Melissa Moss, Moss Wealth Management

07/13/2026

That $20 bill in grandma’s birthday card? Sending that same birthday love today costs $52.66.

In 1993 I turned eight, and my Mimi would tuck a crisp $20 into my card. All in, with the card and the stamp, it cost her $22.29 to make my whole day.

Run that math forward to 2026 and it has more than doubled. That’s inflation, and we feel it every day at the grocery store and the gas pump.

But here’s the part most of us in our 40s haven’t sat with yet: that same math is coming for your retirement. Whatever number you’re picturing, you might need to double it by the time you get there.

A $20 bill left in a drawer since 1993 is still just $20. Don’t let your retirement plan sit in a drawer too. This is the decade where what you do really matters.

Tag the elder millennial who still slides their hand inside the card first. And tell me below: who sent you birthday money as a kid, and what did you spend it on?

Nostalgia MillennialRetirement FinancialPlanning MoneyTalk GenerationalWealth

07/09/2026

I’m seeing a trend I don’t think enough people are talking about: couples planning to divorce, not now, but in three or four years.

Some are doing it together. And honestly, watching two people who still care about each other work as a team to protect their family and separate their assets before things get messy is one of the more meaningful parts of my job. The relationship changed. The mission to take care of their people didn’t.

Other times it’s one spouse quietly planning on their own.

Either way, I feel genuinely honored when clients trust me to help guide them through it.

Curious if other advisors are seeing this too. Are your clients planning ahead for a divorce that hasn’t happened yet?

07/09/2026

Markets posted solid second-quarter gains as investors responded to upbeat economic reports, continued diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The S&P 500 rose 14.87%, the Nasdaq gained 21.41%, and the Dow picked up 12.90%, while Canada’s S&P/TSX Composite added 6.37%. Looking ahead, markets may continue to react to Middle East updates, oil prices, inflation trends, and the pace of global commerce through the Strait of Hormuz. From U.S. home price growth to Canadian housing forecasts, this quarter’s by-the-numbers highlights the data behind one of North America’s most closely watched markets.

Melissa Moss is all about the real currency of life: connection, creativity, contribution… & sometimes cash. She is also a: 

07/08/2026

If you give people a choice between dying and running out of money, you’d be surprised how many choose death.

It’s never a good time to let fear or uncertainty derail your future.

06/05/2026

Markets continued their upward climb in May, supported by strong technology performance, positive economic data, and ongoing diplomatic efforts in the Middle East. The Nasdaq gained 8.36%, the S&P 500 rose 5.15%, and Canada’s S&P/TSX Composite added 2.37%, while investors welcomed better-than-expected job growth and upbeat corporate earnings. With the Fed's next meeting scheduled for June, attention is turning to updated economic projections and what they may signal about the broader economy. From \$24 billion spent on Father's Day to the popularity of dining out and special outings, this month's by-the-numbers highlights how families celebrate the dads in their lives.

Melissa Moss is all about the real currency of life: connection, creativity, contribution… & sometimes cash. She is also a: 

05/31/2026

I’ve got an impersonator out there. It’s my username with an underscore at the end. They aren’t me. Please report.

05/28/2026

If you live in a zip code whose median income is below $150,000 and you have a minor, they will be eligible for a $250 gift from the Dells if they have a Trump Account. Children born between 2025 and 2028 will also get $1,000 seed money from the government. These launch July 4th.

05/08/2026

Stocks surged in April, delivering their strongest monthly gains in five years as solid economic data, easing geopolitical tensions, and upbeat first-quarter earnings lifted investor sentiment. The Nasdaq climbed 15.29%, the S&P 500 rose 10.42%, and the Dow gained 7.14%, while Canada’s S&P/TSX Composite added 3.65%. With no Fed meeting in May, attention turns to remarks from Fed officials and how evolving economic data may shape expectations moving forward. From \$34.1 billion in U.S. spending to the popularity of Mother’s Day dining and gifts, this month’s By the Numbers highlights how families celebrate the occasion.

Melissa Moss is all about the real currency of life: connection, creativity, contribution… & sometimes cash. She is also a: 

04/20/2026

June 19th I walked into a CrossFit gym for the first time in over a decade. I had spent weeks analyzing every CrossFit gym in the area across multiple spreadsheets before I finally decided that maybe I should just… actually go to one.

After trying to avoid a hard sales pitch from CrossFit Garage, I just finally got there. Andy LOL’d at me for withholding my number from the info form.

My goals were modest. Stay consistent. Show up maybe two days a week. Maybe skip the days with burpees.

What I did not expect was the to make such good friends.

I did not expect to find a community that made me want to show up even on the burpee days. I did not expect to want to plan my days around my gym hours.

And I absolutely did not expect to sign up for a competition, let alone stand on a podium.

Yesterday I competed in the TRU Challenge, Women’s Novice division. I went in with zero expectations. I finished first.

43 reps at 85 lbs on the back squat in the first event became the tiebreaker. Katie and Laura were tough competition!

This win belongs to the 6pm crew at CrossFit Garage who showed up yesterday with a handmade sign. To the coaches who helped me develop the skills. To Andy for cultivating something worth showing up for. And to me for showing up for 161 workouts over the last 304 days!

Swipe to see how we got here.

04/07/2026

U.S. stocks slipped in Q1 as AI disruption fears and Middle East tensions rattled investors. The S&P 500 fell 4.63%, the Nasdaq dropped 7.11%, and the Dow lost 3.58% — though six of eleven S&P 500 sectors still finished in the green, led by Energy's standout 37.91% gain. As the weather warms up and spring gets us outside, it turns out Americans are right there with you — over 181 million U.S. residents participated in outdoor recreation in 2024. Check out this month's by-the-numbers for more on the outdoor recreation economy.

Melissa Moss is all about the real currency of life: connection, creativity, contribution… & sometimes cash. She is also a: