of all time. This guy's from Iowa. Emory from Iowa. First of all, he did 120 grand for his kids is what he put away. Now it's worth 320. That's incredible.

• 11:49Speaker 02

  It is.

• 11:49Speaker 03

  I know it's three, there's a lot of kids, there's a lot of daughters, it sounds like.

• 11:54Speaker 02

  A lot of daughters, you have a lot of sons.

• 11:55Speaker 03

  I have a lot of sons. The, Emory, you're totally right. The OBBV changed a lot of different things in the tax code. One of them was the 529 plan. It's expanded what you can utilize that money for, meaning that it comes out with, without penalty and without taxes. And that, that was, that was harder to do before the new changes. First of all, it sounds like you already have a lot of retirement money at a pretty young age. I mean, you're, I would say 44 is young. This is an easy time for a career change. And 90K out of the 529 plans, I mean, it still leaves you with over $200,000 for

• 12:40Speaker 03

  education and they're still young. I mean, your 10 year old has another eight to nine years. Your eight year old has another decade and then the six year old, that's well, way out into the future before school. So this money that if you were to spend the 90, you still have over 200, way ahead of most folks and that could be 400 by the time they go. So I think you're still fine on the kid's education. And what you're doing here is that you're creating tremendous stability in your career. There continues to be a pilot shortage.

• 13:14Speaker 02

  Yes.

• 13:14Speaker 03

  It's a job that's highly regular and it's flexible in how much you want to work and it's a hundred to $125,000 a year job, probably at minimum. Once you get your hours and after you get your education, then you get your hours and then you're off to the races. And who knows, maybe you become a flight officer or captain and your, and your pay goes up from there. But I love that as a steady career that also gives you lots of other time if you want to pursue other things. I think it's a, it can be a really flexible career. So I think that you're looking at that in the right way. And this is a good example. What Emery's bringing up is that, you know, we get all the, we get a hundred

• 13:53Speaker 03

  changes. And on the surface, when you get all the changes, you don't know exactly how that's going to apply to people in real life until you start discussing what's happening and how people start looking at these rules. So wait a minute, this opens up a new opportunity in Emery that, that it does just that. So anybody else, same thing. If you've got a ton of 529 plan money and you want to go back and have more education, that door now is much more open than it's ever been.

• 14:22Speaker 02

  And then the whole Roth conversion option too, that they put in with the 529 plans too, gives people more flexibility around that worry about that for their kids. Okay. Corey in New York says, I have a Roth IRA slash brokerage and over the last two years, I've learned to diversify about 30 to 40% of my stock holdings into dividend paying stocks. My question is, what are the implications of buying like 50 more shares a couple of days before the X dividend date and then selling after the pay date? Do you have to actually own X number of shares for a whole quarter before they will pay you out? Or can you use this strategy?

• 14:56Speaker 03

  Yeah, Corey, you just need to own on the X dividend date. So you don't have to own the whole quarter in order to get your dividend. The problem though, is that if you own for less than 60 days, then instead of qualifying for the lower tax rate on dividends, you end up having a higher tax rate. So I believe it jumps to more ordinary income. I see what you're saying. You're saying, why can't I just buy before the X dividend date? You're the owner and then you don't even need to hold the shares and you still get the dividend. The problem is that in a vacuum and the textbook way to think about this, and it depends on the stock too, but the in a textbook world on that one day where

• 15:40Speaker 03

  let's say you've got $10 a share and it's paying you 20 cents. Technically, on the day of the X dividend, the shares should be at 980. So there is no free lunch when it comes to just going in, owning for a day, getting the dividend. Usually you're going to see that that gets negated by the share price. Now, what in the real world, you can very often, if the market's having a good day or there's positive news on that company, you get the dividend and the next day that the stock could be at $10.50. So you don't notice it. But if you were to do this over and over and over again, eventually you end up, if you're, if you're trying to trade dividends for the short term, there is really

• 16:25Speaker 03

  no free lunch and you have worse tax treatment to do so. So it's not a strategy I like. What I do love is you've diversified 30 to 40% of your holdings into different dividend paying stocks. They're meant to be held for the long run, not the short run.

• 16:40Speaker 02

  Okay. We're going to take a quick break and we're going to come back and we have more questions for you, Wes, and you're going to talk about the US dollar.

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• 19:01Speaker 03

  Welcome back to Ask an Advisor here on the Clark Howard Show. I'm Wes Moss, along with Krista DeBias in her color wheel, green. And we are here to continue to answer more of your questions today. This is almost a debunk Tuesday.

• 19:17Speaker 02

  I know, I like it.

• 19:18Speaker 03

  Debunking youth unemployment, no evidence of that, or very little evidence. I'm still a worry, but just not really happening. Number two, debunking that the US dollar, huge worry over the last year. All of the geopolitical issues that we've had. Remember, because of the Russia-Ukraine war, we did sanctions with Russia. We've used that as a tool. That has scared countries supposedly into using less dollars. And the reality is that I think those fears are just way overblown as well. And there's three ways to look at this. What is a reserve currency? By the way, there was in 2011, Barry Eikingold wrote a book called Exorbitant Privilege, The Rise and Fall of the US Dollar.

• 20:03Speaker 03

  That book is, looks to be out of print.

• 20:06Speaker 02

  Of course.

• 20:07Speaker 03

  There was a collector version, I was on Amazon looking at it. There was a collector version for $1,000 to buy. It's almost like an antique car. So it just didn't, it just didn't work. I mean, if you look at the, so there's medium of exchange. Is the currency a medium of exchange too? Is it a unit of account? And number three, is it a store of value? How does the dollar check on those three boxes? Number one, medium of exchange. Dollar still runs the cash register. Around the world, in the Americas, as you would expect, it's 96% of even export invoices are still in US dollars. Asia Pacific region, 74% of all trade invoiced in dollars, even

• 20:49Speaker 03

  in the euro. The euro is set up and they have their own currency. Euro has the euro and they still use 23% of all their transactions are still in US dollars. Wow. And if you measure the rest of the world, which would be beyond the Americas, Asia Pacific and Europe, it's 79%. Again, transactions in dollars. So it's very clear that three quarters to 95% of transactions are still happening in US dollars. According to IMF, there's just been no significant shift away from the dollar in global trade. And that's over the last, call it three to five years, despite this constant worry of the de-dollarization of the world. It just doesn't seem to be happening. Does it? Is it a unit of measure

• 21:34Speaker 03

  or unit of account, essentially a measuring stick? Well, yes, because oil and most commodities are still traded in US dollars. International banks lend in US dollars very often, especially in emerging market companies. And then companies all over the world issue debt in US dollar denominated bonds. So yes, it's still very much a measure. And then three, is it a store of value? What is central banks? So obviously, we talk a lot about the Fed in the United States, but there's the European Central Bank, the Bank of Japan, the Swiss National Bank. So there's the big central banks around the world. If you go back to 2005, so let's go back two decades ago, if you looked at the whole currency soup in the world, it was

• 22:19Speaker 03

  61% to 62% US dollars. 20 years later, with all the talk of dollar, people moving away from the dollar, diversifying elsewhere, still right now at 58 to 59%. So we've gone from 61% to 59% over 20 years. The soup is still the heaviest ingredient by far, and it's barely, it's barely lessened, is the US dollar. So why all the dollar doom talk, Krista? I don't know, because it's a better story to say that the dollar's going away than the dollar's strong and fine. It's a scarier article, maybe every time you see a move in something like gold,

• 23:01Speaker 03

  we think, oh, well, it's because the dollar. Well, maybe it's not because the dollar is lessening or weakening. It's just because more people are wanting access to that particular other investment. And if you looked at Advanced Economy's trade weighted dollar from 1975, that index was at about 100. Today it's at 123. So it's actually gone way up over the last 50 years. So we'll continue to, I guess my message here is let's not get caught up in what seems to make sense. Oh, the dollar's going down. Youth employment is terrible. But in reality, it's just not true. And we don't want to make our investment plans around things that the media would love to be true that just are not.

• 23:46Speaker 02

  Okay, let's go to questions. I've got one from, Chris is from your favorite, one of your favorite states, Michigan.

• 23:53Speaker 03

  Michigan. I thought about doing this topic, but the Redfin just released the, basically the craziest expensive places in the world where listings are, you know, over 60% all over a million dollars. Nantucket was number one. And there's a place I'd never heard of, but I think it must be near Aspen. It's called Rifle, Colorado, where they have like 25 to $50 million homes. But on the list, and this is again, Clark wouldn't believe it, but Petoskey, Michigan was on the list.

• 24:24Speaker 02

  Where is that?

• 24:25Speaker 03

  It is in northern Michigan. It's not, I do not, that's not where I go necessarily, but it's near where we go. But again, the reason is beauty. It's all of these places are beautiful and they have limited land, either because of water or because of building permits, because you're in the mountains. And they're just gorgeous places. Just it was interesting. I'm going to make sure I talk to Clark about that. Just read about today.

• 24:49Speaker 02

  You're gonna get them there. Chris in Michigan says, I have a question regarding the four Roth IRA and Roth 401k accounts that I have. I have had three of these Roth accounts for over 20 years and one account for 10 years. So all of these currently meet the five-year rule. I'm 65 years old and would like to combine these accounts into one account to reduce redundancy and extra tracking. My question is, how do I get my Roth/Roth401k accounts over to Fidelity and maintain the 10 to 20-year ages of these accounts so I don't reset the five-year rule? I'm confused when I read the rules and I don't want to make any mistakes. I'll have to admit that I ignored recommendations over the years to take my accounts with me as I change jobs. Now in hindsight, I wish I had done this

• 25:34Speaker 02

  and I recommend to any listeners, do yourself a favor and as long as the options are decent, take your accounts with you as you change jobs.

• 25:42Speaker 03

  Okay, so Chris, I believe you have the vintage. You've got the five years and you're over the age of 59 and a half. The IRS, and I know this is confusing, and I've read about, I've read this over and over and over again, it's still hard, the concept of how they, this is stated, is still a little confusing, but the IRS treats all of your Roth IRAs, one, if you have two of them, or if you have four of them, supposedly, they treat them all as one Roth IRA when it comes to the five-year rule. So if you've got one of them that has more than the five-year rule, then technically, and you've got one

• 26:20Speaker 03

  that's 20 years old, then you have the five-year vintage already. And even if you opened a new one, because that money is vintage, or new Roth, it still should be treated as that same age by the IRS. So again, I'm not a, I don't work for the IRS, so sometimes their rules, maybe somebody will say something different for this, but from my understanding, the IRS treats all your Roth IRAs as one single account when it comes to the five-year rule. And you're over 59 and a half, so I don't see any, any issue. And by the way, this is for you to keep track of too. I think that when does this come up?

• 27:02Speaker 03

  It probably would come up if you were audited and it's you, it's the onus is on you to make sure that you could prove that like, hey, this is, I opened this thing is eight years old, 10 years old, 20 years old. So this is where records, I think, become important. Number, number one, number two, you should be able to do rollovers into one Roth at XYZ brokerage firm, doesn't matter, because you have the vintage and there's no reason to have five different Roth accounts, particularly at your age. So I think you should, it makes sense to consider consolidating into one, so you can have more visibility in to it if you're doing direct rollovers from Roth into many ROTHs into one.

• 27:46Speaker 02

  Okay. Suzanne in California says, I've saved $100,000. I would like it to earn more than the basic CD or savings account offers these days. And I already fully fund my Roth 401k and HSA. What options do I have?

• 28:02Speaker 03

  Suzanne.

• 28:03Speaker 02

  Super saver Suzanne.

• 28:04Speaker 03

  Super saver.

• 28:07Speaker 02

  That's what I would say. That's amazing.

• 28:08Speaker 03

  Super saver from Sacramento. Suzanne, you have all the options in the world. And by the way, that's why investing is so great. And it's also why investing is so hard.

• 28:18Speaker 02

  Yeah.

• 28:19Speaker 03

  Because you have unlimited options, Susan. It's not that they're limited, it's that they're unlimited that makes everything so difficult. So this is really an investment question. Remember to think about stretching your timeline. I don't think you said how old Susan was.

• 28:35Speaker 02

  Suzanne, no, she did not mention that.

• 28:37Speaker 03

  But for the most part, I mean, if you're in your 40s or 30s, 40s, 50s, 60s, you should still have a 20 plus year time horizon, God willing. So you've got a long time. Most people that are, that are writing in have what I would consider really long, appropriately long time horizons. So it's really just an investment question. And if you're already invested in your Roth account and your 401k account, and maybe even your HSA account, you have some investments. Then if they're good enough for those accounts, why aren't they good enough for this money? There's nothing special about a 401k. It's not like you get protection because it's in a 401k, even though people think they do.

• 29:20Speaker 03

  Because it has this grand title, what's a 401k? Well, it's totally dependent on what's in that, how you're invested in the 401k. So if it's good enough for those accounts, then very likely it's good enough for this, for a portion of that $100,000. So maybe you have some broad market stock index funds or mutual funds inside of those retirement accounts. Find a version of that. And probably you can find a lower cost version because now this would be brokerage money. And that would make a lot of sense. And because it's a bigger, let's say, pot of money. Think about getting both diversification, which you would automatically do in most broad market ETFs.

• 30:05Speaker 03

  And then some asset allocation, meaning that maybe you don't just want US large cap stocks, which is the S and P 500. Maybe you want some international. Maybe you want some small and mid cap. Maybe you do want some fixed income. Maybe you do want some commodities, but build out the wheel of diversification. So you feel comfortable. And the reason you probably feel more comfortable about your retirement accounts is it probably already has diversification like that.

• 30:30Speaker 02

  Okay, Greg writing in from your home state of Pennsylvania. Greg says, do you know of any tools that can deconstruct a mutual fund or portfolio into its component stocks? I'm always intrigued to know how much exposure to any particular company such as Facebook, Alphabet, or Home Depot I have in my portfolio. But it's mixed into all of the funds I hold like VFIA X or VTWAX, et cetera. Thank you for all you do. We love the deep dive investing content on Tuesdays.

• 31:02Speaker 03

  Greg from PA. I think it's gotten easier and easier to find, open up the hood on, on an ETF or a mutual fund that it's easier today than it's ever been. Almost every fund, you can go to their page that is their fact sheet and it should list out usually the top 25 holdings. I know tools like Y charts will give you, I think all, actually they will give you all of them. Every single, I've looked, if you have an ETF with 450 stocks, it'll literally give you all 450 stocks in order by market, by percentage.

• 31:38Speaker 03

  Bloomberg does that. You can utilize AI to do that. A lot of AI finance tools for usually even the free version. I know you can at least get the top 25 holdings.

• 31:51Speaker 02

  So the first one you said was why stocks?

• 31:53Speaker 03

  Why charts?

• 31:54Speaker 02

  Why charts?

• 31:55Speaker 03

  Why charts does that. Morningstar has something literally called, I think it's called Morningstar X-ray because it takes an X-ray of the funds and shows you what's inside. That may be paid as well, but that's not a huge, that's a relatively low subscription, I believe. But, and I love that you're doing this. This is the cool thing about it is what you're asking Greg, is that it's really important to understand what is in your funds. And in the world we live in, I think it's a little easier today than ever before to at least get the core main holdings. That way you can look at the sectors, that way you can look at the actual names of the companies and then the percentages and the breakdown. And I think that's super important and helpful, particularly if you're interested

• 32:40Speaker 03

  in it. So a lot of ways to do it in the world we live in today.

• 32:44Speaker 02

  All right. Well, Greg, thank you for saying that you enjoy the deep dive and investing on Tuesdays. And thank you to each of you who has listened to this episode. If you got this far, we really appreciate it. We hope that you'll subscribe if you're not already subscribed, whether it's on your podcast app or on YouTube and that you'll give us a review as well. We truly appreciate it and it helps us to reach other people and hope the rest of your day is fantastic. We'll be back with you with another new episode next Tuesday.

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