Thanksgiving is upon us and the expense can get crazy. Clark shares ways to spend less on the family feast. Later - you may be charged more when purchasing online because of the WAY you shop, among other factors. How do you know you’re getting the best price?  Clark explains “surveillance pricing”  and money saving tricks of the trade. Plus, at the very end of the podcast Clark has an important tip for Medicare Advantage plan holders. Save On Thanksgiving Dinner: Segment 1 Ask Clark: Segment 2 Savvy Shopping Online: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Aldi's Thanksgiving dinner is just $4 per person The Best Deals of Aldi's Middle Aisle in November #1 Way To Protect Yourself From Credit Card Skimmers Is a HELOC a Good Idea? The Simple Answer How To Get the Best Price Possible Shopping Online How To Use Camelcamelcamel Clark Deals - Laptops Booking a Cruise? Here Are 5 Ways To Do It for Less Don’t miss out on the early Christmas gift from your Insurance Company when your Medicare Advantage (MA) plan gets canceled.Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Ultimate Inheritance for Your Kids and Will AI Actually Create More Jobs? In this episode, Wes Moss shares the real-life story of a couple who is wrestling with the common parental dilemma of whether to pay off their son's significant student debt. While the urge to help is strong, Wes breaks down the financial reality, explaining why protecting your own retirement is actually the greatest act of love and generational generosity you can give your kids. Also, Wes shifts gears to the economy, diving into the fear that AI is taking all the jobs. Drawing on a comprehensive World Economic Forum report, he offers a surprisingly optimistic outlook: while some existing jobs will be displaced, the creation of an estimated 170 million new jobs globally will result in a substantial net gain. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 18, 2025, 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We are in the height of the charitable solicitation season. How do you know what charities are going to use your money in a responsible way? Clark has some guidance for making sure your charity counts.  Also, there are value wars happening in the food world that can help you spend less - IF you know how to find the deals.  Holiday Giving: Segment 1 Ask Clark: Segment 2 Fast-Food Value Wars: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Choose the Best Charities for Your Donations - Clark.com Before you donate, find out where the money is going Homeowners Insurance Archives - Clark Howard Axios: The value wars are back as big brands cut prices amid tariffs Should You Ever Buy Travel Medical Insurance? Is Annual Travel Insurance Worth It? Is Chase Sapphire Reserve® Worth It? What's the Total Value of All the Chase Sapphire Reserve® Perks? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - A form of shrinkflation is affecting toys & electronics this holiday season, but there’s something you can do about it, to save money. Also - Multiple generations living together used to be common in our country, but fell out of favor. Well, it’s back. How do you navigate having your adult kids living in your home? Battery Shrinkflation: Segment 1 Ask Clark: Segment 2 All In The Family: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Gold Is at All-Time Highs. Should You Invest? (Clark.com) My 7 Rules for Using Credit Cards - Clark Howard This Clark Howard Credit Card Rule Could Prevent a Nightmare Scenario 7 Money Mistakes You Might Be Making at the Gas Station UGMA/UTMA 529 Plans: Benefits and Drawbacks Compared to 529s Best 529 College Savings Plans By State Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Clark Howard's Simple Steps To Get Better Customer Service Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-527 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We are in a K-shaped economy again - which creates a clear trend involving a reversal in the pricing of “have to” vs. “want to" purchases. Clark shares what you need to know to stretch every dollar. And… screen addiction. Sick of it, people are tackling the problem in a multitude of ways.  Shopping In The K-Economy: Segment 1 Ask Clark: Segment 2 Just Say NO: Screen Addiction: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Is Now the Time to Get a CD or a CD Ladder? Backdoor Roth IRA: How High Earners Can Still Contribute The Best Phone Plan For You - Compare Phone Plans Should You Switch to a Flip Phone? A group of us ditched our smartphones for a month. It changed us. Why Clark Howard Wants You to Set Up a 'Financial Chromebook' How Do You Prepare for the Likelihood of Long-Term Care Costs? What's Clark's Opinion on the Greenlight Prepaid Debit Card for Kids? What's the Best Savings Account for a Teenager? What Brokerage Do You Recommend for First-Time Investors or Kids? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Top 10 'Overvalued' Cities and Second Act Career: A One-in-a-Million Story In this episode, Wes Moss dives deep into the housing market, revealing why it has become the most extreme buyer's market in a decade. Wes breaks down the latest data, pinpointing the top 10 "overvalued" cities that have the biggest seller-to-buyer imbalance, with some areas seeing over 160% more sellers. He also covers the updated list of the most and least expensive housing markets in the U.S. Also, Wes shares an incredible story about a one-in-a-million "second act" career. Meet Tom Cillo, a 58-year-old who is living out an unfinished purpose by playing college football. Wes shares how Tom's journey can motivate you to find fulfillment, connection, and a sense of purpose in your own "second act," proving it's never too late to pursue a dream. Mentioned on the show: WSJ - He’s 58 and Trying to Break Into College Football. Is Basketball Next? Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 11, 2025, 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One decision you may be working on right now is where to stay during holiday or spring travel. Clark has some key advice if you’re considering AirBnB or VRBO.   And - tomorrow is Veteran’s Day. Clark shares advice and special warnings for those who have served our country. Airbnb & VRBO - New Rules: Segment 1 Ask Clark: Segment 2 Veterans Day: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Oops, You Broke Something at an Airbnb. What Now? Clark Howard's New Airbnb Rule to You Need To Follow 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Find Cheap Flights in 3 Easy Steps Google Flights Launches New Tool for Finding Cheap Airfare Military and Veterans Guide: Free Resources for Your Finances-Clark.com Job-seeking servicemembers: Avoid scams while you search Want to support veterans? 4 tips for finding good charities Veterans and caregivers: Recognize VA benefits overpayment scams How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Best Cash Back Credit Cards With No Annual Fee in 2025 Cash Back Credit Card Calculator - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Great news - there’s a new weapon against robocalls you should have activated in your phone settings. Clark Stinks: Segments 1 & 2 Stamp Out Robocalls: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Do a Balance Transfer the Right Way Balance Transfer Calculator - Clark Howard Best Balance Transfer Credit Cards: Top Picks for 2025 Top 10 Perks of the Capital One Venture X Rewards Credit Card What’s the Total Value of the Capital One Venture X Rewards Credit Card Perks? Medicare Advantage Warning: Read This Before You Auto-Renew⁠ How Much It Will Cost To Watch Every NFL Game in 2025 How To Stop Spam Calls for Good Clark Howard's Simple Steps To Get Better Customer Service Why You Should Never Mail a Check Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - You know Clark loves competition, and there is more choice for you now in the home internet market. More providers are offering wireless internet.  Also, scams keep morphing and  proliferating. Clark discusses the patterns to recognize so you’re able to protect yourself and others.   Home Internet For Less: Segment 1 Ask Clark: Segment 2 Scam Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mint Mobile Introduces 5G Home Internet From $30/Month The Best Unlimited Hotspot Plans The Best Phone Plan For You - Compare Phone Plans 10 Ways To Save on Prescription Drugs Receive a letter from the Supreme Court? Think again, Social Security watchdog says Chinese Criminals Made More Than $1 Billion From Those Annoying Texts -WSJ DOJ seizes $15 billion in bitcoin from massive 'pig butchering' scam based in Cambodia Crypto ATM crime scene Medicare Advantage Warning: Read This Before You Auto-Renew Why Vacation Clubs Are Even Worse Than Timeshares Automatic Bill Pay: How It Works and How To Do It Safely Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Is Your Portfolio Too AI-Heavy? and Does Social Security COLA Keep Up With Inflation? In this episode, Wes Moss shares startling JP Morgan research: just 41 AI-related stocks now account for nearly 50% of the S&P 500's weight, making the market severely overweight in a single theme. Wes offers actionable advice on how to rebalance your portfolio. Also, with the new COLA increase, Wes sets the record straight on Social Security, demonstrating that it has quietly been one of America's best inflation fighters since 1975. He examines the history of COLA adjustments and provides an honest assessment of the fear surrounding the Social Security trust fund running out, clarifying what that worst-case scenario truly means for current and future retirees. Mentioned on the show: Rule 72(t): Secret Rule To Access Your IRA Early Rule of 72 Calculator - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 4, 2025, 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s November, and holiday shopping is underway. How do you make sure your packages aren’t stolen? Also, now that we’re in Black Friday month - there’s a major hazard to avoid while purchasing online.  Thwarting Porch Pirates: Segment 1 Ask Clark: Segment 2 Warning: BNPL aka Pay In 4: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Safely Get Your Most Important Packages⁠ Avoid Porch Pirates With These Delivery Options From Amazon, UPS, FedEx and USPS⁠ How To Freeze and Unfreeze Your Credit With Experian, Equifax & TransUnion⁠ ⁠Should I Freeze My Credit With the Other Credit Bureaus?⁠ 12 Keys To Keeping Your Home Wi-Fi Network Safe and Secure Why 'Buy Now, Pay Later' Worries Clark Howard What is hospital medicine, and what is a hospitalist? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - What are the chances of full recession, what’s the extent of it  now, and how can you prepare?  There are some key steps to take.  Clark Stinks: Segments 1 & 2 Recession Planning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should I Freeze My Credit With the Other Credit Bureaus? Streaming TV - Clark.com Why You Need To Check Your Credit Report Today Credit Karma Review: Free Credit Score and More at Your Fingertips Axios:The 22 states close to (or in) recession Credit Card Balance Transfer Calculator Loan Payoff Calculator  /  Make A Budget - Clark.com 10 Ways To Save on Prescription Drugs 3 Reasons You Should Never Book a Nonrefundable Hotel Room Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode, Clark has an update on the housing market, and how “involuntary landlords” are benefitting tenants. Also, you may notice some changes to some restaurant menus that are good for both your wallet and your health. Housing Update: Segment 1 Ask Clark: Segment 2 Smaller Portions: Win-Win: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Submit a complaint | Consumer Financial Protection Bureau Checking monthly statements key defense against credit card hacks Net Worth Calculator - Clark.com The next big thing on menus: Smaller portions When Do You Tell a Car Dealership You're Paying Cash? Where Should You Keep Your Cash Reserve? Money Market Funds: What They Are, How They Work 18 of the Best High-Yield Online Savings Accounts in October 2025 How To Get Your Financial Affairs In Order  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark Howard and Wes Moss: Is the Market Overvalued? and 401(k) Private Equity Debate Is today’s stock market dangerously overvalued — or still worth riding? In this special Ask an Advisor episode, Clark Howard and Wes Moss break down what’s driving record-high valuations, and how to stay invested without taking on too much risk. Then, the pair debate a big change coming to retirement plans: private equity in 401(k)s. Clark warns this could open the door to hidden fees and confusion for everyday workers, while Wes sees potential benefits if costs come down and transparency improves. Together, they offer a candid look at how investors can protect their savings — and their peace of mind — in an evolving market. All this and more on the October 28, 2025, 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark covers reward credit cards - how they profit the issuers, when they make sense for you, and when they do not.  Also, the new tax brackets are out and Clark has specific advice for you if you have the option of a Roth vs. Traditional 401(k) plan.  Reward Credit Cards: Segment 1 Ask Clark: Segment 2 Tax Brackets And 401(k)s: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: They Each Own 50 Credit Cards. Should You? seats.aero - Home  /  Point.me Best Travel Credit Cards: Top Rewards Picks for 2025 Best 2% Cash Back Credit Cards: Top Options for 2025 Citi Double Cash® Card Review: 5 Things To Know in 2025 IRS Announces New Tax Brackets and Other Changes for 2026 Roth vs. Traditional 401(k): What's the Difference? Best 529 College Savings Plans By State What Can I Safely Use for Peer-to-Peer Payments? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, some great news -  The number of residential burglaries in the U.S. has collapsed in recent years. Clark discusses the safety measure that has made the difference.  Clark Stinks: Segments 1 & 2 Home Burglaries Down: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Shop for Lower Car Insurance How To Beat Rising USPS Costs and Delays 18 of the Best High-Yield Online Savings Accounts in October 2025 8 Things To Know Before You Fly Frontier Airlines The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report Is One Medical Membership for Prime Members Better Than a Health Concierge? CELL PHONE PLANS - Clark.com Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

You may soon be eligible for one of Clark’s favorite saving & investment accounts - The HSA. Big changes are coming to the HSA world in 2026. Also today, despite the end of EV credits, how much cheaper it is to run an EV vs a hybrid vs a gas engine car?  Clark helps you calculate what makes the most sense financially over time, when it comes to your vehicle choice.  HSA Changes: Segment 1 Ask Clark: Segment 2 EV vs Hybrid vs Gas: Segment 3 Ask Clark: Segment 4 Mentioned on the show: IRS Announces New Tax Brackets and Other Changes for 2026 Where Should I Set Up My Health Savings Account (HSA)? Reminder: The Basics of Using HSA Funds 5 Money Tips To Know Before You Travel Abroad Your Passport Could Be Useless -- Even if It's Not Expired NYTimes: How Much It Costs to Drive an E.V. and a Gas Car in Every State How To Buy a Used Car How To Refinance a Car Loan: A Step-by-Step Guide Auto Loan Refinance Calculator - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Next Big Shift in Retirement Investing For decades, your 401(k) has meant stocks and bonds — but that’s about to change. Wes Moss dives into a major shift coming to retirement investing: private equity entering your 401(k). Private equity could open the door to investing in the other 87% of the U.S. economy — but should you be excited or cautious? Wes explains what this new era of 401(k) investing might really look like. Mentioned on the show: Wall Street Is Pushing Private Assets Into 401(k)s. We Asked Whether Anyone Wants Them.Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the October 21, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Food prices continue to rise - and Team Clark continues to find ways to help you control those costs.  Also today, something else costing more - electricity. With winter weather on the horizon how do you keep yourself warm and avoid setting your wallet on fire? Clark discusses ways to help you use less electricity. Grocery Savings: Segment 1 Ask Clark: Segment 2 Home Power Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Save Money on Groceries: 22 Clever Ways Aldi products have a new look / Aldi rebrands its private-label products Credit Karma Review: Free Credit Score and More  /  How To Monitor Your Credit How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion How To Save Money on Utilities   /   Electrify Now Heat Pumps  /  Want a heat pump? This startup just cut the cost in half Is It Ever OK To Co-Sign a Loan With a Family Member? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Home prices have inflated so much in recent years, and banks are luring home owners to tap that home equity like it’s a piggy bank. But what does this do to your overall wealth? Before you're tempted, hear what Clark has to say about HELOCs and home equity loans. Clark Stinks: Segments 1 & 2 Home Equity Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Term Life vs. Whole Life Insurance: Understanding the Difference 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them) What Is an HSA Account and How Does It Work? Where Should I Set Up My Health Savings Account (HSA)? Report: 10 Used Cars With Big Price Drops HELOC vs. Home Equity Loan: Similarities and Differences Home Equity Loan Calculator - Clark Howard Is a HELOC a Good Idea? The Simple Answer How To Buy a House in 9 Steps What to know about online purchases and tariffs Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark updates holiday airfare booking strategy - and discusses high fee travel credit cards. How do you know when they’re worth it? Also - Medicare Open Enrollment time brings a Clark warning about “disadvantage” plans and why you need to study your options this year.  Holiday Flights & Travel Cards: Segment 1 Ask Clark: Segment 2 Medicare Open Enrollment: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When To Book Your 2025 Holiday Flights Best Travel Credit Cards: Top Rewards Picks for 2025 American Express Platinum Card® Review: Is It Worth It? American Express Platinum Card® vs. Chase Sapphire Reserve®: Which Is Right for You? Citi Launches 2 New Credit Cards to Expand on Travel Rewards Ecosystem Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 OnePay CashRewards Card: Is the New Walmart Credit Card Worth It? Medicare: 10 Things To Know Why I Think Medicare Advantage Plans Stink - Clark Howard Medicare Advantage Warning: Read This Before You Auto-Renew Should I Freeze My Credit With the Other Credit Bureaus? Ooma VoIP Phone Service for Business and Home Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Bull Market Turns 3: Can It Keep Going? and the Truth About Feeling Financially “Set” We’ve hit the three-year mark of this bull market — stocks are up, dividends are strong, and history tells us there could still be room to run. But what happens next? Wes Moss breaks down the data and explains what history says about how long bull markets typically last — and why patience and balance matter most right now. Also, Wes explores what it really means to be financially “set” — and why that doesn’t always mean being settled. Whether you have $100,000 or $10 million, peace of mind comes from having a plan — and revisiting it often. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the October 14, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode - do you consider steaming TV as a monthly essential? You won’t believe how many of us do. So how do you spend less to watch your favorite shows?  And later - does certified pre-owned actually mean anything when you’re considering a used vehicle purchase? Clark explains how the CPO program began, and how it’s become very problematic. Your Streaming Costs: Segment 1 Ask Clark: Segment 2 CPO Vehicles: Segment 3 Ask Clark: Segment 4 Mentioned on the show: STREAMING TV - Clark.com What Disney’s New Price Hikes Mean for Your Favorite Streaming TV Bundles Best Free Streaming Services in 2025: Movies and TV for Cord Cutters 4 Things To Know Before You Buy a TV Antenna Clark Howard Is Making These Changes to His Streaming TV Strategy How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Certified Pre-Owned Vehicles: What You Need to Know Before You Buy Should You Buy an Extended Warranty on Your Car? Are Car Wash Memberships Worth It? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Football season means Clark is back to watching TV, and he’s got clarification on some offers in ads you’re likely seeing too.  Clark Stinks: Segments 1 & 2 “FREE” Phones? Not Really: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Things To Know Before You Buy a TV Antenna How To Watch Local Channels Without Cable Report: The Most Affordable Places To Live in America 5 Money Mistakes To Avoid When Traveling Best Way To Exchange Dollars for Foreign Currency & When To Exchange 5 Money Tips To Know Before You Travel Abroad Why You Should Never Use a Debit Card To Pay for Anything The Best Phone Plan For You - Compare Phone Plans Should you ever get a "free" phone from a wireless carrier? How To Monitor Your Credit   /   How To Get a Free Credit Report How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a clear trend in how people are shopping today. Consumers of all income levels are seeking out bargains, changing where and how they buy everyday goods - a Clark smart reaction to inflation & tariff effects. Also today - You may need a cure for what ails you, but don’t trust medical ads you see online. Scammers are using AI and other manipulative tools to pitch FAKE healthcare products that appear to be endorsed by medical professionals. Financial and physical harm can result.  Mindful Shopping: Segment 1 Ask Clark: Segment 2 Fake Medical Ads Online: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Axios: Dollar General shows even the affluent are seeking bargains 80-10-10 Mortgage: Meaning, Benefits and Examples The Secret to Avoiding PMI and 20% Down? A Piggyback Loan NYTimes: The Doctors Are Real, but the Sales Pitches Are Frauds What Is an HSA Account and How Does It Work? The Lancet | The best science for better lives Virtual Credit Cards: An Online Security Measure Worth Taking? 5 Things To Do Before You Sign Up for a Free Trial Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Is Inflation Good or Bad for the Market? and the $5 Million Dollar American Dream The market loves a "Goldilocks" environment, but what is the magic number for inflation that delivers the highest stock returns? Wes dives into the data to show how inflation rates directly impact your portfolio. Also, Investopedia put a price tag on the American Dream, but Wes has a reality check. Find out what you need to earn over your working career to afford a home, raise kids, pay for college, and reach the "Green Zone" in retirement. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the October 7, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s show - a recent Tik Tok video claimed to show young people how to set themselves up to have $4 million at retirement - with some help from their parents in early adulthood. But how can you actually tell how much you’re going to have in retirement? We have a new tool that can help.   Also today - There ARE answers to the housing shortage. The technology is there. Clark has always been interested in innovative ways to modernize the way we build housing in the U.S. and shares some promising developments. Calculated Retirement Saving: Segment 1 Ask Clark: Segment 2 Innovative Affordable Housing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Investment Growth Calculator - Clark.com How To Retire a Millionaire With a 401(k) Plan in 19 Years How To Use an IRA To Become a Millionaire  /  How To Open a Roth IRA 5 Vacation Scams To Avoid This Travel Season Why Clark Says Everyone Should Have a Dash Cam This Brooklyn apartment complex was built like a Lego set Why Clark Says Prefabricated Housing Is The Future These former Amazon robotics executives just landed $20 million to tackle the housing crisis ⁠/  ⁠Axios:Sweaty paint⁠ To spur construction of affordable, resilient homes, the future is concrete Target Date Funds: Clark's Favorite Retirement Investment Invest & Retire  /  Fidelity Investments Review: Pros & Cons Best 529 College Savings Plans By State Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark goes pass wild with Frontier - and shares an important warning for air travelers who do something Clark will not do - check a bag. Clark Stinks: Segments 1 & 2 The Bag Tag Scam: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is Umbrella Insurance and Do You Need It? 3 Reasons You Should Never Book a Nonrefundable Hotel Room⁠ Travel Insurance Checklist: 5 Types of Coverage To Consider Scam Alert: Never Throw This Away in an Airport Airport Worker Reveals Growing Luggage Tag Scam Targeting Travelers Should I Buy an AirTag for My Checked Airport Luggage? How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Chase Sapphire Preferred® Travel Card Review Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Clark's Updated Way To Shop for Car Rental Deals Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, we reprise Clark’s interview with beloved colleague Jonathan Clements  from October 8, 2024. He had, and still has much to teach us all. An Honest Conversation About Death and Finance With Jonathan Clements Special Edition - Clark welcomes longtime friend and colleague, Jonathan Clements. A London born Cambridge University graduate, financial writer Jonathan Clements is the founder and editor of HumbleDollar.com and author of "From Here to Financial Happiness," "How to Think About Money" and seven other books. His vast experience and contributions include serving as financial education director and teacher in various capacities, and as the personal finance columnist for The Wall Street Journal. Mentioned on the show: Jonathan Clements, Longtime WSJ Columnist, Dies at 62 Saying Goodbye to the WSJ's Jonathan Clements Five Pearls of Wisdom From a Legend of Financial Writing HumbleDollar: Home   /   Humble Dollar - The C Word NY Times - A Money Guru Bet Big on a Very Long Life. Then He Got Cancer. Washington Post - Opinion Living was easy. Dying is harder. The WSJ’s Jonathan Clements Wants to Leave a Living Legacy Living Will and Durable Power of Attorney: Frequently Asked Questions Wills & Funerals Archives - Clark Howard Have a Kid in College? You Need These Legal Documents in Place Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, football is in full swing, and so is something very troubling. People are losing enormous amounts of money on electronic gambling. Clark discusses how the nature of modern gambling can increase the risk of gambling addiction, and steps to take if this is a concern.  Also - How accurate are credit reports by the 3 credit bureaus? What you don’t know about your credit report can hurt you. A Clark assignment. Sports Gambling: Segment 1 Ask Clark: Segment 2 Credit Report Accuracy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Resource: Pause Before You Play Best Online Banks: Free Checking and High-Interest Savings Accounts How To Buy a Used Car How To Get a Free Credit Report Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Why Clark Howard Wants You to Set Up a 'Financial Chromebook' How To Bring an Old Laptop Back to Life for Free Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Crucial Financial Conversation Everyone Needs To Have NOW and Brand New Money Rule When was the last time you talked to a family member or loved one about your finances? Wes shares an important financial conversation warning that stems from a tragic and immediate crisis. Wes explains how a simple, 30-minute conversation could have prevented weeks of crippling anxiety – and what you need to do ASAP to prepare yourself and your family. Also, there’s a brand new money rule of thumb: The 0.01% Rule. Clark's listeners are famous for their frugality, but Wes argues there's a tipping point where we spend too much energy worrying about small expenses. This mathematical rule helps you decide when to open your wallet without regret. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 30, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s almost time to choose health insurance for 2026 and there are some significant changes coming with medical care. Clark has important info you need to know ahead of making your elections for open enrollment.  Also, interest rates are up in the air right now.  Is now a good time to open a CD and/or CD ladder with predicted interest rate cuts?  Clark offers a defensive strategy for the money you save.  Attention: Open Enrollment Changes: Segment 1 Ask Clark: Segment 2 CD Laddering : Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Health Care Costs for Workers Begin to Climb Spot Health Insurance Scams | Consumer Advice Is it health insurance or a medical discount plan? More employers adopting ICHRAs, giving workers money to buy their own health insurance Why Clark Howard Switched His Cell Phone Service After 18 Years With T-Mobile Internet Price War: Why Now Is a Good Time To Threaten To Cancel Wirecutter: How to Avoid a Huge Customs Bill on a Cheap Online Order What Is a CD Ladder and When Is It a Good Idea? CD Ladder Calculator - Clark.com 17 New Cell Phone Deals in September SIM Card Swapping: The Dangerous Cell Phone Scam Why You Need To Lock Your Phone Number Today Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, has Prime membership reached its peak? Clark discusses Amazon Prime, including why & how they’re ending a family sharing program. Clark Stinks: Segments 1 & 2 Amazon Prime Change: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Much It Will Cost To Watch Every NFL Game in 2025 4 Things To Know Before You Buy a TV Antenna What Is a 403(b) and How Does It Work? Why You Should Never Use Roadside Assistance What Is an HSA Account and How Does It Work? Report: Automakers With the Most and Fewest Recalls The Verge: Amazon ends shared Prime free shipping outside your home Is Amazon Prime Worth It? STREAMING TV - Clark.com 3 Financial Documents Everyone Should Have by Age 18 Why You Need To Talk to Your Family About Your Estate Before You Die How To Make Your Online Accounts Accessible When You Die Wills & Funerals Archives - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

How much do you really need to retire? That is the golden question, and of course the true answer is “it depends.” If you’re worried you haven’t saved enough, new data shows the state you reside in can be a big factor in determining your goal.  Also today - We’ve seen so much inflation in the restaurant industry, but now there’s good news for consumers. Fast food restaurants are in a heated battle to offer more deals, and Clark tells you the best way to pay less. State Of Retirement: Segment 1 Ask Clark: Segment 2 Fast Food Discounts Return : Segment 3 Ask Clark: Segment 4 Mentioned on the show: Report: The Best and Worst States for Retirement The Minimum Savings You Need To Retire in All 50 States Why You Should Never Mail a Check 10 Best Free Checking Accounts in 2025 Why You Should Never Use Roadside Assistance What Is a C.L.U.E Report and Its Impact on Your Insurance How to Dispute Your C.L.U.E. Report A wave of significant menu changes is reshaping fast food What Is Umbrella Insurance and Do You Need It? Who Should Consider Setting Up a Trust? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

What a Fed Rate Cut Means for Your Money and #1 Financial Fear (and How To Beat It)The Fed just cut rates. What does this mean for your money? Wes breaks down what the latest Fed rate cut means for your personal finances. He discusses how a drop in rates impacts everything from mortgage rates and the housing market to your investment portfolio. Plus, Wes shares his insights on the biggest financial fear for many Americans and offers a simple solution to gain clarity and peace of mind. Mentioned on the show: Rule 72(t): Secret Rule To Access Your IRA Early Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 23, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark talks about the new Robinhood experience. A pioneer of free stock trading,  Robinhood is looking to build real relationships with investors. Clark discusses how Robinhood Gold works, with incentives aligned to savings. Later in this episode - when was the last time you went to a movie theater? The world’s largest movie chain is doing membership off-peak pricing on certain weekdays. Just be aware of the price perils within the theater!  Robinhood Investing: Segment 1 Ask Clark: Segment 2 At The Movies: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Is Robinhood Gold Worth It? UGMA/UTMA 529 Plan: Definition, Pros & Cons vs. Traditional 529 Best 529 College Savings Plans By State My Neighbor’s Dead Tree Is About To Fall on My House. What Do I Do? AMC’s 50% discounts are here. Will it help revive the movie industry? When Should You Pay Off Your Mortgage Instead of Investing? Early Mortgage Payoff Calculator Vanguard Personal Advisor Review Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Something else that stinks? Finding rats in a hotel room! Clark explains why the name on the building is no longer a guarantee when it comes to hotel chains - and how you should approach booking. Clark Stinks: Segments 1 & 2 Devalued Hotel Brands: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an Annuity, and Why Does Clark Think They Stink? How Two Clark-Approved Annuities Can Reduce Retirement Stress How To Get a Gym Membership for Practically Free Charles Schwab - What is a variable annuity? View from the Wing: Guest Pulls Out Marriott Sofa Bed, Finds Rotting Baby Rats — Compensation Denied 3 Reasons You Should Never Book a Nonrefundable Hotel Room About Elliott Advocacy 5 Best Credit Card Bonuses and Recommendations in September Best Credit Card Sign-up Bonuses Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A stressful, burdensome price pressure squeeze play - this describes housing costs today. So potential homebuyers have much to consider. Clark talks through how to think realistically about the real cost of home ownership. Also today, the first way to stretch a dollar is to shop second hand. A simple reminder to explore a wider area of where to buy used near you!  True Cost Of Home Ownership: Segment 1 Ask Clark: Segment 2 Thrifting Is Brilliant: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The 28% Rule for Housing: Does It Still Work in Today’s Market? 4 Things To Know Before You Buy Renters Insurance Best Credit Cards for Students: Top Picks for 2025 What Brokerage Do You Recommend for First-Time Investors or Kids? Fidelity Investments Review: Pros & Cons Thrifting is still big business, according to Pinterest Pawn shops: The surprising shopping destination 6 Things To Know Before Contacting the National Foundation for Credit Counseling Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

5 Pillars of Investing (Good Times and Bad) and How To Pay 0% on Capital Gains Investing in today's world can feel complicated, but it doesn't have to be. Fiduciary financial advisor Wes Moss breaks down the "5 Pillars of Investing" for both good times and bad. Also, he shares a powerful strategy to potentially pay 0% on your long-term capital gains, based on new tax law changes. Mentioned on the show: The 4% rule is now the 4.7% rule. Here's why that matters. There’s a ‘golden opportunity’ to pay 0% capital gains under Trump’s ‘big beautiful bill,’ experts say Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 16, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s show, crooks are finding new, sophisticated ways to get into your accounts. There are risks with voice ID, 2 factor authentication, spoofing, pretexting and more. Clark shares ways to protect yourself.  Also, how do you “futureproof” your career with so many changes coming from AI, robotics and more? Clark discusses the value of looking ahead, enhancing your skillset, and asking “what’s next” jobwise.   Guard Your Accounts: Segment 1 Ask Clark: Segment 2 Futureproof employment: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Need To Lock Your Phone Number Today Vanguard Account Security - Spotting and stopping more sophisticated scams Lawsuit Claims Zelle Security Lapses Cost Over $1 Billion in Fraud: What You Need to Know How to outfox financial scammers What Is an HSA Account and How Does It Work? What Is a Flexible Spending Account? 8 Retirement Catch-Up Secrets for Savers 55+ Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, Empowerment in Action: Our team has developed a new tool to help you make one of life’s largest purchase decisions - exclusively at Clark.com Clark Stinks: Segments 1 & 2 Car Cost Calculator: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Can I Safely Use for Peer-to-Peer Payments? Why You Need To Lock Your Phone Number Today Best 529 College Savings Plans By State 5 Money Tips To Know Before You Travel Abroad The Total Cost of Buying Cars (Calculator) Clark.com How Much Car Insurance Do I Need? 10 Ways To Save Money on Car Insurance Will I Get a Better Deal on a Car By Financing or Paying Cash? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode - a Federal sweep has revealed how transactional crime rings have engineered a common scam that is emptying accounts. Clark shares the warning and tells you how to avoid having your credit or debit card information stolen. Also, electricity rates are skyrocketing, but we are not sitting ducks. A breakthrough in self-install solar is becoming more mainstream. Avoid Skimmer Scams: Segment 1 Ask Clark: Segment 2 Self-Install “Balcony” Solar: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Protect Your Money From Sneaky Card Skimmers Chase Sapphire Preferred® Card Review: Travel Card Credit Card Car Rental Insurance: What You Need To Know Why You Should Keep Old Credit Card Accounts Open How and When To Cancel a Credit Card Axios: Electricity costs rise amid data center boom Can’t put solar panels on your roof? Plug-in ‘balcony solar’ may be for you. Homeowners Insurance Archives - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

What Really Drives the Stock Market and Why Even Perfect Estate Plans Fail Have you ever wondered why the stock market seems to be doing great while the economy feels just... okay? In this episode, fiduciary financial advisor Wes Moss explains why the stock market often tunes out economic "noise" like geopolitical events and rising unemployment. He reveals the number one thing that drives stock performance -- and it's not what you think. Also, you've done all the right things: created a will, set up a trust, and made your wishes clear. So why do so many estate plans -- even those of celebrities like Jimmy Buffett -- end up in messy family feuds and court battles? Wes has the answer. Mentioned on the show: The Rule of 55: What Is It, How It Works Rule 72(t): Secret Rule To Access Your IRA Early Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 9, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

New data shows the value of automatic savings into retirement plans - and the consequence of not having a plan.  So if you don’t have access through work, start one yourself. Your map to retirement - Clark says let’s get on it! Your future self will surely thank you. Plus, a simple audit of your checking and credit card accounts is in order. Clark has something specific for you to look out for. Retirement-Automatic Is KEY: Segment 1 Ask Clark: Segment 2 Subscription Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 1 Million Workers Have Saved $2 Billion in State Automated Retirement Savings Programs How To Open a Roth IRA   //   Clark.com - Invest & Retire 6 Things To Know About Series I Savings Bonds The Best Phone Plan For You - Compare Phone Plans Is Medical Tourism Right for You? How To Manage Your Monthly Subscriptions To Save Money How Fidelity's Credit Card Rewards Just Got Even Better How Landlords Can Check a Tenant's Credit Report Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark addresses meme stocks and crypto schemes appearing on social media. An old scam in a new era is ripping people off big time, with the lure of finding a shortcut to wealth. Also -  Booking travel at a time of instability in the industry means you could get ripped off. Clark tells you how it goes down, and has expert advice to help protect your money when booking. The Pump & Dump Con: Segment 1 Ask Clark: Segment 2 Safe Travel Booking: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  ‘I almost fell off my chair’: Investors lose billions on meme stocks as ‘pump and dump’ scams multiply Car Insurance Archives - Clark Howard What Is Umbrella Insurance and Do You Need It? Would you book a ticket on a dying airline? How To Plan a Trip: Clark's Best Travel Tips To Save Money Google Flights Launches New Tool for Finding Cheap Airfare 3 Reasons You Should Never Book a Nonrefundable Hotel Room 4 Fastest Ways To Improve Your Credit Why 'Buy Now, Pay Later' Worries Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - How Clark saved money solving his streaming dilemma just in time for football season. Also, paying for skilled nursing, assisted living, memory care and long-term care facilities only gets more costly & complicated. Clark has a warning for those trying to navigate the system.  Streaming Update: Segment 1 Ask Clark: Segment 2 Senior Facility Payment Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard Is Making These Changes to His Streaming TV Strategy Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels Is the New Sling Select Subscription Tier Worth It? Clark.com - Streaming TV  /  How To Watch Local Channels Without Cable 4 Things To Know Before You Buy a TV Antenna Making Sense of the Disney, ESPN, Hulu and NFL Streaming TV Headlines 5 Things You Should Re-Shop To Save Money 3 Reasons You Should Never Book a Nonrefundable Hotel Room Automatic Bill Pay: How It Works and How To Do It Safely  Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Power of Dividend Growth Explained and Is the Midwest the Next Silicon Valley? Should we fall in love with dividends? Fiduciary financial advisor Wes Moss tackles the classic debate of stocks versus bonds with a deep dive into the power of dividends. Using data going back 45 years to 1980, Wes reveals how an investment in the S&P 500 would have dramatically outperformed bonds, with dividends growing by an incredible percentage. Also, Wes shares a fascinating look at the future of American manufacturing. He draws a comparison between the 1950s and today, highlighting the huge growth in productivity and innovation. Wes argues that the next big frontier for economic growth might not be in Silicon Valley, but in the heart of the Midwest, thanks to modern-day "George Jetsons" and a renewed focus on high-tech manufacturing. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 2, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, the high cost of REAL health insurance is driving a surge in low cost health “coverage” being pitched to both individuals and small businesses - plans that are either bad, or worse, total scams. Clark Stinks: Segments 1 & 2 Bogus Healthcare Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an HSA Account and How Does It Work? Where Should I Set Up My Health Savings Account (HSA)? What Is a Flexible Spending Account? How Do You Prepare for the Likelihood of Long-Term Care Costs? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Travel Insurance Checklist: 5 Types of Coverage To Consider SCORE - For The Life Of Your Business Looking for health insurance? Make sure that’s what you’re getting Fake Health Insurance Scam: Are You Covered or Being Hustled? Term Life vs. Whole Life Insurance: Understanding the Difference How To Buy Term Life Insurance in 7 Easy Steps What Is a 403(b) and How Does It Work? /  403bWise.org How To Open a Roth IRA  /  What Are Index Funds?  Best Investment Companies for Investors in 2025 Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses why having a portion of your retirement funds in overseas investments is highly recommended.  Also - Why Clark’s recent advice on shopping airfares just changed. Investing Worldwide: Segment 1 Ask Clark: Segment 2 Airfare Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Investing Abroad Could Pay Off Best Online Banks: Free Checking and High-Interest Savings Accounts - Clark.com How to Buy a New Car in 5 Steps Booking Domestic Flights One-Way? It's Costing You More (Again)⁠ Is the One-Way Flight Strategy Broken? How Clark Howard Still Finds Cheap Airfare Delta’s New Fare Changes Just Made Booking Flights and Earning Miles More Complicated⁠ Travel Archives  /   Cruises - Clark Howard Top 7 Ways To Shop Safely Online Should You Get a Business Credit Card? | When Is It Worth It? Best Small Business Credit Cards: Top Picks for 2025 Best 2% Cash Back Credit Cards: Top Options for 2025 Best Cash Back Credit Cards With No Annual Fee in 2025  Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A retired couple’s home renovation plans nearly triggered a massive, hidden cost that no one wants to pay: the Income-Related Monthly Adjustment Amount (IRMA). Fiduciary financial advisor Wes Moss breaks down how a simple plan to pay for a renovation could have led to thousands of dollars in extra Medicare premiums and what you can do to avoid a similar fate. Also, Wes dives into the world of AI and financial planning. He explains why AI is a powerful tool for analysis, but warns against using it as a fortune teller. Find out how you can use AI to your advantage while avoiding the dangerous pitfalls of letting it make your big financial decisions for you. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 26, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever wake up Monday regretting how much you spent over the weekend? Today Clark re-examines the no spending trend through a needs-vs-wants traffic light lens as a smart way to think about spending.  Also today  - Travelers are being heavily targeted at ATMs & check outs. Clark shares an easy way to protect your wallet and identity when out & about - and why this is necessary now more than ever.  Mindful Spending: Segment 1 Ask Clark: Segment 2 ATM Pickpockets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should you buy it? If you answer 'yes' to these questions, probably not What Can I Safely Use for Peer-to-Peer Payments? Can I Use an Online Will Maker or Do I Need an Attorney? How To Create a Will Online  /  Wills & Funerals Archives How To Freeze and Unfreeze Your Credit With Experian, Equifax & TransUnion NYTimes: Help! A Pickpocket Used My A.T.M. Card, and Citi Won’t Cover It. Unpack these cybersecurity tips for a stress-free vacation Why It's a Great Time To Get a Cheap Ticket to Europe How To Pack a Carry-On the Right Way Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also - Digital pricing is popping up in more supermarkets. Clark discusses how this pricing works, and how the results are turning out to be quite different from his early predictions.  Clark Stinks: Segments 1 & 2 Dynamic Grocery Pricing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon vs. Walmart: The Price War You’re Probably Losing (and How to Win!) Subscription Services: Why Canceling Is So Hard (and a Solution) 4 Insurance Policies You Actually Need (And 4 You Don't) Clark Addresses Changes to One of His Favorite Travel Credit Cards Top 10 Perks of the Capital One Venture X Rewards Credit Card Welcome to the Grocery Store Where Prices Change 100 Times a Day - WSJ What Can I Safely Use for Peer-to-Peer Payments? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A rapidly changing job market calls for reassessment and thinking outside the box. And maybe outside your town. Clark seeks to help open your mind on 3 fronts in the quest for satisfying employment. Also, 529 Plans just got even better, with new ways to utilize them for non-traditional education. Job Assessment: Segment 1 Ask Clark: Segment 2 New Possibilities With 529 Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  Axios: Where the jobs are How To Find a Job in a Frozen Market 5 midsize U.S. cities driving small-business growth   Is Now a Good Time To Buy an Electric Vehicle? Should You Ever Lease a Car? Report: These 10 Vehicles Are the Best for the Money in 2025 Best 529 College Savings Plans By State 529 to Roth IRA: Rollover Rules, Conversion Guide, and FAQs How to Get Financial Affairs In Order Before Death or Disability Subscription Services: Why Canceling Is So Hard (and a Solution) ESPN and FOX Join Forces on New Streaming TV BundleIs Is Sling’s New Subscription Option the Sneaky Way To Watch Football in 2025? Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Why This Retired Couple Is Still 70% in Stocks and Will the Fed Start Lowering Rates? A retired couple in their 80s has big pensions, no debt, and a significant amount of their portfolio in stocks. While traditional wisdom suggests being more conservative with age, find out why they have an “infinite time horizon,” as fiduciary financial advisor Wes Moss explains. Also, the Federal Reserve is the engine of the U.S. economy, and its decisions on interest rates have massive ripple effects, from the housing market to your savings account. With the latest inflation and jobs reports suggesting a cooling economy, Wes explains why we may be at the end of the "higher for longer" era. He also provides a critical heads-up for savers. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 19, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode, Clark talks about the condo market and what makes it different from the single-family home market. Later, there’s a common, costly fee that may appear on your doctor bill that is generally not disclosed, and charged after treatment. Clark explains what’s going on and how to prevent getting gouged by this.  The Condo Market Difference: Segment 1 Ask Clark: Segment 2 Undisclosed Facility Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Credit Lock vs. Credit Freeze: What's the Difference? NBC News: Did your doctor's office charge you a 'facility fee'? Here's what to know. Why It’s a Great Time To Get a Cheap Ticket to Europe What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Best Financial Advisors in 2025 Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, one major rental car company has now earned the “do not rent” label from Clark. Get Clark’s latest advice on car rentals.  Clark Stinks: Segments 1 & 2 Car Rental Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Booking a Cruise? Here Are 5 Ways To Do It for Less You Won't Believe What Clark Howard Says About Wells Fargo Now What Is an HSA Account and How Does It Work? Subscription Services: Why Canceling Is So Hard (and a Solution) What Is a CD Ladder and When Is It a Good Idea?  /  CD Ladder Calculator Marriott Bonvoy Boundless® Credit Card Review: What You Should Know The Secret Technology Rental Car Companies Are Using Against You Cheapest Way to Rent a Car: Expert Tips Major Changes Announced for Southwest Airlines Credit Cards How Do You Prepare for the Likelihood of Long-Term Care Costs? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has vital, very important advice for fellow travelers regarding insurance. Also today - while tragic disasters bring out the best in people rendering aid, we know that scammers routinely emerge to exploit this attribute, with ploys to steal donations. Clark discusses what to watch out for in a case of disaster when you want to be of help. Travel Health Insurance: Segment 1 Ask Clark: Segment 2 Scams After Disasters: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Travel Insurance Checklist: 5 Types of Coverage To Consider Should You Ever Buy Travel Medical Insurance? Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? 5 Steps To Getting a Good Deal on a Hotel Room 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Choose the Best Charities for Your Donations Spot and avoid FEMA impersonators BBB-File a Complaint Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Is the 60/40 Rule DEAD? and Inheriting Money The Right Way Is the 60/40 investing rule dead? Fiduciary financial advisor Wes Moss tackles this question by looking back at research and revealing what a $500,000 portfolio would look like today. He shares why balanced investing is still critical for a comfortable retirement. Also, with the largest wealth transfer in history underway, Wes provides a reality check on inheriting money. He gives you a simple checklist for receivers and givers to make sure you're prepared. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 12, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Not all retirement plans are created equal. When it comes to the 403bs many teachers and non-profit workers are offered - the math is wrong. And not all 401(k)s will serve you well. Knowing how to get the most from your investments can mean WAY more money in retirement.   Also - It’s rare to find the opposite of shrinkflation, but some retailers and restaurants are filling the value gap - in buckets!  Retirement Plan Choice: Segment 1 Ask Clark: Segment 2 Bonus! Buckets Of Coffee: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Teachers Are Learning a Hard Lesson. Their Retirement Plans Cost a Fortune.⁠ ⁠What Is a 403(b) and How Does It Work?⁠  /   ⁠403bwise.org⁠ ⁠How To Open a Roth IRA⁠ ⁠401(k)s Weren’t Built for the Gen Z Economy⁠ ⁠Why You Need To Know Your Company 401(k) Fees⁠ ⁠Investing & Retirement Archives - Clark Howard⁠ ⁠What Is a Fiduciary Financial Advisor and Do I Need One?⁠ ⁠Your Morning Coffee, in a Bucket⁠ Is Now a Good Time To Buy an Electric Vehicle? ⁠Report: 4 Used Electric Vehicles Under $25,000⁠  /  ⁠ABRP Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark explains a new pricing tactic now in use in the airline industry - and the booking strategies that can help you save more on travel. Clark Stinks: Segments 1 & 2 AI Airfares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Deal With Medical Debt Can a Patient Advocate Help With Your Medical Bills? Warning: Watch Out for This Big Ripoff at the Pump Why Are Retailers Adding an Additional $1 Charge on My Credit Card? Sam's Club® Mastercard® Review: Earn 5% Back on Gas Purchases What Is a CD Ladder and When Is It a Good Idea? The Best Cheap Sunscreens in 2025 Travel Archives - Clark Howard Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark explains the “Trump Account” for newborns - including how the account works and how best to manage one. Later - Get the lowdown on something we all need to protect ourselves from - cell phone sim swapping fraud. Trump Accounts: Segment 1 Ask Clark: Segment 2 Warning: Sim Swapping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Don’t Make This “Trump Account” Mistake⁠ ⁠⁠Should You Start a 'Trump Account' for Your Child?⁠⁠ ⁠⁠What Is Umbrella Insurance and Do You Need It?⁠⁠ ⁠⁠How To Improve Your Credit Score in 5 Key Areas⁠⁠ ⁠⁠Credit Score Experts: How To Take Your Score from ‘Good’ To ‘Exceptional’⁠⁠ Why You Need To Lock Your Phone Number Today ⁠⁠Axios: How Scattered Spider hackers are wreaking havoc on corporate America⁠⁠ ⁠⁠SIM Card Swapping: The Dangerous Cell Phone Scam⁠⁠ ⁠⁠Clark Howard's Guide to Saving Money on Your Wedding⁠⁠ ⁠⁠Are Money Market Funds a Safe Place To Stash My Savings?⁠⁠ Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Catch-Up Secrets for Savers 55+ and Does the 4% Rule Really Work? Are you 55 or older and feeling behind on retirement savings? Or perhaps you're wondering how to make your money last once you do retire? Fiduciary financial advisor Wes Moss dives deep into crucial strategies for those 55 and up, including powerful "catch-up" contributions for your 401(k), IRA, and HSA that can add thousands to your nest egg. Also, Wes also reveals the often-debated but incredibly powerful 4% rule, explaining why it's a critical guideline for sustainable retirement withdrawals and how it can reduce your anxiety about running out of money. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 5, 2025 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In an ongoing breach of ethics to the lasting detriment of consumers, many subscription services make it virtually impossible to cancel. So there’s something you need to do before signing up for anything. Also - Clark breaks down IRS reporting requirements on payment apps -which aren’t becoming more stringent after all. If you’re a vendor, small contractor or do business via payment app, know what will trigger a 1099.   Click To Cancel? We Wish: Segment 1 Ask Clark: Segment 2 Payment Apps & 1099s: Segment 3 Ask Clark: Segment 4 Mentioned on the show: One Tech Tip: 'Click-to-cancel' is over, but there are other ways to unsubscribe Cash Envelope System: How It Works Budgeting & Saving Archives - Clark Howard How To Take Your Score from ‘Good’ To ‘Exceptional’ Credit Karma Review: Free Credit Score and More at Your Fingertips Two tax reporting changes on tap for businesses, freelancers and payment apps like Venmo How to Start Investing: 10 Steps for Beginners Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode,  a Christmas pricing preview - and word to Amazon Prime loyalists about new pricing, and cheaper alternatives. Clark Stinks: Segments 1 & 2 Amazon Price Changes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Mail a Check  /  What Is FedNow? What Is a Roth 401(k) and How Does It Work? Social Security Survivor Benefits Amazon Raised Prices on Hundreds of Essentials After Trump Unveiled Tariffs Amazon Prime vs. Sam’s Club: Which membership is a better deal? Walmart+ Membership Program: 4 Things To Know Best Credit Cards to Use at Walmart in 2025 The Platinum Card® from American Express Review: Is It Worth It? What Is a Fiduciary Financial Advisor and Do I Need One? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With car insurance rates escalating, many people are serious about shopping around for a better deal. Clark offers guidance for lowering that bill. Also, a topic of great interest to Clark and vital to us all: Energy and the factors affecting how much we pay.  Save On Auto Insurance: Segment 1 Ask Clark: Segment 2 Energy Diversity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Need To Shop Your Auto Insurance ASAP⁠ Best Auto Insurance Companies and Some of the Worst⁠ ⁠How to Shop for Lower Car Insurance⁠ ⁠10 Ways To Save Money on Car Insurance⁠ ⁠Insurance costs are soaring around Tornado Alley. Hail is the big problem.⁠ ⁠Clark Howard's #1 Rule Before You File an Auto Insurance Claim⁠ ⁠How To Open a Roth IRA⁠ ⁠In Small Nuclear Reactors, There’s One Clear Leader Today⁠ ⁠The Best Cheap Phone Plans Under $40/Month⁠ ⁠The Best Phone Plan For You – Compare Phone Plans⁠ ⁠The Secret Technology Rental Car Companies Are Using Against You⁠ ⁠Cheapest Way to Rent a Car: Expert Tips⁠ Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are You Richer Than You Think? and This Little-Known Strategy Can Save You a Ton in Taxes Do you feel rich? Fiduciary financial advisor Wes Moss breaks down how to calculate your “rich ratio” and reveals surprising signs you're wealthier than you realize. Plus, discover the little-known NUA rule – a potential tax-saving strategy that could save you thousands on your 401(k)! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 29, 2025 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - Clark discusses how retailers and consumers are handling inflation. To deal with higher prices, we’re changing how & where we shop. It works!  Also, it's more important than ever to be on guard because scam attempts are nearly constant. Clark alerts you to some of the latest scams so you don’t get ripped off.  Offset Inflation: Segment 1 Ask Clark: Segment 2 Most Common Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 10 Ways You're Wasting Money on Groceries Axios: Store brands become retail's secret weapon against tariffs Dollar General is shaking off tariff fears and winning over higher-income consumers Barrons: The Rich Are Shopping in Dollar Stores. What It Means for the Economy. Best 529 College Savings Plans By State 529 to Roth IRA: Rollover Rules, Conversion Guide, and FAQs BBB-File a Complaint How to Freeze Your Child's Credit Overwhelmed by Scammers? 96% of Americans Are Targeted Every Week Scammers posing as SPCA and animal welfare staff AI Obituary Pirates Are Exploiting Our Grief. I Tracked One Down to Find Out Why Student loan scammers won’t offer relief This hurricane season, prepare to avoid the scams Are you really out of Cloud storage or is that message a scam? Think Twice Before You Click ‘Unsubscribe’ The Safer Way To Use Your Debit Card Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark discusses some unusual developments happening with air travel right now, including lower fares to Europe, and explains how reshopping advance bookings can save frequent flyers big money.   Clark Stinks: Segments 1 & 2 Airfares to Europe: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠12 Things You Never Knew You Could Get From Your Local Library⁠ ⁠Transatlantic airfares slump as Europeans continue to shun travel to America⁠ Why It’s a Great Time To Get a Cheap Ticket to Europe ⁠It will soon be possible to fly for just $5, but with one condition, and it’s not something you’ll like.⁠   ⁠How To Save on Travel With Google Flights⁠ ⁠Should I Tip on a Cruise?⁠  /  ⁠Tipping on a cruise. What to do, what to expect⁠ ⁠Cheapest Way to Rent a Car: Expert Tips⁠ ⁠How To Dispute a Charge on Your Credit Card⁠ ⁠The Secret Technology Rental Car Companies Are Using Against You⁠ Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

To save more, it’s important to tackle the “monthlies” - those bills that come due month after month. Today, Clark discusses how the cable monopoly is weakening and now you have more affordable choices for home internet. Also, a big monster mega bank with a lengthy rap sheet, formerly referred to by Clark as “criminal enterprise posing as a bank”  - seems to have emerged from the dark side.   Save On Home Internet: Segment 1 Ask Clark: Segment 2 Wells Fargo’s New Start: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠ Internet Price War: Why Now Is a Good Time To Threaten To Cancel ⁠How To Find the Best Deal on Cheap Internet Service in 4 Steps⁠ ⁠Internet Archives - Clark Howard⁠ ⁠Understanding Home Equity Agreements⁠ ⁠What Is an Annuity, and Why Does Clark Think They Stink?⁠ You Won’t Believe What Clark Howard Says About Wells Fargo Now ⁠Should You Make Your Child an Authorized User on Your Credit Card?⁠ ⁠Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards⁠ ⁠18 of the Best High-Yield Online Savings Accounts in July 2025⁠ ⁠How To Open a Roth IRA ⁠ Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

10 Financial Myths That Are Costing You Money Are you falling for common financial myths that are holding back your wealth? Fiduciary financial advisor Wes Moss debunks 10 prevalent financial misconceptions that could be costing you big time! 10 Investing Myths That Are Costing You Money Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 22, 2025 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We all have to eat, but these days, eating out can eat up your wallet.  Many Americans are adjusting their food spending habits, and Clark has some tips for you. Also, for those who regularly mail out packages, Clark discusses options for reliable, affordable shipping.  Food Savings: Segment 1 Ask Clark: Segment 2 Clark Smart Shipping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Axios: 1 big thing: Home cooking⁠ ⁠Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?⁠ ⁠Warehouse Clubs Archives - Clark Howard ⁠How To Beat Rising USPS Costs and Delays ⁠USPS Rate Change July 2025 | Pirate Ship Support⁠ ⁠Pirate Ship Review: Pros & Cons of This Cheap Shipping Service⁠ ⁠Why You Should Keep Old Credit Card Accounts Open⁠ ⁠What Is a Fiduciary Financial Advisor and Do I Need One? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses upcoming opportunity in the car market, and answers the question: should you buy an EV now before the tax credit expires on new and used electric vehicles. Clark Stinks: Segments 1 & 2 An EV Purchase: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Take on the Chase Sapphire Reserve® Changes Aerolopa - Making sense of airline seating plans Clark Howard's Obsession That Could Save You Hundreds 6 Reasons Sam's Club Is Better Than Costco Capital One Agrees To Major Settlement After Accusation of ‘Cheating’ Customers How To Save Money on Utilities This Device Can Help You Avoid an Annoying Car Rental Fee Axios: The next wave of EV adoption What Is Supplemental Insurance and Should You Buy It? 4 Insurance Policies You Actually Need (And 4 You Don't) Is Pet Insurance Worth It? Costco Travel: 5 Things To Know Before You Book Booking a Cruise? Here Are 5 Ways To Do It for Less Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

You bought it, you wore it once, then sent it back. Maybe you just changed your mind. In addition to online purchases necessitating more returns, there are those gaming return policies. Clark predicts how this challenge for retailers will become costlier for consumers. Also - Is now a good time to tackle a home improvement project? There’s something going on in the market you need to know. Retail Returns Costly: Segment 1 Ask Clark: Segment 2 Home Improvement Decision Making: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 15 Items That Can't Be Returned to Amazon 3 Reasons You Should Never Book a Nonrefundable Hotel Room The Only Reason You Should Make an Improvement to Your Home Americans delay home improvements in latest blow to US housing market Certificate of Deposit (CD): What Is It, Best Places To Open One What Is a CD Ladder and When Is It a Good Idea? CD Ladder Calculator - Clark Howard How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Best Time To Take Social Security and Why Target Date Funds Are Good, but Not Perfect What’s the best time to take Social Security? Fiduciary financial advisor Wes Moss breaks down several scenarios to help you optimize your Social Security check. Also, target date funds have long been a popular option as a “set it and forget it” easy button for investing. Wes shares why this “TV dinner” of investing is a good – but not perfect – option. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 15, 2025 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has recommended shopping for auto insurance as rates keep rising. But it’s also important to know how some insurers are tracking you surreptitiously to set rates, while others offer voluntary programs, or usage-based premiums to earn discounts, which can be a benefit or punishment. Later - Clark is in favor of businesses setting credit card surcharges in the U.S. as they do in other countries, but some gas stations have been caught charging outrageous amounts, and you need to be aware before you go to the pump. Save On Auto Insurance: Segment 1 Ask Clark: Segment 2 Credit Card Surcharges On Gas: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  Is Your Smartphone Making Your Car Insurance More Expensive? How to Shop for Lower Car Insurance Do I Need To Unfreeze My Credit To Shop for Car Insurance? Best Auto Insurance Companies and Some of the Worst Warning: Watch Out for This Big Ripoff at the Pump Best Travel Credit Cards: Top Rewards Picks for 2025 Best Cash Back Credit Cards Fidelity® Rewards Visa Signature® Card Review: Invest with 2% Cash Back Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark offers perspectives on the current job market with advice for those seeking employment, including recent high school and college grads. Plus, for those soon heading into college, hear Clark smart advice for graduating with a solid employment path.  Clark Stinks: Segments 1 & 2 The Value Of Working While In School: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠ETF vs. Mutual Fund: Which Investment Is Better?⁠ ⁠What Are Index Funds?⁠  /  ⁠What Is an ETF?⁠ ⁠Best Auto Insurance Companies and Some of the Worst⁠ ⁠Protect Your Money From Sneaky Card Skimmers⁠ Why Small Businesses Are Your Biggest Opportunity ⁠Monarch Money Review: Is This Budgeting Tool Worth the Price?⁠ ⁠Empower Review: How It Works, Pros & Cons Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

After the pandemic, the cruise industry came roaring back. But the tide is turning. Today - Clark smart direction for cruise travelers. Also, there are innovative methods of building much-needed housing in the U.S. awaiting wider adoption. Clark has an impressive case in point - courtesy of Brooklyn. Cruise Update: Segment 1 Ask Clark: Segment 2 Affordable Housing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Re-Shop Your Cruise Booking a Cruise? Here Are 5 Ways To Do It for Less Where You Should Never Buy Travel Insurance for a Cruise The Only Way You Should Pay for a Cruise How To Find Cheap Flights in 3 Easy Steps 5 Money Tips To Know Before You Travel Abroad This Brooklyn apartment complex was built like a Lego set Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels Ask Clark: How Should I Replace My Prepaid Bluebird® American Express®? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Avoid This Potentially BIG Roth Blunder and 3 Keys to Happy Retirement Success Don't make this potentially HUGE Roth mistake! Fiduciary financial advisor Wes Moss reveals a little-known rule about rolling over your Roth 401(k) into a Roth IRA that could cost you big. If you've only contributed to a Roth 401(k), you need to hear this to avoid a costly blunder with the 5-year rule. Also, Wes recently received a retirement love letter from a couple who are self-proclaimed “happiest retirees on the block.” He shares the letter and the big keys to happy retirement success. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 8, 2025 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

From influencers peddling goods to “finfluencers” employing bot farms to push fake posts about hot stocks - schemes and scams are rife on social media, and public users aren’t the ones getting rich. Also today, why you should never take a health insurance claim denial lying down! Clark explains the denial game, and how most of the time, filing an appeal works in your favor. Social Media Scamdemic: Segment 1 Ask Clark: Segment 2 APPEAL Health Insurance Denials: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  Meta Battles an ‘Epidemic of Scams’ as Criminals Flood Instagram, Facebook - WSJ Tom’s Guide - The Oura ring just got a new rival What Should You Do if Your Insurance Claim Is Denied? No Surprises Act Consumer Advocate Toolkit Health Insurance Archives - Clark Howard Health Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark discusses a disturbing trend underway involving retirement accounts, and explains the best way to use a 401(k).  Also, Clark explores the significance of small business in building wealth and influencing the overall economy, including the opportunities provided for workers now facing uncertainty.  Steady Retirement Saving: Segment 1 Ask Clark: Segment 2 Small Business: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - INVEST & RETIRE The Only Two Exceptions to Clark Howard's Annuity Rule Immediate Payout Annuity: What Is It and Do You Need It? How to Start Investing: 10 Steps for Beginners 3 Big Retirement Account Changes You Haven't Heard About What Is a SEP IRA and Who Is Eligible? What Is a Solo 401(k) and How Does It Work? How To Buy Term Life Insurance in 7 Easy Steps Homeowners Insurance Archives - Clark Howard How to Shop for Lower Car Insurance How To Send a ‘Drop Dead’ Letter to a Collection Agency Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - A Clark travel update about what the airlines are doing to get you to pay more for your tickets and what you can do about it.  Also, Clark has talked about how the airlines and hotels continuously devalue their miles and points. Now the credit card industry is at it as well. It looks like credit card points are going the way of the airline frequent flyer miles Airline Travel Update: Segment 1 Ask Clark: Segment 2 Travel Credit Card Points: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Thrifty Traveler - US Airlines Are Quietly Hitting Solo & Biz Travelers with Higher Fares How To Find Cheap Flights in 3 Easy Steps  /  Are Airline Miles Worth It? SeatGuru: Airline Seat Maps, Flights shopping and Flight information GOING - Plan trips. Get alerts. Fly for less Roth vs. Traditional 401(k): What's the Difference? Citi Is Devaluing ThankYou Points: Will It Impact the Double Cash Card? Best Airline Credit Cards for 2025: Are They Right For You? Should I Keep My Old Car or Buy a New Car? How To Sell Gift Cards Online for Cash Best Places To Find Free E-Books  Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also in this episode - Some banks & brokerages are playing games with your money. Clark discusses how to make sure you’re getting the best rate on savings.  Clark Stinks: Segments 1 & 2 Attention - Savings Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty for Your TV? Here's How Long Your Home Appliances Should Last 6 Things To Know About Series I Savings Bonds New Treasury I Bonds Yield Just Hit 4%. Are They Worth Owning? What Is Umbrella Insurance and Do You Need It? HSA - Clark.com Capital One Agrees To Major Settlement After Accusation of ‘Cheating’ Customers Best High-Yield Online Savings Accounts  High-Yield Savings Account (HYSA) Calculator Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Submit a complaint | Consumer Financial Protection Bureau Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Concerned about the economy and looking to save more, many people are turning to warehouse clubs. The price difference is real. But Clark has concerns about what his beloved Costco is up to with a new payment option he does NOT recommend. Also, the debt burden many of us carry is also very real. Clark discusses how people are working on getting out of debt.  The Warehouse Club Difference: Segment 1 Ask Clark: Segment 2 Dealing With Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Inflation-weary Americans queue for toilet paper and cheap Bordeaux Warehouse Clubs Archives - Clark Howard Why 'Buy Now, Pay Later' Worries Clark Howard What Is FedNow?  /  ⁠Clark.com Community - Paze⁠ Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option Debt Archives  //  Budgeting & Saving Archives - Clark Howard 30 Easy Side Hustle Ideas How to Make Extra Money: 35 Easy Ways How Do Student Loans Work? 7 Things to Know Is It Ever OK To Co-Sign a Loan With a Family Member? What's the Best Savings Account for a Teenager? Fidelity Investments Review: Pros & Cons How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Secret to Consistent Investing and Your Financial Safety Net for Any Market Are you tired of "FOMO Freddie" always bragging about his latest hot investment? Fiduciary financial advisor Wes Moss reveals why chasing market trends is a dangerous game and how sticking to your investment style is the key to long-term success. We'll dive into the perils of FOMO investing and show you what happens when you jump from one "best" strategy to the next. Also, Wes breaks down the critical concept of "dry powder" – what it is, why you need it, and how it acts as your ultimate financial buffer during market downturns. Learn about the different types of liquid safety assets that can protect your portfolio and give you peace of mind, no matter what the economy throws your way. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 24, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a big shift going on in the housing market. Clark explains what this means for buyers and sellers.  Also, in this new era of tariffs, know what to keep in mind when purchasing a vehicle and why it’s time to rethink what you’re interested in buying. Housing Market Update: Segment 1 Ask Clark: Segment 2 Vehicle Purchase Considerations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why the Housing Market Is Stalled (and What Comes Next) ⁠How To Save for a House⁠  /  ⁠How To Buy a House in 9 Steps⁠ ⁠Buying Cars Online vs. Traditional Dealers: What To Know⁠ ⁠Report: These 10 Vehicles Are the Best for the Money in 2025⁠ ⁠New Report: The Safest Car Models for 2025⁠ ⁠How To Buy a Used Car⁠  /  ⁠How to Buy a New Car in 5 Steps⁠ ⁠When Do You Tell a Car Dealership You're Paying Cash?⁠ ⁠What Condo Owners Need To Know About Insurance⁠ ⁠6 Things To Know Before Contacting the National Foundation for Credit Counseling Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we celebrate Clark Howard’s birthday and the many accomplishments he’s inspired - starting with Clark’s own telling of his life’s trajectory into an ongoing mission of service. And in the second half of the podcast, a sampling of the many appreciations Clarkies sent in to celebrate him today. It may be Clark Stinks day, but on this birthday he comes out smelling like a high dollar rose bought on sale!  About Clark: Segments 1 & 2 Clark Stinks-Special BD Edition: Segments 3 & 4 Mentioned on the show: About Clark Howard Clark Howard: Habitat for Humanity Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Data centers are creating higher demand for electricity and the cost is falling on consumers. Power bills could reach record highs this summer. Clark has two recommendations to help lower your energy bills. Speaking of summer, have you planned out your vacation days yet? Clark talks about the importance of time away from it all. Home Cooling: Segment 1 Ask Clark: Segment 2 Take Your PTO!: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save Money on Utilities 7 Things Discover Cardholders Can Expect After Capital One Merger My 7 Rules for Using Credit Cards - Clark Howard How Many Credit Cards Is Too Many? How To Prevent, Report and Repair Identity Theft 5 Money Tips To Know Before You Travel Abroad Best Way To Exchange Dollars for Foreign Currency Best Credit Cards With No Foreign Transaction Fees in 2025 10 Clark Howard 'Never, Not Ever' Rules To Protect Your Money Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Secret Rule To Access Your IRA Early and Top 9 Things That Bring Joy in Retirement If you want to retire early, this rule can help! Fiduciary financial advisor Wes Moss breaks down the often-misunderstood Rule of 72(t). Discover how this IRS exception can allow you to access your IRA funds before age 59 ½ without incurring that hefty 10% early withdrawal penalty. Also, Wes dives into groundbreaking research on what truly brings joy and purpose in retirement. Wes shares surprising (and not-so-surprising) truths from his latest study of over 1,200 Americans. He reveals the top categories that consistently lead to a more purposeful and joyful post-career life. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 17, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - you may have heard about the boy who ordered 70,000 lollipops on Amazon. A reminder for parents to childproof devices to protect your accounts from plundering toddlers! Also, the stakes are higher now when renting a car. There’s a new inspection practice you must be aware of to protect your wallet. Childproof your devices: Segment 1 Ask Clark: Segment 2 Car Rental Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Prevent This $4,000 Oopsie From Happening to You Budgeting Basics: What You Need To Know To Get Started Free Budget Worksheet: The CLARK Method to Create a Monthly Budget Military and Veterans Guide: Free Resources for Your Finances How Long Should I Save Pictures of My Car Rental? How Can I Fight an Unfair Rental Car Charge? New Report: Best and Worst Car Rental Companies in America Cheapest Way to Rent a Car: Expert Tips How To Get a Free Credit Report The Best International Phone Plans TALK2ME 25 ULTRA MINI Portable PoC Walkie-Talkie Set Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also today, an easy, low tech solution to the porch pirate problem.  Clark Stinks: Segments 1 & 2 Porch Pirate Solution: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Will Social Security Run Out? Sell Stuff Online: The Best Sites and Apps Shared Equity Mortgage: Meaning, Pros and Cons, FAQs Avoid Porch Pirates With These Delivery Options From Amazon, UPS, FedEx and USPS How a Promising Home Hack Is Stopping Porch Pirates Every Time Best budget road bikes 2025 6 Things To Know About Series I Savings Bonds What Is an ABLE Account? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A CNET survey has found the average consumer is paying close to $200 more per year for internet than a year ago. Today, paying for home internet service no longer has to be expensive. New choices have emerged to help you SAVE MORE. Also, bait & switch junk fees have been rampant - on hotels, tickets, services and more. But new rules are helping to change that in some quarters. Clark shares tips for getting the full price before you make buying decisions. Home Internet Options: Segment 1 Ask Clark: Segment 2 All In Pricing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Tips To Save Money on Home Internet in 2025 Airbnb will now show total prices by default What the Rule on Unfair or Deceptive Fees means for you The 12 Best International Carry-ons, Tested and Reviewed What Is a 403(b) and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Do Retirees Need To Track Stock Earnings? And This Rule Can Help You Retire Early If you're a retail investor or a happy retiree, should you be paying attention to corporate earnings? Fiduciary financial advisor Wes Moss dives into why earnings matter for both individual stock owners and index fund investors. Discover how the overall earnings of the S&P 500 influence market trends and whether you need to obsess over every quarterly report. Also, Wes breaks down the "Rule of 55," a lesser-known strategy that could help you access your retirement money sooner without penalties. Most people know about the Rule of 59 1/2, but Wes reveals the specific qualifications and conditions for utilizing the Rule of 55 with your 401(k). Learn how this rule could accelerate your path to retirement! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 10, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode, an ongoing concern - where should you store your cash? One of Clark’s favorite children (discount brokers) has just launched a new offering worthy of your attention. Also today, dealing with debt collectors. Some are legit, some not so much. Know what to do if the debt is indeed yours, or if it is a mistake. Clark has key information for handling collectors in a way that protects your rights and your credit.  Vanguard Cash Plus: Segment 1 Ask Clark: Segment 2 Debt Collectors: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Vanguard Cash Plus Account | Vanguard Uni - One Toll Pass. 19 States. Car Insurance Archives - Clark Howard Association for Independent Agents | IIABA How To Send a 'Drop Dead' Letter to a Collection Agency What to Do When You're Being Harassed About an Old "Zombie Debt" We’ve still got some protections against medical debt collectors National Association of Estate Planners & Councils - NAEPC What Is a Fiduciary Financial Advisor and Do I Need One? What’s the Best Way To Exchange Dollars for Foreign Currency? What Is a Backdoor Roth IRA? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, sunscreen is so important in the prevention of skin cancer - but how to choose? Clark shares some excellent recommendations offering protection that is both cheap and effective. Clark Stinks: Segments 1 & 2 Best Sunscreens: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Does the Brand of Gasoline Really Matter?⁠ ⁠Wills & Funerals Archives - Clark Howard⁠ ⁠Is It Ever OK To Co-Sign a Loan With a Family Member?⁠ ⁠Warning: Watch Out for This Retailer Pricing Trick⁠ ⁠The Best Cheap Sunscreens in 2025 ⁠The Best Places To Buy Tires⁠  /  ⁠Clark.com  - TIRES Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We in the U.S. pay the highest prescription drug prices in the world, and a recent executive order takes aim at that inequity, the result of which remains to be seen. Clark explains why employee health plan drug prices through PBMs remain so high, and what you can do about it.  Speaking of prices, what’s behind the sticker shock from the price of beef these days? Clark explains. PBMs & Rx Pricing: Segment 1 Ask Clark: Segment 2 Beef Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Trump to sign executive order to cut prices of medicine to match other countries Warning: One Way You Should Almost Never Fill Prescriptions 10 Ways To Save on Prescription Drugs 7 Things To Know About Costco Pharmacy Should You Buy an Extended Warranty on Your Car? What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor What Is Umbrella Insurance and Do You Need It? US beef prices extend surge as ranchers face thinnest herds in 70 years Robinhood Review: Pros, Cons & Who Should Use It The WSJ’s Jonathan Clements Wants to Leave a Living Legacy Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Investing in Gold: Smart Move or Mistake? and Will Entry-Level Jobs Disappear? Should you own gold? How much should you own? Fiduciary financial advisor Wes Moss breaks down the data and shares his take on investing in gold to help you determine if it belongs in your portfolio. Also, the CEO of a major AI company recently said that 50% of all entry-level white collar jobs will go away over the next 1-5 years. Could this prediction be right? It’s possible. Wes explains what may happen and what we can do about it. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 3, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

June signals upcoming road trips and today, Clark talks about some transportation hazards to avoid. First, when buying a vehicle, know how significant the length of the loan can be to your financial health. Also, skimming scams at gas pumps and beyond - have gotten more sophisticated. Clark shares 2 ways to protect your money. Auto Loan Warning : Segment 1 Ask Clark: Segment 2 Skimming Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are You Following Clark’s Maximum Auto Loan Length Rule? Clark.com Car Loan And Payment Calculator Bezos-backed Slate Auto reveals its new customizable $20,000 EV Can I Sell My Life Insurance Policy? USA TODAY: Tips to stay safe from skimming scams #1 Way To Protect Yourself From Credit Card Skimmers Scam Alert: Think Twice Before Scanning QR Codes 5 Things to Know About the Costco Car Rental Program Is Annual Travel Insurance Worth It? Today's Top Travel Deals Clark.com⁠ resources: ⁠Episode transcripts⁠ ⁠Community.Clark.com⁠  /  ⁠Ask Clark⁠ ⁠Clark.com daily money newsletter⁠ ⁠Consumer Action Center⁠ Free Helpline: 636-492-5275 Learn more about your ad choices: ⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Help us surprise Clark Howard for his birthday! We're collecting special wishes for Clark (it's a secret!) to celebrate his birthday on June 20th. Use this form to share your wishes for Clark: https://forms.gle/hNtmFTvqkdZc94J49 -- remember it's a secret! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, how one state plans to use controversial technology to slow down speeders. Clark Stinks: Segments 1 & 2 Intelligent Speed Assist: Segment 3 Ask Clark: Segment 4 Mentioned on the show: “Clark Stinks!” - by Son of Scotland How To Open a Roth IRA 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Use Priceline To Save on Travel What Is an HSA Account and How Does It Work? Virginia will use technology to slow chronic speeders’ cars Car Rental Insurance: Everything You Need To Know Credit Card Car Rental Insurance: What You Need To Know My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode -  As auto insurance rates continue to rise, more people recognize the need to shop around. Clark shares a valuable resource for where to start. Also today - Economic uncertainty necessitates ongoing family conversations about money and the economy, and what can be done to prepare for a possible recession or employment setback. Shop Auto Insurance: Segment 1 Ask Clark: Segment 2 Family Money Talks: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Shop for Lower Car Insurance CRASH Network - Insurer Report Card Best Auto Insurance Companies and Some of the Worst Is Your Car Model Driving Up Your Insurance Premium? Best Way To Exchange Dollars for Foreign Currency Costco Travel: 5 Things To Know Before You Book Booking a Cruise? Here Are 5 Ways To Do It for Less The Only Way You Should Pay for a Cruise Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

10-Step Checklist BEFORE You Retire and How Spending Money in Retirement Actually Works Ready to retire? Fiduciary financial advisor Wes Moss walks you through the essential 10-point checklist you should complete before leaving the workforce. Also, Wes breaks down the often-confusing topic of spending money in retirement. How do you actually access your funds, and what's the smart way to manage different account types? Learn the strategic way to tap into your different retirement "buckets" to make your money last and minimize taxes. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 27, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark discusses how the shortage of air traffic controllers and lack of current tech will impact air travel this summer, looks to Canada’s successful model, and shares his playbook for navigating air travel  Clark Stinks: Segments 1 & 2 Air Traffic Control Issues: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Best 529 College Savings Plans By State⁠ ⁠NIH - ClinicalTrials⁠  /  ⁠Clark Howard and the Prostate Cancer Foundation⁠ Air Traffic Control Chaos: Brace Yourself for Summer Travel Headaches ⁠What To Do if Your Flight Is Delayed or Canceled⁠ ⁠FlightAware - Flight Tracker / Flight Status⁠ ⁠Flightradar24: Live Flight Tracker - Real-Time Flight Tracker Map⁠ ⁠Are Airline Miles Worth It?⁠  /  ⁠The Points Guy - Maximize your travel.⁠ ⁠Points Path: Why Our Travel Expert Thinks This New Tool Is a “Game Changer”⁠ Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Travel demand has slowed and airlines are cutting service. Today Clark discusses the airline recession taking place, and the hazard & opportunity this presents for travelers. Also, Clark addresses some of the confusion surrounding student loan repayment. What you need to know if you or a family member has student loan debt. Air Travel Guidance: Segment 1 Ask Clark: Segment 2 Student Loans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 3 Reasons You Should Never Book a Nonrefundable Hotel Room Using Cellular Data Internationally: Buying a Local SIM Card The Best International Phone Plans The Best Phone Plan For You - Compare Phone Plans Clark,com Cell Phone Plans Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now Scott’s Cheap Flights - Going.com NYTimes: Tips for Navigating the ‘Chaotic System’ of Student Loan Repayments National Association of Student Financial Aid Administrators How Many Credit Cards Should I Have? Why You Should Keep Old Credit Card Accounts Open My 7 Rules for Using Credit Cards Clark HowardClark.com resources: Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are We in a Passive Investing Bubble? and Lump Sum Investing vs. Dollar Cost Averaging Is passive investing creating a stock market bubble? Fiduciary financial advisor Wes Moss dives into the rise of index funds, why they became so popular, and the potential concerns. Also, Wes covers a classic investing strategy: Dollar Cost Averaging (DCA). He explains how systematically investing over time can smooth out your cost basis and make investing less daunting, especially with a lump sum. We'll look at how DCA stacks up against investing a lump sum all at once – you might be surprised by the numbers! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 20, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The 401(k) is a great retirement instrument because saving is automatic and investments grow over time. So is it ever OK to ⁠borrow from a 401(k)⁠? Know the “opportunity costs”  involved. Also - good news if you like to ⁠check bags⁠ on flights.  401(k) Loans: Segment 1 Ask Clark: Segment 2 No More Lost Luggage!: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Is a 401(k) Loan a Good Idea? Almost Never⁠ ⁠How To Open a Roth IRA⁠ ⁠Enrolled agent information | Internal Revenue Service⁠ ⁠National Association of Enrolled Agents⁠ ⁠Should I Buy an AirTag for My Checked Airport Luggage?⁠ ⁠What Is an eSIM? 5 Things To Know⁠ - ⁠GIGSKY - International eSIM Data Plans⁠ ⁠Using Cellular Data Internationally: Buying a Local SIM Card⁠ ⁠Deposit Insurance FAQs | FDIC.gov⁠ ⁠Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank?⁠ ⁠Are Credit Union Deposits Insured Up To $250,000? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also, potential car buyers face a lot of questions right now -  should you buy new or used? If buying used, is Certified Pre-Owned (CPO) the way to go? Clark shares advice to help you navigate decision making.  Clark Stinks: Segments 1 & 2 Vehicle Purchase: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Roth vs. Traditional 401(k): What's the Difference? Why 'Buy Now, Pay Later' Worries Clark Howard Best Credit Cards With No Foreign Transaction Fees in 2025 The Best International Phone Plans Why You Should Never Mail a Check How To Buy a Used Car Certified Pre-Owned Vehicles: What You Need to Know Before You Buy Should You Ever Lease a Car? When Should I Drop Comprehensive and Collision Coverage? Best Place to Get a Car Loan Car Loan and Payment Calculator - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, learn more about I-Bonds. Are they still worth buying? Clark explains how I-Bonds work and why they can be a solid part of your saving strategy. Also, the tariff news keeps coming, with a temporary reprieve on goods from China now in effect. Clark discusses what this will mean for consumers and merchants moving forward. Series I Savings Bonds: Segment 1 Ask Clark: Segment 2 The Tariff Reprieve: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Things To Know About Series I Savings Bonds Do Not Use Smartwatches or Smart Rings to Measure Blood Glucose Levels: FDA Safety Communication Dexcom G7 CGM and Stelo Glucose Biosensor Subaru Ascent SUVs Recalled. Automaker Advises Owners to Park Outside and Away From Structures. The Center For Auto Safety How Much Money Do I Need in My Emergency Fund? HSA Store - Learning Center What Is an HSA Account and How Does It Work? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Breaking Down ETFs/Index Funds/Mutual Funds and Retirement vs. Brokerage Accounts Confused about ETFs, index funds, and mutual funds? Fiduciary financial advisor Wes Moss breaks down these "cousins" of investing – including when to use them. Also, retirement accounts vs. brokerage accounts – what’s the difference and what’s the best option for you? Wes explains everything you need to know! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 13, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Congressional Budget Office update found the top 10% of earners in the U.S. have 70% of the nation’s wealth, possibly the greatest disparity in our history. Today, Clark discusses the severity of income inequality and its effects on our society. Also - if you have a smart device in your home, you might not realize some of the privacy concerns, especially with Amazon’s Alexa. Income Inequality: Segment 1 Ask Clark: Segment 2 Privacy Warning!: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: America Has Never Been Wealthier. Here’s Why It Doesn’t Feel That Way. How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Understanding Home Equity Agreements Amazon Is Removing a Key Alexa Privacy Setting: Should You Worry? [The Washington Post] Alexa is getting creepier. Take this one step to improve your privacy. When Is the Best Day and Time To Call Customer Service? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Restaurants of all types are having to adapt to difficult market conditions. Many have failed in the last two years due to high food, labor and leasing costs. Those that succeed offer lessons in adaptation for all businesses. Clark Stinks: Segments 1 & 2 Business Adaptation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Buy Gold? Is It a Good Investment? Highest Cash Back Credit Card Calculator - Clark Howard Best 2% Cash Back Credit Cards: 11 Options for 2025 Best Cash Back Credit Cards With No Annual Fee in 2025 Should You Redeem Credit Card Points for Travel Rewards or Cash Back? Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now The Platinum Card® from American Express Review: Is It Worth It? When Should I Drop Comprehensive and Collision Coverage? Liability vs. Full Coverage: Which Auto Insurance Do You Need? The Best Places To Buy Eyeglasses Zenni Optical Review: 6 Things To Know Before Your First Order 4 Things To Know Before You Buy Glasses From Costco Optical What Is Umbrella Insurance and Do You Need It? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode - you may have heard ads for services that allegedly lock your home’s title. Are they worth it? Clark talks about how best to guard your greatest asset - your home.  Also, as the economy goes into lower gear with layoffs more frequent, Clark has important new info for today’s job seekers.  Home Title Protection: Segment 1 Ask Clark: Segment 2 AI & Your Resume: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CBS News: FBI Boston warns property owners, real estate agents about "title pirates" after I-Team reports How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion 4 Signs You’re a Victim of Deed Theft (and How To Avoid It) 4 Insurance Policies You Actually Need (And 4 You Don't) Should You Buy an Extended Warranty on Your Car? Best Resume Template: 9 Ways To Update Your Resume CRASH Network - Insurer Report Card How to Shop for Lower Car Insurance Fidelity - Spending & Saving Money | Take Control of Your Money Best Online Banks: Free Checking and High-Interest Savings Accounts Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Is Owning a Home Still a Good Investment? and 5 Areas To Cover With a Financial Advisor Ever wonder if buying a home is still a smart move in today's market? Fiduciary financial advisor Wes Moss reveals why housing can be a powerful "forced savings plan" and a hedge against inflation, especially for happy retirees. He examines historical trends, the recent housing boom, and the current median home price. Is buying now a nerve-wracking mistake, or a cornerstone of long-term wealth? Also, are you making the most of your conversations with your financial planner? Wes unveils the crucial categories he calls the "5 P's" to have more productive and meaningful meetings with your advisor. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 6, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark has 2 key warnings. First - you won’t believe how burglars are casing your home now using hidden high tech - what to look out for. And - how to avoid getting burned when booking a hotel. Plus, Clark answers your questions -  post at Clark.com/ask. Burglar Surveillance: Segment 1 Ask Clark: Segment 2 Hotel Booking Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Stop the Burglars Who Are Planting Hidden Security Cameras How to Get a Mortgage in 8 Steps Cheapest Way to Rent a Car: Expert Tips 5 Things to Know About the Costco Car Rental Program AutoSlash Review: How To Save on a Rental Car 3 Reasons You Should Never Book a Nonrefundable Hotel Room Travel Insurance: What You Need To Know Before You Buy Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark talks about innovation in the face of tariffs. A new tool has been created to help some businesses navigate prices, and it’s a great example of American ingenuity. Clark Stinks: Segments 1 & 2A Tariff Tool: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When Is the Best Time To Collect Social Security? 7 Money Mistakes You Might Be Making at the Gas Station Public Complaint Process | US Department of Transportation Costco vs. Sam's Club: What Is the Difference? From Axios: Perfect timing: A tool for tariffs Are Extended Warranties Ever Worth It? Here's How Long Your Home Appliances Should Last Should You Buy an Extended Warranty for Your TV? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark talks about where you can find deals that aren’t subject to tariffs. Also, now is the time to consider ways to lower home energy costs and Clark shares some money saving ideas. Buy Secondhand First: Segment 1 Ask Clark: Segment 2 Home Energy: Segment 3 Ask Clark: Segment 4  Mentioned on the show: 9 Things You Should Always Buy Used Automatic Bill Pay: How It Works and How To Do It Safely Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels How To Save Money on Utilities Residential Clean Energy Credit | Internal Revenue Service Roth vs. Traditional 401(k): What's the Difference? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Stock Market Fear Index and Missing the Worst Market Days Hurts You More Than You Think Feeling anxious about the volatile market in 2025? Fiduciary financial advisor Wes Moss breaks down why history shows us that peak fear always subsides. He analyzes past VIX spikes over the last 25 years to offer a reassuring perspective. Learn why it's unlikely this heightened fear will last forever and what history tells us about market recovery. Also, you've heard about the cost of missing the best market days, but what about the worst? Wes explains why trying to sidestep market downturns is often a losing strategy. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 29, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark - Man From Roth, talks about why now might be the best time to do a Roth conversion. Also - why big bank fees are back and how you can prevent getting your wallet pinched in this way.  Roth Conversion: Segment 1 Ask Clark: Segment 2 Beware Bank Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - The ROTH IRA & 401(K) Retirement Calculator: With Social Security and Pension How Often Should You Re-Shop Insurance? How to Shop for Lower Car Insurance Best Free Checking Accounts   //   Best Savings Accounts  High-Yield Savings Account Calculator Automatic Bill Pay: How It Works and How To Do It Safely Best 529 College Savings Plans By State Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also today, Clark puts favorite child Fidelity in time-out due to a current practice they’re engaged in that account holders need to be well aware of.  Clark Stinks: Segments 1 & 2 Fidelity Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: This Simple Maintenance Schedule Will Make Your Car Last Longer Walmart Tire Center   /   Clark.com - TIRES Walmart+ Membership Program: 4 Things To Know 23andMe Bankruptcy: Why You Should Erase Your Data Now Raisin Review: Can You Trust This Online Savings Marketplace? Apply for an electronic travel authorisation (ETA) “Guaranteed” Not to Lose Money in the Stock Market? What’s the Catch? — FinancialFreedomforWomen.Org What Is an Annuity, and Why Does Clark Think They Stink? The Only Two Exceptions to Clark Howard's Annuity Rule What’s the Best Way To Exchange Dollars for Foreign Currency? Best Credit Cards With No Foreign Transaction Fees in 2025 Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark looks at how the cost of summer travel is trending, and shares money saving advice from a recent trip abroad. Also in this episode, Clark explains the significance of bond funds to the market and to your investments. Latest Travel Tips: Segment 1 Ask Clark: Segment 2 A Briefing On BOND FUNDS: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Cheapest Way to Rent a Car: Expert Tips 3 Reasons You Should Never Book a Nonrefundable Hotel Room 5 Steps To Getting a Good Deal on a Hotel Room Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Scams & Rip-Offs Archives - Clark Howard Travel Insurance Checklist: 5 Types of Coverage To Consider Inverse Relation Between Interest Rates and Bond Prices Best 0% Intro APR Credit Cards: Top Picks for 2025 Clark Howard's 2025 Credit Card Debt Elimination Strategy Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Advertisers: Policygenius.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Scared to Spend? Don't Cancel Plans and #1 Investment Benchmark Worried about the market and your upcoming vacation? Fiduciary financial advisor Wes Moss explains why you shouldn't cancel your beach trip due to market volatility. Learn a rational approach to navigating bear markets and protecting your life plans. Also, Wes reveals the surprising investment benchmark everyone is really watching (and why it might be misleading you!). Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 22, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark talks GOLD! Should you be buying gold to help offset the uncertainty of the stock market? Clark discusses the nature of gold as an asset, and, should you decide to buy it, the best way to do so. Also - you may have seen lots of ads lately from the big cell phone carriers. Is it time to switch?  Gold As An Asset: Segment 1 Ask Clark: Segment 2 Cell Phone Plan Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Buy Gold? Is It a Good Investment? Should You Buy Gold at Costco? Warning: How You Should NOT Buy Gold Trump Says Tariffs Are Reciprocal. They Aren’t. The trade deficit isn’t an emergency – it’s a sign of America’s strength WSJ: Verizon Offers 3-Year Price Lock for Wireless Customers Best Verizon MVNOs: Cell Phone Companies That Use Verizon’s Towers Verizon Wireless Deal: Get Four Unlimited Lines for $100 13 New Cell Phone Deals in April  - Google Fi Review The Best Phone Plan For You – Compare Phone Plans Best Phone Plans: Get Exactly What You Want at the Cheapest Price Xfinity Mobile Review: Verizon’s Network Starting at $20 a Month Spectrum Mobile Review: 7 Things To Know Before You Sign Up Automatic Bill Pay: How It Works and How To Do It Safely Charles Schwab Review: Pros & Cons 5 Money Tips To Know Before You Travel Abroad What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, when it comes to medical insurance denials, companies count on people just paying up. But those who appeal are often successful. Clark shares a new guide that makes the appeal process easier.   Clark Stinks: Segments 1 & 2 Appeal Health Insurance Denial: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Certificate of Deposit (CD): What Is It, Best Places To Open One Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account 23andMe Bankruptcy: Why You Should Erase Your Data Now What Is a Solo 401(k) and How Does It Work? When Is the Best Time To Collect Social Security? What Is an ABLE Account? Find Out Why Health Insurance Denied Your Claim What Should You Do if Your Insurance Claim Is Denied? Can a Patient Advocate Help With Your Medical Bills? What's the Best Way To Send Money Overseas? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

AI is spreading fast - too fast. Can you trust the answers you get? Clark relates how trusting AI can cost you time and money.  Also, consumers are leaving money on the table when eating out. Asking for a doggy bag? No shame in that game! What’s RIGHT about leftovers.   AI Warning: Segment 1 Ask Clark: Segment 2 To Go Box: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Gen AI's Accuracy Problems Aren't Going Away Anytime Soon, Researchers Say Elliott Report: Home Should You Respond to Class-Action Lawsuits? Best Rewards Credit Cards: Top Picks for 2025 NYTimes: Is the Doggy Bag Dead? Should I Be Concerned That I’m Receiving Mail at Home With Someone Else’s Name? How To Save on Travel With Google Flights What Condo Owners Need To Know About Insurance Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Tariff Meltdown Investing Lessons and Top 5 Activities for Happiness The stock market was in a meltdown last week after the tariff announcement, and it has been a roller coaster over the last several days. How do we handle such uncertainty as investors? Fiduciary financial advisor Wes Moss shares lessons from the market meltdown -- and melt up – along with encouraging statistics to help us feel confident with our finances. Also, Wes shares fascinating data about the top five activities that help make us the happiest – and the worst. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 15, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions:  clark.com/ask. Why Timing the Tariff Market Could Cost You Big We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today brings a Clarkonomics session on something much in the news - the potential for stagflation. Clark explains this economic environment and how you can prepare.  Also, something terrible just got worse: Pay in 4. Why you should just say NO to Buy Now Pay Later. Clarkonomics - Stagflation: Segment 1 Ask Clark: Segment 2 BNPL Spells TROUBLE: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Certificate of Deposit (CD): What Is It, Best Places To Open One 18 of the Best High-Yield Online Savings Accounts in April 2025 Are Money Market Funds a Safe Place To Stash My Savings? Why Big Banks Are a Bad Place for Your Cash Social Security Fairness Act: Windfall Elimination Provision File a Consumer Complaint  /  Air Travel Service Complaint | secure.dot.gov Axios: BNPL is everywhere  / Why 'Buy Now, Pay Later' Worries Clark Howard How To Improve Your Credit Score in 5 Key Areas What Is a Secured Credit Card and How Does It Work? Why Clark Howard Wants You to Set Up a 'Financial Chromebook' Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - we now find ourselves in a frozen job market. Clark explains how this compares to conditions in 2009, and where laid off workers and others seeking employment, are most likely to find work.  Clark Stinks: Segments 1 & 2 Direction For Job Seekers: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  6 Credit Card Sign-Up Bonuses Worth at Least $500 How To Save Money on Utilities Do Not Give Your Social Security Number at These Places 401(k) limit increases to $23,500 for 2025, IRA limit remains $7,000 States rush to hire federal workers out of work after DOGE cuts Booking a Cruise? Here Are 5 Ways To Do It for Less The Only Way You Should Pay for a Cruise How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should I Freeze My Credit With the Other Credit Bureaus? How To Monitor Your Credit  Credit Karma Review: Free Credit Score and More at Your Fingertips Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode - We may need a new name for Dollar Tree, because things there are changing again as the retailer adapts to inflation pressures. Also, the gasoline industry is going “bottom bucket - top bucket”.  Clark explains what this means for motorists, and how to save more on quality gas.  Dollar Tree Changes: Segment 1 Ask Clark: Segment 2 Spend Less On Gas: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Can I Do if My HOA Is Doing a Poor Job? A Secret Mortgage Blacklist Is Leaving Homeowners Stuck With Unsellable Condos - WSJ What Condo Owners Need To Know About Insurance Polybutylene for Inspectors What Does a Home Warranty Cover and Is It Worth The Money? Does the Brand of Gasoline Really Matter? Buying Gas From a Station on This List Is Better for Your Car 6 Things To Know Before You Buy Gas at Costco Wholesale 7 Money Mistakes You Might Be Making at the Gas Station How To Save Money on Gas: 23 Ways How To Plan a Trip: Clark's Best Travel Tips To Save Money Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Should You Shift Investments to Cash? and How To Beat Inflation As investors, we naturally want to protect everything and make everything safe. It’s our human emotion. But fiduciary financial advisor Wes Moss warns us to beware the siren’s song of safety luring you to move to cash. He has three tips to help you ignore the urge. Also, inflation has been wild over the last several years. While inflation is always part of the equation, intense periods of inflation can wreak havoc. Wes shares the secrets to help you beat it.   Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 8, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions:  clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today -  Clark’s view on the impact of auto tariffs from strictly an economics standpoint - plus, direction for car buyers.  Also, 23andMe has gone bust. If you have an account with them, the action you need to take right away.  Car Tariffs: Segment 1 Ask Clark: Segment 2 23andMe Bankruptcy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Hyundai shows off its new $7.6B electric vehicle plant in Georgia as Trump announces tariffs Should You Buy a Car Before Prices Rise? What All to Know Before Tariffs Hit. Should I Keep My Old Car or Buy a New Car? My Vehicle Is Approaching 200,000 Miles. Drive Until It Dies Or Sell Before It Breaks Down? How to Buy a New Car in 5 Steps   /   How To Buy a Used Car Lemon laws: These states do the best job protecting consumers in new car purchases The Center For Auto Safety - Lemon Law Rank Explanations and Examples What's the Best Way To Rent a Car Before You Buy It? 23andMe Bankruptcy: Why You Should Erase Your Data Now 18 of the Best High-Yield Online Savings Accounts in April 2025 High-Yield Savings Account (HYSA) Calculator Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also, if you like to go on cruises, Clark has 2 special warnings for you. Clark Stinks: Segments 1 & 2 Cruise Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Phone Plan For You – Compare Phone Plans Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels Highest Cash Back Credit Card Calculator / Clark.com - Calculators What's the Best Setting for Your Thermostat During the Summer? Is One Medical Membership for Prime Members Better Than a Health Concierge? Who should apply - European Union - EU Travel Europe Check if you can get an electronic travel authorisation (ETA) Price Book-Track Grocery Price 4+ - App Store Cruise Hive: Virgin Voyages Issues Scam Warning to Cruise Passengers The Only Way You Should Pay for a Cruise Is the Target Circle™ Card Worth It in 2025? Best Online Banks: Free Checking and High-Interest Savings Accounts 17 of the Best High-Yield Online Savings Accounts in March 2025 Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A special message from Clark today regarding the new tariffs and stock market reaction. Clark addresses the wide sense of alarm among investors, sharing his perspective and advice. Should investors act? First hear what Clark has to say. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark goes back to basics on homeowner’s insurance as rates continue to rise around the country, including 2 common mistakes to avoid, and specific advice for those thinking of moving. Also in this episode - eyes wide open on meme coins and crypto. There are lots of people pitching these as “alternative investments” to the stock market. Get Clark’s take on how to approach the hype.  Homeowner’s Insurance: Segment 1 Ask Clark: Segment 2 Clark On Crypto: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Housing market map: How much home insurance is expected to rise by 2055 Best and Worst Homeowners Insurance Companies How Much Homeowners Insurance Do I Need? 5 Reasons Why Your Home Insurance Will Cancel You as a Customer Credit Karma Review: Free Credit Score and More at Your Fingertips Warning: How You Should NOT Buy Gold Limited Purpose Flexible Spending Account (LP-FSA) Guide What Is an HSA Account and How Does It Work? Legit Online Surveys for Money: What I Earned Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Should You Withdraw 5% From Retirement Accounts? and How Corrections Impact the Market If you think about the most important fundamental in retirement planning, it’s determining the amount of money we can withdraw and still not run out. Fiduciary financial advisor Wes Moss discusses the longstanding 4% rule and runs the numbers on the probability of running out of savings if you bump it to a 5% withdrawal rate – or more. Also, it’s never fun to watch our portfolios drop. Wes walks us through historical corrections and why we shouldn't panic. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 1, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions:  clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

When it comes to retirement accounts, where they’re held is all important and can make a huge difference later in life. Clark explains why knowing your fees is a financial must -  and what to look for. Also today, Clark faces the changes at his favorite airline. It’s time to talk about Southwest. Retirement Account Fees: Segment 1 Ask Clark: Segment 2 Heartbreaker Southwest: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Fee Level Does Clark Consider Acceptable For a Company 401(k)? 401k Fees: How Much is Too Much? Why You Need To Know Your Company 401(k) Fees Roth vs. Traditional 401(k): What's the Difference? What Is an Annuity, and Why Does Clark Think They Stink? The Only Two Exceptions to Clark Howard's Annuity Rule Budgeting - Clark.com Big Changes Are Coming To Southwest Airlines Customers Should You Cancel Your Southwest Airlines Credit Card? Clark Howard's 4 Travel Rules You Should Follow Right Now How To Save on Travel With Google Flights PAXCESS™ | PAXLOVID™ Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark addresses concerns about a potential recession, and how to prepare for that possibility.  Clark Stinks: Segments 1 & 2 Recession Preparedness: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Cheapest Way to Rent a Car: Expert Tips Why You Should Never Prepay for a Rental Car How To Sell, Cancel or Get Rid of Your Timeshare Why Vacation Clubs Are Even Worse Than Timeshares Are We Heading Into a Recession? Consumer Angst Is Striking All Income Levels - The Wall Street Journal. Avoid Porch Pirates With Delivery Options From Amazon, UPS, FedEx & USPS Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One topic that never goes away are the scams criminals constantly come up with to part you from your money. Clark shares a list of the top scams to look out for today - and a new way for Android users to protect themselves.  Another chronic problem - gift cards. Clark provides yet another reason gift cards are fool’s gold. Top SCAMS: Segment 1 Ask Clark: Segment 2 The Gift Card Hatin’ Club: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Top scams of 2024 Google takes the battle to scammers with a groundbreaking feature for Android & Pixel phones What Is a Solo 401(k) and How Does It Work? How Should I Handle Car Insurance for My Teenage Driver? What Is Umbrella Insurance and Do You Need It? Walmart+ Membership Program: 4 Things To Know National Academy of Elder Law Attorneys Home NAELA Why It's More Important Than Ever To Have an Emergency Fund The Best Time and Place To Buy a TV The best deals on TVs available now Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you seeing unsettling headlines about 2025? You're not alone. Reports show a surge in retirement account trading, with a staggering 40% of people moving to stable value funds. Fiduciary financial advisor Wes Moss explains why "Tariff Terror" is driving these decisions – and the incredible reason why we should navigate uncertainty with confidence. Also, with market dips and volatility on the rise, how can you protect your portfolio? Wes introduces the "Dry Powder Principle” -- your strategic reserve of safety assets. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 18, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Advertisers: Credit Karma Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark attempts to talk about a topic that always elicits spirited responses - social security. There are questions about the future of the program, and Clark gives you his take. Also, the story of a life well lived which can serve to inspire us all. Social Security: Segment 1 Ask Clark: Segment 2 All Cash - No Flash: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Big Changes Are Coming To Some Social Security Beneficiaries When Is the Best Time To Collect Social Security? Follow Clark's 4-Month Rule Before Applying for Social Security Will Social Security Run Out?   /   Social Security - Clark.com Best Credit Cards for Students: Top Picks for 2025 Home — TreasuryDirect What's the Best Savings Account for a Teenager? How To Open a Roth IRA Investment Growth Calculator - Clark Howard Bob Kierlin, Frugal CEO Who Wore Secondhand Suits, Dies at 85 - WSJ Countries Offering Digital Nomad Visas What Is an HSA Account and How Does It Work? Why You Should Never Use a Debit Card To Pay for Anything Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - giving money to adult kids can be a tricky subject. Some parents like to give from their estate while still alive, and some feel the need to support their adult children. Clark discusses when and how you should help your adult children with money, without harming yourself financially.  Clark Stinks: Segments 1 & 2 Adult Children And Finances: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Medi-Share & other health care sharing ministries: What you need to know before signing up Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Why Gen Xers and Millennials Are Giving More Money to Their Kids Than Baby Boomers How to Help Your Kids With Finances When They Move Back Home Why Clark Is Prepared To Break His 'No Debit Cards' Rule Budgeting & Saving Archives - Clark Howard Why Clark Howard Is So Excited About His Wedding Band What Brokerage Do You Recommend for First-Time Investors or Kids? Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark wants to help you to save more, spend less, and if you’re struggling with debt - avoid ripoffs that target debt with more debt. Know how to get legit help if you’re in too deep. Also today - a warning for all travelers involving a serious, fast-growing crime happening here in the U.S. and abroad.  Dig Out Of Debt: Segment 1 Ask Clark: Segment 2 Travel Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Warning: Here’s What Those Debt Settlement Companies Don’t Tell You Clark Howard's 2025 Credit Card Debt Elimination Strategy How To Get Out of Debt in 7 Steps 6 Things To Know Before Contacting the National Foundation for Credit Counseling Why You Should Keep Old Credit Card Accounts Open How and When To Cancel a Credit Card Best Airline Credit Cards for 2025: Are They Right For You? Best Travel Credit Cards: Top Rewards Picks for 2025 Follow Clark Howard's #1 Rule To Travel Cheap How To Save Money With Google Flights Best Free Streaming Services in 2025: Movies and TV for Cord Cutters Credit Score Experts: How To Take Your Score from ‘Good’ To ‘Exceptional’ Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsors Credit Karma Learn more about your ad choices. Visit megaphone.fm/adchoices

Retirement Accounts in Panic? and Your Secret Weapon for Volatile Markets Are you seeing unsettling headlines about 2025? You're not alone. Reports show a surge in retirement account trading, with a staggering 40% of people moving to stable value funds. Fiduciary financial advisor Wes Moss explains why "Tariff Terror" is driving these decisions – and the incredible reason why we should navigate uncertainty with confidence. Also, with market dips and volatility on the rise, how can you protect your portfolio? Wes introduces the "Dry Powder Principle” -- your strategic reserve of safety assets. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 18, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: https://clark.com/ask We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark focuses on one of the biggest purchases most of us make in life - cars. There are ways to get a vehicle for way less money than most people pay. Also, a look at the pros & cons of so called smart electric meters and time of use plans offered by utility companies - and how to decide which is best for you.  Best Low Cost Vehicles: Segment 1 Ask Clark: Segment 2 Smart Meters: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best new cars in 2025: Consumer Reports reveals top picks for reliability, safety and more Costco Car Buying Program: 4 Things To Know Before You Sign Up How To Buy a Used Car / How to Buy a New Car in 5 Steps Elliott Report: Home Should You Get a Smart Meter for Your Home? What Is Term Life Insurance? How To Buy Term Life Insurance in 7 Easy Steps What Is Disability Insurance and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Later - the housing market has made a huge turn. Clark spells out several factors creating market shifts both buyers and sellers should take note of. Clark Stinks: Segments 1 & 2 Current State Of The Housing Market: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Where You Should Never Buy Travel Insurance for a Cruise InsureMyTrip Review: Why We Like It and How to Use It CarMax vs. Carvana: A First-Hand Experience Selling a Car in 2024 How To Sell Your Car in 6 Steps My 7 Rules for Using Credit Cards - Clark Howard Best 529 College Savings Plans By State Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Home Buyers Are Finally Getting the Upper Hand Again Roth vs. Traditional 401(k): What's the Difference? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With the price of goods in flux, it helps to be in the know to protect your wallet. Clarkies know how Clark uses unit pricing to shop smart at the grocery store. You would think that the bigger the bag, the smaller the unit price. Not so. Clark fills you in on what manufacturers have been doing and what to keep in mind with all purchases moving forward. Also - Travelers be prepared: the Real ID flight requirement domestically, and travel authorizations for entry into Europe are upon us. The Retail Pricing Game Now: Segment 1 Ask Clark: Segment 2 Flyers: Real ID Kicks In: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco Hearing Aids: 5 Things To Know Before You Buy Miracle-Ear Hearing Aids: 5 Things To Know Before You Buy Sam's Club Hearing Aids: 5 Things To Know Before You Buy Connect Hearing: 5 Things To Know Before Your First Visit HearUSA: 5 Things To Know Before Your First Visit Travel Alert: REAL ID Deadline Coming Soon-Clark.com What is ETIAS - European Union / Apply for an electronic travel authorisation (ETA) 6 reasons to add your Passport to Google Wallet How Should I Safeguard My Passport When I Travel Abroad? Best Free Password Managers: 10 Top Picks How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Follow Clark Howard's #1 Rule To Travel Cheap 9 Free Federal and State Tax Filing Services for 2025 Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you dreaming of an early retirement but worried about making costly mistakes? In this episode, Wes uncovers six critical errors to avoid before taking the leap. With recent trends of companies offering buyouts and encouraging early exits, it's more important than ever to be prepared. Wes explores the shift in retirement expectations, from the traditional model to the modern reality, and discusses how to navigate this changing landscape. Don't let these common mistakes derail your early retirement dreams. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 11, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark loves to travel and does so very often. Understandably, many people are nervous about flying these days. Clark discusses airline safety, and how you can save big bucks with discount carriers. Also today - the latest on used car prices. A First Class Spirit Flight: Segment 1 Ask Clark: Segment 2 Used Car Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show: After a string of incidents, some flyers are sticking with a surprising carrier: Spirit Southwest Offers Companion Pass as New Credit Card Signup Bonus- Clark.com Your Passport Could Be Useless -- Even if It's Not Expired What is ETIAS - European Union / UK Travel ETA Should I Tip on a Cruise? Best Credit Cards With No Foreign Transaction Fees 5 Money Tips To Know Before You Travel Abroad Car Rental Insurance: Everything You Need To Know - Clark.com Credit Card Car Rental Insurance: What You Need To Know - Clark.com How To Buy a Used Car - Clark.com Do I Need a Mechanic Inspection When Buying a Used Car from CarMax or Carvana? Should You Allow Your Auto Insurance To Monitor Your Driving? Liability vs. Full Coverage: Which Auto Insurance Do You Need? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsors Credit Karma Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - this weekend marks daylight savings time, and Clark has an important assignment for you that can help ensure your insurance works better for you. Clark Stinks: Segments 1 & 2 Walk & Talk Home Video: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Free File Fillable Forms | Internal Revenue Service What Is an Annuity, and Why Does Clark Think They Stink? The Only Two Exceptions to Clark Howard's Annuity Rule Google Fi Review: My Experience as a 6-Year Customer (Pros and Cons) Lightbox lab-grown diamond jewelry. Bringing light to life. Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards Clark Howard's 5-Point Annual Checklist You Should Follow Protect Your Belongings by Videotaping Them Once a Year What Can I Safely Use for Peer-to-Peer Payments? What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Shipping Costs at the Post Office Just Went Up Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares data showing how far your dollars will go in retirement depending on where you live in the country. The differences from state to state, even within the same region - are remarkable. Also - Clark discusses how tariffs affect the economy and what to prepare for as consumers and as workers The Cost Of Living By State: Segment 1 Ask Clark: Segment 2 Tariffs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mapped: How Far $1 Million Gets You in Retirement, by U.S State How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Are Money Market Funds a Safe Place To Stash My Savings? Vanguard Review: Pros & Cons   /   Vanguard Personal Advisor Review What Is a Fiduciary Financial Advisor and Do I Need One? What Are Index Funds? What Is an Annuity, and Why Does Clark Think They Stink? Clark's Updated Way To Shop for Car Rental Deals Cheapest Way to Rent a Car: Expert Tips 17 of the Best High-Yield Online Savings Accounts in February 2025 High-Yield Savings Account (HYSA) Calculator Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

10 Habits of the Happiest Retirees Are you dreaming of a truly happy retirement? Fiduciary financial advisor Wes Moss reveals the 10 key habits of those who are living their best post-work lives, based on years of research. In today’s Ask an Advisor episode, Wes dives into both the financial and lifestyle choices that make all the difference. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 4, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Team Clark has long advised consumers in difficulty with financial institutions to file a complaint at ConsumerFinace.gov. Clark gives his take on what is currently happening with the Consumer Financial Protection Bureau and how they have served people in the past. Also today - Clarkies know how much Clark loves Costco. But it seems that lots of people love another warehouse club even more.  The Consumer Financial Protection Bureau: Segment 1 Ask Clark: Segment 2 Survey: Warehouse Club Satisfaction: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Credit Card Fees Tax Deductible? Elliot Report - TEMU Customer Service Contacts Best Travel Credit Cards: Top Rewards Picks for 2025 The Platinum Card® from American Express Review: Is It Worth It? Is Chase Sapphire Reserve® Worth It? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Capital One Venture X Business: 5 Things To Know Costco Was Just Dethroned As the Top Warehouse Club for Customer Service 5 Reasons Sam's Club Is Better Than Costco What Are Index Funds? / What Is an ETF? This Simple Maintenance Schedule Will Make Your Car Last Longer Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Money doesn’t mean much without health and well-being, and Americans are enjoying one life’s simple pleasures less and less. We know what a hazardous distraction phones can be while driving. But a new study shows this and other distractions impact one’s ability to disconnect and focus on enjoying healthy meals - more important to health than we realize. Also today, a cautionary tale about health insurance plans that don’t comply with the ACA. Banish Phone Distraction: Segment 1 Ask Clark: Segment 2 Non-Compliant Health Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Time and Place To Buy a TV ClarkDeals - The best deals on TVs available now Health Plans That Don’t Comply with the ACA Put Consumers at Risk How and When To Cancel a Credit Card Should You Buy an Extended Warranty on Your Car? Best Budgeting Apps in 2025: Our Top 6 Rocket Money Review: 6 Things To Know Before You Sign Up Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Sponsor: Surfshark Surfshark Alternative Number: your online identity safeguard with Surfshark Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Remember when Spam was something that just came in a can? Now, it’s an annoyance that shows up on our phones and in our inboxes on a daily basis. Know how to manage these attempts at fraud.  Also today,  a follow-up on something Spain is doing that shows huge promise for water supplies around the world.  SPAM: A Lot!: Segment 1 Ask Clark: Segment 2 Water Supply Solution: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Stop Spam Calls for Good How To Stop and Report Spam Emails How To Recognize and Report Spam Text Messages Unwanted Calls | Consumer Advice  /  Do not call map Capital One Venture X Business: 5 Things To Know Best Travel Credit Cards: Top Rewards Picks for 2025 Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now Highest Cash Back Credit Card Calculator Homeowners Insurance Archives - Clark Howard US engineers turn salty seawater into drinking water with new cheap method 401(k) Rollover: How To Roll Over a 401(k) 10 Retirement Rule Changes for 2025 & Beyond How To Save Money on Gas: 23 Ways Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

How much money do you need to retire? Fiduciary financial advisor Wes Moss outlines two straightforward methods to determine the amount you'll need for a comfortable retirement. Wes walks you through factoring in income streams like Social Security and pensions, alongside your individual spending goals, to arrive at your target number. Also, "doom and gloom" headlines can often dominate financial news. Should you listen? Wes shares his perspective. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 25, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. Mentioned on the show: Calculators - Clark Howard We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark recommends a simple measure we can take to help protect our financial accounts, and those of our aging loved ones, from fraud. Also - many are looking to book their summer travel, and the airlines are raising prices. Clark shares strategies to bend that price curve in your favor.  Trusted Contacts: Segment 1 Ask Clark: Segment 2 Navigating Airfares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Name a Trusted Contact How to protect yourself against financial exploitation - Vanguard How To Cancel & Get Rid of PMI Earlier What's the difference between PMI and MIP? National Association of Enrolled Agents Best 529 College Savings Plans By State Clark Howard’s Airfare Price Predictions for 2025 Follow Clark Howard's #1 Rule To Travel Cheap NYTimes: Prices: A Mixed Outlook on Flights, Hotels and Cruises Coming to a Tiny Airport Near You: New Airlines Booking a Cruise? Here Are 5 Ways To Do It for Less Tipping on a Cruise: Your Complete Big-Ship Tip Guide InsureMyTrip Review: Why We Like It and How to Use It Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, changes at Amazon have impacted customer service. Clark discusses what’s going on and what you need to look for when purchasing.  Clark Stinks: Segments 1 & 2 Amazon Customer No-Service: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Get Out of Debt in 7 Steps Credit Card Car Rental Insurance: What You Need To Know The Chase Sapphire® rental car insurance guide 8 Free or Cheap Cybersecurity Tips for Travelers 12 Keys To Keeping Your Home Wi-Fi Network Safe and Secure Introduction to Treasury Inflation-Protected Securities (TIPS) 10 Ways To Save on Prescription Drugs How to Buy a New Car in 5 Steps Costco Car Buying Program: 4 Things To Know Before You Sign Up 10 Common Job Search Scams Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One of the most popular pages on Clark.com is our Best High Yield Online Savings Accounts article, because we all want to get the most interest on our cash. Capital One was recently accused of cheating customers out of interest rate payments - so how do you ensure you are getting best rates? Also - several high profile celebrities have revealed that they have run out of retirement savings. It just goes to show that it’s not how much you make, but how much you save. Avoid the MPC (Marginal Propensity to Consume) trap that has drained dry even the wealthiest of earners.  Make More On Savings: Segment 1 Ask Clark: Segment 2 Retirement: Running On Empty: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Capital One Accused of ‘Cheating’ Customers Out of $2 Billion Best High-Yield Online Savings Accounts - Clark.com  High-Yield Savings Account (HYSA) Calculator How To Open a Roth IRA Best 529 College Savings Plans By State What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Advertisers: policygenius.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you want to be a millionaire? Wes dives into the fascinating trend of "mini millionaires" and uncovers the secrets to their success. He explores data from the Federal Reserve and the Wall Street Journal, revealing the common traits of those achieving millionaire status. Are they earning massive salaries? How much does education matter? He breaks down the key factors. Plus, he revisits the timeless wisdom of "The Millionaire Next Door" and how its core principles still apply today. Also, Wes shares three powerful investing lessons from an interview with the legendary John Bogle, founder of Vanguard. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 18, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Mid February and as resolutions fade, make the choice to double down! Today, the Clark smart way to join a gym, and what to know about health trackers and your privacy. Also - Zelle is not the only payment app to be concerned about. Spotlight on Cash App and the safest way to transfer money.  How To Join A Gym: Segment 1 Ask Clark: Segment 2 Payment App Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Get a Gym Membership for Practically Free Why Does Clark Howard Wear 2 Watches? 13 of the Best Free Workout And Fitness Apps Consumer Reports - Your Exercise Bike Knows a Lot About You & Doesn't Keep Every Secret IRS Direct File Expands to Millions More Taxpayers 9 Free Federal and State Tax Filing Services for 2025 Cash App Ordered To Pay Millions for Fraud, Security Issues Safer Ways To Send Money - Clark.com 6 Things To Know Before You Buy Gas at Costco Wholesale Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Valentine’s Day!  One way to help keep love alive is being honest about money matters and talking over financial goals with your partner.  Clark talks about different ways couples can navigate finances successfully. Also, the average cost of a wedding has hit a new high! But there are other ways to think about the big day, and beyond. Financial Fidelity: Segment 1 Ask Clark: Segment 2 Wedding Expense: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's 5 Money Tips for Couples How Couples Can Get on the Same Page About Money 6 Things To Know Before Contacting the National Foundation for Credit Counseling How To Spot and Avoid Gift Card Scams The One and Only Exception to Clark Howard's 'No Gift Card' Rule How To Talk to Your Partner About Money Before Marriage SAVE Money On Your Wedding Marriage, money and happiness: A timeline I Need Plane Tickets for an International Trip. Should I Buy Now or Wait? 5 Steps To Getting a Good Deal on a Hotel Room Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

So many Americans are taking on side jobs to make extra cash. Clark talks about how important it is to have your scam radar up, and to prepare for the latest tax implications of gig work. Plus, for parents, Clark discusses the state of financial education and ways to give your kids the financial know-how they’ll need throughout life. Legit Gig Work: Segment 1 Ask Clark: Segment 2 Financial Education: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Taking the guesswork out of gigs 30 Easy Side Hustle Ideas Is One Medical Membership for Prime Members Better Than a Health Concierge? Amazon One Medical - Portland OR How to Find a Geriatric Care Manager / Senior Planning NHTSA safety | Check for Recalls. Save Lives. Why You Should Never Use a Debit Card To Pay for Anything How to Teach Young Kids About Money How To Buy Term Life Insurance in 7 Easy Steps 4 Types of Term Life Insurance Companies Explained Discover it® Cash Back Review: Earn Rotating 5% in Top Categories Credit Karma Review: Free Credit Score and More at Your Fingertips Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Monthly Pension vs. Lump Sum: The 6% Test and Is the Market Too High To Keep Investing? Should you take a monthly pension or a lump sum payout? That’s a tricky question, but fiduciary financial advisor Wes Moss has a simple rule that can help you decide. Also, is it better to invest when markets are high or low? Wes breaks down market records since 1950 and shares his perspective on why investing in an all-time-high market is more important to your money than you may think. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 11, 2025, Ask an Advisor episode of the Clark Howard podcast. Pension vs Lump Sum Calculator - Clark Howard Should You Take Your Pension in a Lump Sum or Monthly Payments? Should I Take a $700,000 Lump Sum or a $4,200 Monthly Pension? Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode - It’s a nightmare to feel like you’re in over your head financially. Clark discusses the money traps that accompany our two largest monthly expenses: housing and transportation costs - and how to avoid them. Also - 2025 is bringing back pre-Covid work culture, including more return-to-office mandates. That and other factors mean heavier metro traffic. Clark has a commuter strategy to keep in mind. Housing & Vehicle Costs: Segment 1 Ask Clark: Segment 2 2025 Traffic: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Submit a complaint | Consumer Financial Protection Bureau The Safer Way To Use Your Debit Card Why You Should Never Use a Debit Card To Pay for Anything MEFA (Massachusetts Educational Financing Authority) College Cost Projector Tuition Inflation - Finaid How to Take the Car Keys Away From Unsafe Elderly Florida Drivers Do I Need a Mechanic Inspection When Buying a Used Car from CarMax or Carvana? How To Buy a Used Car Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Clark discusses what’s behind rising energy costs now and in the future, and the need for a rethink in home building.  Clark Stinks: Segments 1 & 2 Energy Prices & Home Building: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Switch Phone Carriers: 9 Easy Steps How To Fight Fraudulent Bank Account Charges Can I Access My Streaming Service Anywhere in the U.S. and Internationally? IRS Direct File Expands to Millions More Taxpayers 8 Free Federal and State Tax Filing Services for 2025 5 Reasons Why This Is the Best Time of the Year To File Your Taxes Why this Boston homeowner doesn’t pay anything to heat his house 10 Ways To Lower Your Heating Bill / How To Save Money on Utilities How To Get a Free Credit Report / 4 Ways To Get Your Free Credit Score How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is a Fiduciary Financial Advisor and Do I Need One? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Many are obsessed with having a perfect credit score. Clark offers a more realistic goal when it comes to your all important credit rating. Also, when things go wrong with travel, you have to fight for your rights. Clark shares strategies that can help you avoid problems in the first place, and discusses ways to advocate for yourself when you do run into a travel problem.  Your Credit Score: Segment 1 Ask Clark: Segment 2 Be Your Own Travel Advocate: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Good Credit Score? How To Improve Your Credit Score in 5 Key Areas Why You Don’t Need an 800 Credit Score Credit Karma Review: Free Credit Score and More at Your Fingertips How Long Will It Take for My Credit Score To Go Up if I Missed a Payment? File a Consumer Complaint / Air Travel Service Complaint | secure.dot.gov Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? How To Find Cheap Flights in 3 Easy Steps Follow Clark Howard's #1 Rule To Travel Cheap Going™ | Formerly Scott's Cheap Flights | Flight Subscription Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Just recently, big news from China jolted the market and the media in the U.S. as a new AI technology entered the field: DeepSeek. In the first part of this episode, fee-only fiduciary financial advisor Wes Moss explains how this development will only increase productivity in America and improve our economy. Also, Wes continues to discuss the DeepSeek news and how it is impacting markets and our investments. He shares five keys to stock diversification to help you limit losses and bad returns. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 4, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode - Clark has new data on renting vs. buying in terms of long-term net worth and how renters can close the gap. Also, With Valentine’s Day ahead, Clark has good news if you are in the market for jewelry, specifically diamonds. Changes in the marketplace mean deals.    Housing: Bridging The Net Worth Gap: Segment 1 Ask Clark: Segment 2 The Diamond Marketplace: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The median renter in America has a net worth of $10,400. The median homeowner’s net worth is $400,000 Should You Take Your Pension in a Lump Sum or Monthly Payments? What Is a Fiduciary Financial Advisor and Do I Need One? Best Financial Advisors De Beers amasses biggest diamond stockpile since 2008 financial crisis Verizon administrative settlement payments are nowhere near $100. Here's why Should You Respond to Class-Action Lawsuits? How To Sell, Cancel or Get Rid of Your Timeshare Why Vacation Clubs Are Even Worse Than Timeshares Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - more issues with short term vacation rental sites like VRBO and Airbnb are cropping up. Who should take responsibility when things go wrong? Know what to be aware of and what to do when the place is not as represented. Also - It’s the best of times AND the worst of times to experience buying a vehicle. Some methods are far more consumer focused than others, which can make a huge difference for your wallet. Vacation Rentals: Segment 1 Ask Clark: Segment 2 Modern Car Buying: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How short-term vacation rentals use a decades-old internet law to dodge safety concerns National Registry Of Unclaimed Retirement Benefits How To Find Missing or Lost Retirement Accounts - Clark.com AI Lured Me Into a Car Dealership. That’s Where Things Broke Down Amazon is officially in the online car sales business Why You Should Never Use a Debit Card To Pay for Anything How To Avoid ATM Fees How To Switch Banks in 4 Simple Steps Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 APELLA WEALTH - Advice For Life Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A recent article warns about how the stock market is turning into a casino for many Americans. If you must trade individual stocks, know the hazards, which include capital gains tax. Also today - It’s about to get easier to tell if you are being compensated fairly at work. How new state statutes can work to your advantage. Trading & Betting Addiction: Segment 1 Ask Clark: Segment 2 New Job Listing Laws: Segment 3 Ask Clark: Segment 4 Mentioned on the show: More Men Are Addicted to the ‘Crack Cocaine’ of the Stock Market - WSJ How To Open a Roth IRA 5 Steps To Getting a Good Deal on a Hotel Room How Long Should I Save Pictures of My Car Rental? Most Americans Feel Good About Their Job Security but Not Their Pay New laws are coming for job listings. Many employers aren't prepared Credit Card Car Rental Insurance: What You Need To Know Is Chase Sapphire Reserve® Worth It in 2024? Capital One Venture X Rewards Credit Card: 6 Things To Know The Platinum Card® from American Express Review 2024: Is It Worth It? How To Choose the Best Charities for Your Donations Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 APELLA WEALTH - Advice For Life Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Is It Ever Too Late To Save for Retirement? Fee-only fiduciary financial advisor Wes Moss has an answer, backed by years of research. Also, a major Social Security change in 2025 is set to positively impact nearly three million people. Wes explains everything you need to know, including who will see an increase in their checks. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 28, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Read Wes’ 5 Keys To Be a Successful Investor  APELLA WEALTH - Advice For Life Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

When looking for a flight deal, there’s a trick that can save you a lot of money. Clark points to 3 airlines that might not be on your radar, but should be. Also - is your car spying on you? It’s highly likely. And what happens with your data? Clark discusses privacy concerns prevalent today.  New Airlines & Destinations: Segment 1 Ask Clark: Segment 2 Vehicular Spying & Privacy Rights: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Coming to a Tiny Airport Near You: New Airlines How To Find Cheap Flights in 3 Easy Steps How To Prevent, Report and Repair Identity Theft What Is a Credit Union? / Credit Union vs. Bank: What's the Difference? Submit a complaint | Consumer Financial Protection Bureau How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should You Get a Store Credit Card? Is your car spying on you? What it means that Tesla shared data in the Las Vegas explosion Best Cash Back Credit Cards With No Annual Fee in 2025 Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 SURFSHARK - Alternative Number: your online identity safeguard POLICYGENIUS - The Simple Way To Buy Insurance APELLA WEALTH - Advice For Life Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, how people end up losing money when they change jobs and what you can do about it. Clark Stinks: Segments 1 & 2 401(k)s And Changing Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Do I Really Need To Put Premium Gasoline in My Vehicle? [The Washington Post] New job? You may be leaving behind thousands in 401(k) savings. Changing Jobs? Don’t Make This Costly Retirement Mistake How to Start Investing: 10 Steps for Beginners How To Open a Roth IRA Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - Consumer spending has steadily become a larger part of the economy over the years. Tech and the ability to shop online has made the problem of shopping addiction substantially worse. Clark shares some simple steps you can take to avoid overspending online. Speaking of the internet - Clark has changed the way he goes online when away from home. You’ll want to hear his recommendations to protect your privacy and your money. Shopping Triggers: Segment 1 Ask Clark: Segment 2 Public Wi-Fi Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Biggest Money Mistakes To Avoid in 2025 Why Clark Says It's Time To Dump I Bonds Why You Might Be Paying Your Credit Card Bills All Wrong Best Phone Plans: Get Exactly What You Want at the Cheapest Price Best Unlimited Data Plans in 2024: Starting at $25 for One Line The Best Unlimited Hotspot Plans The Best International Phone Plans Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons) What Is a 403(b) and How Does It Work? How To Find and Choose a Financial Advisor How Much Does a Financial Advisor Cost? What Is a Fiduciary Financial Advisor and Do I Need One? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

According to research, the median happy retiree needs $700,000 to get to retirement. But how do you get there? That’s where stocks come in. In this episode of Ask an Advisor, fee-only fiduciary financial advisor Wes Moss explains why stocks (mostly) are so important to your portfolio and the “dry powder” you need to stay confident in the market. Later in the show, Wes talks about FOMO (fear of missing out) Freddy and why you should ignore him at all costs when looking at your investments. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 21, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Read Wes’ 5 Keys To Be a Successful Investor  Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - what a lawsuit against Ameriprise can teach us all about saving and investing. Clark Stinks: Segments 1 & 2 Savings Rate Rip Offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty for Your TV? Travel Insurance Checklist: 5 Types of Coverage To Consider 4 Things To Know Before You Buy a Digital TV Antenna T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Best Credit Cards for Students: Top Picks for 2024 Barrons: Ameriprise Asks Judge to Toss Clients’ Cash-Sweep Lawsuit 17 of the Best High-Yield Online Savings Accounts in January 2025 High-Yield Savings Account (HYSA) Calculator MyCredit Guide - American Express Submit a complaint | Consumer Financial Protection Bureau What Is a 403(b) and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Many Americans are stressed about spending decisions made over the holidays as the credit card bills roll in. Today, a Clark smart assignment for dealing with debt. Also rolling in soon are tax documents. Clark has advice on tax preparation, free filing, and more.  Credit Card Debt: Segment 1 Ask Clark: Segment 2 This Tax Season: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's 2024 Credit Card Debt Elimination Strategy Why You Might Be Paying Your Credit Card Bills All Wrong What Is FedNow? IRS Direct File Expands to Millions More Taxpayers 8 Free Federal and State Tax Filing Services for 2025 IRS Tax-Refund Checks Keep Getting Stolen in the Mail - WSJ Tax Software vs a Tax Professional: Which Should You Choose? Clark.com - When Should You Get an Accountant To Do Your Taxes? Why Did My Credit Score Drop? 4 Ways To Get Your Free Credit Score What Is a Good Credit Score? BBB-File a Complaint Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

What does 2025 hold for investors? On this episode of Ask an Advisor, fee-only fiduciary financial advisor Wes Moss breaks down 10 things investors should watch out for in 2025. Should we worry about tariffs? Will the market be more volatile? Can we expect a bull or bear market? You don’t want to miss these valuable insights and more to help you prepare for the year ahead! 10 Things Investors Should Watch Out For in 2025 Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 14, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP®   Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

January is not only a bargain month to travel, but also brings deals for spring and summer travel. But when shopping travel options, things aren’t always as they appear.  Clark tells you what to look out for when booking flights, cruises, hotels and car rentals  Also - do you know what an Amazon “brushing” scam is? Clark explains this “gift that you don’t want.” Summer Travel: Segment 1 Ask Clark: Segment 2 Amazon Brushing Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Travel Archives - Clark Deals  /  Travel Archives - Clark Howard Auto Europe: Cheap Car Rentals from $6/day! Best Rate Guarantee Rentalcars.com: Cheap Car Rental, Price Match Guarantee Cheapest Way to Rent a Car: Expert Tips When Should You Get an Accountant To Do Your Taxes? What Is a Roth 401(k) and How Does It Work? 5 Best Robo-Advisors in 2024 What Is a Fiduciary Financial Advisor and Do I Need One? Amazon Scam Warning: Beware of Deliveries You Didn’t Order Automatic Bill Pay: How It Works and How To Do It Safely Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - cell phone companies tend to make their plan offers deliberately confusing. Clark offers resources to cut through the hype and zero in on the plan that is best for you, while potentially saving you hundreds of dollars per year. Clark Stinks: Segments 1 & 2 Back To Basics: Cell Phone Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Deals - Today's Best Deals of the Day Why I Think Medicare Advantage Plans Stink - Clark Howard What Are Index Funds? // What Is an ETF? 3 Ways To Get a Free VIN Check Before Buying a Used Car Phone Plan Finder – Find and Compare Phone Plans - Clark.com Best Phone Plans: Get Exactly What You Want at the Cheapest Price 11 New Cell Phone Deals in January Amazon Haul: 4 Things To Know Before You Shop Should I Sell My House on My Own or Through a Real Estate Agent? How to Shop for Lower Car Insurance Best And Worst Homeowners Insurance Companies Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A new survey finds that half of all workers are basically miserable. Are you thinking about getting a new job this year? There are some great ways to receive additional training for free to up your skill set. Also, you can do something absolutely free to improve your health and lengthen your life.   2025 Employment: Segment 1 Ask Clark: Segment 2 Rise & Thrive: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The share of US workers who are “thriving” has fallen to a record low These 4 fantastic sites offer more than 17,000 free online courses Military and Veterans Guide: Free Resources for Your Finances Why Clark Howard Is So Excited About His Wedding Band NYTimes: Why Sitting All Day May Shorten Your Life What's the Best Way To Donate to a Charity? Clark Howard: My 7 Rules for Using Credit Cards  Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Saving for retirement is largely our own responsibility as individuals. As we live longer, we have a lot of time in retirement to prepare for. Plus, events in the world can be complicated which can make investing a nerve-wracking decision. Fortunately, there are basic core pillars and strategies that successful investors share. In this episode of Ask an Advisor, fee-only fiduciary financial advisor Wes Moss breaks down the five fundamental keys of successful investors to help you better navigate the path to achieving financial freedom and reaching your retirement goals. In the second half of the show, Wes takes a deep dive into one of the pillars: planning. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 7, 2025, Ask an Advisor episode. Submit your questions at clark.com/ask. We hope you enjoy the first of our weekly Ask An Advisor episodes, with Christa and Wes going deeper on investing and retirement savings. Let us know what you think in the comments! Learn more about Wes, our newest member of Team Clark: Capital Investment Advisors Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, something we receive many calls about at our Team Clark Consumer Action Center - timeshares. Clark explains why timeshares & their latest incarnation - vacation clubs are defective by design. Also - teaching kids about money can be a real challenge, and allowance can play a big role in teaching kids that money is a finite commodity.  Beware “Vacation Clubs”: Segment 1 Ask Clark: Segment 2 Teaching Deferred Gratification: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Vacation Clubs Are Even Worse Than Timeshares NYTimes: Lured by Luxury Vacations, They Were Stuck With Debt How To Sell, Cancel or Get Rid of Your Timeshare 12 Common Amazon Scams To Avoid Amazon Scam Warning: Beware of Deliveries You Didn't Order 3 Places You Should Never Invest Your Money Why Clark Howard Wants You to Set Up a 'Financial Chromebook' How to Teach Young Kids About Money Cash Back Credit Card Tool - Clark.com Best 2% Cash Back Credit Cards: 11 Options for 2025 6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy New Year! Clark starts off 2025 with advice that can help you save money throughout the entire year. Clark Stinks will be back next week. Also today, what to know about making returns on some of those holiday items you may not want to keep. SPEND LESS On Streaming Services: Segment 1 Ask Clark: Segment 2 Holiday Returns: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Live TV Streaming Services: Compare Top Picks for 2025 Best Free Streaming Services in 2025: Movies and TV for Cord Cutters  Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels 4 Things To Know Before You Buy a Digital TV Antenna PBS and Amazon to Launch Local PBS Stations and PBS KIDS FAST Channels Study: The 10 Best New Cars for the Money How to Shop for Lower Car Insurance Best Auto Insurance Companies and Some of the Worst The Platinum Card® from American Express Review Capital One Venture X Rewards Credit Card Travel Insurance Checklist: 5 Types of Coverage To Consider Travel Insurance: What You Need To Know Before You Buy 13 Secret Saving Hacks at Costco, Sam's Club and BJ's Wholesale Clark Deals - Today's Best Deals of the Day What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor How To Find a Trustworthy Mechanic Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. Only 1 in 4 people realize you can negotiate on items you think come at a fixed price. You can negotiate everything from the price of a new car to your cable bill to large appliances. Also, social media is full of pitches selling supplements and powders with claims they can improve your health and change your life. Not so fast. What you need to know about dietary supplements.  Price Negotiation: Segment 1 Ask Clark: Segment 2 Warning: Dietary Supplements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: A Guide To Negotiating For Cars, TV Bills, Home Renos And More Is It Worth Buying High-End Appliances? Here's How Long Your Home Appliances Should Last The best time and place to buy appliances Submit a complaint | Consumer Financial Protection Bureau Dietary supplements and protein powders fall under a ‘wild west’ of unregulated products that necessitate caveats and caution — The Conversation How To Avoid Fraud With Herbal Supplements ConsumerLab.com /  NSF International /  U.S. Pharmacopeia Consumer Federation of America Life Insurance Rate of Return Service How To Find and Claim Missing Money in Your Name Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. How do we determine our “magic number” - the amount we need to retire? Clark weighs in on the debate about how much it takes to be financially secure, and how to start and keep making progress. Also today -private placements, hedge funds, limited partnerships, private equity - beware of this type of non-traditional investment “opportunity”. Even when they’re legit, there’s no liquidity, and extremely high expenses. It pays to know why you need to avoid investing with anyone who is not a fiduciary. How Much Do You Need To Retire: Segment 1 Ask Clark: Segment 2 Risky Investment Pitches: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Much Do You Need To Retire? How to Start Investing: 10 Steps (Clark.com) How To Save Money: Spend Less & Build Your Savings Warning: Here’s What Those Debt Settlement Companies Don’t Tell You Clark Howard's 2024 Credit Card Debt Elimination Strategy 6 Things To Know Before Contacting the National Foundation for Credit Counseling Best 529 College Savings Plans By State How To Open a Roth IRA The AJC: Atlanta hedge fund manager charged in $10M fraud scheme Best Financial Advisors in 2024 Should You Make Your Child an Authorized User on Your Credit Card? Best Credit Cards for Students: Top Picks for 2024 Travel Archives - Clark Howard 4 Ways To Get Your Free Credit Score Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, we’ve talked about the cost of college, and how it can hamper parents saving for their own retirement. But what about supporting adult children post-college age? Clark shares some concerning stats. What’s your take? We have a popular thread on our free Clark.com Community on this topic, linked here and we invite you to share thoughts on financially supporting adult children. Clark Stinks: Segments 1 & 2 Paying For Adult Children: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Streaming TV - Clark.com Do I Really Need To Put Premium Gasoline in My Vehicle? How to Get Your Kids to Step Off the Gravy Train 60% of Parents Pay Bills For Adult Children. Do You? When it’s time to financially cut off your adult children Clark.com Community - What is the appropriate age to wean your child off your financial support? And how much money should you give an adult child if any? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. Clark recommends renting in a new city or state before you buy there, and has a great example of why to share with you. Also, Clark is very happy to report that the used clothing market is growing 7 times faster in the U.S. than the new market. Buying used is a great way to Spend Less! Rent Before Buying In New Locale: Segment 1 Ask Clark: Segment 2 Secondhand Clothing A WIN: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New York Post: Florida transplants fleeing in droves over relentless heat, damaging hurricanes The home insurance market is crumbling. These owners are paying the price The $10 Travel Essential Clark Howard Always Packs 5 Best Robo-Advisors in 2023 Who Should Use a Robo-Advisor? Secondhand clothing stores are red hot as consumers look to save money Clark.com - CELL PHONES Best Investment Companies for Investors in 2024 10 Best Free Checking Accounts in April 2024 Fidelity Investments Review 2023: Pros & Cons Team Clark Guarantee - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. The membership subscription business model has overtaken retailers large and small. Clark compares offerings from Target, Walmart, Amazon and 2 warehouse clubs, with a directive for consumers. Also, as if timeshares aren’t bad enough, organized crime is now getting into the resale scam game. Retail Memberships: Segment 1 Ask Clark: Segment 2 Cartels Target Timeshares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Barrons: Delivery Is Retail’s New Game. How the Players Stack Up. Target Is Rebranding Its Credit Card Program: What You Should Know Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? How To Manage Your Monthly Subscriptions To Save Money Parent PLUS loans can be a debt trap. Here's a loophole Income-Contingent Repayment (ICR) Income-Driven Repayment Plans What Are the Tax Consequences of Debt Settlement? NYTimes: A Mexican Drug Cartel’s New Target? Seniors and Their Timeshares Clark.com - Timeshares How To Sell, Cancel or Get Rid of Your Timeshare 5 Steps To Getting a Good Deal on a Hotel Room How To Plan a Trip: Clark's Best Travel Tips To Save Money Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, our last show of the year, Clark looks ahead to where home prices are likely to go in 2025. Also in this episode, Clark shares data on the average 401(k) balance. There’s room for improvement to get better prepared for retirement moving forward. 2025 Home Prices: Segment 1 Ask Clark: Segment 2 401(k) Balances: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Store Your Payment Information Online Virtual Credit Cards: An Online Security Measure Worth Taking? Top 7 Ways To Shop Safely Online This Device Can Help You Avoid an Annoying Car Rental Fee Is a HELOC a Good Idea? The Simple Answer HELOC vs. Home Equity Loan: Similarities and Differences USA TODAY: The average 401(k) balance for ages 55 to 64 may surprise you Invest & Retire - Clark.com Should You Make Your Child an Authorized User on Your Credit Card? What Is Umbrella Insurance and Do You Need It? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark is truly concerned about the chaotic state of the United States Postal Service right now. In many regions of the country, people are dealing with serious consequences of delayed or undelivered mail. Know what you can do to protect yourself Clark Stinks: Segments 1 & 2 Unreliable Mail Delivery - Action Required: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons) Government Executive: GOP senator to DeJoy: I will 'kill' your plan to reform USPS What Should I Do With My 401(k) at My Old Company? 401(k) Rollover: How To Roll Over a 401(k) What to Do if You're Facing Car Repossession Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One way you may be able to save money is through home Internet service. Do you really need the highest speeds? So many of us overbuy for what we actually need. Also, train travel in the U.S. has lagged behind other developed countries, but that is starting to change. More Internet Speed Than You Need: Segment 1 Ask Clark: Segment 2 American Rail: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Tips To Save Money on Home Internet in 2025 T-Mobile Rolls Out New Pricing for Home Internet Plans Verizon Home Internet: Things To Know Before You Sign Up 1099 Income: Why Prepaying Your Taxes Is More Important Than Ever if You Have a Side Hustle Net Worth Calculator - Clark.com More people are riding Amtrak than ever before, and improvements are on the way Where To Put Your Cash When You’re Saving for a Purchase in Less Than 5 Years 17 of the Best High-Yield Online Savings Accounts in December 2024 Best Online Banks: Free Checking and High-Interest Savings Accounts High-Yield Savings Account (HYSA) Calculator What's the Best Savings Account for a Teenager? Warning: Why You Should Never Buy Visa Gift Cards Clark's Christmas Kids 2024 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

The murder of United Healthcare CEO Brian Thompson has created a lot of argument and discussion about healthcare and health insurance. Clark addresses the problems and challenges we face with the U.S. healthcare system including lack of choice, hidden pricing, and consumers being squeezed on cost and denied care. Also - Clark discusses new statistics on how long it is taking many workers to find a new job, and how you should prepare. American Healthcare: Segment 1 Ask Clark: Segment 2 Employment Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: After a shocking shooting, Americans vent feelings about health insurance National Academy of Elder Law Attorneys Home NAELA Why It’s More Important Than Ever To Have an Emergency Fund How Much Money Do I Need in My Emergency Fund? How Much Do You Need To Save a Month To Get $10,000? 17 of the Best High-Yield Online Savings Accounts in December 2024 Is Robinhood Gold Worth It? How To Open a Roth IRA What Is a SIMPLE IRA and How Does It Work? What Is a SEP IRA and Who Is Eligible? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Auto theft, particularly at airports - has spiked around the country. Holidays travelers are especially at risk, but there is something you can do to keep track of your vehicle. Also today, Albertsons is suing Kroger now that the merger deal has collapsed. Clark discusses how this antitrust ruling matters - or doesn’t - to us as consumers.  Grand Theft Auto: Segment 1 Ask Clark: Segment 2 Supermarket Antitrust Ruling And You: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Christmas Kids 2024 How To Find and Claim Missing Money in Your Name How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card Best Travel Credit Cards: Top Rewards Picks for 2025 Do I Need To Unfreeze My Credit To Shop for Car Insurance? What's the Best Savings Account for a Teenager? What Brokerage Do You Recommend for First-Time Investors or Kids? When Should You File a Claim on Your Homeowners Insurance? 10 Things Homeowners Insurance Doesn't Always Cover Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

You CAN DIY - by learning to fix things, even on your own car! Believe it or not, even Clark has been able to do this! Also today, a housing market update including new vs used homes, where people are buying now and why.   Online DIY Repairs: Segment 1 Ask Clark: Segment 2 Moving To Satellite Communities: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ: Would You Fix Your Own Car? These Amateurs Are Trying It. Clark,com - Buying Tires Best Renters Insurance Companies and Ones To Avoid 6 Best Background Check Services Is a HELOC a Good Idea? The Simple Answer What Are Index Funds? / What Is an ETF? Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Lenspricer.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also today, we spend so much on healthcare in the U.S. with less to show for it. Clark has money saving medical advice, and a recent experience to share. Clark Stinks: Segments 1 & 2 SPEND LESS On Healthcare: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Christmas Kids 2024 Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? The Platinum Card® from American Express Review 2024: Is It Worth It? Should I Freeze My Credit With the Other Credit Bureaus? Which Credit Reports Do AT&T, T-Mobile, Sprint, and Verizon Pull? 5 of Clark Howard's Most Extreme Frugal Hacks New lessons from the fight for charity care  /  Dollar For Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons) What Should I Read To Learn More About Investing? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Uber’s current trouble with the FTC is a consumer lesson for us all, and a great reminder to take action now to protect your wallet. Also today, Warren Buffet recently gave some important advice about estate planning. Clark shares 3 important steps to take. Your heirs will thank you.  Subscription Maintenance: Segment 1 Ask Clark: Segment 2 Estate Planning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The FTC is investigating Uber over its subscription service HumbleDollar: Home How Long Do You Need To Keep Tax Documents? 17 of the Best High-Yield Online Savings Accounts in December 2024 Dollar Cost Averaging Makes You a Fortune Over Time How To Open a Roth IRA Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About Is a Safe Deposit Box Really Safe? Why You Need To Talk to Your Family About Your Estate Before You Die Wills & Funerals Archives - Clark Howard Follow Clark Howard's #1 Rule To Travel Cheap The Best International Phone Plans Clark's Christmas Kids 2024 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark discusses tariffs and the potential for rising car prices. So should you pull the trigger and buy now?  Also, you may be tempted to get a store credit card while holiday shopping. Know why Clark is adamantly opposed to this form of “junk credit”.  Tariffs And Car Prices: Segment 1 Ask Clark: Segment 2 Store Credit Cards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Christmas Kids 2024 Should You Ever Lease a Car? Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit My 7 Rules for Using Credit Cards - Clark Howard Best 2% Cash Back Credit Cards: 11 Options for 2025 5 Sneaky Ways To Improve Your Credit Score How Dividing Your Monthly Credit Card Payment Speeds Up Your Payoff Date Warning: Why You Should Never Buy Visa Gift Cards Is Turo Legit? 5 Things To Know Before You Use It 5 Things to Know About the Costco Car Rental Program Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Mortgage Recasting 101. Clark explains how this type of payment works, when it might be appropriate, and mortgage recasting vs principal prepayment.  Also, many fast food restaurants are innovating through apps, AI - and a whole new era of vending machines.   Mortgage Recasting: Segment 1 Ask Clark: Segment 2 Fast Food Innovations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mortgage recasting: What it is and how it works Submit a complaint | Consumer Financial Protection Bureau Is a HELOC a Good Idea? The Simple Answer HELOC vs. Home Equity Loan: Similarities and Differences Home Equity Loan Calculator - Clark Howard Should I Purchase a Prepaid Funeral Plan? Clark Howard's Important Advice on Funeral Planning Low-Cost Cremation Services: 5 Things to Know Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - with the rapid rise in home values, property taxes have gone up all over the country. North Dakota tried and failed to eliminate property taxes on election day, and other states are trying to figure out a way to give homeowners some relief. Also today - there’s a trend in the country that has both positive and negative consequences - “unretiring”. Clark discusses a different way to think about retirement that can help ease the transition for many.   Property Taxes: Segment 1 Ask Clark: Segment 2 Tiered Retirement: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Christmas Kids 2024 What Is an Amortization Schedule? Use This Chart To Pay Off Your Mortgage Faster Amortization Calculator and Schedule - Clark Howard What Is Term Life Insurance? Best Term Life Insurance Companies, Plans & Coverage How To Buy Term Life Insurance in 7 Easy Steps Thinking About Unretiring? You’re Not Alone Is It a Good or Bad Idea To Buy a Rental Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - some older workers have a new opportunity to sock more money away in their 401(k)s next year. Use our calculator at Clark.com to estimate how much your retirement accounts will grow over time.  Clark Stinks: Segments 1 & 2 401(k) Super Catch-Up Provision: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why I Think Medicare Advantage Plans Stink - Clark Howard The American College of Trust and Estate Counsel: ACTEC What To Do if Your Flight Is Delayed or Canceled Older Workers Can Now Supersize Their 401(k) Savings - WSJ 401(k) Calculator (Clark.com) Roth vs. Traditional 401(k): What's the Difference? What Is a Solo 401(k) and How Does It Work? 5 Sneaky Ways To Improve Your Credit Score Journal of the American Medical Association The New England Journal of Medicine | Research & Review The Lancet | The best science for better lives Mayo Clinic: Top-ranked Hospital in the Nation / Cleveland Clinic Clark's Christmas Kids 2024 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Since the earnings rate on I Bonds changes every six months - Clark has updated advice for savers. Also - Clark’s “three favorite children” in the financial world, Vanguard, Schwab and Fidelity, aren’t perfect, and he calls them out where needed. At the moment, there’s an issue with Fidelity that investors need to know about.  Series I Savings Bonds: Segment 1 Ask Clark: Segment 2 Fidelity Investments: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Christmas Kids 2024 6 Things To Know About Series I Savings Bonds Why Clark Says It’s Time To Dump I Bonds 17 of the Best High-Yield Online Savings Accounts in November 2024 Best Prepaid Cards: Top Debit Card Alternatives Fidelity And Ex-Advisor Agree to End Lawsuit Over High-Fee Investments How To Open a Roth IRA Fidelity Investments Review: Pros & Cons The Best Places To Buy Hearing Aids (Clark.com) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’re in the market for a giant screen TV  this holiday season - Clark’s got news to help you Save More.   Also - there is one thing that a business can do to make employees happier, and in turn give customers a better experience, and in turn - be more profitable.  Big Screen TVs: Segment 1 Ask Clark: Segment 2 Employer Enlightened Self-Interest: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Deals - TVs Are Online ESA Letters Legitimate? Even large corporations should consider employee ownership. Here’s why Should I Refinance My Car Loan? 4 Questions To Ask Yourself Clark Howard's Simple Rule for Refinancing an Auto Loan How To Refinance a Car Loan: A Step-by-Step Guide Auto Loan Refinance Calculator - Clark Howard How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Over the past 15 years homeowners insurance has become increasingly unstable, expensive and anti-consumer. But with the run-up in home values, many may be seriously underinsured. Clark has direction for home owners to ensure proper coverage. Also today, the giving season requires a warning about charity scams - a real problem. Know how to make sure your charity dollars are used effectively. Update: Homeowners Insurance: Segment 1 Ask Clark: Segment 2 Safe Charitable Giving: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is Homeowners Insurance? How Much Homeowners Insurance Do I Need? Homeowners Insurance Archives - Clark Howard What Is a C.L.U.E Report and Its Impact on Your Insurance How Often Should You Re-Shop Insurance? Clark's Take: Should You Invest in Stocks at All? INVEST & RETIRE - Clark How To Choose the Best Charities for Your Donations (Clark.com) Best 2% Cash Back Credit Cards: 9 Options in 2024 Cash Back Credit Card Calculator Tool Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has new advice for booking domestic flights and the new airline rule on refunds figures into the way you should now search for fares. Also in this episode, Amazon is expanding their medical offerings. Clark has some experience using Amazon health services and shares his insights into this option. One Way Flight Search: Segment 1 Ask Clark: Segment 2 Amazon Medical Care: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save Money With Google Flights The Best Day and Time to Book a Cheap Flight What's the Best Way To Send Money Overseas? Best Credit Cards With No Foreign Transaction Fees in 2024 The No Surprises Act's Prohibitions on Balancing Billing Clark's Christmas Kids 2024 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Weekend! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - The travel industry can be unstable. Another cruise line recently shut down. Know Clark’s number one rule for booking travel and protecting your money. Clark Stinks: Segments 1 & 2 Travel Booking Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Best International Phone Plans What Should You Do About Phone Data on an International Trip? American Queen Voyages Cancels All Cruises, Shuts Down Operations Best Travel Credit Cards: Top Rewards Picks for 2024 The Only Way You Should Pay for a Cruise Travel Insurance: What You Need To Know Before You Buy Why You Should Never Use a Debit Card To Pay for Anything How To Plan a Trip: Clark's Best Travel Tips To Save Money Should I Buy Additional Insurance From a Rental Car Company? Amex EveryDay® Credit Card Review: 15 Months of Intro 0% APR Credit Card Car Rental Insurance: What You Need To Know Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! The percent of income we save, our savings rate  - is the key indicator of financial health. So how are we doing right now?  Also -  How much exercise do you really need to make a difference in your health, and ultimately your wallet?  Only 25% of Americans get the recommended amount of exercise. New data reveals what a big difference the minimum requirement can make for those who are mostly sedentary. American Savings Rates: Segment 1 Ask Clark: Segment 2 Arise From The Couch: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans are saving less and spending more. Could that raise the risk of recession? Bankruptcy filings are on the rise. Here's why an even bigger surge is looming. Why 'Buy Now, Pay Later' Worries Clark Howard My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Car Rental Insurance: Everything You Need To Know How Much Exercise Do You Need? More Than You Think—But Every Little Bit Helps. Donor-Advised Funds: The Benefits and Drawbacks Vanguard Charitable: Home What Is Black? Uber Black Car Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Clark has news for parents and grandparents saving for a child’s college education. Also in this episode, reversals in the auto industry are landing many existing car loans underwater. What to do if you are upside down in a car loan. 529 Plan Update: Segment 1 Ask Clark: Segment 2 Upside Down Vehicle Loans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Use the 529 Grandparent Loophole to Maximize College Savings Best 529 College Savings Plans By State Rollovers From a 529 Plan to Roth IRA: What to Know Target Date Funds: Clark’s Favorite Retirement Investment How To Find and Choose a Financial Advisor Car values plummet, putting car loans underwater More car owners are underwater on loans because of lower trade-in values What Is Gap Insurance? Definition, How It Works, When to Buy How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! There’s a lot of talk and concern about traditional 401(k)s and IRAs going away. Clark explains.  Also, baggage fees are rising again, increasing the cost of flying for customers. What to know before you get to the airport.  Future 401(k)s & IRAs: Segment 1 Ask Clark: Segment 2 Airline Baggage Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Predicts Traditional 401(k)s, IRAs Will Cease To Exist Within a Decade Do Not Give Your Social Security Number at These Places How Many Bank Accounts Should You Have? - Clark Howard 16 of the Best High-Yield Online Savings Accounts Best Investment Companies for Investors in 2024 How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Best Travel Credit Cards: Top Rewards Picks for 2024 Best Cash Back Credit Cards With No Annual Fee in 2024 Should You Ever Buy Travel Medical Insurance? 6 Best Apps To Save Money on Groceries Flipp – Flyers, Shopping List, Weekly Ads | Flipp Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Later, everyone said the touchscreen ordering systems at places like McDonalds were going to cost jobs, but have they? Clark shares some interesting findings and historical perspective on how technology affects jobs. We’re off Thanksgiving week but will post some favorite episodes. If you’re shopping deals, make sure you’re subscribed to our Clarkdeals.com newsletter. The team will update deals all week, with the exception of Thanksgiving day. Happy Friday and enjoy the holiday! Clark Stinks: Segments 1 & 2 Robotics, Efficiency & Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Money Lessons From Clark Howard's Trip to Europe Changing Jobs? Don't Make This Costly Retirement Mistake What Can I Safely Use for Peer-to-Peer Payments? Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? 12 Keys To Keeping Your Home Wi-Fi Network Safe and Secure Best Free Password Managers: 10 Top Picks 5 Tips To Protect Your Digital Privacy Safe Browser Alternatives That Promise Not To Track You Why You Should Never Use a Debit Card To Pay for Anything Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re one week out from Thanksgiving, and holiday shopping is in full swing. One thing to consider - return policies. Clark has a personal story to share that saved him big money. Also, this season of giving arrives with credit card debt at an all-time high. A Clark smart assignment for you.  Return Policies: Segment 1 Ask Clark: Segment 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Phone Plan Finder – Find and Compare Phone Plans - Clark.com Budgeting Basics: What You Need To Know To Get Started Best Budgeting Apps in 2024: Our Top 5 Budgeting & Saving Archives - Clark Howard The Best Place To Buy a Mattress How Can I Get Rid of My Old Mattress Cheaply? Should I Freeze My Credit With the Other Credit Bureaus? How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today,  a special guest joins the show - Charis from our ClarkDeals team shares the best deals of the holiday season and what to look out for. Also today, Clark lends perspective on post election confusion around the stock market right now.  Holiday Deals: Segment 1 Ask Clark: Segment 2 Direction For Investors: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CLARK DEALS How To Find Cheap Flights in 3 Easy Steps Best 529 College Savings Plans By State NYTimes: Even at a Time Like This, Slow and Steady Works in the Stock Market Invest & Retire - Clark.com Southwest Airlines $500 Email Delivery Gift Card Southwest Airlines: $500 eGift Card Credit Card Car Rental Insurance: What You Need To Know Is a HELOC a Good Idea? The Simple Answer HELOC vs. Home Equity Loan: Similarities and Differences Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Buying a home vs renting is a tougher decision these days, with several factors and new considerations to keep in mind. Also in this episode, since the long term care insurance industry is broken and financially prohibitive in its present collapsed state, how do you prepare for the assistance you may need in old age? Renting Vs Buying A Home: Segment 1 Ask Clark: Segment 2 Long Term Care: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Online Banks: Free Checking and High-Interest Savings Accounts Are You Actually Earning Cash Back on Groceries With Your Credit Card? Capital One Shakes Up Its 'Savor' Line of Credit Cards They Bought Insurance for Security in Old Age. They Got a Financial Nightmare Instead How Do You Prepare for the Likelihood of Long-Term Care Costs? Living Will and Durable Power of Attorney: Frequently Asked Questions CarMax vs. Carvana: A First-Hand Experience Selling a Car in 2024 What's the Cheapest Way To Replace a Lost Vehicle Key Fob? 3 Ways To Get a Free VIN Check Before Buying a Used Car Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Pensions are relics and 401(k)s are problematic. We need a rethink on how we save for retirement, and how we allocate those savings with the certainty that people won’t outlive their money. A solution is out there, and Clark shares that with you today. Also, Clark breaks down the paycheck-to-paycheck cycle many find themselves in, and how for some earners, it’s entirely possible to break that cycle.  Solving Saving For Retirement: Segment 1 Ask Clark: Segment 2 The Marginal Propensity To Consume: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - INVEST & RETIRE The dangers of underestimating your retirement Annuities Aren’t the Problem. Commissions Are, Say These Industry Pros Best Financial Advisors in 2024 Vanguard Personal Advisor Review What to Do When You're Being Harassed About an Old "Zombie Debt" 10 Ways To Save on Prescription Drugs Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, the percentage of people being taken by scams continues to rise. Know how to recognize the common themes in prevalent scams right now in order to better protect yourself. Clark Stinks: Segments 1 & 2 Scam Recognition-Prevention: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Consumer Reports: Best Most Reliable Used Cars Roth vs. Traditional 401(k): What's the Difference? How To Open a Roth IRA What Is a Fiduciary Financial Advisor and Do I Need One? Should You Ever Book a Nonrefundable Hotel Room? What Is Umbrella Insurance and Do You Need It? Why You Need To Re-Shop Your Car Insurance Right Now Hang up on unwanted calls about loans Is that gift card helping your congregation or paying a scammer? Did you get a call or email saying you missed jury duty and need to pay? It’s a scam Americans can now renew passports online and bypass cumbersome paper applications Submit a complaint | Consumer Financial Protection Bureau Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s important to protect your privacy online and there are some simple things you can do to stop the sharing of your data when visiting websites. Also, Clark shares news on the state of the auto industry, and what it means for car buyers.  Protecting Online Privacy: Segment 1 Ask Clark: Segment 2 Auto Industry Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Safe Browser Alternatives That Promise Not To Track You Want To Guard Your Privacy Online? Search the Web With DuckDuckGo 7 Things To Know Before You Use Zelle Safer Ways To Send Money When Should You File a Claim on Your Homeowners Insurance? 6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster Should I Convert a Traditional IRA to a Roth IRA? - Clark.com How To Buy a Used Car - Clark.com Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Amazon and Walmart are retail behemoths in a market share fight, and Clark shares 2 new ways you can benefit, including a discount deal on gas. Also today, how much does mindset play into your success at work? More than you think! Amazon & Walmart+: Segment 1 Ask Clark: Segment 2 Positivity - It Really Works: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon Prime introduces a new benefit to save on gas USA TODAY: Walmart unveils Black Friday plans: When customers can expect deals Amazon targets Aldi and Target with a new lineup of ‘no-frills’ groceries How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels Phone Plan Finder – Find the Best Plan For You - Clark.com Cash Back Credit Card Calculator Tool / Clark - CALCULATORS Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you a part of the sandwich generation, caring for children and parents at the same time? Clark talks about the unique challenges involved, and ways to prepare if you foresee this often difficult squeezeplay in your future. Also today, as we move into the winter weather holiday travel season, Clark shares strategies for dealing with delayed or canceled flights. The Sandwich Generation: Segment 1 Ask Clark: Segment 2 Holiday Flight Tips: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Clark-Approved Way To Invest in Real Estate Roth vs. Traditional 401(k): What's the Difference? How and When To Refinance Your Mortgage: A Step-By-Step Guide How To Improve Your Credit Score in 5 Key Areas The Best Ways To Protect Yourself Against Airline Cancellations FlightAware - Flight Tracker / Flight Status AutoSlash Review: How To Save on a Rental Car Car Rental – Search, Compare & Save 5 Things to Know About the Costco Car Rental Program Chase Sapphire Preferred® Card Review: What You Should Know About the Travel Card Travel Insurance: What You Need To Know Before You Buy InsureMyTrip Review: Why We Like It and How to Use It How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A Special Veterans Day Thanks To All Who Have Served, Past, Present and Future. Today Clark goes back to basics, explaining how to determine if a robo advisor or a financial planner is best for you. Also, how rent control can distort a market and limit housing supply. Investment Advisors: Segment 1 Ask Clark: Segment 2 Rent Control: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Who Should Use a Robo-Advisor? (Clark.com) Investing: Self-Directed vs. Robo-Advisor vs. Financial Advisor (Clark.com) Robo-Advisors - Clark.com / 5 Best Robo-Advisors in 2024 What Is a Fiduciary Financial Advisor and Do I Need One? How Much Does a Financial Advisor Cost? Best Financial Advisors in 2024 What’s the Best Place To Get Investing Advice From an Advisor if I Have Limited Assets? 3 Places You Should Never Invest Your Money Stripe, Inc. | Better Business Bureau® Profile Good2GoMobile  / CELL PHONES - Clark.com Phone Plan Finder – Find the Best Plan For You - Clark.com Military and Veterans Guide: Free Resources for Your Finances 25+ Places That Offer Discounts to U.S. Veterans Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark shares insights from his man on the street retirement survey. Hear the questions he put to those surveyed and see how your answers compare.  Clark Stinks: Segments 1 & 2 What Clark’s Retirement MOTS Survey Reveals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Walmart+ Membership Program: 4 Things To Know These Are the Credit Cards in Clark Howard's Wallet My 7 Rules for Using Credit Cards - Clark Howard Roth vs. Traditional 401(k): What's the Difference? Changing Jobs? Don't Make This Costly Retirement Mistake Should You Rollover Your 401(k) to a New Employer? How To Make the Right Decision What Should I Do With My 401(k) at My Old Company? What Is a Flexible Spending Account? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A trend among young adults economists call “doom spending” is of concern. Clark addresses why this is happening and offers a different perspective. Also today - why it’s so important to be an advocate for yourself when it comes to your health, and Clark is living proof.  Costly Pessimism: Segment 1 Ask Clark: Segment 2 YOU Are Your Best Health Advocate: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should You Ever Lease a Car? CarMax vs. Carvana: A First-Hand Experience Selling a Car in 2024 How To Find a Trustworthy Mechanic We Tried to Shop Our Way to Cheaper Car Insurance. It Didn’t Work. How to Shop for Lower Car Insurance - Clark.com Car Insurance Archives - Clark Howard Axios: AI fuels cancer breakthroughs Future of Health | Medical & Healthcare News Roth vs. Traditional 401(k): What's the Difference? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

TV viewers endure an unrelenting barrage of pharmaceutical ads. A recent study reveals information about these ads that every consumer needs to know, plus hear Clark’s recommendation for vetting medicines. Also, mortgage holders with high interest rates are waiting to refinance, but there’s another payment strategy that can save you big bucks over time.  Drug Ad Deceptions: Segment 1 Ask Clark: Segment 2 Mortgage Pay Down Method: Segment 3 Ask Clark: Segment 4 Mentioned on the show: With TV Drug Ads, What You See Is Not Necessarily What You Get Price-Matching Policies at Walmart, Target and Other Top Stores How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees Use These Tips To Pay Off Your Mortgage Early Mortgage Calculator with Extra Payments / Calculators - Clark Howard What Are Index Funds? Investing & Retirement Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - remember shrinkflation? It’s not entirely over but some manufacturers have heard the complaints and are changing course. Also - There are sundry reports these days about post-pandemic young workers having difficulty landing jobs and adapting to new work places. Job interviews have changed and it’s vitally important to understand the basics of how to prepare and conduct yourself during an interview for employment.  Shrinkflation Reversal: Segment 1 Ask Clark: Segment 2 Job Interview Knowhow: Segment 3 Ask Clark: Segment 4 Mentioned on the show: HELOC vs. Home Equity Loan: Similarities and Differences Used Clean Vehicle Credit | Internal Revenue Service Not using these job interview tips can reduce your chances of getting that job The 10 most common job interview questions & how to answer them Video Interview Tips: How To Prepare Do I Need To Accept U-Haul Insurance When Renting a Moving Truck? Should You Get a Store Credit Card? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The stock market is overvalued these days so many are concerned about a coming correction or bear market. Hear Clark’s take on how best to move forward with your investment goals. Also today, two ways of paying for items over time that Clark wholeheartedly does NOT recommend.  Clark Smart Investing: Segment 1 Ask Clark: Segment 2 2 Payment Schemes To Avoid: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Investing & Retirement Archives - Clark Howard Warning: How To Avoid Buying a Flood-Damaged Car Lemon laws: These states do the best job protecting consumers in new car purchases Chase Credit Cards Will No Longer Be an Option for These Payments Why 'Buy Now, Pay Later' Worries Clark Howard When does a 0% purchase plan make sense for you? Best Credit Cards With No Foreign Transaction Fees in 2024 The Platinum Card® from American Express Review 2024: Is It Worth It? BBB-File a Complaint Is One Medical Membership for Prime Members Better Than a Health Concierge? Should You Buy Gold at Costco? Warning: How You Should NOT Buy Gold Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark compares the cost of food prepared at home vs eating out. New data on total meal spending shows where we can save more on overall food costs.  Clark Stinks: Segments 1 & 2 Save On Food Costs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 401(k) Rollover: How To Roll Over a 401(k) How Much of Each Paycheck You Should Save or Invest 10 Ways To Save on Prescription Drugs Android’s theft protection features keep your device and data safe 7 Places to Get the Best Deals on Lab-Created Diamonds The Best Time and Place To Buy an Engagement Ring USDA Food Plans: Monthly Cost of Food Reports What You Need To Do if Your Phone Gets Lost or Stolen Credit Karma Review: Free Credit Score and More at Your Fingertips Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices ______________________________________________________________ Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Home Depot is doing something that all employers should do. Clark talks about what distinguishes a winning corporate culture. Also today, Help Wanted: electricians, plumbers, CPAs, air traffic controllers, police officers and more. Clark shares opportunities for employment that empower workers to create financial security and personal wealth.  Employers Should Know: Segment 1 Ask Clark: Segment 2 Employment Opportunities: Segment 3 Ask Clark: Segment 4 Mentioned on the show: AutoSlash Review: How To Save on a Rental Car SIXT rent a car | Premium Car Rental & Top Deals Worldwide 4 Things You Should Always Pack in Your Carry-On How to Freeze Your Child's Credit How To Build Your Credit Score from Scratch How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses the societal changes in how college costs are trending now, the existing burden of student loan debt, and the best way to save in a 529 Plan. Also today, Clark has news on the car insurance front. The cycle has turned. Brace for good news and know how to make the most of it. How To Choose A 529 Plan: Segment 1 Ask Clark: Segment 2 Auto Insurance Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best 529 College Savings Plans By State How To Save Money With Google Flights Roth vs. Traditional 401(k): What's the Difference? How to Shop for Lower Car Insurance (Clark.com) How Can I Find Out Why My Credit Score Just Dropped? What Is a Good Credit Score? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Not only does carrying the burden of debt create an enormous amount of stress, but a new poll shows that it affects so much more. Clark discusses how it can even affect your career mobility. Also, Clark talks about the best deals in reliable used cars right now. Debt Paralysis: Segment 1 Ask Clark: Segment 2 Best Deals In Used Cars: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Debt Archives - Clark Howard Should You Ever Book a Nonrefundable Hotel Room? Your Guide to DIY Home Security Systems What's the Best Way To Send Money Overseas? Best Credit Cards With No Foreign Transaction Fees in 2024 How To Buy a Used Car (Clark.com) Gablok : the story of an insulated block Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Yesterday Clark talked about using credit cards responsibly to your advantage. Today Clark discusses why he refers to the debit card as a “piece of trash fake Visa”.  Know the risks of debit card use.  Also - The big pharmacy chains are closing hundreds of stores, and Clark wants to make sure you’re aware of another option for lower cost prescriptions that’s also convenient. Piece Of Trash That Burns Your Cash: Segment 1 Ask Clark: Segment 2 Rx For Less: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Victim of fraud? Protections are different for debit, credit cards. Do Debit Cards Still Stink in 2024? The Safer Way To Use Your Debit Card Why Clark Is Prepared To Break His 'No Debit Cards' Rule HELOC vs. Home Equity Loan: Similarities and Differences Home Equity Loan Calculator - Clark Howard Hello Mobile Review: 5 Things To Know Before You Sign Up The Best Talk & Text Only Phone Plans (No Data) Phone Plan Finder – Find the Best Plan For You - Clark.com Best Phone Plans: Get Exactly What You Want at the Cheapest Price 10 Ways To Save on Prescription Drugs (Clark.com) Warning: One Way You Should Almost Never Fill Prescriptions How Can Discount Drug Apps Offer Such Big Savings on Prescription Medications? Here's How Long Your Home Appliances Should Last Homeowners Insurance Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, there’s a market share war with credit card companies. Competition is hot. So how do you choose? Clark has updated his cards and offers a new tool to help you choose the best credit cards for you. Clark Stinks: Segments 1 & 2 Clark Smart Credit Cards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Do Not Give Your Social Security Number at These Places 5 Big Travel Updates Clark Wants You To Know ETIAS News & Information For Visitors Coming To Europe Best Free Password Managers: 10 Top Picks Do You Know How Much Cash Back You’re Getting? Cash Back Credit Card Calculator Tool (Clark.com) My 7 Rules for Using Credit Cards - Clark Howard Clark Says This Credit Card Mistake Is Like Chasing 'Fool's Gold' Sam's Club® Mastercard® Review: Earn 5% Back on Gas Purchases Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now Capital One Venture X Rewards Credit Card: 6 Things To Know in 2024 Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card New unlimited 2% cash back credit card: Navy Federal cashRewards Plus Card Best Airline Credit Cards for 2024: Are They Right For You? Clark.com - Hearing Aids What's the Best Way To Send Money Overseas? 5 Money Tips To Know Before You Travel Abroad Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Shopping season is upon us and the use of payment apps is commonplace, but more fraud protections are needed. Know the safest way to use these apps including Venmo, Zelle, Cash App & PayPal. Also, when using credit cards, though it hasn’t been required in years, many retailers still have you sign the receipt. Clark has a good idea why that’s happening.  Payment App Precautions: Segment 1 Ask Clark: Segment 2 Credit Card Receipts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Can I Safely Use for Peer-to-Peer Payments? 6 Things To Know About Series I Savings Bonds What Clark Says You Should Do With Your I Bonds This Year 6 Things to Know About Refinancing Your Mortgage What Is a Fiduciary Financial Advisor and Do I Need One? Best Financial Advisors in 2024 How Much Does a Financial Advisor Cost? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Independent retail chains selling gas and food are becoming an economic force benefiting consumers. So what are the best convenience store chains in the nation? Clark delivers new rankings from the American Customer Satisfaction Index. Also today - One reason the U.S. economy is faring better than most other developed economies in the world is American entrepreneurship. Covid era startups have created over 7 million American jobs. Clark speaks to the potential entrepreneur in you!  Convenience Stores Vs Gas Stations: Segment 1 Ask Clark: Segment 2 New Businesses Fuel Economy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Are Unrealized Gains and Losses? How To Buy a Used Car How to Buy a New Car in 5 Steps Roth vs. Traditional 401(k): What's the Difference? National Academy of Elder Law Attorneys (NAELA) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Our Consumer Action Center is getting a lot of calls about a growing text message scam that appears to be from your credit card company. Know how to spot it so you don’t get taken. Also, Clark shares some ways restaurants at all levels are exploring ways to cut costs. Know what to look for to save more on dining out, including smaller portions for less money. Credit Card Text Scams: Segment 1 Ask Clark: Segment 2 SAVE MORE Eating Out: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Scam: Think Twice Before You Respond to This Credit Card Alert Home Title Lock: Is It the Same As Home Title Insurance? What Is Owner's Title Insurance and Do You Need It? Costco Travel: 5 Things To Know Before You Book Travel Insurance: What You Need To Know Before You Buy Axios: Diamond math What Does a Home Warranty Cover and Is It Worth The Money? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today’s mandatory arbitration abuses trace back to a law passed a century ago, repeatedly upheld to deny citizens their right to a day in court. Clark shares yet another case in point. Also in this episode- open enrollment is an opportunity to choose among health care plans which offer one of Clark’s favorite tools for long term financial security. Should you opt for an HSA - Health Savings Account?  Mandatory Arbitration: Segment 1 Ask Clark: Segment 2 The Case For HSAs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Long Should I Save Pictures of My Car Rental? Military and Veterans Guide: Free Resources for Your Finances Where Should I Set Up My Health Savings Account (HSA)?- Clark.com What Is an HSA Account and How Does It Work? Should You Fund Your IRA at Once or Steadily Contribute Throughout the Year? Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? Refunding Fees for Delayed Checked Bags and Ancillary Services File a Consumer Complaint | US Department of Transportation Elliott Report: Home What Luggage Does Clark Howard Recommend? 4 Things You Should Always Pack in Your Carry-On Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, criminal rings are heavily engaged in cell phone theft now, and they’re after your financials. Know what to do before, and after the loss or theft of your cell phone - just in case.   Clark Stinks: Segments 1 & 2 Cell Phone Theft: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Investment Companies for Investors in 2024 Mortgages Archives - Clark Howard 4 Things To Know Before You Buy a Digital TV Antenna How To Watch Local Channels Without Cable What Should You Do if Your Insurance Claim Is Denied? What Is Umbrella Insurance and Do You Need It? One Tech Tip: Here’s what you need to do before and after your phone is stolen or lost SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With the recent hurricanes, wildfires, and other natural disasters around the country, Clark has specific advice for home buyers. Also today, as remote work scams proliferate, learn more about how to find legitimate work from home. Flood Insurance: Segment 1 Ask Clark: Segment 2 Legit WFH Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NATIONAL FLOOD INSURANCE PROGRAM Zillow will now show climate risk data on home listings Will Your House Flood? We Ask the Experts When Hurricane Helene hit, this disaster-proof Florida neighborhood kept the lights on Roth vs. Traditional 401(k): What's the Difference? BBB-File a Complaint The six-figure hybrid jobs that are most in-demand Legitimate Work From Home Jobs – How to Find Them (Clark.com) These Companies Are Hiring for Partially Remote Jobs Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark discusses what’s going on with U.S. oil prices from a global perspective, in light of potentially escalating conflicts in the Middle East. Also, Medicare open enrollment is underway. With all the upheaval with Advantage plans this year, it’s more important than ever to understand the changes in your plan, and compare your options. Clark has a valuable resource to help you make the best choice.  Oil & Gas Prices: Segment 1 Ask Clark: Segment 2 Medicare DisAdvantage Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Does the Brand of Gasoline Really Matter? Phone Plan Finder – Find the Best Plan For You - Clark.com Consumer Reports -We've Lab-Tested Hundreds of Refrigerators. These Are the 12 Best Fridges of 2024. Medicare Advantage giant Humana reels after ratings cut SHIP State Health Insurance Assistance Program - Navigating Medicare Where You Should Never Buy Travel Insurance for a Cruise Travel Insurance: What You Need To Know Before You Buy InsureMyTrip Review: Why We Like It and How to Use It How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Vigilance shoppers - With the holiday season already underway, sales are coming and going faster, increasing the likelihood of being overcharged - which happens more often than you might think. Clark has tips on how it pays to pay attention. Also today in retail peril - why you DON’T want to save 10% on your purchase if you apply for a store card.  Overcharged At Checkout: Segment 1 Ask Clark: Segment 2 Retail Store Cards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Reasons Sam's Club Is Better Than Costco Housing market hack: How this family just got their dream home at a 2.5% mortgage rate Subordinated Debt: What It Is, How It Works, Risks How To Open a Roth IRA What Brokerage Do You Recommend for First-Time Investors or Kids? 6 Tips to Teach Teenagers About Money 401k Fees: How Much is Too Much? Fidelity Investments Review: Pros & Cons Retail credit card interest rates reach record high Should You Get a Store Credit Card? Cash Back Credit Card Calculator Tool Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In the news we’re seeing stories of travelers stranded and out thousands of dollars, because of the way they booked flights and hotels. Clark explains how to avoid this trap when making your travel plans. Also today, why PBMs - the prescription benefits managers included in many employer insurance programs - are often more costly than self-paying for meds. Clark gives you ways to save more on prescriptions. Warning - Fake Travel Agencies: Segment 1 Ask Clark: Segment 2 How To Shop Prescriptions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Travel Archives - Clark Howard 5 Big Travel Updates Clark Wants You To Know How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion FTC sues drug middlemen for allegedly inflating insulin prices Warning: One Way You Should Almost Never Fill Prescriptions 10 Ways To Save on Prescription Drugs Will Mark Cuban's Prescription Company Really Save You Money? Raisin Review: Can You Trust This Online Savings Marketplace? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also travelers, Clark has new info on Real ID requirements, electronic driver’s licenses and a great new way to renew your passport.  Clark Stinks: Segments 1 & 2 New Travel Document Options & Requirements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The best deals on TVs available now Credit Score Guide How To Dispute an Error on Your Credit Report and Win How To Cancel & Get Rid of PMI Earlier Report: 5 Best Hotel Rewards Programs for 2024 European travelers will have to pay to enter the UK in 2025 Should I Create an E-Verify Account To Lock My Social Security Number? Do Not Give Your Social Security Number at These Places How To Send a 'Drop Dead' Letter to a Collection Agency What Is an Annuity, and Why Does Clark Think They Stink? Certificate of Deposit (CD): What Is It, Best Places To Open One Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark has an update from the FDIC in the aftermath of the recent fintech meltdown, including the dangers of “blended banking” and how to spot fake savings account offers. Also - if you are in the market for a house, you may see offers for land contracts or seller financing. Know the downsides of alternative rent-to-own type mortgages Protections For Savers - An FDIC Update: Segment 1 Ask Clark: Segment 2 Beware Lease Purchase Type Home Offers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The FDIC Is From the Government and Really Is Here to Help 17 of the Best High-Yield Online Savings Accounts in October 2024 Experian Insurance Marketplace NYTimes: A Mortgage Alternative for Lower-Priced Homes Comes With Risks NYTimes: Consumer Agency Cracks Down on Seller-Financed Home Sales Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Who wants to be a Millionaire? Clark discusses how this level of financial security can be within reach - even for those earning average pay. Also today - given the monumental scope of data breaches, in addition to task number one: freezing your credit - Clark has another tip for securing your identity. We all need to batten down the hatches, and Clark shares an important step to help you do just that. Becoming A Millionaire: Segment 1 Ask Clark: Segment 2 Secure Your Identity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] The 401(k) millionaires club hit a new record. What’s their secret? How To Use an IRA To Become a Millionaire How To Retire a Millionaire With a 401(k) Plan in 19 Years 401(k) Calculator // Saving and Investment Calculator Savings Table – By Rate of Return // Savings Table – By Years Target Date Funds: Clark's Favorite Retirement Investment Roth vs. Traditional 401(k): What's the Difference? 3 Places You Should Never Invest Your Money What Is a Backdoor Roth IRA? Backdoor Roth IRA: Advantages and Tax Implications Explained What Are Index Funds? / What Is an ETF? Why You Need To Go Through Your Online Accounts Use Password Checkup - Guidebooks with Google Elliott Report: Home Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

On today’s Special Edition, Clark welcomes longtime friend and colleague, Jonathan Clements. A London born, Cambridge University graduate, financial writer Jonathan Clements is the founder and editor of HumbleDollar.com and author of "From Here to Financial Happiness," "How to Think About Money" and seven other books. His vast experience and contributions include serving as financial education director and teacher in various capacities, and as the personal finance columnist for The Wall Street Journal. Mentioned on the show: HumbleDollar: Home Humble Dollar - The C Word NY Times - A Money Guru Bet Big on a Very Long Life. Then He Got Cancer. Washington Post - Opinion Living was easy. Dying is harder. Living Will and Durable Power of Attorney: Frequently Asked Questions Wills & Funerals Archives - Clark Howard Have a Kid in College? You Need These Legal Documents in Place Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Recently Clark discussed how appealing auto insurance claims can lead to big savings. The same holds true for health insurance - and now there’s a tool to help you make a successful appeal of a denied claim. Also today, HOAs can be very controversial. Clark shares a story with a lesson about a ridiculous action by an aggressive HOA. Appeal Health Insurance Denials: Segment 1 Ask Clark: Segment 2 HOA Pros & Cons: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Should You Do if Your Insurance Claim Is Denied? Fight Health Insurance uses AI to appeal claim denials How to Freeze Your Child's Credit How Can I Make Freezing a Young Person's Credit Less Risky? [The Washington Post] To beat the heat, an Arizona man offers free water. His HOA is fining him. How To Buy a House in 9 Steps Who Should Consider Setting Up a Trust? Should You Sell or Stay Put in the Stock Market? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also in this episode, many people are wary of increasing automation in vehicles, but there’s a vital upside to this new technology. Clark Stinks: Segments 1 & 2 Automated Vehicle Safety: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Big Change to the Sam's Club Rewards Program Why Clark Is Prepared To Break His 'No Debit Cards' Rule What Is Umbrella Insurance and Do You Need It? Clark,com - CELL PHONES 401k Fees: How Much is Too Much? Liability vs. Full Coverage: Which Auto Insurance Do You Need? Cars talking to one another could help reduce fatal crashes on US roads Should I Create an E-Verify.gov  Account To Lock My Social Security Number? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Mortgage rates are a main concern for prospective home buyers, but Clark has other important considerations that make a huge difference in how much you’ll pay over time.   Also, according to the Journal of Alzheimer’s Association, in addition to being the fourth largest cause of death for people age 70 and older in the U.S., dementia costs an estimated $80 billion per year. The good news is - there are preventative steps we can all take. Shopping A Mortgage: Segment 1 Ask Clark: Segment 2 Preventing Dementia: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Get a Mortgage in 8 Steps How To Buy a House in 9 Steps Find and dispute errors on your credit report Submit a complaint | Consumer Financial Protection Bureau Dementia risk factors preventable – addressing them could reduce dementia rates by 45% The Best Places To Buy Hearing Aids How to Freeze Your Child's Credit How To Spot, Avoid, and Report Fake Check Scams Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Did you hear about the clever woman who sent an AirTag to herself to catch a mail thief? These devices are proving handy for a lot of reasons. Also, what is the best energy source we have in the United States? That’s a trick question. Clark explains.  Tracking Devices: Segment 1 Ask Clark: Segment 2 American Power Production: Segment 3 Ask Clark: Segment 4 Mentioned on the show: California woman fed up with stolen mail sends Apple AirTag to herself to catch thief Best 529 College Savings Plans By State What To Do With a Lump Sum, Inheritance or Windfall What Are Index Funds? 10 Ways To Save Money on Car Insurance WSJ: More Th an 40% of World’s Electricity Came From Zero-Carbon Sources in 2023 How To Get a Free Credit Report / How To Monitor Your Credit Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should You Make Your Child an Authorized User on Your Credit Card? How To Buy a Used Car Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares two creative ways to save money on travel. Speaking of travel, do you have vacation time remaining this year?  Clark discusses the importance of getting away!  Car & RV Rental Deals: Segment 1 Ask Clark: Segment 2 Vacation Time: Segment 3 Ask Clark: Segment 4 Mentioned on the show: One Way Specials | Cruise America How To Find Cheap Flights in 3 Easy Steps FCC.gov- File A Complaint Companies are budgeting billions for an employee benefit that's increasingly unused Vacation Tips for Anxious Workaholics Best Cash Back Credit Cards With No Annual Fee in 2024 Credit Cards That Can Beat 2% Cash Back on Everyday Purchases Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Mortgage questions are up since the Fed Rate cut. Clark discusses what to expect with interest rates, and other factors that figure into cost effective strategies for home buyers and those considering refinancing. Also, it’s not too early to start thinking about the holidays and your budget. What to expect from retailers in terms of October & November deals and seasonal hiring. Mortgage Update: Segment 1 Ask Clark: Segment 2 Holiday Outlook: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mortgage Refinance Calculator Saudi Arabia ready to abandon $100 crude target to take back market share 4 Things To Know Before You Buy a Digital TV Antenna Clark.com Streaming Channel Tool Clark.com Guide to Best Streaming Services for 2024: Every Option Explained How To Watch Local Channels Without Cable 4 Things To Know Before You Sign Up for Sling TV Best Free Streaming Services in 2024: Movies and TV for Cord Cutters 9 Things on Deep Discount in October Has Clark Enjoyed Moving From a House to a Condo? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, the tourism industry has been on a rollercoaster since the pandemic, with revenge travel peaking this past summer. Overwhelmed, Europe has been dishing out some backlash against tourists. So Clark has “zig-zag” advice for planning your next overseas adventure.  Clark Stinks: Segments 1 & 2 Destination Considerations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 529 Withdrawal Timing: Why Distributions Must Match Expenses Best 529 College Savings Plans By State How Much Is Too Much When It Comes to Retirement Savings? Why Clark Says You Should Not Buy a Condo in Florida Right Now What Does Clark Think About the New Real Estate Rules? Clark Deals - Today's Best Deals of the Day Is an HSA the Best Way To Save for Future Medical Expenses? Upside App Review: 6 Things To Know Before You Sign Up 7 Money Mistakes You Might Be Making at the Gas Station Medi-Share & other health care sharing ministries: What you need to know before signing up Finding & using HSA-eligible plans Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode - Clark recently saw a quote from one of the stars of “Shark Tank” about how much we waste money on daily habits, offering a new way to think about spending categories to locate areas where you can - Spend Less. Also, biometrics are clearly here to stay, and they can be a big positive for security. But what are you willing to give up, and how secure is your secure information?  Daily Spending: Segment 1 Ask Clark: Segment 2 Biometric Security: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Keep Old Credit Card Accounts Open My 7 Rules for Using Credit Cards - Clark Howard TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? CLEAR Brings TSA Pre-Check Enrollment to 6 More Airports Why You Should Consider Applying for Global Entry Right Now Pay-Per-Mile Insurance: Is It Worth It? Mile Auto Insurance: A Firsthand Review Metromile Insurance Review: 6 Things To Know Best Airline Credit Cards for 2024: Are They Right For You? Are Airline Miles Worth It? Credit Karma Review: Free Credit Score and More at Your Fingertips How to Freeze Your Credit With Experian, Equifax and TransUnion How To Monitor Your Credit  /   How To Get a Free Credit Report Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

New vehicle pricing is down. But the overall cost of ownership is up and AAA has the numbers. The daily cost difference between vehicles will blow your mind. Also, new data charts life expectancies compared to healthcare spending per capita. Clark looks at how the U.S stacks up compared to other countries.  New Cars: The Cost Of Ownership: Segment 1 Ask Clark: Segment 2 U.S Healthcare Spending: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Report: The Surprising Cost of Owning a New Car Should I Buy a New or Used Car: Which Is Better? (Clark.com) Reduce Wildfire Risk to Your Home, Business | FEMA.gov Should I Put Extra Cash Toward a 6.7% Auto Loan or My Emergency Fund? Charted: Life Expectancy vs. Health Spending Per Capita ChexSystems.com Home Page Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit Why You Should Never Mail a Check Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

When it comes to medical bills, ask and you shall receive a discount - in many cases! Clark shares the success stats on some strategies to be aware of when you open that medical bill. Also - the FBI has issued warnings about a serious crime called ‘Jugging’ spreading across the country. What to know to protect yourself.  Dealing With Medical Bills: Segment 1 Ask Clark: Segment 2 ATM Safety Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Got an unaffordable or incorrect medical bill? Calling your hospital billing office can get you a discount We analyzed nearly 2 million GoFundMe campaigns. This is what they don't tell you     wkfr.com: FBI Warning Michigan Residents of New Crime Trend Called Jugging FBI warns about ‘bank jugging’ robbery trend 7 Most Common Financial Regrets Why parents should never cosign a student loan They Turned 18 and Immediately Had a Credit Score Over 700 Should You Make Your Child an Authorized User on Your Credit Card? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Buying a used car can be the wild, wild west. There are many pitfalls to be aware of, and brands to target because of their reliability. Clark shares Consumer Reports reliability ratings. Also, there’s real opportunity around the country for renters to pay less if you're willing to shop. And at renewal time, many landlords are offering rewards for paying rent on time and other gimmicks to retain your lease. But are these rewards worth it?  Buying A Used Car: Segment 1 Ask Clark: Segment 2 Apartment Hunting & Renewal Advice: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Toyota is most reliable used vehicle brand and it isn't even close Which Brands Make the Best Used Cars? - Consumer Reports Report: Top Vehicles Most Likely To Last 250,000 Miles How To Buy a Used Car (Clark.com) / FedNow Service Fidelity Investments Review: Pros & Cons What Is a Good Credit Score? / Credit Score Guide Pay Your Rent, Get 2% Cash Back: Landlords Join Craze for Rewards - WSJ Free rent and free parking: Landlords are throwing in sweeteners Apartment rents hit a post-pandemic milestone — and more landlords are sweetening their deals Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, auto insurance rates increased by almost 20% last year. Will these increases continue? Clark explains how we got here, the state of the industry, and what you can do to keep costs down. Clark Stinks: Segments 1 & 2 Auto Insurance Industry Changes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Buy Additional Insurance From a Rental Car Company? Scam Alert: Think Twice Before Scanning QR Codes What Is Umbrella Insurance and Do You Need It? 10 Ways To Save Money on Car Insurance Car Insurance Rates Could Jump Over 50% in Some States This Year How to Shop for Lower Car Insurance Mile Auto Insurance: A Firsthand Review Can a Patient Advocate Help With Your Medical Bills? First, see if you can get your medical bill forgiven Best 529 College Savings Plans By State What's the Best Way To Send Money Overseas? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has tips for mortgage and other loan shoppers, including advice about credit inquiries, and the importance of OptOutPreScreen in your life. Also, when it comes to establishing credit, it’s important to get it right the first time. Clark shares credit building know-how for young adults & college students. OptOutPreScreen: Segment 1 Ask Clark: Segment 2 Establishing Credit: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The trigger effect: Homebuyers face another challenge when applying for a mortgage 4 Ways To Stop Junk Mail-Clark.com Mortgages Archives - Clark Howard How To Dispute an Error on Your Credit Report and Win Ask Clark: Is the 4% Retirement Rule Still Accurate? [The Washington Post] First credit cards can make or break you. Here’s what you need to know. Petal Card Review: A Good Option for First Credit Card? Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit Best Credit Cards for Students: Top Picks for 2024 A Simple Way To Help Your Kid Build Credit How To Switch Banks in 4 Simple Steps Credit Union Locator - NCUA Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, a warning about hotel frequent stay programs. Hotel points have been significantly devalued. Clark breaks down who should be brand loyal and who should not bother. Also, Clark has an update on something he’s talked about on the show - laundry detergent sheets. So do they work? Hotel Rewards Downgraded: Segment 1 Ask Clark: Segment 2 Update: Laundry Detergent Sheets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ: The Loyalty Reward Downgrade Has Come for Hotel Guests Best Travel Credit Cards: Top Rewards Picks for 2024 Cancel for Any Reason Trip Insurance: Should You Buy It? The Platinum Card® from American Express Review 2024: Is It Worth It? Why Laundry Detergent Sheets Are a Waste of Money Is It Ever OK To Co-Sign a Loan With a Family Member? New Report: The Safest Cars for Teens / Safe vehicles for teens IIHS, Consumer Reports name safe, affordable vehicles for teens Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - we are going back to basics on saving. Recent stats are cause for concern about consumer spending and our average saving rate. Also, there’s a surge in Ponzi schemes stealing hundreds of millions from would-be investors. Clark relates real accounts of recent schemes and the red flags to look out for.   Saving-First And Automatically: Segment 1 Ask Clark: Segment 2 Ponzi Schemes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans’ Savings Rate Plummets Amid Summer Spending How To Save Money: Spend Less & Build Your Savings Using Cellular Data Internationally: Buying a Local SIM Card Roamless: Global eSIM for Travel Internet, eSIM App Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons) https://duckduckgo.com/ Thinking about rooftop solar? 4 things to consider and how to protect yourself How Solar-Friendly Is Your State? We Scored Them All Best Travel Credit Cards: Top Rewards Picks for 2024 When Interest Rates Go Down, the Hucksters Spring Up - The Wall Street Journal. Brothers, SEC reach a deal in alleged scheme Brothers accused of operating $61M Ponzi scheme Receiver searching for assets in alleged Ponzi scheme $300M Ponzi Scheme Prompts Freezing Of Assets For ATL Businessman: SEC FTC and Florida Act to Stop ‘Trucking Automation’ Scam RivX That Took Millions of Dollars From Consumers Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275  Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark discusses the two main problems with gift cards and what one state is trying to do to prevent gift card scams. Also in this episode, the scourge of ATM fees. Learn where they are the highest, and how you can avoid paying them. Gift Card Problems & Reforms: Segment 1 Ask Clark: Segment 2 Avoiding ATM FEES: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Gift Card Scams | Consumer Advice / Gift Cards - Clark.com The Nation’s First Law Protecting Against Gift Card Draining Has Passed. Will It Work? TPG's guide to understanding EU261 flight compensation How to get compensation for delayed or canceled flights 5 of Clark Howard's Most Extreme Frugal Hacks Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now Costco Travel: 5 Things To Know Before You Book Booking a Cruise? Here Are 5 Ways To Do It for Less Cancel for Any Reason Trip Insurance: Should You Buy It? This Mistake at the ATM Could Be Costing You More Than $248 a Year New York Post: ATM fees hit record high in US — cities where you’ll pay the most Cash machines now cost more than ever to use Paying money to get your own cash: Some big retailers charge for cash-back requests How To Avoid ATM Fees Credit Union vs. Bank: What's the Difference? Automatic Bill Pay: How It Works and How To Do It Safely 6 Things To Know Before Contacting the National Foundation for Credit Counseling Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark clears confusion surrounding new rules with real estate agent commissions for home buyers and sellers.  Clark Stinks: Segments 1 & 2 New Rules On Real Estate Agent Commissions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Want job security in this uncertain market? A surprising trend is paying off Pronounce Names What Is an Annuity, and Why Does Clark Think They Stink? WSJ - The New Etiquette of Negotiating With Your Real-Estate Agent Buying a house just got more complicated. Here's what you should (and shouldn't) do when working with a broker NYTimes: Buying or Selling a Home? The Rules Have Changed. How buyers and sellers are navigating real estate’s seismic shake-up Big changes to how you buy and sell a home go into effect today: What you need to know New rules could reshape homebuying. Here’s what it means for you. The Only Reason You Should Make an Improvement to Your Home How and When To Refinance Your Mortgage: A Step-By-Step Guide Costco Is Raising Membership Fees in September Is a Costco Membership Worth It? 5 Reasons Sam's Club Is Better Than Costco Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? CELL PHONES - Clark.com Phone Plan Finder – Find the Best Plan For You - Clark.com Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark hosts digital advisor Kim Komando to discuss online security including passwords, followed by answers to some tech questions. Komando On Tech Security: Segment 1 Clark Asks Kim Your Tech Questions: Segment 2 Mentioned on the show: 5 Tips To Protect Your Digital Privacy Keeper Security: Password and Secrets Management 1Password: Top-Rated Password Manager for Personal … Dashlane: Password Manager for Home, Mobile and Business What are passkeys? Everything you need to know about the death of passwords California Consumer Privacy Act (CCPA) What is GDPR, the EU's new data protection law? Appy Pie  /  Thunkable  /  Bubble: The full-stack no-code app builder DuckDuckGo — Privacy, simplified. Startpage - Private Search Engine. No Tracking. Brave: The browser that puts you first The greenest browser on Earth - Ecosia Proton Mail: Get a private, secure, and encrypted email account Hushmail - Encrypted Email, Web Forms & E-Signatures StartMail: Private, Secure and Encrypted Email You Can Trust Phone Plan Finder – Find the Best Plan For You - Clark.com Tech news, tips and tricks | Komando.com Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Consumers have demanded lower prices and we’re seeing results! Manufacturing is slowing due to oversupply in many categories. Clark tells you where prices are trending down, and which retailers have responded to consumer signals in the marketplace with lower prices. Also today, with the arrival of fall sports - a big warning about something that could make your money disappear if you aren’t careful. Buying Opportunity: Segment 1 Ask Clark: Segment 2 Sports Gambling Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: U.S. Manufacturing Activity Remains Weak Ahead of Expected Fed Rate Cuts NY Post: Dollar General shares plummet as Walmart, Target take bite out of profit Axios: 1 big thing: Dollar store pain Dollar General’s stock is cratering. Here’s what it says about the economy NYTimes: Consumers Are Still Bargain Shopping, Macy’s and Target Reports Show Target slashed prices. It paid off / Axios: Learnings from earnings Axios: Price Cuts Are Back: Doling out discounts Sales at stores are suddenly surging in the US economy’s latest show of strength Americans are still shopping. They’re just going to Walmart How To Open a Roth IRA Nanny Taxes and Payroll Services | Poppins Payroll NYTimes: We All Live in Vegas Now Axios: Sports betting replaces stocks What is Gambling Disorder? National Council on Problem Gambling: Home Gambling Addiction and Problem Gambling How gambling affects the brain and who is most vulnerable to addiction Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

Team Clark is getting many questions about the recent massive data breach, possibly the second largest breach in history and one that includes social security numbers. Find out what you need to do about the National Public Data Breach. Also, Clark discusses how there’s a right way and a wrong way for companies to implement dynamic pricing. Evidently, some companies are taking the practice way too far. Data Breach Guidance: Segment 1 Ask Clark: Segment 2 Dynamic Pricing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: National Public Data Breach: One of the Largest Data Breaches in History Affects Billions DATA BREACH GUIDE - Clark.com Credit Lock vs. Credit Freeze: What's the Difference? How to Freeze Your Credit With Experian, Equifax and TransUnion LA Times: Massive data breach that includes Social Security numbers may be even worse than suspected NYTimes: What to Know About the Latest Social Security Number Breach Nearly 3 Billion People Hacked in National Public Data Breach. What You Need to Know Seven Things to Do Right Away If You're a Victim of a Data Breach Data broker suggests fraud alerts after Social Security number breach [The Washington Post] Our data isn’t safe. Resist giving it up whenever you can. E-Verify: Home DOT-File a Consumer Complaint Submit a complaint | Consumer Financial Protection Bureau [The Washington Post] Anger over Oasis ticket prices sparks U.K. review of dynamic pricing Companies love dynamic pricing... customers not so much World's Largest 3D-Printed Neighborhood Is Almost Finished In Texas These concrete homes want to take over your subdivision Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark is out on one of his adventures today, returning tomorrow. Wes Moss, a fiduciary financial advisor and friend of Team Clark, joins Christa to answer your investing questions and discuss two important retirement topics. The stock market can have major swings. Unfortunately, the volatility can cause us to panic and take money out in response. However, numbers show that missing the best 10 days in any given year over a 25-year period can reduce your return from 9% to under 6% – and it gets worse the more time your money is not invested! CERTIFIED FINANCIAL PLANNER® Wes Moss, a managing partner with Capital Investment Advisors, joins Christa to discuss the financial consequences of taking money out and why it’s important to stay calm in any market. Also, the stock market is a marathon, but how do we buffer ourselves from the stress of risk? Wes talks about the “dry powder” principle. It can help us be better investors and help keep our wallets safe! Plus - Is waiting to take Social Security wise or is it a “scam”? Missing Out on the Stock Market: Segment 1 Ask Wes: Segment 2 The Dry Powder Principle: Segment 3 Ask Wes: Segment 4 Mentioned on the show: How Much Cash Do You Need To Survive A Volatile Market? Wes Moss, Capital Investment Advisors Should You Sell or Stay Put in the Stock Market? What Is an Annuity, and Why Does Clark Think They Stink? Find Freedom In Retirement With These Core Financial Principles When Is the Best Time To Collect Social Security? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, news for first time homebuyers that changes Clark’s long time advice.  Clark Stinks: Segments 1 & 2 Buying A New Vs Used Home: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Does Escrow (in Escrow) Mean, and How Does It Work? What Clark Says You Should Do With Your I Bonds This Year New rules could reshape homebuying. Here’s what it means for you. Clark.com - CELL PHONES Best Phone Plans: Get Exactly What You Want at the Cheapest Price Phone Plan Finder – Find the Best Plan For You - Clark.com Zelle scams prompt federal probe into whether banks are doing enough to protect customers Online Defensive Driving Course From AARP Driver Safety Defensive Driving Courses & Traffic School | DriveSafe Online® New homes are getting smaller. That could be big news for first-time buyers Axios: New houses now cost less per square foot than old houses Axios: End of hallways Should You Respond to Class-Action Lawsuits? What Is an ETF? Axios: How action against hidden junk fees affects your wallet Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark is out today, but returns tomorrow in time for Clark Stinks. Back by popular demand is Wes Moss, a fiduciary financial advisor that Clark and Christa have known for years. A recent article from the Wall Street Journal took a shot at two time-honored investment strategies: the 60/40 portfolio and the 4% rule. Will these two financial principles work in the future? CERTIFIED FINANCIAL PLANNER® Wes Moss, a managing partner with Capital Investment Advisors, joins Christa to discuss the purpose of these fundamentals and explains why they still belong on the Mt. Rushmore of finance. 60/40 Portfolio: Segment 1 Ask Wes: Segment 2 4% Rule: Segment 3 Ask Wes: Segment 4 Mentioned on the show: Mistakes Investors Might Make When Following The Herd A Time-Honored Strategy Puts Your Retirement at Risk of Financial Ruin Wes Moss, Capital Investment Advisors What Is a Solo 401(k) and How Does It Work? What Is a SEP IRA and Who Is Eligible? What Is a SIMPLE IRA and How Does It Work? What A 6% Withdraw Rate Could Mean For Your Retirement How to Start Investing: 10 Steps for Beginners What Is an Annuity, and Why Does Clark Think They Stink? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

At least one third of Americans are worried about not being able to pay their bills. Clark has long been concerned about influencers convincing followers to spend money on products they’re endorsing. Now there’s a new trend on social media from a new wave of influencers, and it’s great. Also, there’s good news on gas prices. Spending Less Is Trending: Segment 1 Ask Clark: Segment 2 Gas Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Tired of Influencers, TikTok Users Try ‘Underconsumption Core’ to Cut Costs 39% of Americans worry they can’t pay the bills Rein in your retail spending with these tips How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment Certificate of Deposit (CD): What Is It, Best Places To Open One Air Travel Complaints | US Department of Transportation DOT - File a Consumer Complaint Cheap Flights, Airline Tickets & Airfare Alerts | Going Warning: Be Suspicious of Fraud Alerts on Your Financial Accounts Bluebird American Express Card Review 2024 What's the Best Savings Account for a Teenager? Best Prepaid Cards: Top Debit Card Alternatives The Silver Lining of a Slowing Economy: Cheaper Gas - The WSJ How To Find Phone Plans That Offer Lifeline Discounts AT&T, AST SpaceMobile Announce Commercial Agreement The Best Telecom Services for Landlines Elliott Report: Home Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The decision to own a pet should not be taken lightly, with veterinary hospital bill shock causing great financial strain on pet owners. Clark explains the market forces at work, and where to look for more affordable pet care. Also, a special warning if you or someone you know is considering buying a condo in Florida. There’s been a pivot in the real estate market.  Pet Care Costs: Segment 1 Ask Clark: Segment 2 Alert: Buying A Florida Condo: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Survey: 91% of dog owners have experienced financial stress over the cost of pet ownership Is Pet Insurance Worth It?  /  5 Best Places To Buy Pet Medicines Fidelity Rewards Credit Card Review: Invest with 2% Cash Back Target Date Funds: Clark's Favorite Retirement Investment Why Clark Says You Should Not Buy a Condo in Florida Right Now South Florida in midst of condo crisis as rising HOA fees lead to surge in listings: ‘Don’t know how I’m going to stay’ What Credit Cards Does Costco Accept? Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards Why You Should Never Mail a Check Top 7 Ways To Shop Safely Online Virtual Credit Cards: An Online Security Measure Worth Taking? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also - A recent stat reveals that unhappy workers may reduce Global GDP by up to 9% - so what do workers want? Clark discusses “enlightened self-interest” and the vital importance of valuing employees.  Clark Stinks: Segments 1 & 2 Boss Advice About Workers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Indexed Universal Life Insurance Policies a Good Option or a Scam? Why I Think Medicare Advantage Plans Stink - Clark Howard Optical Reviews - Clark.com How Much Life Insurance Do I Need? How To Buy Term Life Insurance in 7 Easy Steps Earn College Credit With CLEP 3 strategies to help college students pick the right major the first time around and avoid some big hassles Is college worth it? Poll finds only 36% of Americans have confidence in higher education Nearly half of U.S. workers would take a pay cut to avoid being tracked by their boss Should you look for a new job if you're given a performance improvement plan? Why more Gen Z workers are being placed on performance-improvement plans Unhappy workers may reduce global GDP by as much as 9%, Gallup estimates Fidelity Investments Review: Pros & Cons Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s an allegation that companies are buying and using consumer data to charge individual, discriminatory prices. Clark discusses how to get around the loyalty tax you may unknowingly be paying. Also today, there is a trend in weddings to rethink the fantasy event and scale down to have funds for other priorities. Clark shares ideas to help couples save on their special day.  Privacy & The Price Of Loyalty: Segment 1 Ask Clark: Segment 2 Save More On Weddings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: You’re not going crazy — you may actually be paying higher prices than other people Are Indexed Universal Life Insurance Policies a Good Option or a Scam? Best 529 College Savings Plans By State Can I Sell My Life Insurance Policy? Consumer Federation of America - Insurance The CFA’s Rate of Return (ROR) Program | Evaluate Life Insurance Kayak now displays Southwest Airlines flights - The Points Guy Brides are having brunch weddings, midweek destination nuptials and selling tickets, saving $70K on costs [The Washington Post] The American wedding is shrinking Clark Howard's Guide to Saving Money on Your Wedding Weddings - Clark.com Should You Ever Lease a Car? Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

QR codes are everywhere, and criminals have found a way to exploit them. Approach with caution and know what to look out for. Also, Clark recently got caught up in a rental car toll issue and tells you how to avoid the toll fee traps that can come with car rentals.  QR Code Scams: Segment 1 Ask Clark: Segment 2 Rental Car Toll Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 'I'm done scanning': Woman warns of QR code scam that was sent to her doorstep Got a barcode from your utility company to make a payment? That’s a scam Why You Should Never Mail a Check Ascensus Acquires Vanguard’s Small Business Retirement Plans What Can I Do if My HOA Is Doing a Poor Job? NYTimes: Finally, a Way Around Exorbitant Rental Car Surcharges for Tolls How to Avoid Rental Car Toll Fees Drivers Beware: Watch Out for This Toll Notice Scam Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet The Best Unlimited Hotspot Plans Best Phone Plans: Get Exactly What You Want at the Cheapest Price Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares some tough new stats about American credit card debt. If you are in debt, you are definitely not alone. Know the strategies that can set you on a path to freedom from debt.  Later, insurers are exploring some interesting ways to cut down on the critical problem of distracted driving. Clark has his own way of banishing phone use while behind the wheel. Credit Card Debt: Segment 1 Ask Clark: Segment 2 Phone Addiction & Distracted Driving: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Credit card debt: Inflation, interest rates have more Americans carrying balances over Axios: Stretched consumers Clark Howard's 2024 Credit Card Debt Elimination Strategy 6 Things To Know Before Contacting the National Foundation for Credit Counseling Xfinity Deal: Save Up to $1,500 on Internet and Cell Phone Service Cell Phone Plans  /  Streaming TV  /  Internet Archives - Clark Howard How Many Credit Cards Should I Have? My 7 Rules for Using Credit Cards - Clark Howard Best Airline Credit Cards for 2024: Are They Right For You? Gamification gets drivers to put down their phones, study finds Pay-Per-Mile Insurance: Is It Worth It? Mile Auto Insurance: A Firsthand Review How to Shop for Lower Car Insurance Homeowners Insurance Archives - Clark Howard 5 Steps To Getting a Good Deal on a Hotel Room Should You Ever Book a Nonrefundable Hotel Room? 5 Things You Should Re-Shop To Save Money Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

An important lesson for new investors: Clark explains the penny stock pump & dump rip off - a worsening problem in the digital age. Also, as the number of robo calls decline, “robo texts” are increasing and come in many forms, looking to get at your identity and into your wallet. Know how to spot scam texts and hit DELETE.  Penny Stock Rip Off: Segment 1 Ask Clark: Segment 2 Beware Of Scam Texts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Penny Stocks Are More of a Problem Than Ever, Clark Warns Best 529 College Savings Plans By State Roth vs. Traditional 401(k): What's the Difference? How To Sell, Cancel or Get Rid of Your Timeshare (Clark.com) “When are you free for coffee?” Long lost friend or a scammer trying to get you to respond? How To Recognize and Report Spam Text Messages Best Free Password Managers: 10 Top Picks How to Avoid Online Scams and What to Do if You Become a Victim How To Prevent, Report and Repair Identity Theft The Worst Kind of Identity Theft (and How To Prevent It) Should You Respond to Class-Action Lawsuits? (Clark.com) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, most states are still under costly monopoly power control for energy and those costs continue upward. But you are not powerless! In addition to the payback of lower bills, there are tax credits for energy efficient home improvements.  Clark Stinks: Segments 1 & 2 Home Energy Tax Credits: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What's the Best Way To Rent a Car Before You Buy It? Is Turo Legit? 5 Things To Know Before You Use It 13 Places To Listen to Free Music Online- Clark.com Why You May Want To Get a Home Generator How Should I Donate a Non-Working Vehicle? How to Sell Your Car in 5 Steps-Clark.com What Is the Best Platform To Sell My Car?-Clark.com ZIPAIR Official Website Costco vs. Sam's Club: What Is the Difference? 6 Pharmacies Offering $4 Prescriptions Axios: How U.S. homeowners can score tax breaks and other Biden climate cash [The Washington Post] Americans tapped $8 billion in tax credits on home energy upgrades How To Save Money on Utilities How to Book the Best and Safest Airbnb Cheapest Way to Rent a Car: Expert Tips 5 Things You Should Re-Shop To Save Money Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has updated information if you are thinking of selling a car, with new direction on where to get fair market value pricing.   Also, a recent ruling means Amazon has to make a big change to how they handle 3rd party sellers of unsafe items.  Selling Or Trading In A Car: Segment 1 Ask Clark: Segment 2 Amazon Recall Ruling : Segment 3 Ask Clark: Segment 4 Mentioned on the show: This Car Site Offers Top Dollar to Sellers. Its Stock Is a Wall Street Favorite How to Sell Your Car in 5 Steps-Clark.com What Is the Best Platform To Sell My Car?-Clark.com Jobs Archives - Clark Howard Amazon must recall unsafe products sold by independent sellers, a consumer agency says USA TODAY: Federal agency finds Amazon responsible for recalling dangerous items Amazon can now be held responsible for dangerous products sold on its platform How and When To Refinance Your Mortgage: A Step-By-Step Guide Visible Adds New Features to Visible+ Plan Visible Review: 5 Things To Know Before You Sign Up Using Cellular Data Internationally: Buying a Local SIM Card Phone Plan Finder – Find the Best Plan For You - Clark.com Live TV Streaming Channel Tool Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Humans are prone to “static analysis” - the idea that if an attempted solution didn’t work, it never will. But innovations prove otherwise and Clark has a real life example in the vital area of water shortages. Also, many Americans, especially the elderly, are taken advantage of with technology schemes. Clark discusses a new fintech offering strategies to prevent this now rampant fraud. Try Try Again: The Power Of Innovation: Segment 1 Ask Clark: Segment 2 A Fintech Takes On Fraud Prevention: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Spain Is Thirsty. Here’s How It Gets Water. How and When To Refinance Your Mortgage: A Step-By-Step Guide 6 Things to Know About Refinancing Your Mortgage Mortgage Refinance Calculator - Clark Howard This banking fintech for older Americans is launching a new feature to fight AI fraud How To Switch Phone Carriers: 9 Easy Steps Phone Plan Finder – Find the Best Plan For You - Clark.com Employee Stock Ownership Plan (ESOP): What It Is, How It Works Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, choosing the right phone plan could save you up to $1500 a year. Clark introduces our new Phone Plan Finder tool to help you cut through the confusion and make that choice much easier. Then Clark discusses a great new retirement savings option for part-time and self-employed workers. Also - It’s vital to understand your liability risks and insure accordingly, which for many, includes umbrella insurance. New Roth Options: Segment 1 Ask Clark: Segment 2 Liability Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Phone Plan Finder – Find the Best Plan For You - Clark.com Changes in Retirement Savings Rules to Know Before Year’s End - WSJ 6% of Your Paycheck Is Becoming the New Standard for 401(k) Saving The 3 Biggest Mistakes You Can Make With Your 401(k) The 401(k) Rollover Mistake That Costs Retirement Savers Billions - WSJ 401(k) Rollover: How To Roll Over a 401(k) (Clark.com) What Is a SEP IRA and Who Is Eligible? What Is a SIMPLE IRA and How Does It Work? Certificate of Deposit (CD): What Is It, Best Places To Open One What Is a Roth 401(k) and How Does It Work? Rollovers From a 529 Plan to Roth IRA: What to Know Umbrella Insurance Covers Worst-Case Scenarios. There Are Now More of Them. - WSJ What Is Umbrella Insurance and Do You Need It? (Clark.com) 6 Things To Know Before Contacting the National Foundation for Credit Counseling Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A recent FTC settlement validates Clark’s long-held advice on car warranties. Know how the game is played including “bust outs”, and how to best proceed if you wish to purchase an extended warranty on a vehicle. Also, restaurants are getting crushed by costs, so they are getting creative with ways to serve us fresh food at a discount.  Auto Warranty Schemes: Segment 1 Ask Clark: Segment 2 Fresh Food Vending: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Think twice before buying a car-repair contract. FTC settlement shows why. FTC says CarShield didn’t cover car repairs as advertised Should You Buy an Extended Warranty on Your Car? (Clark.com) Used car prices plunging: EVs hit the hardest Electric Vehicle Tax Credits 2024: What You Need to Know Need a Cheese Plate at 4 a.m.? There’s a Vending Machine for That. - WSJ Axios: "Waiter, check please?" Nah, just use an app How thousands of Americans got caught in fintech’s false promise and lost access to bank accounts Raisin Review: Can You Trust This Online Savings Marketplace? (Clark.com) Certificate of Deposit (CD): What Is It, Best Places To Open One What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Term Life vs. Whole Life Insurance: Understanding the Difference Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, an app capable of helping job seekers transfer their skills to new industries and locate positions close to home. Clark Stinks: Segments 1 & 2 Locate Contract Work: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Donating & Volunteering Archives - Clark Howard Why You Should Establish Trusted Contacts Over 11 million job seekers are using this app to find jobs in their own backyards- Hypepotamus 30 Easy Side Hustle Ideas / Sidehusl.com: Home Jobs Archives - Clark Howard Should You Get a Store Credit Card? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Rampant data breaches facilitate SIM swapping fraud - allowing criminals to usurp 2 factor authentication by stealing your phone service. Clark explains this very common form of identity theft and how you can easily prevent it. Also - Why hotels are in financial distress these days, what that means for travelers and how this calls for a new approach to booking.  Sim Swapping 101: Segment 1 Ask Clark: Segment 2 Distressed Hotels - Strategic Booking: Segment 3 Ask Clark: Segment 4 Mentioned on the show: There are 1 billion victims of data breaches so far this year. Are you one of them? - USA TODAY   SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About This form of identity theft is on the rise. Here's what to know FCC pursues rule forcing carriers to unlock phones after 60 days 5 Credit Card Mistakes To Avoid Travel Insurance: What You Need To Know Before You Buy The National Observer: Distress grows for hotel properties Help! We Had to Sleep in the Hotel’s Breakfast Room. We Would Like a $215 Refund. 5 Things You Should Re-Shop To Save Money Best Credit Cards With No Foreign Transaction Fees in 2024 - Clark.com Clark Howard's Digital Wallet Strategy for 2024 5 Money Tips To Know Before You Travel Abroad How To Plan a Trip: Clark's Best Travel Tips To Save Money Travel Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

The number one issue people are contacting Team Clark about: Buying a used car. Clark goes back to basics on how to purchase a used vehicle, so you know how to protect yourself before setting foot on a dealer lot.  Later - Antitrust lawsuits allege corporate landlord price collusion via software. What apartment renters need to know and strategies to get the best deal on rent.  Buying A Used Vehicle: Segment 1 Ask Clark: Segment 2 Apartment Rent: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Buy a Used Car (Clark.com) Should You Buy an Extended Warranty on Your Car? Online security: Our promise to you - Investor Vanguard Vanguard's Online Fraud Policy Safer Ways To Send Money NYTimes: Lawsuits Mount Over Software Used by Landlords to Set Rents Trust Pilot - Kensington Tours  /  BBB - Kensington Tours Cancel for Any Reason Trip Insurance: Should You Buy It? Best Travel Credit Cards: Top Rewards Picks for 2024 Is an HSA the Best Way To Save for Future Medical Expenses? Where Should I Set Up My Health Savings Account (HSA)? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Influenced by market noise, many struggle with financial decisions regarding their investments for the future. What is the ideal mix of stocks, bonds, domestic and overseas funds? Vanguard just came out with some new recommendations.   Also, Clark shares something that should ease your mind about the future of jobs with AI and other rapidly changing technologies.  Investment Decisions: Segment 1 Ask Clark: Segment 2 The Future Of Work: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Your 60/40 Portfolio Isn’t Safe. Inflation Is the Reason. Barron’s Clark.com - Invest & Retire Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Should You Get a Store Credit Card? Receipt Hog: 4 Things To Know About Earning Cash Back ReceiptPal Review: 5 Things To Know Before Earning Cash Back You're probably doing a job that didn't exist in 1940. Will yours exist in 2040? How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark Warns Major Changes To Credit Card Rewards Are Coming Soon 5 of Clark Howard's Most Extreme Frugal Hacks Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There are a lot of bonus offers coming from big banks right now, trying to capture multiple lines of your business. Should you go for it? Depends. Clark explains. Also - Consumers collectively seeking store brands to fight inflation is paying off. The big box retailers are battling it out with their private label items as they compete for private label dominance!  Big Bank Bonus Offers: Segment 1 Ask Clark: Segment 2 Private Label Price War: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Banks Are Offering Bigger Cash Bonuses. How to Decide if You Should Switch. - WSJ Are Money Market Funds a Safe Place To Stash My Savings? Top 10 Small Business 401(k) Plan Providers How To Open a Roth IRA / What Are Index Funds? How Walmart-owned Sam’s Club is trying to take on Costco’s private label Kirkland Walmart is opening five automated distribution centers as it tries to keep its grocery dominance Why You Should Keep Old Credit Card Accounts Open Navy Federal cashRewards Card Review: Cash Back Credit Card Should I Update My Income With My Bank or Credit Card Company? How To Monitor Your Credit How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Target has announced it will no longer accept one form of payment. Clark shares why this is a good idea, with a payment method warning for you. Clark Stinks: Segments 1 & 2 Using Checks- A Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Get an Identity Protection PIN (IP PIN) Retrieve your Identity Protection PIN (IP PIN) Where To Buy the Best Cheap Printer How to Freeze Your Credit With Experian, Equifax and TransUnion Career opportunities - Careers - About.usps.com How to Avoid Paying Vacation Rental Fees Target will stop accepting this old-school form of payment What Is Mortgage Protection Insurance and Do You Need It? 4 Insurance Policies You Actually Need (and 5 You Don't) What Is Disability Insurance and How Does It Work? Southwest Airlines Is Ending Open Seating. Here's What This Historic Change Means for You Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We’ve talked a lot recently about rising insurance rates. The car insurance industry is facing some backlash now, as consumers explore their options. Clark has advice on lowering your premiums. Also today - many people buy lottery tickets, but the odds of winning are insanely low. One couple actually hit a huge jackpot, but what happened next is a very sad story.  Save More On Auto Insurance: Segment 1 Ask Clark: Segment 2 Financial Advisors- Choose Wisely: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Fed Up With Their Car-Insurance Bills, Drivers Shift Gears - The Wall Street Journal. NYTimes: How to Rein In Rising Auto Insurance Rates 10 Ways To Save Money on Car Insurance  Mile Auto Insurance: A Firsthand Review How to Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma Review: Free Credit Score and More at Your Fingertips Should I Be Concerned That I’m Receiving Mail at My Home With Someone Else’s Name? What’s the Best Way To Exchange Dollars for Foreign Currency? And When Should I Exchange Money? Should You Buy Gold at Costco?  /  Warning: How You Should NOT Buy Gold A Couple Won the Powerball. Investing It Turned Into Tragedy. - The WSJournal. What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor How to Qualify for Medicaid: Eligibility Requirements 6 Things To Know About Series I Savings Bonds What Clark Says You Should Do With Your I Bonds This Year Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Recently there has been backlash about the use of phones by teenagers, especially at schools. Some districts and states are doing something about it. Also - restaurants are trying to bring in customers through promotions and deals, but how do you know if you are really getting a bargain? Student Cell Phone Bans: Segment 1 Ask Clark: Segment 2 Restaurant Promotions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NY Students Banned From Using Phones First Hated, Then Loved It Top 10 Small Business 401(k) Plan Providers Bottomless Fries, Floats and Broccoli. One Restaurant Chain’s Bid to Get Diners. - WSJ Why fast food value menus aren’t as good a deal as you might think How To Prevent, Report and Repair Identity Theft The Worst Kind of Identity Theft (and How To Prevent It) How to Freeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State Understanding 529 rollovers to a Roth IRA 12 Items That Can't Be Returned to Amazon Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

New statistics showing average 401K balances by generation reveal a trouble spot. Clark focuses on Gen X. Also, if you or someone you know does contract work full time or as a side hustle, Clark has important advice about taxes. Gen X Retirement: Segment 1 Ask Clark: Segment 2 1099 Tax Traps: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Average 401(k) Balance by Age Axios: Gen X savings gap    7 Best Ways to Save for Retirement in Your 50s 30 Easy Side Hustle Ideas 7 Things To Know Before You Use Zelle 6 Steps To Eliminate Credit Card Debt in 3 Years or Less Consumer Cellular Review: 5 Things To Know Before You Sign Up Lifeline Support for Affordable Communications 1099 Income: Why Prepaying Your Taxes Is More Important Than Ever if You Have a Side Hustle A Surging IRS Penalty Is Costing Americans Billions. Here’s How To Avoid It Midyear Tax Planning Strategies: Five Things to Do Now Here's Your Estimated 2024 Tax Refund Schedule What Is a SEP IRA and Who Is Eligible? When Should You Get an Accountant To Do Your Taxes? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clarkonomics with an overview of the current job market and how to be prepared. Also - Incorrect pricing has been plaguing consumers alongside inflation and may soon be remedied in some places by technology. Meanwhile, why you need to keep your eye on the price!  Job Market Update: Segment 1 Ask Clark: Segment 2 Incorrect Pricing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Axios: Labor scarcity is the new normal Companies are facing a skills-gap crisis that college alone can’t fix College credit for working your job? Walmart and McDonald’s are trying it Amazon - 9 skills training programs helping hourly employees grow their careers Amazon - Our Upskilling 2025 programs NYT - U.S. Job Growth Extends Streak, but Signs of Concern Emerge Why more layoffs could be coming in the second half of 2024 Americans are suddenly finding it harder to land a job — and keep it America's startup boom is still going strong. Here's what it means for the economy Demand for better cybersecurity fuels a booming job market What Is a Fiduciary Financial Advisor and Do I Need One? Guide to Brokerage and Investment Advisory Services at Fidelity Investments  A supermarket trip may soon look different, thanks to electronic shelf labels How To Plan a Trip: Clark's Best Travel Tips To Save Money About Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, many homeowners continue to receive unsolicited offers to buy their property. Clark discusses what you need to know about such offers, and the first step a seller should take. Clark Stinks: Segments 1 & 2 Unsolicited Home Buying Outfits: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is Umbrella Insurance and Do You Need It? Amazon set to take on Temu and Shein with new discount section What's the Best Setting for Your Thermostat During the Summer? Buy a lot of Amazon gadgets? You could get 20% off each time Stacked vs Unstacked Car Insurance Which Documents Should You Keep and for How Long? Why You Should Beware of Unsolicited Offers To Buy Your Home Beware of Unsolicited Offers to Buy Your Property Clark Deals - Laptops How and When To Refinance Your Mortgage: A Step-By-Step Guide Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re starting out August with some great news - there is something you can do for free that may help you live longer, and happier. Also - unhappy news of elderly women being ripped off by a home gutter system salesperson. Clark has an important warning for homeowners. An Attitude Of Gratitude: Segment 1 Ask Clark: Segment 2 Home Improvement Rip-Offs: Segment 3 Ask Clark: Segment 4  Mentioned on the show: Be grateful for what you have. It may help you live longer How To Find the Best Deal on Cheap Internet Service in 4 Steps Best 529 College Savings Plans By State ‘I feel cheated’: Saleswoman charges 2 elderly women over $14,000 for gutters 6 Tips for Hiring a Contractor How To Buy Term Life Insurance in 7 Easy Steps Best Term Life Insurance Companies, Plans & Coverage Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s show - more Americans are installing alarm systems to help them not only feel safe from crime, but also for protection in a fire. The alarm business has been rife with long term contracts and high monthly costs. Clark tells you how to get a deal with the same safety. Another area where costs vary wildly is prescription eyeglasses. There's a new rule that makes it even easier to get your glasses at a deep discount.  Home Security Systems: Segment 1 Ask Clark: Segment 2 The Eyeglass Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Avoid Getting Ripped Off by an Alarm Company Your Guide to DIY Home Security Systems Home Security System Ratings & Reviews How to change your name and what government agencies to notify Best Online Will Maker: 5 Free or Cheap Options What Is a Personal Loan and Should You Get One? Eyeglass Rule updates: What they mean for you The Best Places To Buy Eyeglasses Are Indexed Universal Life Insurance Policies a Good Option or a Scam? Term Life vs. Whole Life Insurance: Understanding the Difference How To Buy Term Life Insurance in 7 Easy Steps How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Inflation has curved downward affecting interest rates, presenting challenges for savers. There are great differences between financial institutions regarding savings rates. Clark discusses how to get the best rates on CDs and savings accounts, and why you NEVER allow a CD to auto-renew.  Also, Amazon is feeling the heat from Temu and Shein, and they are answering with a new competitive site.  Saving Rates Update: Segment 1 Ask Clark: Segment 2 Amazon’s New Discount Store: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 16 of the Best High-Yield Online Savings Accounts in July 2024 Best Online Banks: Free Checking and High-Interest Savings Accounts Why Big Banks Are a Bad Place for Your Cash What To Do BEFORE Your CD Expires What Is a 403(b) and How Does It Work? How a 457 Plan Works After Retirement - Investopedia What Are Index Funds? Longevity Insurance: What Is It and Do You Need It? Amazon set to take on Temu and Shein with new discount section How Higher Income Can Affect Medicare Premiums 7 Things To Know Before You Use Zelle How To Spot and Avoid Gift Card Scams Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark explains how, with the economy in slower gear, it is more important than ever to re-shop travel. The savings can be significant. Also- a warning about a common and potentially devastating scam wherein a criminal posing as a fraud specialist, is actually a specialist at committing fraud targeting bank & retirement accounts. Know what this scam looks & sounds like, and what to do when you recognize it.  Save More: Re-shop Travel: Segment 1 Ask Clark: Segment 2 Financial Impersonation Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Holiday Travel Is Booming. Why Are Airlines Doing So Badly? 5 Things You Should Re-Shop To Save Money Should You Ever Book a Nonrefundable Hotel Room? Cheapest Way to Rent a Car: Expert Tips Why You Should Never Prepay for a Rental Car Why You Should Re-Shop Your Cruise 8 Things to Know Before You Fly Spirit Airlines Elliott Report: Home Should I Tip on a Cruise? Warning: Be Suspicious of Fraud Alerts on Your Financial Accounts Got a call about fraud activity on your bank account? It could be a scammer Google Voice Verification Code Scam The Google Voice scam: How this verification code scam works and how to avoid it Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, are you paying too much for your summer soundtrack? With online music services raising prices, find out how to legally stream music for free. Clark Stinks: Segments 1 & 2 Free Music Online: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why I Think Medicare Advantage Plans Stink - Clark Howard Will Social Security Run Out? When Is the Best Time To Collect Social Security? 7 Things To Know About Costco Pharmacy 10 Ways To Save on Prescription Drugs Stash Review: How It Works, Pros & Cons 13 Places To Listen to Free Music Online Warning: Why You Should Never Buy Visa Gift Cards The One and Only Exception to Clark Howard's 'No Gift Card' Rule How To Spot and Avoid Gift Card Scams Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Be aware, falling for this hotly touted investment pitch can burn your wallet - What to know about Private Placements. Also, when is a bank not a bank? Hundreds of millions of dollars have vanished from multiple fintechs, money that was deposited via the fintech apps. Clark did some digging and lets you know what he’s found out.  Beware Of Private Placements: Segment 1 Ask Clark: Segment 2 Fintech Missing Money: Segment 3 Ask Clark: Segment 4 Mentioned on the show: A Real-Estate Fund Industry Is Bleeding Billions After Starwood Capped Withdrawals - The WSJ Can a Patient Advocate Help With Your Medical Bills? How Should I Donate a Non-Working Vehicle? 6 things you need to know before donating your used vehicle NYTimes: What Happens When Your Bank Isn’t Really a Bank and Your Money Disappears? How thousands of Americans got caught in fintech’s false promise and lost access to bank accounts Chase’s plan to charge for checking accounts—and how consumers might respond Report: The #1 Internet Provider in America Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet What Is Umbrella Insurance and Do You Need It? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Semper Paratus! Clark discusses the CrowdStrike outage and what you can do to prepare for any future tech outages. Also - Even as the economy strengthens, financial struggles are real and persistent for many, made worse by today’s high interest rates. Use Clark smart strategies for handling credit card debt. Crowdstrike Lesson: Segment 1 Ask Clark: Segment 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Global Microsoft CrowdStrike outage creates issues from Starbucks to schools to hospitals NYTimes: How to Guard Against Scams Tied to the CrowdStrike Crash How a faulty CrowdStrike update crashed computers around the world Massive IT outage spotlights major vulnerabilities in the global information ecosystem Recovering from the global tech outage could be a long, arduous process Largest IT outage in history expected to barely register in the economy Air passenger rights - Your Europe 7 Things To Know About Costco Pharmacy American Borrowers Are on Shakier Ground. These Charts Show Why. WSJ Credit Union vs. Bank: What's the Difference? Clark Howard's 2024 Credit Card Debt Elimination Strategy Credit Score Guide Should I Buy Additional Insurance From a Rental Car Company? Cheapest Way to Rent a Car: Expert Tips Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Some home buyers are using mortgage products to make houses more affordable, but these types of mortgages can be very dangerous to your wallet. Also, it’s time to do back to school shopping for many parents. Clark shares tips for saving money on everything from supplies to clothes to computers. Dangerous Mortgages: Segment 1 Ask Clark: Segment 2 Back To School Shopping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: More people are taking a mortgage over 40 years – what this means for young people’s finances Mortgages Archives - Clark Howard How To Open a Roth IRA Clark Deals - Tablets / Clark.com - Cell Phone Guide Best 2% Cash Back Credit Cards: 9 Options in 2024 Why Does Clark Howard Wear 2 Watches? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Changes are happening at 2 of Clark’s favorites retailers, Costco & Sam’s Club, that members need to know about. Also, Clark talks about why there are an increasing number of brownouts and blackouts across the country and how to be prepared without spending a fortune. Clark Deals - Generators Changes At Costco & Sam’s Club: Segment 1 Ask Clark: Segment 2 Be Prepared For Power Blackouts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New York Post: Sam’s Club members threaten to jump to Costco after wholesale giant chops key perk Costco hikes membership fee for the first time since 2017 Costco to Lift Membership Fees for First Time in Seven Years - The WSJ What's the Best Savings Account for a Teenager? Fidelity Investments Review: Pros & Cons What Is a Fiduciary Financial Advisor and Do I Need One? The Best Time and Place To Buy Small Kitchen Appliances [The Washington Post] How to power your home through an outage without a gas generator Wind energy is on a tear and has beaten coal for two months straight Homes into giant batteries: MIT plans energy cement to power your house AI is exhausting the power grid. Tech firms are seeking a miracle solution. Bitcoin miner CleanSpark buys five Georgia data centers Clark Deals - The top 10 deals of the week! People aren't spending like they used to Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Seniors are getting scammed more and more. But there are ways to help protect loved ones.  Clark Stinks: Segments 1 & 2 Senior Scam Alert: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Simple Steps To Get Better Customer Service Do Not Give Your Social Security Number at These Places 403b Wise   /   What Is a 403(b) and How Does It Work? Should You Get a Business Credit Card? | When is it Worth it? 10 Clark Howard 'Never, Not Ever' Rules To Protect Your Money 7 Things To Know Before You Use Zelle Should I Use a Credit Card or Give Up My Bank Account Info To Save 2.3%? How To Create a Safe Password Scamming Seniors Is a Growing Problem. Wall Street Wants Washington to Stop It Elder fraud has reached epidemic proportions – a geriatrician explains what older Americans need to know — The Conversation Are older adults more vulnerable to scams? What psychologists have learned about who’s most susceptible, and when — The Conversation Why You Should Never Prepay for a Rental Car How To Dispute a Charge on Your Credit Card Submit a complaint | Consumer Financial Protection Bureau Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s show - this is an election year, and we don’t do politics here. But we’re hearing all sorts of perspectives from across the political spectrum about whether Americans are doing better or worse than they were years ago. Clark cuts through the clutter to get at what’s really going on in a segment called Clarkonomics.  Also, what’s more American than good old USA legal tender? So what do you do when many places no longer accept cash? Clarkonomics: Segment 1 Ask Clark: Segment 2 No Cash Zones: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CEOs made nearly 200 times what their workers got paid last year PEW - The State of the American Middle Class  Middle-class Americans are falling behind When Should You File a Claim on Your Homeowners Insurance? One Tech Tip: Use a roaming eSIM on your summer travels to avoid cellphone data fees 10 Things Homeowners Insurance Doesn't Always Cover Want to Pay Cash? That’ll Cost You Extra How to Teach Young Kids About Money How to wipe the hard drive of a Windows computer. Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark talks about our two biggest cost areas -transportation and housing. There’s good news - and bad, depending on whether you’re looking to buy or sell a used car. Plus, the outlook for new car buyers. And, the American Dream has long included a vision of homeownership. But is it possible to build wealth while renting? Car Prices: Segment 1 Ask Clark: Segment 2 Wealth Building Rewrite: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CarMax Stock Rises After Earnings Dip. There’s a Used-Car Shortage Axios: Charted: Return of the lower-cost vehicle How To Buy a Used Car - Clark.com How to Buy a New Car in 5 Steps Renting Forever and Trying to Create a Strong Financial Future 10 Big U.S. Cities With the Cheapest Apartment Rents How To Open a Roth IRA Invest & Retire - Clark.com Best Online Banks: Free Checking and High-Interest Savings Accounts Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Epsode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - Clark discusses what’s behind the collapse in customer service over the past 2 years and how savvy companies can distinguish themselves. Also, Tax ID theft remains a growing problem that can impact people for years. Know the two important steps tax filers can take now to protect their identity.  Customer No-Service: Segment 1 Ask Clark: Segment 2 Tax ID Theft: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Customer Experience Gets Worse. Again. Complaints are different when customers think a company cares — The Conversation Chase Sapphire Preferred® Card Review: What You Should Know About the Travel Card BBB-File a Complaint NYTimes: First a Victim of Tax Return Identity Theft, Then a 2-Year Wait for a Refund NYTimes: Rampant Identity Theft Is Taxing the I.R.S. How To Deal With Tax Return Identity Theft Why You Do Not Want To Get a Big Tax Refund Check Reduce your withholding to beat tax refund ID thieves Why automatic savings works: How to do it & the best ways to save Get An Identity Protection PIN | Internal Revenue Service Rolling PWN Attack /  How to protect your keyless car from theft Scam Alert: How To Protect Yourself From Voice Cloning Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode - A new stat reveals what percentage of parents go into debt taking their children to Disney. You won’t believe it. Plus Clark has good news & booking tips for fall travelers. Also, AI is certainly shifting the landscape of many industries. So how can workers prepare for the changes it will bring? Disney Debt & Fall Travel: Segment 1 Ask Clark: Segment 2 AI & The Job Market: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What's the Best Way To Get a Deal on Disney Hotels and Resorts? Disney trips lead to debt for almost 50% of parents with young children, study finds Holiday Travel Is Booming. Why Are Airlines Doing So Badly? WSJ Beware of This Hot Vacation Rental Scam When You Don't Need 'Cancel for Any Reason' Travel Insurance Cancel for Any Reason Trip Insurance: Should You Buy It? How to post a hotel review online without getting any blowback BBB-File a Complaint Five things Gen Z should do to prepare for AI in the workplace How To Prevent, Report and Repair Identity Theft How to Freeze Your Credit With Experian, Equifax and TransUnion FCC rolls out mandatory ‘nutrition labels’ for internet providers’ plans Liability vs. Full Coverage: Which Auto Insurance Do You Need? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses how he handles prescriptions in order to save money, and announces our new cash back credit card tool at Clark.com  Clark Stinks: Segments 1 & 2 PBMs and Your Rx Costs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CREDIT CARDS - Clark.com Why Our Travel Expert Thinks This New Tool Is a “Game Changer” 7 Ways To Maximize Credit Card Rewards in 2024 ICS® & CDARS Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank? Warning: Why You Should Never Buy Visa Gift Cards What Does Clark Howard Think About Vanguard’s New Cash Deposit Feature? NYTimes: The Opaque Industry Secretly Inflating Prices for Prescription Drugs NYTimes: What to Do if You’re Overpaying for Prescriptions Amazon Pharmacy expands $5 monthly subscription to Medicare patients 10 Ways To Save on Prescription Drugs Will Mark Cuban's Prescription Company Really Save You Money? Team Cuban Card - Home Hospitals Are Refusing to Do Surgeries Unless You Pay in Full First Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

Americans are learning to save more on groceries - Clark tells you how. Also, Clark discusses the REAL problem with the housing market in America and solutions that exist - mostly elsewhere. We need to get on this now.  Save More On Groceries: Segment 1 Ask Clark: Segment 2 Innovate Home Building: Segment 3 Ask Clark: Segment 4 Mentioned on the show: US shoppers tighten their belts in a most unlikely place: the grocery store Axios: What's behind the summer of discounts Axios: The case for grocery price progress WSJ: The Era of One-Stop Grocery Shopping Is Over How to Save Money on Groceries: 22 Clever Ways 6 Best Apps To Save Money on Groceries Why You Should Never Use Roadside Assistance These beliefs are what separate wealthy people from everyone else Are You Rich? The Amount Americans Need To Live Comfortably NYTimes: How an American Dream of Housing Became a Reality in Sweden These concrete homes want to take over your subdivision Rollovers From a 529 Plan to Roth IRA: What to Know Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Now we’re learning that some apps are spying on drivers for the insurance industry - apps that could be on your phone right now.  Also, when’s the last time you checked your credit report? Clark explains why you should check routinely, and how to fix errors, which - unfortunately, are very common. Know the 3 things you can do right now to protect your credit.  Apps That Spy On How You Drive: Segment 1 Ask Clark: Segment 2 Credit Report Errors: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Is Your Driving Being Secretly Scored? How Strict is the 20/3/8 Rule When Purchasing a Car? How To Buy a Used Car Credit report errors are more common than you think. Here's how to dispute one -USA TODAY How To Get a Free Credit Report (Clark.com) How to Freeze Your Credit With Experian, Equifax and TransUnion How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees HP subscription plan   //   Where To Buy the Best Cheap Printer Should I Update My Income With My Bank or Credit Card Company? Should You Ever Decline a Credit Limit Increase? How Many Credit Cards Should I Have? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s episode, Clark shares why he recently switched cell phone carriers, what the process was like, and which company he’s with now. There are so many opportunities to save on your monthly bill! Speaking of saving - is it really saving when you spend more to get a bigger discount? Clark talks about “spaving”. Clark’s Cell Carrier Switch: Segment 1 Ask Clark: Segment 2 The “Spaving” Trap: Segment 3 Ask Clark: Segment 4 Mentioned on the show: AT&T, T-Mobile, and Verizon get beaten by small carrier in customer satisfaction - PhoneArena Why Clark Howard Switched His Cell Phone Service After 18 Years With T-Mobile Report: The Best Cell Phone Providers in America (Clark.com) Cheap Phone Plans: Get Exactly What You Want at the Cheapest Price Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons) Should You Buy Cell Phone Insurance? (Clark.com) These Credit Cards Will Replace Your Stolen or Damaged Phone (Clark.com) When Companies Ask for Your Social Security Number, Try Saying No - WSJ How to Freeze Your Credit With Experian, Equifax and TransUnion Buy two, get one half off? How 'spaving' discounts can derail your finances 4 free services to thwart the identity thieves lurking in your mailbox Best 529 College Savings Plans By State How To Find and Choose a Financial Advisor How to Settle an Estate 6 Things To Know About Series I Savings Bonds Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark discusses USAA concerning the terrible customer-no-service we are hearing about in every area of their business - and the fraud going on from bank hackers in general. There are steps you can take to better secure your financial accounts. Also, doing business with a big broker does not mean you are going to have big cash returns. Clark explains full commission vs discount brokers.  USAA & Bank Hacking: Segment 1 Ask Clark: Segment 2 Brokerage Choice & Fiduciaries: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Military and Veterans Guide: Free Resources for Your Finances USAA members say the bank is doing little to stop hackers ‘It's just a nightmare’: More and more USAA members who lost thousands of dollars are sharing stories of fraud USAA: 10 Things To Know Before You Get an Auto Policy AI Is Helping Scammers Outsmart You—and Your Bank How secure are banking apps? Here are some key steps all banks – and users – should be following — The Conversation A Hacker Tried and Failed To Get Into My Account. Now What? How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment Morgan Stanley Sued Over Paltry Rate It Pays on Client Cash Best Investment Companies for Investors in 2024 Why Big Banks Are a Bad Place for Your Cash What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Wealthfront Review: How It Works, Pros & Cons 5 Best Robo-Advisors in 2024 Credit Karma Review: Free Credit Score and More at Your Fingertips Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy 4th of July Weekend! Please enjoy this Best Of episode. Clark returns July 8th with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today -  Abandoned Places should NOT include your old 401(k). And big employers don’t want them. So new rules place this money at risk. Clark explains what’s happening now, and how to safely move your money. Don’t let it slip away!  Clark Stinks: Segments 1 & 2 Forgotten 401(k)s At Risk: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an ABLE Account? Why Did My Car Insurance Go Up? Best Free Password Managers: 7 Top Picks How To Make Your Online Accounts Accessible When You Die Best 529 College Savings Plans By State Upside App Review: 6 Things To Know Before You Sign Up Your Old 401(k): Out of Sight, Out of Mind and Out of Money 401(k) Rollover: What You Need To Know & Options 3 Places You Should Never Invest Your Money Best Travel Credit Cards: Top Rewards Picks for 2024 Capital One Venture X Rewards Credit Card: 6 Things To Know Why Clark Thinks These Are the Best 2 Travel Rewards Cards The Platinum Card® from American Express Review Where To Buy the Best Cheap Printer Martin Luther King, Jr., National Day of Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 8th with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Because of the pandemic, many employees are entering an office environment for the first time, and companies are having to conduct special training to help them adjust. Clark has sage advice for remote workers making the transition into corporate culture.  Also today - After a period of punishing inflation, consumers are  finally in the driver’s seat on prices. How? Clark explains our collective power in the marketplace.  Workplace Etiquette: Segment 1 Ask Clark: Segment 2 Consumers Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: We don't know how to behave in the office anymore, bosses say. The solution? Charm school  Why Sharing Your Layoff Publicly Feels So Good - The Wall Street Journal. Credit Card Car Rental Insurance: What You Need To Know Hertz is selling 20,000 electric vehicles to buy gasoline cars instead A Different Kind of Price War: Grocers vs. Big Food Makers Mortgage Recasting: What It Is And How It Works Accessible Travel Website Launches Major Expansion The future of U.S. train travel is here—and it’s not on Amtrak Where You Should (and Should Not) Book Your Next Vacation Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 8th with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Clark offers a primer on the 3 basic types of funds - Mutual, Index, and the fastest growing area of investing: ETFs. Also, there is a new rule for health insurers when you need medical preauthorization approval for treatment or a procedure. And it’s about time.  Back To Basics: ETFs: Segment 1 Ask Clark: Segment 2 New Rules On Medical Preauthorization: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Invest in ETFs for Beginners  What Is an ETF? Clark.com INVESTOPEDIA - Mutual Funds /  Index Funds /  ETFs Medicare Medical Savings Account (MSA) Plans Health Insurers Must Streamline Prior Authorization Decisions, New Rule Says - The WSJ Businesses Are Making Me Pay the Credit Card Processing Fee. Should I Pay Another Way? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing Disclosure: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 8th with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Today, a Red Alert if you have a checkbook in your possession. Check theft is soaring at a time when people are writing fewer checks. Clark explains the weak links in the system, and the safest way to pay your bills. Also, the rising costs of homeowners insurance hits especially hard in areas prone to flooding, fires, and other environmental concerns. Know the additional steps to take concerning insurance BEFORE you buy a home.  Check Fraud Prevention: Segment 1 Ask Clark: Segment 2 Homeowners Insurance - Assessing Risk: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: We Can’t Stop Writing Paper Checks. Thieves Love That. NYTimes: Stolen Checks Are for Sale Online. We Called Some of the Victims. The New York Times: What to Know About Writing Checks While Preventing Fraud How To Roll Over a 529 Plan to a Roth IRA The Artist's Way Where to Buy a Vacation Home Safe From Climate Risks Want to know if your future home might flood? These states are requiring disclosure. Climate Check - How Will Climate Change Affect Your Property? Donor-Advised Fund Definition, Sponsors, Pros & Cons, Example Why Big Banks Are a Bad Place for Your Cash How To Sell, Cancel or Get Rid of Your Timeshare Why 'Buy Now, Pay Later' Worries Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark talks about the changing nature of dining out, including shortened restaurant hours and the use of robots - trends that show how businesses adapt to labor shortages and other challenges. And Clark and producer Grace reflect on the personal and national significance of the 4th of July. Clark returns after next week. Have a wonderful 4th of July Holiday!  Clark Stinks: Segments 1 & 2 Dining Out Is Changing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Freeze Your Credit With Experian, Equifax and TransUnion NYTimes: Feeling Consumers’ Pain, Retailers Bring Back Discounts When Should You File a Claim on Your Homeowners Insurance? SmartPlug Instant Hot Water Control The robots preparing to get their hands on your lunch [The Washington Post] The new dining reality: Smaller groups and shorter weeks Axios: Restaurants are having their biggest year ever Clark Warns Major Changes To Credit Card Rewards Are Coming Soon In California, Hotels and Rentals Must Reveal Fees Upfront. What Does That Mean for You? Fourth of July - Origins, Early Celebrations & Traditions A message from Clark about the 4th of July Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark goes back to basics on 403(b) plans and 401(k)s. And Speaking of saving, how about saving way more by doing a no-buy (except for necessities) month? Some people are managing to do just that! 403(b) & 401(k) Plans: Segment 1 Ask Clark: Segment 2 The No-Buy Challenge: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a 403(b) and How Does It Work? (Clark.com) Pros and Cons of 403(b) Plans What Is a 401(k) Plan and How Does It Work? Pump Up Your 401(k). New Roth Rules Make It Easy NYTimes: Was the 401(k) a Mistake? About 1 in 4 US adults 50 and older who aren't yet retired expect to never retire, AARP study finds 10 Clark Howard 'Never, Not Ever' Rules To Protect Your Money Best Investment Companies for Investors in 2024 Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? How To Open a Roth IRA 403bwise: The K-12 403(b) is broken. Together we can fix it. Credit Karma Review: Free Credit Score and More at Your Fingertips What Is a Good Credit Score? Axios: The no-buy challenge / Axios: No-buy revolution More people make 'no-buy year' pledges as overspending or climate worries catch up with them Tempted to try a no-buy year? Here are tips from people doing it Is an HSA the Best Way To Save for Future Medical Expenses? Where Should I Set Up My Health Savings Account (HSA)? The Best Places To Buy Hearing Aids Stash puts the power of investing in the palm of your hand Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Smaller retailers being beaten by Goliath big box stores is an ongoing concern. Clark discusses a notable exception and their secret to success. Also, if you’ve purchased Amazon’s electronics brands over the years, Clark has a money saving tip to keep in mind.  Small Business Success: Segment 1 Ask Clark: Segment 2 Save On Amazon Electronics: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Ace Hardware, America’s neighborhood hardware store for 100 years, is beating its big-box rivals How to Deal With Medical Debt Can a Patient Advocate Help With Your Medical Bills? De Beers Will Quit Growing Diamonds for Jewelry | National Jeweler 7 Places to Get the Best Deals on Lab-Created Diamonds Key Savvy EV Credit Buy a lot of Amazon gadgets? You could get 20% off each time Clark Deals - TABLETS Best Budgeting Apps in 2024: Our Top 5 Have a CD Maturing Soon? How Letting It Roll Over Could Really Cost You Are Airline Miles Worth It? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark talks about how much you can save by shopping mortgage rates. The difference can mean a savings of 6 figures over the life of a loan. Later - how do Shein and Temu keep their items so cheap?  Comparison Shop Mortgages: Segment 1 Ask Clark: Segment 2 Shein & Temu: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New York Post: 5 states where homebuyers could save more than $100K by comparison shopping for a mortgage How to Get a Mortgage in 8 Steps [How To Find and Choose a Financial Advisor (Clark.com) Advice Only Network  /  Flat Fee Advisors] What Is Umbrella Insurance and Do You Need It? No-tariff shipments popular with Shein, Temu hit US customs speedbump Is Temu Legit? 4 Things To Know 9 Things You Should Always Buy Used Stitch Fix Review: 4 Things To Know Before Signing Up 9 tricks to slash spending on clothes How to Buy a New Car in 5 Steps / How To Buy a Used Car Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains the problems with Social Security funding, and how he would fix them. Another heated topic today - student loans. As interest rates on loans rise, Clark shares alternative ideas for funding college.  Social Security: Segment 1 Ask Clark: Segment 2 Student Loan Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Social Security’s Funding Crunch Worsens as the Top 6% Get Richer Will Social Security Run Out? / When Is the Best Time To Collect Social Security? Why Clark Says Everyone Should Have a Dash Cam Is Medical Tourism Right for You? (Clark.com) Top 7 Things to Look for When Choosing a Medical Tourism Facilitator What Is a 1031 Exchange? Know the Rules - Investopedia NYTimes: Interest on Federal Student Loans Is Rising to 6.53%-Education Dept. announces highest federal student loan interest rate in more than a decade Brands from Burger King to Coke to Lockheed Martin are leaning in on scholarships to capture Gen Z How to find an internship in the federal government / Education Archives - Clark Howard What Is Mean Reversion, and How Do Investors Use It? Reserve Officers' Training Corps (ROTC) Program Credit Card Car Rental Insurance: What You Need To Know (Clark.com) Should I Buy Additional Insurance From a Rental Car Company? The Hospital Mistakenly Charged Me $25,000 for a Rabies Shot. What Do I Do? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Later - home renovations have slowed way down, and suddenly it isn’t taking as long to hire a contractor. So when does it make sense to renovate?  Clark Stinks: Segments 1 & 2 Home Renovations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Do I Really Need To Put Premium Gasoline in My Vehicle? Where Should I Set Up My Health Savings Account (HSA)? Best Travel Credit Cards: Top Rewards Picks for 2024 5 Steps To Getting a Good Deal on a Hotel Room The Points Guy - Maximize your travel. uShip Review: 5 Things To Know Before You Use the Shipping Service Submit a complaint | Consumer Financial Protection Bureau Spending on home renovations slows, but high remodeling costs mean little relief in sight for buyers The Only Reason You Should Make an Improvement to Your Home 6 Tips for Hiring a Contractor Here's How Long Your Home Appliances Should Last Should I Turn To Costco for a Home Renovation Project? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - Clark’s Birthday, presents an opportunity to update his health journey and share recommendations from the Prostate Cancer Foundation during Men’s Health Month. Also, a top concern is the safety of our teen drivers. There’s a great new collaborative list of the most reliable used cars under $10,000 for teens to drive. Clark’s Birthday & Cancer Update: Segment 1 Ask Clark: Segment 2 Safest Cars For Teens: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard and the Prostate Cancer Foundation ETIAS - travel to Europe - European Union BBB-File a Complaint New Report: The Safest Cars for Teens The safest used cars for teen drivers CR - Safe Vehicles For Teens Are Money Market Accounts As Safe as High-Yield Savings Accounts? ICS® & CDARS Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a lot of talk about living to 100 and beyond these days. Longevity science is a big business, but along with living longer, we need to ensure our financial security. Also, get Clark’s take on recent reports concerning potential lengthy power blackouts. Health & Financial Longevity: Segment 1 Ask Clark: Segment 2 Power Grid Blackouts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Blue Zones: A Blueprint for Adapting Health and Financial Security into Longevity The booming business of eternal youth Vanguard Review: Pros & Cons How To Choose the Best Charities for Your Donations What's the Best Way To Donate to a Charity? Cheap Phone Plans: Get Exactly What You Want at the Cheapest Price [The Washington Post] Where heat waves might cause blackouts: Look up your area This Boston startup created renewable energy storage that’s 10 times cheaper than lithium-ion batteries 8 Things To Know Before You Fly Frontier Airlines Stacked vs. Unstacked Auto Insurance: 2024 Guide Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - auto theft is a huge problem around the country, and thieves have figured out a way to duplicate your car keys by intercepting the signal, often from outside your home. Clark shares a cheap easy way to help prevent this.  Also, key warnings if you’re looking for a remote job, as unfortunately we’re hearing from a lot of job seekers who’ve been ripped off by employment-related scams. Prevent Car Theft: Segment 1 Ask Clark: Segment 2 Remote Job Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to protect your keyless car from theft Search: Key Fob Pouch Protectors How To Find Cheap Flights in 3 Easy Steps Using Cellular Data Internationally: Buying a Local SIM Card 5 Steps To Getting a Good Deal on a Hotel Room How To Plan a Trip: Clark’s Best Travel Tips To Save Money Target Date Funds: Clark's Favorite Retirement Investment How To Open a Roth IRA Watch for these red flags when searching remote job listings If you're out of work, don't fall for a phony job offer Submit a complaint | Consumer Financial Protection Bureau 6 Things To Know Before Contacting the National Foundation for Credit Counseling Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The recent fraud attempt against Graceland has reignited concerns about title fraud. Clark shares 3 ways to protect against the rare but heinous crime of property theft. Also, we’ve talked a lot about the rising cost of homeowner’s insurance, but the biggest problem many of us face is being underinsured. Guard Against Title Fraud: Segment 1 Ask Clark: Segment 2 Adequate Home Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Scammers Tried to Sell Graceland. How to Prevent Your Home From Being Next. Home Title Lock: Is It the Same As Home Title Insurance? (Clark.com) What Is Owner’s Title Insurance and Do You Need It? (Clark.com) How to Freeze Your Credit With Experian, Equifax and TransUnion uShip Review: 5 Things To Know Before You Use the Shipping Service Can YouMail Really Put an End to Robocalls? [The Washington Post] Home insurance was once a ‘must.’ Now more homeowners are going without. Best And Worst Homeowners Insurance Companies (Clark.com) 9 Ways To Lower Your Home Insurance Premiums (Clark.com) Dept. of Energy - HEAT PUMPS How To Buy Term Life Insurance in 7 Easy Steps Clark Howard's Advice on Buying Gold Should You Buy Gold at Costco? Clark.com - Invest & Retire Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, only around 52% of employees with retirement plans offered through their employer are contributing. Clark shares statistics that will encourage workers to start saving asap for retirement. Clark Stinks: Segments 1 & 2 SAVING - The Sooner The Better: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save Money on Utilities 8 Tips for Staying Cool Without Heating Up Your Energy Bill 12 Things You Never Knew You Could Get From Your Local Library Kaizen: Understanding the Japanese Business Philosophy The Earlier You Take Advantage of Your 401(k), the Better 401(k) Calculator With Match Clark.com - INVEST & RETIRE Retailers use police-like investigation centers to fight theft. Shoppers pay the price How to Advocate for Yourself at the Dentist Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark is a champion of entrepreneurship. Unfortunately, there are many multilevel marketing companies designed to make you think you’re really starting a business, when in actuality you are sinking your money into a hole. Also today - it’s officially summer travel season. What you see at airport security may surprise you. Beware MLMs: Segment 1 Ask Clark: Segment 2 Airport Security Lines: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Americans keep getting roped into multilevel marketing schemes What Is Long-Term Care Insurance Cost & Coverage How To Prevent, Report and Repair Identity Theft TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? Will TSA's New Self-Screening Service Save You Time At The Airport? TSA unveils first self-screening security lane at Las Vegas airport TSA unveils a prototype self-service airport checkpoint security screening system How Should I Handle Car Insurance for My Teenage Driver? What Are Index Funds? / What Is an ETF? 3 Places You Should Never Invest Your Money Best Investment Companies for Investors in 2024 Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark encourages you to spend on something of vital importance, because ultimately, it will help you SAVE MORE. Also today - There’s a shift taking place in the housing market. Clark provides an update. Investing In Health: Segment 1 Ask Clark: Segment 2 Housing Market Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Your level of physical activity could be a vital sign  15 of the Best Free Workout And Fitness Apps Follow the 'Minute Rule' to make exercise a daily habit [What Is Service Line Insurance and Do I Need It? (Clark.com)] 4 Insurance Policies You Actually Need (and 6 You Don't) Housing market inventory is shifting. Here's what the data shows Betterment vs. Wealthfront: Which Robo-Advisor Is Best for You? Betterment Review: How It Works, Pros & Cons Wealthfront Review: How It Works, Pros & Cons 5 Best Robo-Advisors in 2024 / Best Financial Advisors in 2024 Fidelity Personalized Planning & Advice Review Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity How to Buy a New Car in 5 Steps // How To Buy a Used Car Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Various devices we use in our lives from alarm systems to fitness trackers - collect personal data. Clark discusses how to balance protecting your privacy with utilizing modern technology. Also today, huge bills that arrive after a hospitalization are often far from accurate. Clark shares strategies for dealing with these, and potentially lowering the costs.  Technology Vs Privacy: Segment 1 Ask Clark: Segment 2 Medical Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Do you really own the digital items you paid for? When companies share your personal information without your permission Why Walmart bought TV-maker Vizio for $2.3 billion - Axios F.S.A. vs. H.S.A.: What to Know About the Accounts That Pay Medical Costs Where Should I Set Up My Health Savings Account (HSA)? Are you confronting a big medical bill? Attack it with a plan — and these tips How to Deal With Medical Debt - Clark.com Can a Patient Advocate Help With Your Medical Bills? Unlimited Plans Comparison: T-Mobile vs. AT&T vs. Verizon Automatic Bill Pay: How It Works and How To Do It Safely My Cable Company Is Raising Prices Unless I Enroll in Auto-Pay. Is It Safe? Airlines you can book using Avios: How to maximize your points Point.me /// Going™ | Formerly Scott's Cheap Flights How To Choose the Best Charities for Your Donations Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Keeping your finances organized creates more efficiency and less stress in your life. Today Clark goes back to basics on what kind of documentation you should keep, and for how long. Also, millions of our aging loved ones are aggressively targeted and collectively scammed out of billions each year. Clark offers adult children some direction for becoming proactive, in order to help protect vulnerable seniors.  Your Important Documents: Segment 1 Ask Clark: Segment 2 Protecting Our Elders: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Advice | Keep these 10 financial documents forever. Scan and shred the rest. Which Documents Should You Keep and for How Long? (Clark.com) Calculators - Clark Howard The Easiest Way to Start Saving for Retirement When You’re Saving Zero Right Now How Much of Each Paycheck You Should Save or Invest 5 questions to ask when helping an older parent with money Seven Ways to Protect Older Adults from Financial Abuse Living Will and Durable Power of Attorney: Frequently Asked Questions Target Date Funds: Clark's Favorite Retirement Investment  What Are Index Funds? /// What Is an ETF? How To Find and Choose a Financial Advisor AAA Membership: Is It Worth It? Why You Should Never Use Roadside Assistance Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Retirement can be the beginning of a wonderful new life! But it can also present serious challenges after a lifetime of working, including depression. Clark talks about avoiding this pitfall, and making the most of your golden years.  Clark Stinks: Segments 1 & 2 Joy In Retirement: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco vs. Sam's Club: What Is the Difference? Overdraft Protection: What Is It? Do You Really Need It? 5 Tips To Protect Your Digital Privacy How age-friendly universities can improve the second half of life — The Conversation Why Retirees Are Going Back to College What the Heck is a Core Pursuit? Five Things I Wish I’d Known Before I Retired The Center for Auto Safety: Learn the latest news in auto safety. Virtual Credit Cards: An Online Security Measure Worth Taking? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Only 1 in 4 people realize you can negotiate on items you think come at a fixed price. You can negotiate everything from the price of a new car to your cable bill to large appliances. Also, social media is full of pitches selling supplements and powders with claims they can improve your health and change your life. Not so fast. What you need to know about dietary supplements.  Price Negotiation: Segment 1 Ask Clark: Segment 2 Warning: Dietary Supplements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: A Guide To Negotiating For Cars, TV Bills, Home Renos And More Is It Worth Buying High-End Appliances? Here's How Long Your Home Appliances Should Last The best time and place to buy appliances Submit a complaint | Consumer Financial Protection Bureau Dietary supplements and protein powders fall under a ‘wild west’ of unregulated products that necessitate caveats and caution — The Conversation How To Avoid Fraud With Herbal Supplements ConsumerLab.com /  NSF International /  U.S. Pharmacopeia Consumer Federation of America Life Insurance Rate of Return Service How To Find and Claim Missing Money in Your Name Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark checks in on the current state of cryptocurrency - where it’s been, where it’s going. Also today, a look at the financial education young students are getting - including the FiCycle curriculum, and how you can start teaching them at home.  Cypto Basics: Segment 1 Ask Clark: Segment 2 Financial Education: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Clark Howard Thinks of 'Crypto Winter' After Big Crash Axios: SEC sends Robinhood's crypto business Wells Notice Robinhood Markets receives SEC notice for alleged securities violations at crypto unit Why You Should Never Mail a Check NYTimes: The Key to Better Math Education? Explaining Money. Why Clark Howard Uses Unit Price To Save Money When Shopping How to Teach Young Kids About Money When Is the Best Time To Collect Social Security? Best Travel Credit Cards: Top Rewards Picks for 2024 DOT - File a Consumer Complaint Submit a complaint | Consumer Financial Protection Bureau BBB-File a Complaint Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - What summer sunscreen shoppers need to know about effective, affordable skin protection. Also - Perennial questions about owning car warranties have only increased in the age of modern vehicles - basically computers on wheels that are more expensive than ever to repair. Clark shares new data & direction on warranties.   Choosing Sunscreen: Segment 1 Ask Clark: Segment 2 Auto Repair Costs & Warranties: Segment 3 Ask Clark: Segment 4 Mentioned on the show: SUNSCREEN - Consumer Reports NYTimes: How to Avoid One of the Deadliest Forms of Skin Cancer Fender benders mean serious high-tech repairs now Should You Buy an Extended Warranty on Your Car? Buying Gas From a Station on This List Is Better for Your Car What's the Best Way To Send Money Overseas? What’s the Best Way To Exchange Dollars for Foreign Currency? 5 Money Tips To Know Before You Travel Abroad Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Using reward points for summer airfare and hotels has been a great way to save over the years, but operators have long been devaluing these programs, and are limiting how you can earn those points. Know how to better manage the moving targets that are today’s variable travel rewards. Also, a special guest: Our man Anthony visited Manhattan’s Fairway Market, and reports on the latest version of cashier-less tech - the automated shopping cart. Travel Loyalty Points: Segment 1 Ask Clark: Segment 2 Smart Shopping Carts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: American Airlines No Longer Awards Miles On Most Third Party Bookings - View from the Wing  NYTimes.com: To Protect Your Miles, Be Careful How You Book Find Best Flight Deals With Free American Express Tool Point.me Why Our Travel Expert Thinks This New Tool Is a “Game Changer” How To Open a Roth IRA How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion 10 Ways To Save Money on Car Insurance [NY Post] Future of shopping: Instacart debuts AI-driven 'smart carts' to NYC retailers No more 'just walk out' at Amazon grocery stores. The new bet is smart shopping carts Amazon’s cashier-less technology was to revolutionize grocery shopping. It’s been a flop Amazon Ditches "Just Walk Out" Checkouts at Its Grocery Stores Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, something many of us need but generally ignore is life insurance. Clark helps you take it off the back burner and take care of business, with info on how much you need and how to buy it.  Clark Stinks: Segments 1 & 2 Life Insurance 101: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Warning: Why You Should Never Buy Visa Gift Cards How Do I Use All the Funds on My Virtual Gift Card? The One and Only Exception to Clark Howard's 'No Gift Card' Rule Travel Insurance: What You Need To Know Before You Buy Mint Mobile Review: 6 Things To Know Before You Sign Up 3 Things To Know About Amazon Pharmacy Before You Sign Up Why It's Still Better To Fill Prescriptions at Costco Than Amazon 10 Ways To Save on Prescription Drugs How Much Life Insurance Do I Need? - Clark.com Best Term Life Insurance Companies, Plans & Coverage Life Insurance Archives - Clark Howard Quotacy: Quote, compare and buy life insurance online Vacations To Go: Can You Find Bargain Cruises? Costco Travel: 5 Things To Know Before You Book Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

How do we determine our “magic number” - the amount we need to retire? Clark weighs in on the debate about how much it takes to be financially secure, and how to start and keep making progress. Also today -private placements, hedge funds, limited partnerships, private equity - beware of this type of non-traditional investment “opportunity”. Even when they’re legit, there’s no liquidity, and extremely high expenses. It pays to know why you need to avoid investing with anyone who is not a fiduciary. How Much Do You Need To Retire?: Segment 1 Ask Clark: Segment 2 Risky Investment Pitches: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The “Magic Number” Needed to Retire Comfortably Is More Than You Think Americans Believe They Will Need $1.46 Million to Retire Comfortably According to Northwestern Mutual 2024 Planning & Progress Study - Apr 2, 2024 Retirement crisis looms as Americans struggle to save How Much Do You Need To Retire? How to Start Investing: 10 Steps (Clark.com) How To Save Money: Spend Less & Build Your Savings Warning: Here’s What Those Debt Settlement Companies Don’t Tell You Clark Howard's 2024 Credit Card Debt Elimination Strategy 6 Things To Know Before Contacting the National Foundation for Credit Counseling Best 529 College Savings Plans By State How To Open a Roth IRA The AJC: Atlanta hedge fund manager charged in $10M fraud scheme Best Financial Advisors in 2024 Should You Make Your Child an Authorized User on Your Credit Card? Best Credit Cards for Students: Top Picks for 2024 Travel Archives - Clark Howard 4 Ways To Get Your Free Credit Score Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses the big bank response to higher savings rates and spells out your options to make the most of your savings. Also today - small business owners are stuck between a rock and a hard place when it comes to borrowing money. Beware “quick” loans. Clark has a better way. Maximize Your Savings Rate: Segment 1 Ask Clark: Segment 2 Legal Loan Sharks Plague Small Business: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Banks pay savers more as ‘higher-for-longer’ rates hit interest income Clark.com - Best High-Yield Online Savings Accounts Montway Auto Transport: Top-Rated Auto Transport Company uShip Review: 5 Things To Know Before You Use the Shipping Service Facebook Marketplace Scams: Everything You Need to Know Small businesses are still struggling to get financing, a year after bank failures Best Small Business Credit Cards: Top Picks for 2024 (Clark.com) Best Cash Back Credit Cards With No Annual Fee in 2024 Best 2% Cash Back Credit Cards: 8 Options in 2024 Warning: Why You Should Never Buy Visa Gift Cards Amazon “Prime Visa” Card Review: 5% Back for Amazon Prime Members How To Get the Best Price Possible Shopping Online Clark Deals - Today's Best Deals of the Day How To Spot a Fake Online Store in 6 Easy Steps Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - you may have heard that Walmart is closing its health centers. With the failure of this healthcare option, along with the state of the clinic attempts made by Walgreens & CVS, there’s an important healthcare takeaway to be prepared for. Also, are you ready to see a driverless tractor-trailer on the road? Are they safe? Your Primary Care Physician: Segment 1 Ask Clark: Segment 2 Autonomous 18 Wheelers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Walmart Is Shutting Health Centers After Plan to Expand Walmart to close its 51 health centers, virtual care service Walmart says it will close its 51 health centers and virtual care service My Neighbor’s Dead Tree Is About To Fall on My House. What Do I Do? Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank? Why Are Retailers Adding an Additional $1 Charge on My Credit Card? How Many Bank Accounts Should You Have? - Clark Howard Self-driving trucks are ready to roll Want To Guard Your Privacy Online? Search the Web With DuckDuckGo DuckDuckGo - Get Email Protection: More Privacy, Same Inbox Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, we’ve talked about the cost of college, and how it can hamper parents saving for their own retirement. But what about supporting adult children post-college age? Clark shares some concerning stats. What’s your take? We have a popular thread on our free Clark.com Community on this topic,  linked here and we invite you to share thoughts on financially supporting adult children. Clark Stinks: Segments 1 & 2 Paying For Adult Children: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Streaming TV - Clark.com Do I Really Need To Put Premium Gasoline in My Vehicle? How to Get Your Kids to Step Off the Gravy Train 60% of Parents Pay Bills For Adult Children. Do You? When it’s time to financially cut off your adult children Clark.com Community - What is the appropriate age to wean your child off your financial support? And how much money should you give an adult child if any? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has never been a fan of brand names, and it seems he’s been ahead of the curve. Now consumers, sick of high prices, are fighting back. New private labels are popping up and it’s great for our wallets. Also today, with short-term rental bans proliferating, Clark has a key rule for purchasing investment property.  Private Label Store Brands Vs Big Brand Names: Segment 1 Ask Clark: Segment 2 Buying Investment Property: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Consumers Fed Up With Food Costs Are Ditching Big Brands Barrons: Walmart Is the Nation’s Largest Grocer. Why It Added a New Private Label Food Brand. Walmart Takes On Trader Joe’s and Whole Foods With New Premium Brand - WSJ How to Save Money on Groceries: 22 Clever Ways - Clark.com Are Airbnbs banned in Hawaii? New law seeks to crack down on short-term rentals -USA TODAY What Is a 1031 Exchange? Know the Rules Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, an important update on Inflation Savings Bonds. Clark explains how these bonds work over time and the advantage of owning new Series I Bonds. Also, extra fees have been a topic on the show in recent years. There’s a new fee in town making a splash - Clark tells you how to avoid it.  UPDATE - Series I Savings Bonds: Segment 1 Ask Clark: Segment 2 Cancellation & No-Show Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Barrons: Treasury Sets New Rate of 4.28% for I Bonds as Inflation Ebbs 6 Things To Know About Series I Savings Bonds The Era of ‘No-Show’ Fees Is Here—and It’s Going to Cost You - WSJ Should You Stay With Vanguard Despite the New Fee Announcement? NolahMattress - Is It Legal to Sell a Used Mattress? A State-by-State Guide The Best Place To Buy a Mattress How Can I Get Rid of My Old Mattress Cheaply? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clarkonomics! Clark discusses how the US economy stacks up against the rest of the world, including concerns about our deficit. Also, Clark and Christa have a long running disagreement about a payment practice. Christa was right. Clark has changed his mind. Clarkonomics: Segment 1 Ask Clark: Segment 2 Automatic Payments: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The US dollar is strengthening. Here’s what’s driving the rally and what it means for Americans America’s debt problem is storing up trouble for the rest of the world Inflation Is Stubborn. Is the Federal Budget Deficit Making It Worse? Stubborn Inflation Could Prod Fed to Keep Rates High for Longer With Inflation This High, Nobody Knows What a Dollar Is Worth Where Should I Set Up My Health Savings Account (HSA)? Florida Department of Agriculture and Consumer Services (FDACS) Money Talk with Liz Weston: Can my credit score really be marred over $20?  Automatic Bill Pay: How It Works and How To Do It Safely Credit Score Guide   /   Should You Get a Store Credit Card? Is a Self-Directed Real Estate IRA Right for Your Retirement? Real Estate Investing: What To Know BEFORE You Start What Should You Do if Your Insurance Claim Is Denied? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode - did you hear about the T-Mobile customer who received a six figure bill for an international trip? Get Clark smart advice for traveling overseas with your phone. Also today - there’s a new warning out about a scam trying to collect money from you from phantom tolls. International Calling: Segment 1 Ask Clark: Segment 2 Toll Collection Scam Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: PhoneArena: This T-Mobile customer got a $143442.74 bill after a three-week Switzerland vacation The Best International Phone Plans Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) Hello Mobile How To Choose the Best Charities for Your Donations What's the Best Way To Donate to a Charity? Alert: FBI issues warning on toll road smishing scam USA TODAY: Road toll 'smishing' texts on the rise, FBI says: Here's what to know E-ZPass Group - Home T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up How To Prevent, Report and Repair Identity Theft Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, we’ve talked a lot about renting vs. buying in today’s housing market. New data makes a compelling argument and provides direction for aspiring homeowners.  Clark Stinks: Segments 1 & 2 Rent Vs Buy A Home: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best 529 College Savings Plans By State Homes at Menards® Insurers Are Spying on Your Home From the Sky Axios: Unpacking the productivity surge Where should I place a carbon monoxide detector? The $10 Travel Essential Clark Howard Always Packs Big city dwellers are better off renting than buying a home everywhere, analysis says - USA TODAY One-Third of Parents Are Paying An Adult Child's House Down Payment? Are You? Map: Here's Zillow's updated home-price forecast for more than 400 housing markets The cost breakdown of building a single-family home The Only Reason You Should Make an Improvement to Your Home 29 home remodeling projects that offer the best payback 6 Tips for Hiring a Contractor Senior Planning Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark shares a personal story about a sleazy sales call he received from one of the big alarm companies - tied to an internet provider. Also in this episode, pet owners need to understand what’s going on in the veterinary medicine profession so they can choose wisely, and protect their wallets. DIY Home Security: Segment 1 Ask Clark: Segment 2 Veterinary Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ADT USA Reviews | Read Customer Service Reviews of adt.com Your Guide to DIY Home Security Systems Which Home Security Systems Rank Better Than Ring? Turo: 5 Things To Know About the Cheap Car Rental Service Credit Card Car Rental Insurance: What You Need To Know My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Why Your Vet Bill Is So High  /  Is Pet Insurance Worth It? Best 529 College Savings Plans By State Credit Karma Review: Free Credit Score and More at Your Fingertips Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Finding a fiduciary financial advisor who ONLY works for your best interests can be difficult. New regulations may add protections for consumers, but it’s on us to know how to get the best guidance.  Also, Americans have so much stuff that storage units have been overbuilt. If you have a unit, Clark has some money saving advice regarding your monthly fee. Key Warning On Financial Advisors: Segment 1 Ask Clark: Segment 2 Storage Units: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans Deserve Straight Retirement Advice. They Work Too Hard for Their Money. NYTimes: Who Can Be Trusted for Retirement Advice? New Rules Strengthen Protections. WSJ: Advisers on Trillions in IRAs Must Now Put Your Interest First What to Do When Your 401(k) Leaves Something to Be Desired How To Find and Choose a Financial Advisor - Clark.com What Is a Fiduciary Financial Advisor and Do I Need One? The Clark Howard Podcast The Headache at the End of the Costco Gold Rush - The WSJ Should You Buy Gold at Costco?  /  Clark Howard's Advice on Buying Gold NYTimes: Americans Went All-In on Self-Storage. That Demand Is Suddenly Cooling. Storage Unit Prices Keep Going Up. Is There a Better Way To Store My Possessions? The #1 Bill You Should Get by Mail Wirecutter: Stop Stressing About Turning Off the Lights When Leaving the Room! Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode - Clark takes you through the necessary steps for buying a used vehicle, including his number one rule, a key step neglected by a third of all buyers. Also today - are you traveling this summer? Airlines and hotels are changing the rules when it comes to earning points or miles.  How To Buy A Used Car: Segment 1 Ask Clark: Segment 2 Airline & Hotel Points: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ - Used-Car Sales Have Moved Online—Here’s Why Both Customers and Dealers Are Happy    How To Buy a Used Car - Clark.com How to Buy a New Car - Clark.com Should You Buy an Extended Warranty on Your Car? - Clark.com Salvage Title: What it Means, How it Works - Investopedia American Airlines Is Once Again Changing How Fliers Can Earn Rewards Hotel Resort Fee Lookup Tool Should You Ever Book a Nonrefundable Hotel Room? How Does Booking Travel Through a Credit Card Rewards Program Compare? How To Choose a Tour Company - Clark.com When Do You Need a Travel Agent? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode - we often see lists of the best auto insurance companies, but now Clark has discovered an industry database for body shops that rates insurers according to how claims are handled. Also, Clark hates covenants not to compete - a labor practice that’s now on the ropes. But the ban is messy. Clark explains.  A New Source For The BEST Auto Insurers: Segment 1 Ask Clark: Segment 2 Non-Compete Clauses: Segment 3 Ask Clark: Segment 4 Mentioned on the show: CrashNetwork - Top Rated U.S. Car Insurance Companies for 2024 Best Auto Insurance Companies -Clark.com How to Shop for Lower Car Insurance - Clark.com Ascensus Acquires Vanguard’s Small Business Retirement Plans Target Date Funds: Clark’s Favorite Retirement Investment Ban on non-compete agreements sends shockwave across Wall Street [The Washington Post] Groups sue to block FTC’s new rule barring noncompete agreements Workers Celebrating Ban on Noncompetes. Employers Are Ready to Fight. - The WSJ NYTimes: F.T.C. Issues Ban on Worker Noncompete Clauses Businesses face 'seismic shift' after FTC bans noncompetes. Here's what they should do next. Healthcare.gov / What Is an HSA Account and How Does It Work? My 7 Rules for Using Credit Cards - Clark Howard Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, how loyalty programs affect price decision making and may have you “competing with yourself”. Clark discusses how these programs work across many industries, and what to keep in mind to get the most from them.  Clark Stinks: Segments 1 & 2 Loyalty Programs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Start Investing: 10 Steps for Beginners Should We Worry About the National Debt and Budget Deficits? Will Social Security Run Out? What Is a SEP IRA and Who Is Eligible? Clark Deals - Hotels When Is the Best Time To Collect Social Security?  /  Social Security When? 18 Ways To Save at Walmart  /  Walmart+ Membership Program: 4 Things To Know Loyalty programs may limit competition, and they could be pushing prices up for everyone — The Conversation Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

During COVID, many Americans moved far away from their offices, sometimes out of state. Clark talks about how super-commuters are making it work. Also, Clark gets back to basics on something he hates: annuities. Know which type may actually be useful and which ones are to be AVOIDED at all costs!  Super-Commuting: Segment 1 Ask Clark: Segment 2 Sold Not Bought - Annuities: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The rise of the super-commuter The Best Unlimited Hotspot Plans Visible Announces New Annual Plans: Save up to $145/Year Visible Review: 5 Things To Know Before You Sign Up Using Cellular Data Internationally: Buying a Local SIM Card InsureMyTrip Review: Why We Like It and How to Use It How To Choose the Best Charities for Your Donations What Is an Annuity, and Why Does Clark Think They Stink? The Only Two Exceptions to Clark Howard's Annuity Rule What Is a 1035 Exchange? Definition and How the Rules Work Why I Think Medicare Advantage Plans Stink - Clark Howard Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Investing continues to evolve and a new way some fiduciary financial advisors are charging for services could save you money. Know your options to make an informed choice for financial services. Also, before you sign up for expensive dental work, think twice & take Clark’s advice. Flat Fee Financial Advisors: Segment 1 Ask Clark: Segment 2 Wisdom Teeth- AVOID Unnecessary Dental Work: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Flat Fee Shops Attempt to Shake Up Financial Advising Advice-Only Network // Flat Fee Advisors 3 Places You Should Never Invest Your Money What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor What Is an HSA Account and How Does It Work? Target Date Funds: Clark's Favorite Retirement Investment How to Advocate for Yourself at the Dentist How getting a second opinion can stop you being ripped off — The Conversation Yes, your smart TV is spying on you – Here's how to stop it GM Stops Selling Driving Data to Insurance Companies How to Buy a New Car in 5 Steps Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In our everyday payment decisions, many choose Apple Pay or Google Wallet on our phones. Consumer behavior studies show the more convenient the payment method, the more we spend. Don’t let tap to pay, tap you out! Also today - we are finally seeing the results of people wanting to do more in person. Clark discusses how this is affecting some industries, including food delivery.  Phone Tap To Pay (More): Segment 1 Ask Clark: Segment 2 The Ghost Of Kitchens Past: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Using your phone to pay is convenient, but it can also mean you spend more Cash Envelope System: How It Works 10 Best Free Checking Accounts in April 2024 AT&T Data Breach: Take These Steps To Protect Your Information How to Freeze Your Credit With Experian, Equifax and TransUnion Ghost Kitchens Are Disappearing, Squeezed by Demand and Complaints Warning for Cell Phone Users: Do Not Use Public Charging Stations What Is a Thrift Savings Plan? Costco vs. Sam's Club: What Is the Difference? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

How do you feel about targeted ads following you around online? Companies are dreaming up new ways to track us - even when we have our TV show paused! Also, job prospects are great for teens this spring and summer. Now is the perfect time for young people to enter the workforce.  Targeted Ads Ubiquitous: Segment 1 Ask Clark: Segment 2 Teen Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Google Pledges to Destroy Browsing Data to Settle ‘Incognito’ Lawsuit Why Walmart bought TV-maker Vizio for $2.3 billion - Axios Is that ad following you around the internet creepy or kind of cool?  Roku Explores an Insidious Way to Serve up Commercials Via Idle HDMI Inputs | Sound & Vision Roku forcing 2-factor authentication after 2 breaches of 600K accounts Fighting back against harmful voice cloning RESIDENTIAL REAL ESTATE BROKER COMMISSIONS ANTITRUST SETTLEMENTS If you recently sold your home, you might get part of your realtor fee back NAR settlement: Here's what to know about payouts for commission lawsuits Teens Are Spending Less This Year. Where Their Allowances Are Going. CPI Inflation Calculator  -  Value of $1.60 from 1971 to 2024 Charles Schwab Review 2023: Pros & Cons No Surprises Act Cheapest Way to Rent a Car: Expert Tips Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, why buying a gift card is now tantamount to lighting a $20 bill on fire.  Clark Stinks: Segments 1 & 2 Gift Card Draining: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Military and Veterans Guide: Free Resources for Your Finances How To Protect Your Home From Being Stolen by Squatters Florida lawmakers pass bill to revoke squatters' rights How to Lower Your Property Taxes in 4 Easy Steps Chinese Organized Crime’s Latest U.S. Target: Gift Cards What Is a CD Ladder and When Is It a Good Idea? BBB-File a Complaint Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark’s talking about scams and how to avoid them! First, a special warning if you sell or buy items on Facebook marketplace. Later, AI has enabled crooks to clone voices. This is a huge problem, enabling criminals to trick people into thinking they are talking to a relative, or even a boss. What to look out for so you don’t get ripped off.    Facebook Marketplace Scams: Segment 1 Ask Clark: Segment 2 Voice Cloning Cons: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Facebook Marketplace Scams: Everything You Need to Know Banks and Users Warn of Scammers on Facebook Marketplace 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!) Safer Ways To Send Money Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Number of 401(k) ‘millionaires’ jumped 41% last year, says Fidelity How To Open a Roth IRA / What Are Index Funds? Fighting back against harmful voice cloning What's the Best Way To Donate to a Charity? BBB-File a Complaint How To Dispute a Charge on Your Credit Card Where To Put Your Cash When You’re Saving for a Purchase in Less Than 5 Years Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

You have the power to lower your power bills this summer. Clark offers several ways to reduce summer cooling costs. Also, get notable savings with Visible’s new annual plans, plus new disclosures through broadband ‘nutrition’ labels.   Save On AC This Summer: Segment 1 Ask Clark: Segment 2 Visible Deals & New Broadband Labeling: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save Money on Utilities- clark.com 6 Smart Ways to Cut Your Utility Bills Federal Tax Credits for Energy Efficiency Energy Efficient Home Improvement Credit HELOC vs. Home Equity Loan: Similarities and Differences Homeowners Insurance Archives - Clark Howard Company and Rating Search - Best's Credit Rating - AM Best Visible Announces New Annual Plans: Save up to $145/Year Visible Review: 5 Things To Know Before You Sign Up Clark.com - CELL PHONES Broadband ‘nutrition’ labels are coming – here’s what you need to know FCC rolls out mandatory ‘nutrition labels’ for internet providers’ plans Should You Buy an Extended Warranty on Your Car? What Is an HSA Account and How Does It Work? Fidelity - Health Savings Account | HSA Investment Options Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

As promised, today Clark shares his crazy (like a fox!) idea on how to fix the housing crisis.  Also - a warning about buying a code-share airline ticket. Know how code-share tickets work, and often, don’t work.  Clark’s Housing Market Fix: Segment 1 Ask Clark: Segment 2 Code-Share Airline Tickets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why many homeowners feel trapped by low-rate mortgages [The Washington Post] Inflation keeps coming in hot, likely delaying interest rate cuts Biden’s manufacturing industry is expanding. That could be bad for inflation 3 Facts That Help Explain a Confusing Economic Moment 10 Best New Products at Costco in April 10 Secrets All Shoppers Need To Know About Costco Avoid the #1 Mistake That Car Buyers Make Simple vs. Compound Interest: Definition and Formulas Clark.com - How To Buy a Used Car How To Open a Roth IRA Help! Air Canada Ruined Our Trip to Ireland but Won’t Take the Blame. Codeshare Flights Explained - NerdWallet Follow Clark Howard's #1 Rule To Travel Cheap Hopper: Book Travel on Mobile Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The job market has been a crazy ride over the past several years, and job hopping has become commonplace. But is it still a good idea to chase higher pay? How important is stability and loyalty now? Also today - An old idea by legacy retailer Sears, which sold over 70,000 mail-order homes between 1908 and 1942, has resurfaced. Hear how Home Depot is getting in on the affordable housing market. Job Stability: Segment 1 Ask Clark: Segment 2 House Building Kits: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Does it still pay to change jobs as salary strategies shift? Here's how salary offers are trending for job hoppers as pay settles into 'new regime' The job market has hit a new normal. Here's why everyone hates it. The Cheapest Cars to Insure in 2024 What Are the Cheapest Cars To Insure? (2024 Cost Guide) Robinhood Gold Credit Card: Is It Worth It? Housing market affordability is so strained that Home Depot is selling tiny homes for $63,000   Sears Modern Homes Cancel for Any Reason Trip Insurance: Should You Buy It? What should travelers do with all these cruise credits? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, If you love cruising, good news. An old way to get really cheap cruise prices at the last minute is making a comeback.  Clark Stinks: Segments 1 & 2 Cruise Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Place To Buy a Mattress The Platinum Card® from American Express Review: Is It Worth It? Target Is Rebranding Its Credit Card Program: What You Should Know NYTimes: Standby Cruising: A New Option for Bargain Seekers Kyte Review: Why a Travel Expert Is Impressed by This New Car Rental Service Turo: 5 Things To Know About the Cheap Car Rental Service What Is a Bridge Loan and How Does It Work, With Example New to volunteering? A How-To-Guide to find the right fit Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Right now in the U.S. we have record credit card debt, a huge stressor on so many.  To add insult to injury, supposed credit repair companies make things worse for those struggling to get back on their feet. What you need to know.  Also, Clark translates the scare stories out now about the stock market and offers direction for investors.    Debt Relief Scams: Segment 1 Ask Clark: Segment 2 Investing & Dollar-Cost Averaging: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans’ credit scores are falling. That hasn’t happened in a decade Maxed Out: Inside America's Credit Card Debt Crisis -- and What We Do Next NYTimes: Judge Blocks Debt Settlement Company From Resuming Operations Carrying credit card debt? How to avoid debt relief scams How To Send a ‘Drop Dead’ Letter to a Collection Agency 6 Things To Know Before Contacting the National Foundation for Credit Counseling Clark Howard's 2024 Credit Card Debt Elimination Strategy Is an HSA the Best Way To Save for Future Medical Expenses? Will Social Security Run Out? Should investors keep riding the US markets runaway train? Barrons.com: Worried About Investing in a Frothy Market? Try Dollar-Cost Averaging. Should You Sell or Stay Put in the Stock Market? (Clark.com) Best Investment Companies for Investors in 2024 5 of Clark Howard's Most Extreme Frugal Hacks Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - How the recent credit-card settlement affects merchants and your future transactions. Also, do you need the latest greatest television? Clark explains why buying the latest TV technology is a waste of money. New Credit Card Rules: Segment 1 Ask Clark: Segment 2 Cheap TVs Are Clark Smart: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Warns Major Changes To Credit Card Rewards Are Coming Soon NYTimes: Credit Card Swipe Fees Are Going Down. Are Points Going With Them? Visa, Mastercard credit-card settlement could save businesses billions Visa, Mastercard settle long-running antitrust suit over swipe fees with merchants Is an HSA the Best Way To Save for Future Medical Expenses? Why Clark Says Everyone Should Have a Dash Cam NYTimes: Tired of Streaming? Free Blockbuster Libraries Offer an Alternative. AAA IDP International Driving Permit Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark recommends renting in a new city or state before you buy there, and has a great example of why to share with you. Also, Clark is very happy to report that the used clothing market is growing 7 times faster in the U.S. than the new market. Buying used is a great way to Spend Less! Rent Before Buying In New Locale: Segment 1 Ask Clark: Segment 2 Secondhand Clothing A WIN: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New York Post: Florida transplants fleeing in droves over relentless heat, damaging hurricanes The home insurance market is crumbling. These owners are paying the price The $10 Travel Essential Clark Howard Always Packs 5 Best Robo-Advisors in 2023 Who Should Use a Robo-Advisor? Secondhand clothing stores are red hot as consumers look to save money Clark.com  -  CELL PHONES Best Investment Companies for Investors in 2024 10 Best Free Checking Accounts in April 2024 Fidelity Investments Review 2023: Pros & Cons Team Clark Guarantee - Clark Howard Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark recently talked about GM selling off driving data to auto insurers, and 2 of his predictions about this have now come true. That update plus - another invasion of privacy by the insurance industry has come to light, this time impacting homeowners. Also today, college costs continue to skyrocket. Clark explains how this has come about, and what today’s students can do about it. Insurance Spies: Segment 1 Ask Clark: Segment 2 College Costs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: GM faces 2nd lawsuit over driver data collection without consent - from Detroit Free Press Insurance companies are using aerial images of homes as a tool to ditch properties seen as higher risk Predatory Lending: How to Avoid, Examples and Protections Should I Keep My Old Car or Buy a New Car? The Average Vehicle Age in America Some Colleges Will Soon Charge $100,000 a Year. How Did This Happen? College will cost up to $95,000 this fall. Schools say it's OK, financial aid can numb sticker shock Biden seeks student debt relief for millions How Do Student Loans Work? 7 Things to Know How To Open a Roth IRA Amazon “Prime Visa” Card Review: 5% Back for Amazon Prime Members A better way to book with points Best Rewards Credit Cards: Top Picks for 2024 Best 2% Cash Back Credit Cards: 8 Options in 2024 Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Speaking of Fridays - working hard or hardly working? There’s a trend of workers cutting out early on Fridays, and it’s not necessarily a bad thing.  Clark Stinks: Segments 1 & 2 Flexible Fridays!: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - TIRES The Basics of Municipal Bonds Travel Archives - Clark Howard /  Travel Archives - Clark Deals We’re Working Less on Fridays, and That’s OK - The Wall Street Journal. Guide to 529 Plans, Saving for College and Financial Aid Rollovers From a 529 Plan to Roth IRA: What to Know Balanced Fund: Definition, Investment Mix, Examples Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Dollar stores and other discounters are reconfiguring. Clark clears media confusion surrounding closures and discusses what makes some discount retail operations more successful than others. Also - If you want job stability with a pension, this job sector wants you! Dollar Store Closures: Segment 1 Ask Clark: Segment 2 Who Offers A Pension?: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Dollar stores are shutting down across America. They did this to themselves 99 Cents Only Stores to close all 371 spots in 'extremely difficult decision,' CEO says - USA TODAY Dollar Tree Raises Max Price to $7: Which Items Will Cost More? Clark Howard's 5 Money Tips for Couples How to Freeze Your Child's Credit Research shows federal workers are effective and committed, not subversive — The Conversation [The Washington Post] The government has a workforce crisis. One of its best-kept secrets can fix it. Portfolio Lender: Meaning, Overview, Pros and Cons Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark updates EV deals with Tesla now in the mix. Also, what to know about digital wallet options including Paze, a new entry from the big banks. Tesla Deals: Segment 1 Ask Clark: Segment 2 Digital Wallets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What’s wrong with Tesla? [The Washington Post] Ready or not, self-driving semi-trucks are coming to America’s highways Should You Take Your Pension in a Lump Sum or Monthly Payments? Pension Benefit Guaranty Corporation: Home Page Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option The Family Digital Wallet Is A $26 Billion Deposit Opportunity For Banks NYTimes: The Youths Have Spoken: Wallets Are Lame. Go Digital. Millions of small businesses have a new reporting requirement. Here's what to know. Bogleheads Investing Advice and Info Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Often at checkouts, we’re asked to donate to a cause by rounding up our payment or contributing one dollar. How do you decide when to give? Also, as a result of giant hospital systems buying up practices, you may be charged a significant “facility fee” at doctors appointments. Be ready by asking the right question in advance. Plus, out-of-network charges are being manipulated by private equity, costing patients more. Checkout Charity: Segment 1 Ask Clark: Segment 2 Medical Facility Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Choose the Best Charities for Your Donations What's the Best Way To Donate to a Charity? That spare change you donate at checkout is adding up to millions for charities A Simple Trick To Paying Off Your Credit Card Faster How To Open a Roth IRA This Small U.S. City Was Just Named the Best Place to Retire With No Savings. The Best Places to Retire in the World Hospitals Are Adding Billions in ‘Facility’ Fees for Routine Care - The WSJ NYTimes: In Battle Over Health Care Costs, Private Equity Plays Both Sides NYTimes: Health Insurers’ Lucrative, Little-Known Alliance: 5 Takeaways NYTimes: Insurers Reap Hidden Fees by Slashing Payments. You May Get the Bill. What Is a Backdoor Roth IRA? CarEdge | Buy, Sell, and Protect New & Used Cars - CarEdge Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses filing an extension and what to do if you don’t have the money to pay income taxes. Also, many of us are dealing with sky-high valuations of our property, and Clark has a personal story to tell. Filing A Tax Extension: Segment 1 Ask Clark: Segment 2 Property Tax Appeals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Tax return extensions: Why you should (or shouldn't) do it and how to request one When Are Taxes Due? Important Tax Dates in 2024 The IRS has 940,000 unclaimed tax refunds from 2020 that are about to expire. Is one of them yours? Advice | IRS has $1 billion in 2020 tax refunds. Time is running out to collect. AT&T Reset 7.6 Million Customers’ Passcodes After Data Breach - The WSJ NYTimes: AT&T Resets Millions of Passcodes After Customer Records Are Leaked Everything to Know About the Alleged AT&T Data Leak: What You Can Do to Protect Yourself How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State What Brokerage Do You Recommend for First-Time Investors or Kids? The ‘Echo Housing Boom’ is here 3 Places You Should Never Invest Your Money What Is a Fiduciary Financial Advisor and Do I Need One? How To Open a Roth IRA Best Investment Companies for Investors in 2024 Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. And today Clark revels in listener reprobation for his rank, malodorous missteps on a slew of topics - for the entire podcast. Ah the smell of it!   Mentioned on the show: Best Rewards Credit Cards: Top Picks for 2024 Reps demand answers to U.S. Postal Service delays across state, country Want To Guard Your Privacy Online? Search the Web With DuckDuckGo Best Travel Credit Cards: Top Rewards Picks for 2024 American Express Credit Cards Clark Predicts Traditional 401(k)s, IRAs Will Cease To Exist Within a Decade Target Drive Up Review: How Target Grocery Pickup Works How Do Student Loans Work? 7 Things to Know Follow Clark Howard's #1 Rule To Travel Cheap 5 Things To Know Before You Buy Costco Clothes When Is the Best Time To Collect Social Security? Will Social Security Run Out? My Social Security: The Free Account Everyone Needs To Set Up Before Retirement Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark shares an important warning for anyone who has a relative or friend in a nursing home, assisted living, hospital or any other medical facility. Also - Self-checkout seemed like a great idea, until stores realized how much theft was occurring. Expect to see some changes in this area.  Medical Facilities Payment Scheme: Segment 1 Ask Clark: Segment 2 Retail Self-Checkout: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why a financial regulator is going after health care debt 3 Things to Know Before You Lease a Car TrueCar | New & Used Cars for Sale | Car Pricing & Reviews Electrek | EV and Tesla News, Green Energy, Ebikes, and more Carfax Electric Car Lease Deals Which Are The Cheapest Electric Cars To Lease? How to Shop for Lower Car Insurance Best Auto Insurance Companies and Some of the Worst Best And Worst Homeowners Insurance Companies Submit a complaint | Consumer Financial Protection Bureau New York Post: Target to limit self-checkout to 10 items as stores trend away from the technology amid concerns of theft New York Post: Dollar General drops self-checkout at hundreds of stores to reduce theft 5 Reasons Sam's Club Is Better Than Costco Getting a Ton of New Credit Card Offers? Here’s What You Need To Do Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The membership business model has overtaken retailers large and small. Clark compares offerings from Target, Walmart, Amazon and 2 warehouse clubs, with a directive for consumers. Also, as if timeshares aren’t bad enough, organized crime is now getting into the resale scam game. Retail Memberships: Segment 1 Ask Clark: Segment 2 Cartels Target Timeshares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Barrons: Delivery Is Retail’s New Game. How the Players Stack Up. Target Is Rebranding Its Credit Card Program: What You Should Know Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? How To Manage Your Monthly Subscriptions To Save Money Parent PLUS loans can be a debt trap. Here's a loophole Income-Contingent Repayment (ICR) Annual Updates to the Income-Contingent Repayment (ICR) Plan Formula for 2023-2024 Income-Driven Repayment Plans What Are the Tax Consequences of Debt Settlement? NYTimes: A Mexican Drug Cartel’s New Target? Seniors and Their Timeshares Clark.com - Timeshares How To Sell, Cancel or Get Rid of Your Timeshare 5 Steps To Getting a Good Deal on a Hotel Room How To Plan a Trip: Clark's Best Travel Tips To Save Money  Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

During the pandemic, many people decided to buy or adopt a dog. Due to changing circumstances, many former “pandemic puppies”  are now in need of homes, presenting an opportunity for would-be pet owners. Also today, scams have morphed over the decades and exploded with technology. It pays to be savvy to the latest permutations of tech imposter scams. Pandemic Puppies Fill Shelters: Segment 1 Ask Clark: Segment 2 Tech Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Survey: 91% of dog owners have experienced financial stress over the cost of pet ownership - USA Today       Clark.com - Is Pet Insurance Worth It? 10 Things Homeowners Insurance Doesn't Always Cover Discover Free Checking Account - No Fee Cashback Debit The Safer Way To Use Your Debit Card New tech support scammers want your life savings Never move your money to “protect it.” That’s a scam What’s a verification code and why would someone ask me for it? Will your bank or investment fund stop a transfer to a scammer? Probably not Did you get a call or text about a suspicious purchase on Amazon? It’s a scam 16 of the Best High-Yield Online Savings Accounts What Is a SEP IRA and Who Is Eligible? Best Investment Companies for Investors in 2024 Southwest - Transferable Flight Credits Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Much in the news lately - houses overtaken by squatters, or stolen through title theft. Clark discusses which homes are most vulnerable and what to be aware of as a homeowner. Also today, why credit card rewards are not always worth it. Clark discusses how reward cards work, and what it takes to reap the benefits.  Anti-Squatter Statutes: Segment 1 Ask Clark: Segment 2 Credit Card Rewards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Protect Your Home From Deed Theft    New York Post: NYC couple are sued by squatters who allegedly took over their $930K investment home and won’t leave: ‘It’s absolutely absurd’ Home Title Lock: Is It the Same As Home Title Insurance? How To Protect Your Home From Being Stolen by Squatters Are Indexed Universal Life Insurance Policies a Good Option or a Scam? Why You Should Never Mail a Check The deceptive math of credit card rewards: Spending for points doesn't always make sense - USA TODAY Clark.com - Credit Cards Should You Ever Book a Nonrefundable Hotel Room? BBB-File a Complaint 7 Rules for Buying a Cheap Car With Cash Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, a handful of automakers are selling their customers down the river and it’s an inexcusable invasion of privacy that impacts insurance premiums.  Clark Stinks: Segments 1 & 2 Automakers Selling Driving Data: Segment 3 Ask Clark: Segment 4 Mentioned on the show: PenFed Power Cash Rewards Visa Signature® Card Review: Up to 2% Unlimited Cash Back When Should You File a Claim on Your Homeowners Insurance? What Is a SIMPLE IRA and How Does It Work? What Is a SEP IRA and Who Is Eligible? Best Investment Companies for Investors in 2024 What Is a Fiduciary Financial Advisor and Do I Need One? How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Should You Allow Your Auto Insurance To Monitor Your Driving? New York Post: Your car is secretly spying on you and driving your insurance rates through the roof: report NYTimes: Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies What Is a C.L.U.E Report and Its Impact on Your Insurance How to Dispute Your C.L.U.E. Report How To Open a Roth IRA How to Buy a New Car in 5 Steps Study: The 10 Best New Cars for the Money Rollovers From a 529 Plan to Roth IRA: What to Know Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With more employers saying they no longer require a college degree for employment, Clark discusses the importance of a college education for your career long-term. And for the 2/3rds of adults without a degree, Clark shares valuable occupational tools. Also, relief is in sight, as price cutting from 2 major retailers may influence the market overall.  College Degrees And Employment: Segment 1 Ask Clark: Segment 2 Retailers Announce Price Cuts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: More employers now say they’re willing to hire workers without a college degree. But is that playing out?  New Tool Matches Your Skills With High-Paying Local Occupations Occupational Mobility Explorer 6 things you need to know before donating your used vehicle TheStreet: Costco shares a new pricing policy members will love New York Post: Ikea makes bold promise to continue price cuts in US — here’s why Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone 5 Steps To Getting a Good Deal on a Hotel Room Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The percent of income we save, our savings rate - is the key indicator of financial health. So how are we doing right now? Also - How much exercise do you really need to make a difference in your health, and ultimately your wallet? Only 25% of Americans get the recommended amount of exercise. New data reveals what a big difference the minimum requirement can make for those who are mostly sedentary. American Savings Rates: Segment 1 Ask Clark: Segment 2 Arise From The Couch: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans are saving less and spending more. Could that raise the risk of recession? Bankruptcy filings are on the rise. Here's why an even bigger surge is looming. Why 'Buy Now, Pay Later' Worries Clark Howard My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Car Rental Insurance: Everything You Need To Know How Much Exercise Do You Need? More Than You Think—But Every Little Bit Helps. Donor-Advised Funds: The Benefits and Drawbacks Vanguard Charitable: Home What Is Black? Uber Black Car Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The U.S. has become the world’s premier oil producer. As we plan our summer road trips, Clark explains how this status along with global factors affect gas prices. Also, how developing technology in vertical farming can cleanly help feed the planet. Summer Gas Prices: Segment 1 Ask Clark: Segment 2 Vertical Farming Solutions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: U.S. government tells Americans: ‘We’re producing more crude oil than any country, ever’       America's Oil Boom / AAA Gas Prices Surging gas prices just hit a significant milestone Ask Clark: Is the 4% Retirement Rule Still Accurate? What Is the 4% Rule for Withdrawals in Retirement and How Much Can You Spend? All-In-One Mortgage: Definition, How It Works, Pros & Cons This ‘GigaFarm’ in the desert could produce 3 million kilograms of food What Is an HSA Account and How Does It Work? Fidelity - Health Savings Account | HSA Investment Options Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses the risks you face with security cameras in your home. Also in this episode, Clark has talked about how to hire a financial planner, but what about becoming one yourself? There’s now a greater demand for financial planning services with jobs in this field expected to grow in the next decade. Security Cameras & Your Privacy: Segment 1 Ask Clark: Segment 2 Financial Planning Careers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: That security camera & smart doorbell you’re using may have some major security flaws [The Washington Post] Knockoff doorbell cameras from Amazon, Walmart aren’t safe Why We've Stopped Recommending Wyze Home Security Devices at CNET Should I End My Authorized User Status With My Parents’ Credit Card Now That I’ve Established Credit? How Many Credit Cards Should I Have? Homeowners Insurance Archives - Clark Howard How To Find and Choose a Financial Advisor Financial planning careers are open for business What Should I Do With My 401(k) at My Old Company? What Is a 403(b) and How Does It Work? What Are Index Funds? How ‘Buffer’ ETFs Can Cushion a Major Market Selloff Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Recent data proves the point: You CAN achieve financial independence, habitually building reserves by living on less than what you make and investing wisely. Clark Stinks: Segments 1 & 2 Financial Independence: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Your money could fall into the wrong hands if you don’t update this crucial information Wills & Funerals Archives - Clark Howard Dealerships Begin Swimming In Vehicle Inventory - Here Is Who's Drowning - AutoSpies Target launches new paid membership program in a bid to drive sales at a time of cautious spending Homeowners Insurance Archives - Clark Howard Number of 401(k) ‘millionaires’ jumped 41% last year, says Fidelity Clark.com SAVINGS TABLE   /   How To Open a Roth IRA Home Equity Loans & Lines of Credit: 7 Common Questions Answered 6 Tips for Hiring a Contractor Target Date Funds: Clark's Favorite Retirement Investment How To Find and Choose a Financial Advisor Lost, Delayed, or Damaged Baggage How To Pack a Carry-On the Right Way Travel Archives - Clark Howard   /   Travel Archives - Clark Deals Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

You may have heard about Wendy’s experimenting with “surge” pricing. This was a miscommunication about dynamic demand pricing. Clark explains. Also today, Clark discusses when you should NOT trust AI and what to know about Google search results.  Dynamic Demand Pricing: Segment 1 Ask Clark: Segment 2 AI’s Troubled Infancy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Surge Pricing Is Coming to More Menus Near You - The Wall Street Journal. Wendy's 'dynamic pricing' drew backlash, but experts say the concept is here to stay Wendy’s Makes It Clear After Backlash: No Surge Pricing - The Wall Street Journal. Safer Ways To Send Money How Many Bank Accounts Should You Have? - Clark Howard How To Avoid ATM Fees Best Credit Cards With No Foreign Transaction Fees in 2024 5 Money Tips To Know Before You Travel Abroad [The Washington Post] TurboTax and H&R Block now use AI for tax advice. It’s awful. AI is not ready for primetime   A Fake Bill Ackman Is Scamming Investors Out of Millions on Facebook - The WSJ Five Biggest Frauds To Watch Out for in 2024 The Free Tool You Should Be Using Before You Fill a Prescription at CVS or Walgreens GoodRx Review: 10 Things To Know Before You Use GoodRx Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs Clark Deals - Today's Best Deals of the Day Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has news for parents and grandparents saving for a child’s college education. Also in this episode, reversals in the auto industry are landing many existing car loans underwater. What to do if you are upside down in a car loan. 529 Plan Update: Segment 1 Ask Clark: Segment 2 Upside Down Vehicle Loans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Use the 529 Grandparent Loophole to Maximize College Savings Best 529 College Savings Plans By State Rollovers From a 529 Plan to Roth IRA: What to Know Target Date Funds: Clark’s Favorite Retirement Investment How To Find and Choose a Financial Advisor Car values plummet, putting car loans underwater More car owners are underwater on loans because of lower trade-in values What Is Gap Insurance? Definition, How It Works, When to Buy How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In medicine today, there’s ongoing conflict between insurers and providers and we’re caught in the middle. This necessitates a clear directive for you before you go to any doctor appointment. Also -  In free enterprise capitalism, what is core and key for enduring success?  Clark shares a case in point. Assignment: Reverify Medical Network: Segment 1 Ask Clark: Segment 2 A Requirement For Success: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] How your in-network health coverage can vanish before you know it  ‘They’re Freaking Out’: Letters Warn Patients They Risk Losing Their Doctor - The WSJ What Is an HSA Account and How Does It Work? Ask Clark: What Is a Backdoor Roth IRA?   /   What Are Index Funds? NYPost: Dollar General store briefly shuts down after entire staff quits over 7-day work weeks, ‘lack of appreciation’ NYTimes.com: Walmart Wants to Teach Store Managers Compassion Warning: Read This Before You Sell I Bonds Vanguard - Bonds: Diversify Your Portfolio and Earn More Credit Score Guide What Type of Medical Alert Device Should I Buy for My Husband? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

U.S. real estate commissions have been roughly triple those elsewhere in the developed world. Clark explains how recent settlements in the industry will actually play out over time in terms of commissions. Also in this episode, Clark shares new cruise booking insights based on a recent experience. Real Estate Commissions: Segment 1 Ask Clark: Segment 2 Summer Cruise Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Closing Costs for Buying a Home Have Risen Along With Rates The 6% commission on buying or selling a home is gone after Realtors association agrees to seismic settlement Realtors settlement expected to lower housing prices Five Ways Buying and Selling a House Could Change NYTimes: Powerful Realtor Group Agrees to Slash Commissions to Settle Lawsuits NAR agrees to settle commission lawsuits that rocked the real estate world 'Everything is rising at a scary rate': Why car and home insurance costs are surging Clark.com SAVINGS TABLE Clark.com - CRUISES Should You Ever Book a Nonrefundable Hotel Room? Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? Will TSA's New Self-Screening Service Save You Time At The Airport? TSA unveils first self-screening security lane at Las Vegas airport TSA unveils a prototype self-service airport checkpoint security screening system Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - The travel industry can be unstable. Another cruise line recently shut down. Know Clark’s number one rule for booking travel and protecting your money. Clark Stinks: Segments 1 & 2 Travel Booking Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Best International Phone Plans What Should You Do About Phone Data on an International Trip? American Queen Voyages Cancels All Cruises, Shuts Down Operations Best Travel Credit Cards: Top Rewards Picks for 2024 The Only Way You Should Pay for a Cruise Travel Insurance: What You Need To Know Before You Buy Why You Should Never Use a Debit Card To Pay for Anything How To Plan a Trip: Clark's Best Travel Tips To Save Money Should I Buy Additional Insurance From a Rental Car Company? Amex EveryDay® Credit Card Review: 15 Months of Intro 0% APR Credit Card Car Rental Insurance: What You Need To Know Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

This Special Edition features Wes Moss, host of the Retire Sooner Podcast. Wes is a fiduciary fee only planner, who shares his investing expertise on a range of topics, including listener questions submitted at Clark.com. Warren Buffet & An Overvalued Market: Segment 1 Ask Clark: Segment 2 Stocks & Funds: Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Wes Moss - Retire Sooner Read Warren Buffett's 2024 annual letter to shareholders Warren Buffett's annual investor letter is out. Here are the biggest takeaways. 3 pieces of investment advice from Warren Buffett's annual letter to Berkshire Hathaway shareholders Clark.com - INVEST & RETIRE Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

After the economic turmoil of the past 15 years, many workers struggle financially which affects their well-being and productivity. Clark discusses how employers are addressing this. Also, a huge financial drain on so many, long-term care, is becoming increasingly tougher to insure.  Small Business Retirement Plans: Segment 1 Ask Clark: Segment 2 Long-Term Care Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Workplace Financial Coaching Has Become Ever More Important Retirement Plans Startup Costs Tax Credit Small Business Retirement Plan Options Fidelity Rewards Credit Card Review: Invest with 2% Cash Back Should You Ever Take a Loan From Your 401(k)? How Mileage Brokers Ruin Miles & Points For Everyone NYTimes: Difficult Choices for Some Long-Term Care Policyholders ‘Financial Ruin Is Baked Into the System’: Readers on the Costs of Long-Term Care   What Is Long-Term Care Insurance Cost & Coverage What Are the Pros and Cons of the Costco Car Buying Program? The Best Car-Buying Services in 2024 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In researching auto insurance, Clark has discovered some stats about the wide cost differences between various companies that will motivate you to shop auto insurance at renewal time if you're in bill shock. Also, have you noticed car washes popping up all over where you live? Learn what the deal is so you don’t get hosed.  Shopping Auto Insurance Pays: Segment 1 Ask Clark: Segment 2 Car Wash Subscriptions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: A major auto insurer returns to California — with a 30% price hike How to Shop for Lower Car Insurance Car Insurance Archives - Clark Howard 6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster What Should I Do if I Need a Car Right Now? Why Are There Suddenly So Many Car Washes? Are Car Wash Memberships Worth It? How To Create a Will Online  Best Online Will Maker: 5 Free or Cheap Options Who Should Consider Setting Up a Trust? Rollovers From a 529 Plan to Roth IRA: What to Know Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Vehicle inventory is way up for some brands, and this creates an advantage for potential car buyers. Clark shares where the deals are. Also - There’s a shift going on with the U.S. energy supply and the way it’s provided. Clark has advice on the best play for your wallet based on the changes going on. New Car Deals: Segment 1 Ask Clark: Segment 2 Renewable Energy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Dealerships Begin Swimming In Vehicle Inventory - Here Is Who's Drowning - AutoSpies Car Prices Are Finally Coming Down. It Looks Like a Buyer’s Market. How to Buy a New Car in 5 Steps Warning: Why You Should Never Buy Visa Gift Cards What Is an ABLE Account? WSJ: U.S. Renewable Power Growth Is Setting New Records on the Back of Federal Support  Best Term Life Insurance Companies, Plans & Coverage NYTimes: She Ordered an Ashtray and Got a Can of Tuna Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark discusses an important factor for many that is purposely ignored by credit card review sites - interest rates on cards. How do you find the best deal?  Clark Stinks: Segments 1 & 2 Best Credit Card Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Choose the Right Dog Rescue Group 4 Things To Know Before You Sign Up for YouTube TV The Platinum Card® from American Express Review 2023: Is It Worth It? How To Find and Choose a Financial Advisor Should I Buy Additional Insurance From a Rental Car Company? My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? NYTimes.com: Looking for a Lower Credit Card Interest Rate? Good Luck. CFPB - Credit card data: Small issuers offer lower rates Why Are More People Using Small Banks And Credit Unions? Navy Federal Visa cashRewards Card Review: Cash Back Credit Card Credit Union vs. Bank: What's the Difference? Home Equity Loans & Lines of Credit: 7 Common Questions Answered 6 Things To Know Before Contacting the National Foundation for Credit Counseling How one couple paid off $40K of debt in 24 months Clark Howard's 2024 Credit Card Debt Elimination Strategy Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Regarding your heart health, Clark shares news of a non-invasive test you can do routinely that can be very telling. Also in today’s show, Clark gives you the lay of the land for potential home buyers and sellers this spring, including buyer incentives on new builds.  Taking Heart Health In Stride: Segment 1 Ask Clark: Segment 2 The Spring Home Buying Season: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Gait speed is one of your vital signs, so make sure yours is OK Frontier Discount Den  /  Kids Fly Free Waiting for the Spring Selling Season to Buy or Sell a Home? That May Be Delayed Stamps.com - Postage On Demand How Can I Find Out Why My Credit Score Just Dropped? 4 Ways To Get Your Free Credit Score Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

What are you paying for home internet? One provider that was low cost has now raised its prices. Clark tells you how to shop around for the best price based on your particular internet needs. Also- there’s a segment of the population long ignored when it comes to financial literacy. Clark discusses this gap and how to fix it.  SAVE MORE On Home Internet: Segment 1 Ask Clark: Segment 2 Financial Literacy For Senior Women: Segment 3 Ask Clark: Segment 4 Mentioned on the show: T-Mobile quietly raises Home Internet monthly price to $60 for new customers Internet Archives - Clark Howard UPGRADE - Cash Rewards Elite Card There’s a financial literacy gender gap − and older women are eager for education that meets their needs — The Conversation Investing & Retirement Archives - Clark Howard What Is a Roth 401(k) and How Does It Work? How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment What Is a Solo 401(k) and How Does It Work? What Is a SEP IRA and Who Is Eligible? 3 Simple Ways To Delete Your Google Data Want To Guard Your Privacy Online? Search the Web With DuckDuckGo 13 Steps To Keeping Your Email Safe and Secure 16 of the Best High-Yield Online Savings Accounts What Are Index Funds? / Clark.com SAVINGS TABLE How Much Should You Have Saved for Retirement by Now? Best Investment Companies for Investors in 2024 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a lot of talk and concern about traditional 401(k)s and IRAs going away. Clark explains. Also in this episode, baggage fees are rising again, increasing the cost of flying for customers. What to know before you get to the airport.  Future 401(k)s & IRAs: Segment 1 Ask Clark: Segment 2 Airline Baggage Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Predicts Traditional 401(k)s, IRAs Will Cease To Exist Within a Decade Do Not Give Your Social Security Number at These Places How Many Bank Accounts Should You Have? - Clark Howard 16 of the Best High-Yield Online Savings Accounts Best Investment Companies for Investors in 2024 United Airlines is also raising its checked bag fee. See by how much. - USA TODAY Get Ready for $40 Luggage Fees - The Wall Street Journal. NYTimes.com: How to Pack for a Two-Week Trip With One Small Suitcase How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Best Travel Credit Cards: Top Rewards Picks for 2024 Best Cash Back Credit Cards With No Annual Fee in 2024 Should You Ever Buy Travel Medical Insurance? 6 Best Apps To Save Money on Groceries Flipp – Flyers, Shopping List, Weekly Ads | Flipp Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Junk fees are being imposed all over the place in all manner of ways these days. A new California law is going to end that practice in the state, with nationwide implications. Meantime, your Clark smart approach to purchases can help protect your wallet. Also - First TurboTax, now H&R Block is in trouble for pressuring customers to overpay. There’s a better way! Anti Junk Fee Law: Segment 1 Ask Clark: Segment 2 Tax Filing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What does a service fee ban mean for diners? Expect higher menu prices — a lot higher Inflation is cooling, but small businesses are still suffering NYTimes: It’s a Great Deal, Before the ‘Drip Pricing’ ENERGY STAR® | Department of Energy FTC says H&R Block pressures people into overpaying for tax prep New York Post: H&R Block used deceptive ads, pressured users into overpaying, deleted tax data: FTC FTC finds TurboTax “free” is not free for most 8 Free Federal and State Tax Filing Services for 2024 Free File: Do your taxes for free | Internal Revenue Service Direct File | Internal Revenue Service When Should You Get an Accountant To Do Your Taxes? Why co-signing a loan can be bad on almost every financial level New York launches probe into nationwide AT&T network outage 16 Items To Pack in Your Financial Emergency Kit Amateur Radio Service / Amateur radio National Credit Union Administration (NCUA) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode: New data on US worker productivity and why this is good news for our economic growth and well-being.  Clark Stinks: Segments 1 & 2 American Productivity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Free Advice: Clark's Consumer Action Center - Clark Howard Fidelity - Automated investing: How to save and invest more Credit Karma Review: Free Credit Score and More at Your Fingertips How To Monitor Your Credit How is the U.S. Postal Service governed and funded? How to sell your house by owner Google Fit NYTimes.com: Can America Turn a Productivity Boomlet Into a Boom? What Is Term Life Insurance? The Power of Compound Interest: Calculations and Examples Always Ask Your Pharmacist the Price of Your Prescription Without Insurance 7 Things To Know About Costco Pharmacy Save On Prescription Drugs - Clark.com Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Banks are heavily exposed to the troubled commercial property market. Clark discusses what this means for small businesses and individuals.  Also, facial recognition and biometric digital ID is becoming more prevalent, transforming your airport experiences. This brings both convenience and privacy concerns.  Clarkonomics: Segment 1 Ask Clark: Segment 2 Travel Biometrics: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Bad property debt exceeds reserves at largest US banks IntraFi - CEDARS Why Big Banks Are a Bad Place for Your Cash Best Investment Companies for Investors in 2023 How To Open a Roth IRA When Do You Need a Travel Agent? Booking a Cruise? Here Are 5 Ways To Do It for Less Facial Recognition: Coming Soon to an Airport Near You TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? 5 Money Tips To Know Before You Travel Abroad What’s the Best Way To Exchange Dollars for Foreign Currency? MouseSavers.com: Disney discounts, deals & coupons guide Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A wonderful culture shift has taken place. Younger generations are becoming rich, and not through hitting the lottery or buying hot stocks. There are simple ways to make this happen, and we have a new tool at Clark.com to help you see how much you can save over time. Also today, bargains keep getting better! Target is getting more competitive with a storewide discount brand. Youth Saving & Investing: Segment 1 Ask Clark: Segment 2 Target’s New Discount Brand: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com SAVINGS TABLE Want to retire with a million bucks in the bank? Here's one tip on how to do it. - USA TODAY WSJ.com: These Teenagers Know More About Investing Than You Do Wealth Inequality by Age in the Post-Pandemic Era How Much Should You Have Saved for Retirement by Now? How a summer job could turn you into a millionaire Investing & Retirement Archives - Clark Howard Understanding Velocity Banking, and How It Helps You Rapidly Pay Down Debt What Is Homeowners Insurance? Target creates its cheapest in-store brand as consumers are squeezed Target's new low-cost brand dealworthy gives bargain hunters a new department to shop at with prices lower than $1. The Best Car-Buying Services in 2024 / How to Buy a Used Car in 7 Steps 5 Reasons Sam’s Club Is Better Than Costco Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

More than 40% of homeowners carrying a mortgage right now are over age 65. Clark discusses the implications of this obligation in terms of interest rates, loan term lengths and home prices. Also, how much can you trust a website’s chatbot? Air Canada recently got into trouble over its AI bot. What you need to know about AI in the information space, including a NEVER rule about searches.  Having A Mortgage At Age 65+: Segment 1 Ask Clark: Segment 2 AI Chatbot & Search Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYT Keeping a Mortgage After 65: A ‘No Brainer’ or a Big Risk? Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need Term Life vs. Whole Life Insurance: Understanding the Difference What Is Term Life Insurance? How To Buy Term Life Insurance in 7 Easy Steps Best Investment Companies for Investors in 2023 Best Auto Insurance Companies and Some of the Worst Why You Need To Re-Shop Your Car Insurance Right Now Homeowners Insurance Archives - Clark Howard New York Post: Air Canada ordered to refund passenger after ‘misleading’ conversation with site’s AI chatbot 5 Money Tips To Know Before You Travel Abroad What’s the Best Way To Exchange Dollars for Foreign Currency? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’ve recently sold I Bonds and/or receive 1099s, Clark has an important tax tip for you. Also today - Clark discusses some employment cross currents in play now to keep in mind as you survey the job market, and for employers to be aware of as they seek workers. I Bond Tax Tip: Segment 1 Ask Clark: Segment 2 What Workers Want: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should You Sell Your I Bonds Right Now? Making Money on I Bonds Was Easy. The Tax Paperwork Isn’t. - The Wall Street Journal. How to Freeze Your Credit With Experian, Equifax and TransUnion How getting a second opinion can stop you being ripped off — The Conversation Americans want more control over when they work, not just where  Employee salary expectations are evolving — and escalating a threat for businesses How to find a job you’ll actually like Workers are spending a lot of money returning to the office — and it's raising turnover risks [The Washington Post] The best times to book cheap flights for every vacation season Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to a SPECIAL EDITION of  the Clark Howard Show, where our mission is to serve and empower you to make better financial decisions in your life. Today, Clark hits on a few key basic strategies to have more money in your life: They are: - SPEND LESS: Need vs. Wants and how to tell the difference - Clark’s strategy to start saving TODAY for retirement - regardless of your age - SAVE MORE on transportation - AVOID GETTING RIPPED OFF by protecting your identity and credit Segment 1: Behavioral - Back to basics on needs vs. wants Segment 2; Start saving today for retirement Begin with 1%, or up to an employer match if possible and available  When you get a raise, pretend you didn’t and increase your contribution Segment 3: Only buy a car you can afford If you have to take a loan, 42 months maximum Compare loans Consider buying used  Segment 4: Protect your identity Don’t ever carry checks or your Social Security card Your credit is the key to your identity -Freeze your credit!  Don’t use a debit card Use virtual card numbers online Mentioned on the show: Six Essential Questions to Ask Yourself Before Making a Major Purchase Advice | Fear of missing out can keep you broke. Fight the spending temptation. Why are sales so hard to resist? It's your brain, on discounts How To Save Money: Spend Less & Build Your Savings  /  Save Money Archives How To Save and Invest the Clark Howard Way Avoid the #1 Mistake That Car Buyers Make Clark.com - Buying A Used Car /  How To Buy A Vehicle Should I Ever Buy Extras Car Dealerships Sell in Their F&I Departments? How To Prevent, Report and Repair Identity Theft Do Not Give Your Social Security Number at These Places 7 Items You Should Never Carry in Your Wallet Why You Should Never Mail a Check How to Freeze Your Credit With Experian, Equifax and TransUnion Why You Should Never Use a Debit Card To Pay for Anything The Safer Way To Use Your Debit Card Virtual Credit Cards: An Online Security Measure Worth Taking? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Clark has serious reservations about the breakdown of standards in the hotel industry, especially when it comes to booking a room. There’s important new info to be aware of when planning travel.  Clark Stinks: Segments 1 & 2 Hotel Booking Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 15 of the Best Free Workout And Fitness Apps How To Get a Gym Membership for Practically Free 6 Things to Know About the SilverSneakers Program for Seniors Food Expiration Dates: What You Need To Know Food Product Dating | Food Safety and Inspection Service Should I Pay Off Debt, Save Money or Invest? Warehouse Clubs Archives - Clark Howard Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Where You Should (and Should Not) Book Your Next Vacation How Often Does Clark Book Travel Via Capital One Travel When It’s Often More Expensive? 5 Steps To Getting a Good Deal on a Hotel Room Should You Ever Book a Nonrefundable Hotel Room? Investopedia - Retirement Planning: Strategies, Tools, Choices Retirement Planning: Strategy, Savings and Income Fidelity Investments | Retirement Guidance Education | Retirement Plan Services - Schwab Workplace Invest & Retire - Clark.com What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor How to Freeze Your Credit With Experian, Equifax and TransUnion How To Create a Safe Password Ambulance rides can be costly — and consumers aren't protected from surprise bills Habitat for Humanity - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A common mistake car owners make is facilitating the rise in auto theft. There are 2 things you can do to protect your wheels. Also today - After the health club failures of 20 & 21 the industry roared back and stayed strong through 23. New stats show that trend is now reversing, which will affect the offers you’ll see. Clark explains the best way to handle gym membership to protect your wallet.  Car Theft Prevention: Segment 1 Ask Clark: Segment 2 Gym Memberships: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How one city took on rising car thefts — and brought the numbers down 10 Ways To Save Money on Car Insurance How To Open a Roth IRA Credit Card Car Rental Insurance: What You Need To Know Non-Owner Car Insurance: Who Needs It? - Investopedia What Is Umbrella Insurance and Do You Need It? How To Get a Gym Membership for Practically Free Should You Buy Out Your Leased Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Scammers are using a new tactic to get to you and your money, and it’s up close & in person.  Also, the days of working for one company for an entire career are long gone. Clark discusses creating financial stability in an age marked by inconsistent and unstable employment. FBI Scam Warning: Segment 1 Ask Clark: Segment 2 Job Uncertainty & Your Savings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When cybercrime leaves the web: FBI warns that scammers could come right to your door - USA TODAY Consumer Reports Lists Ten Most Reliable Cars [The Washington Post] This fridge hack can slash your food waste The myth of men’s full-time employment — The Conversation How To Save Money: Spend Less & Build Your Savings How Much Money Do I Need in My Emergency Fund? How To Find Cheap Flights in 3 Easy Steps The Best Place To Buy a Mattress  How Can I Get Rid of My Old Mattress Cheaply? 10 Best Restaurant Apps for Fast Food Deals Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses “nonprofit” hospitals and two crucial steps to take if you get a large hospital bill. Also today, there are multitudes of properties bought for the sole purpose of renting them out, but the rules of the game keep changing. To protect your finances, follow Clark’s rule for buying investment properties. Negotiate Hospital Bills: Segment 1 Ask Clark: Segment 2 Short Term Rental Property: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Nonprofit hospitals have an obligation to help their communities, but the people who live nearby may see little benefit — The Conversation Have medical debt? Anything already paid or under $500 should no longer be on your credit report When Do You Tell a Car Dealership You're Paying Cash? Palm Springs capped Airbnb rentals. Now some home prices are in free-fall Use of cameras and recording devices - Airbnb Help Center How To Open a Roth IRA How Many Credit Cards Should I Have? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A common text scam just attempted to infiltrate Clark’s own company. Hear how that turned out! Also today,  a warning if you receive packages from online retailers, and the one thing you need to do immediately when you do receive an item.  Text Scam Targets Companies: Segment 1 Ask Clark: Segment 2 Retail Return Fraud: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Do Your Boss a Favor and Don't Fall for a Gift Card Scam - ITRC Think you know what the top scam of 2023 was? Take a guess What Brokerage Do You Recommend for First-Time Investors or Kids? What's the Best Savings Account for a Teenager? Hot Water Recirculation Systems Streaming TV - Clark.com NYTimes: She Ordered an Ashtray and Got a Can of Tuna Types of Health Insurance Plans Should You Ever Decline a Credit Limit Increase? How To Increase the Credit Limit on Your Credit Card Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, do you or someone you know have a safe deposit box? Clark has a very important warning if the answer is yes.  Clark Stinks: Segments 1 & 2 Unsafe Deposit Boxes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Things To Know About Series I Savings Bonds Should You Sell Your I Bonds Right Now? When Is the Best Time To Collect Social Security? Which Home Security Systems Rank Better Than Ring? Clark Howard's Simple Steps To Get Better Customer Service The US Sun: A judge dismissed my lawsuit against Chase when $100,000 & a $10k necklace vanished – years later I saw it on TV Is a Safe Deposit Box Really Safe? How Should I Handle Car Insurance for My Teenage Driver? 5 Steps To Getting a Good Deal on a Hotel Room Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

CDs - Are they still a good deal? Given where inflation and interest rates are heading, Clark explains that we’ve arrived at a tipping point for savers, and how to best put your money to work. Also, a report has come out about the best supermarkets in the country. What makes them great? It’s a factor you may not think about.  The SAVE MORE CD Strategy: Segment 1 Ask Clark: Segment 2 Best Supermarkets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best CD Rates for February 2024 Why you should open a CD this February - CBS News What Is a CD Ladder and When Is It a Good Idea? 16 of the Best High-Yield Online Savings Accounts in February 2024 Municipal Bond: Definition, Types, Risks, and Tax Benefits How Many Bank Accounts Should You Have? - Clark Howard Credit Cards Could Swipe Department Stores’ Profits - The WSJ. Should You Get a Store Credit Card? Supermarkets - The American Customer Satisfaction Index CNBC - Costco has replaced Trader Joe’s as America’s favorite supermarket American Customer Satisfaction Index 6 Best Apps To Save Money on Groceries 22 Ways To Save Money on Groceries 10 Ways You're Wasting Money on Groceries How To Use Camelcamelcamel Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Best International Phone Plans Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

As the big phone companies plan big price increases, smaller competitors are taking a bigger share of the marketplace. Clark shares easy ways to keep costs down.  Also, you’ve heard of getting a second opinion when it comes to medical procedures, but did you know that getting a second opinion in all sorts of consumer areas can save you big bucks? SAVE on Cell Phone Service: Segment 1 Ask Clark: Segment 2 Get A Second Opinion: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Comcast, Charter add subs; survey finds consumers very open to MVNOs T-Mobile Eyes Price Hikes As AT&T, Verizon Set to Raise Rates in March Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need What Is Owner's Title Insurance and Do You Need It? Home Title Lock: Is It the Same As Home Title Insurance? Counterfeit Stamps How getting a second opinion can stop you being ripped off — The Conversation Brushing Scam – United States Postal Inspection Service “Brushing” Scam Indicates a Serious Problem for Victims How Can I Make Freezing a Young Person's Credit Less Risky? Should You Make Your Child an Authorized User on Your Credit Card? Credit Karma Review: Free Credit Score and More at Your Fingertips Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Venmo is publicly sharing your info. Clark has a special privacy check up for Venmo users. Later - collectively entrepreneurs set a new record last year. Get Clark’s take on entrepreneurship and its value for the economy.  Venmo Privacy Check: Segment 1 Ask Clark: Segment 2 On Entrepreneurship: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Venmo privacy settings to change now How To Make Your Venmo Transactions Private 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!) Want To Guard Your Privacy Online? Search the Web With DuckDuckGo 5 Tips To Protect Your Digital Privacy Protect Your Identity Archives - Clark Howard Should You Allow Your Auto Insurance To Monitor Your Driving? Mile Auto | Pay-Per-Mile Car Insurance Entrepreneurs Opened More Businesses in 2023, Setting a New All-Time High on Yelp Sell My Car – Autotrader What Is an ETF?  -  What Are Index Funds? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A new hotel fee is showing up for something a lot of people aren’t even using. How to book a room without getting ripped off. Also, knowledge is power when it comes to navigating funeral costs. The FTC has a new warning out about shady practices in the funeral industry that take advantage of grieving families.  Hotel Rates + Junk Fees: Segment 1 Ask Clark: Segment 2 Funeral Home Rip-offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Hotel parking fees take a turn for the worse How to spot hidden resort fees when you're booking travel Why Structured Notes Might Not Be Right for You What Is Full Coverage Car Insurance? NYTimes: F.T.C. Warns Dozens of Funeral Homes to Provide Accurate Costs to Callers How the Funeral Industry Got the FTC to Hide Bad Actors Alert: Funeral Home Scam Targets Grieving Families Funeral Consumers Alliance: Home - Clark.com - Funeral Planning How to have that end-of-life financial discussion with your elderly loved ones Funeral Consumers Alliance - Wills & Funerals Archives - Clark Howard You Can Save Big Money on Caskets at Costco, Walmart and Amazon Low-Cost Cremation Services: 5 Things to Know  Funeralocity - Lantern - Cake - Parting - Empathy 4 Things To Consider Before You Buy a New Cell Phone Buying a Cell Phone at Costco Wholesale: 4 Things To Know Should You Buy Cell Phone Insurance? Cell Phones & Smartphones Archives - Clark Deals Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - many employers are offering a new benefit which may eliminate the need to choose between paying down student loans and saving for retirement.  Clark Stinks: Segments 1 & 2 The New Student Loan/401(k) Benefit: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Find Cheap Flights in 3 Easy Steps Going™ | Formerly Scott's Cheap Flights Airfarewatchdog: Cheap Flights & Airline Tickets Estate and Gift Tax FAQs | Internal Revenue Service 15 of the Best Free Workout And Fitness Apps What Is an ETF? A Simple Trick To Paying Off Your Credit Card Faster NYTimes: A New Perk for Some Student Loan Borrowers: A 401(k) Match More companies embracing benefits aimed at student loan debt SAVE Repayment Plan Offers Lower Monthly Loan Payments Best Budgeting Apps in 2024: Our Top 5 What Is a Flexible Spending Account? How to Teach Young Kids About Money Fidelity Investments Review 2023: Pros & Cons  Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Cruise travel is way up and with it, problems with associated trip insurance. Learn what could go wrong, and Clark smart rules for cruise travel. Also today, a follow up on Visa Vanilla gift cards and the “draining” scam that left so many people with useless plastic. Cruise Trip Coverage Warning: Segment 1 Ask Clark: Segment 2 Vanilla Gift Card Scam: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Help! I Missed a Cruise and the Cruise Line’s Own Travel Insurance Won’t Pay. Where You Should Never Buy Travel Insurance for a Cruise Clark.com - CRUISES / Clark.com - TRIP INSURANCE How To Plan a Trip: Clark's Best Travel Tips To Save Money 401(k) Match: What Is It, How It Works 401k Calculator With Match - Clark Howard New York Post: Visa is sued over ‘Vanilla’ gift card scam known as ‘draining’ What Is an ETF? Should We Worry About the National Debt and Budget Deficits?   Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Valentine’s Day! Where did we traditionally receive Valentine’s Day cards? The mail! There’s a big problem with our mail delivery service, and something is going to have to give. Also today, Amazon is in a fight for its life with competitors and the resultant clothing price war presents opportunity for you.   USPS Mail Delays: Segment 1 Ask Clark: Segment 2 Clothing Price War: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mail freeze: Latest frigid weather is adding to the postal service's delivery woes - USA TODAY   NYTimes.com: Mail 3 Days a Week? Idea Meets Resistance in Britain. How to sell your house by owner What you should know before selling your home without an agent Selling your home yourself? Here’s how an ‘Agents Protected’ sign can help you Heard on the Street: Amazon Can’t Afford a Race to the Bottom - The Wall Street Journal. Clark Deals - Clothing Why You Need To Check Your PayPal Account for Automatic Payments 5 Steps To Getting a Good Deal on a Hotel Room PlugShare - EV Charging Station Map - Find a place to charge   Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

With Valentine’s Day coming up tomorrow, it’s a good opportunity to give couples advice on how to avoid one of the most common things we fight over - money differences. Also today - Assumable mortgages allow qualifiers to potentially buy a house with one of the great rates that existed over the past few years. There’s a new site to help you find those homes for sale.  Couples & Money: Segment 1 Ask Clark: Segment 2 Assumable Mortgage Resource: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes.com: Financial Questions to Discuss Before Moving In With Your Partner New Love for Older Adults: Don’t Make the Same Financial Mistakes 42% of Adults Have Committed Financial Infidelity. Have You? 10 Steps for Having Better Money Conversations With Your Spouse What is an LLC? Limited Liability Company Structure and Benefits Defined What Is Umbrella Insurance and Do You Need It? Best 529 College Savings Plans By State Rollovers From a 529 Plan to Roth IRA: What to Know Assumable Mortgage: What It Is, How It Works, Types, Pros and Cons A back door to a 3% mortgage rate? This startup has a plan to unlock housing market affordability  What's Clark's Opinion on the Greenlight Prepaid Debit Card for Kids? Cruises - Clark.com / Costco Travel: 5 Things To Know Before You Book Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Communities are popping up around the country that make it feel like you are living at the beach, without the high cost of insurance and upkeep. Sound too good to be true? It’s not. Also, excellent news to share concerning teens and finance.  Lagoon Communities: Segment 1 Ask Clark: Segment 2 Teen Work Ethic: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Their Home Has Water Views and a Sandy Beach—and It’s Nowhere Near the Ocean 401(k) Rollover: What You Need To Know & Options Target Date Funds: Clark's Favorite Retirement Investment Travel Insurance: What You Need To Know Before You Buy Clark Calls Out Favorite Credit Card for 'Classless' New Policy [The Washington Post] Gen Z is bringing back the part-time job More States Now Require Financial Literacy Classes in High Schools Best Investment Companies for Investors Can a Patient Advocate Help With Your Medical Bills? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - So many of us are addicted to our smartphones and there are new devices and methods to help us break the habit and be more present. The discipline to ditch your phone for periods of time may improve your quality of life. Clark Stinks: Segments 1 & 2 Phone-free Quality Time: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 12 Things You Never Knew You Could Get From Your Local Library Streaming TV - Clark.com Best Free Password Managers: 7 Top Picks / 5 Tips To Protect Your Digital Privacy 3 Big Retirement Account Changes You Haven't Heard About Financial Independence, Retire Early: What You Need To Know About the ‘FIRE’ Movement Is Temu Legit? 4 Things To Know My Cable Company Is Raising Prices Unless I Enroll in Auto-Pay. Is It Safe? How to Get Free Virus, Spyware and Malware Protection Phone-free and loving it: Why Yondr usage is spiking at schools, concerts, and soon, maybe, your living room Why Toilet Paper Has Gotten So Expensive 529 rollover to Roth IRA: A guide to conversion - CNN Free (or Cheap) College for Retirees in All 50 States How to Buy a New Car in 5 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

U.S. consumers pay more for prescription drugs than anywhere else on the planet, especially for vital brand medications that are not yet sold as generics. Clark explains this price disparity, reports on Florida’s move to import from Canada, and shares how you can save on meds today. Also - How Walmart is giving its workers a stake in the game and why that is good for business.  Save More On Meds: Segment 1 Ask Clark: Segment 2 Employee Ownership: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Florida Is First State Allowed to Import Drugs From Canada in Bid to Reduce Costs 10 Ways To Save on Prescription Drugs - Clark.com Exchanging Dollars for Foreign Currency Home Equity Loans & Lines of Credit: 7 Common Questions Answered Simple Interest Loans: Do They Exist? Rule of 78: Definition, How Lenders Use It, and Calculation NYTimes: Walmart Offers Store Managers Company Stock to Make Them Feel Like ‘Owners’ The #1 Difference Between 'Super Savers' and Average Savers 6 Steps To Eliminate Credit Card Debt in 3 Years or Less Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Because of the pandemic, many employees are entering a corporate office environment for the first time, and companies are having to do special training to help them adjust. Clark has some advice for these new workers. Also today - After a period of punishing inflation, consumers are finally in the driver’s seat on prices. How? Clark explains our collective power in the marketplace.  Workplace Etiquette: Segment 1 Ask Clark: Segment 2 Consumers Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: We don't know how to behave in the office anymore, bosses say. The solution? Charm school  Why Sharing Your Layoff Publicly Feels So Good - The Wall Street Journal. Credit Card Car Rental Insurance: What You Need To Know Hertz is selling 20,000 electric vehicles to buy gasoline cars instead A Different Kind of Price War: Grocers vs. Big Food Makers Mortgage Recasting: What It Is And How It Works Accessible Travel Website Launches Major Expansion The future of U.S. train travel is here—and it’s not on Amtrak Where You Should (and Should Not) Book Your Next Vacation Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Some reports estimate overall food waste at near 40%! That’s MONEY tossed away! There’s a simple way to help you SAVE MORE food & thus - stretch your grocery dollars. Also, Clark discusses options for those with I Bonds purchased at inflation’s peak, now with diminishing returns, and why I Bonds are still a good deal now.   Reduce Food Waste: Segment 1 Ask Clark: Segment 2 I Bond Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] This fridge hack can slash your food waste Is a Costco Membership Worth It? (Pros and Cons From 10 Readers) Your Guide to DIY Home Security Systems T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up How to Buy a Used Car in 7 Steps Should You Sell Your I Bonds Right Now? 6 Things To Know About Series I Savings Bonds Vehicle History Report Scam: If You're Selling, Listen Up 7 Things To Know Before You Use Zelle 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Bad news makes news, creating general pessimism and a negative outlook on the world at large. But there’s so much good in the world that goes unheralded. Clark shares some reasons to be optimistic. Also today, colleges are competing to fill enrollments. Clark shares strategies to help you stretch every college dollar, including asking for a 4 year incentive package.  Dare To Be Optimistic: Segment 1 Ask Clark: Segment 2 College Cost Strategies: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Reasons to be optimistic in 2024 — despite everything SmileDirectClub is shutting down. Where does that leave its customers? [The Washington Post] Colleges are finally turning the corner on enrollment Education Archives - Clark Howard How To Sell A Car - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today  - Staying fit doesn’t have to involve costly memberships. Clark shares his affinity for fitness trackers, and how inexpensive they can be.  Clark Stinks: Segments 1 & 2 Fitness Trackers : Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco vs. Sam's Club: What Is the Difference? How Donor-Advised Funds Are Changing Philanthropy WSJ - Your Smartphone Can Have Two Lines. Here’s Why You’d Want That. The Best International Phone Plans CR - Best Fitness Trackers of 2024 4 Truly Free Fitness Apps To Keep You In Shape All Winter 15 of the Best Free Workout And Fitness Apps (clark.com) At 93, he’s as fit as a 40-year-old. His body offers lessons on aging. ‘How is this even legal?’ Planet Fitness user asks after being forced to go in person simply to shut down account  How To Increase the Credit Limit on Your Credit Card Delta Update: Airline Announces Key Changes to SkyMiles Overhaul Going Just Announced a Big Change to Its Free Membership Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The stock market has hit record highs lately, which means investors can become misdirected by  “recency bias”.  What could go wrong?  Clark explains some market realities to keep in mind and the value of diversification. Also today, with tax season upon us make sure you know about tax filing options that are free. Investment Strategy: Segment 1 Ask Clark: Segment 2 Free Tax Filing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save and Invest the Clark Howard Way Wall Street hits record high following a 2-year round trip scarred by inflation - from USA TODAY NYTimes: After a Rip-Roaring 2023, the Markets Are Taking a Breather 10 Things You Must Know About Bull Markets Best Travel Credit Cards: Top Rewards Picks for 2024 What Brokerage Do You Recommend for First-Time Investors or Kids? Amazon - uni-ball 61255 Signo Gel 207  Black Ink Micro Fine Dozen Why You Should Never Mail a Check 8 Free Federal and State Tax Filing Services for 2024 IRS Free File: Free State and Federal Tax Filing Options for 2024 IRS set to launch its free tax filing pilot program. Here’s how it will work The Washington Post: How to file your taxes free, no matter your income or age The IRS doesn't send tax refunds by email or text TurboTax Can No Longer Advertise Products as Free, F.T.C. Says FTC finds TurboTax “free” is not free for most How To Find and Choose a Financial Advisor Advice-Only Network   /   Flat Fee Advisors How To Plan a Trip: Clark's Best Travel Tips To Save Money National Unclaimed Property Day How To Find and Claim Missing Money in Your Name Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Credit card debt is up 50% in the last 3 years with default rates on the rise, as higher interest rates exacerbate the problem. What would Clark do? Also today, many people have been waiting for the market to normalize before buying a vehicle. Clark shares good news and smart approaches to the purchase of both new and used cars.  Credit Card Debt Strategy: Segment 1 Ask Clark: Segment 2 Car Buying Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes.com: Lugging Credit Card Debt Into 2024? Now’s the Time to Make a Plan. Credit card delinquencies surpass pre-pandemic levels Why debt settlement companies are the wrong way to deal with high credit card debt 6 Things To Know Before Contacting the National Foundation for Credit Counseling CREDIT CARD DEBT - Clark.com What Fee Level Does Clark Consider Acceptable For a Company 401(k)? How To Open a Roth IRA What Is a Thrift Savings Plan? 2024 will be the best year to buy a new car since 2019, economist says USA TODAY: Buying a car? FTC reveals crackdown on illegal scams to save you money The new CARS Rule: What you need to know The Best Car-Buying Services in 2024 How to Buy a New Car in 5 Steps / How to Buy a Used Car in 7 Steps What Are the Pros and Cons of the Costco Car Buying Program? Avoid the #1 Mistake That Car Buyers Make Credit Card Car Rental Insurance: What You Need To Know Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark offers a primer on the 3 basic types of funds - Mutual, Index, and the fastest growing area of investing: ETFs.  Also, there is a new rule for health insurers when you need medical preauthorization approval for treatment or a procedure.  And it’s about time.  Back To Basics: ETFs: Segment 1 Ask Clark: Segment 2 New Rules On Medical Preauthorization: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Invest in ETFs for Beginners  What Is an ETF?  Clark.com INVESTOPEDIA - Mutual Funds  /  Index Funds  /  ETFs Medicare Medical Savings Account (MSA) Plans Health Insurers Must Streamline Prior Authorization Decisions, New Rule Says - The WSJ Businesses Are Making Me Pay the Credit Card Processing Fee. Should I Pay Another Way? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’re doing the work of saving,  how much interest are you earning? Some banks pay next to zero. Clark has an assignment for you. Also, Clark celebrates a “trendlet”  he hopes will become a full fledged trend - actual customer service.  Max Return On Savings: Segment 1 Ask Clark: Segment 2 Customer Service Lives: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ.com: They Thought Their Money Was in High-Interest Accounts—They Got Paid Peanuts 16 of the Best High-Yield Online Savings Accounts in January 2024 How To Open a Roth IRA- How To Buy a House in 9 Steps Brick-and-mortar retail is back, but without the gimmicks IKEA U.S. announces plans to open 4 new-format stores in 2024 & shares FY23 progress What Is Term Life Insurance?  /  How To Buy Term Life Insurance in 7 Easy Steps Clark.com - Latest Life Insurance Why You Need To Use Your Travel Points Right Now 8 Free Federal and State Tax Filing Services for 2024 When Should You Get an Accountant To Do Your Taxes? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Costco vs Sam’s and how Sam’s Club is using tech to make the customer experience easier.  Clark Stinks: Segments 1 & 2 Sam’s Club Scan & Go: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 401(k) Match: What Is It, How It Works Here’s why electric cars don’t go as far in the cold EVs work fine in the cold in Norway. Here’s how they do it The housing solution ‘hidden in plain sight’ that Maryland and Mississippi are embracing How Do I Find Out the Exact Discount for Bundling Home and Auto Insurance? The Best International Phone Plans Is My Phone Unlocked? Here’s How To Know – iPhone and Android BringFido: Pet Friendly Hotels & Dog Travel Directory 7 Things To Know About Costco Pharmacy Clark Says These Streaming Changes Are Top Money-Saving Moves in 2024 Costco crackdown of membership sharing reaches next level The US Sun: ‘Catch up,’ Costco shopper tells store after rival Sam’s Club makes customers’ lives easier with receipt check change.   Sam’s Club Scan And Go / NYTimes: At Sam’s Club, a Human Will No Longer Check Your Receipt at the Door Clark Deals - TVs Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

While other crime is down post-pandemic, vehicle vandalism & theft rises. Clark discusses the great value of vehicle sentry cameras for prevention and recording of vehicle accidents and crimes. Also today - Alarmist headlines of layoffs and AI killing jobs don’t give you the full picture. Clark lends perspective on the nature of employment historically involving change, and the job growth happening now.  Vehicle Sentry Devices: Segment 1 Ask Clark: Segment 2 Where The Jobs Are: Segment 3 Ask Clark: Segment 4 Mentioned on the show: This go-to tech gadget is like the Ring camera - but for your cargo bed - USA TODAY An Easy Way To Protect Your Truck From Theft Is AppleCare+ worth buying for your new Apple device? Clark Deals - Tablets Best Budgeting Apps in 2024: Our Top 5 Axios: Job market surprise: Construction employment is booming Remote Workers Are Losing Out on Promotions - The Wall Street Journal. HELOC Calculator - Clark Howard Can I Use a Target Date Retirement Fund for Intermediate Savings? What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, a Red Alert if you have a checkbook in your possession. Check theft is soaring at a time when people are writing fewer checks. Clark explains the weak links in the system, and the safest way to pay your bills. Also, the rising costs of homeowners insurance hits especially hard in areas prone to flooding, fires, and other environmental concerns. Know the additional steps to take concerning insurance BEFORE you buy a home.  Check Fraud Prevention: Segment 1 Ask Clark: Segment 2 Homeowners Insurance - Assessing Risk: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: We Can’t Stop Writing Paper Checks. Thieves Love That. NYTimes: Stolen Checks Are for Sale Online. We Called Some of the Victims. The New York Times: What to Know About Writing Checks While Preventing Fraud How To Roll Over a 529 Plan to a Roth IRA The Artist's Way Where to Buy a Vacation Home Safe From Climate Risks Want to know if your future home might flood? These states are requiring disclosure. Climate Check - How Will Climate Change Affect Your Property? Donor-Advised Fund Definition, Sponsors, Pros & Cons, Example Why Big Banks Are a Bad Place for Your Cash How To Sell, Cancel or Get Rid of Your Timeshare Why 'Buy Now, Pay Later' Worries Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

QR Codes have become fertile ground for criminals to load viruses and steal from you. Know how to avoid this now prevalent hazard. Also today, the big cell phone companies have made it incredibly expensive to use your phone when traveling outside the U.S. Hear Clark’s latest advice on how to handle this. QR Code Warning: Segment 1 Ask Clark: Segment 2 International Calling: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes.com: That QR Code You’re About to Scan Could Be Risky, F.T.C. Warns How QR codes work and what makes them dangerous – a computer scientist explains — The Conversation Scammers hide harmful links in QR codes to steal your information Is Temu Legit? 4 Things To Know Credit Karma Review: Free Credit Score and More at Your Fingertips How To Monitor Your Credit Dividend Reinvestment Plans (DRIPs) - Stocks - Investopedia How to Make a Disposable Razor Last 12 Months NYT - Come Home With Memories, Not a Shocking Phone Bill The Best International Phone Plans Travel Insurance: What You Need To Know Before You Buy InsureMyTrip Review: Why We Like It and How to Use It Cancel for Any Reason Trip Insurance: Should You Buy It? What Is an HSA Account and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares insights on how to Spend Less from a recent price study comparing behemoth retailers. Later - home and auto insurance is becoming more expensive and increasingly hard to purchase. How to be proactive vs reactive.  Retail Giant Price Comparison: Segment 1 Ask Clark: Segment 2 Home & Auto Insurance Increases: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon vs Walmart: Who Has the Cheapest Grocery Prices? The One and Only Exception to Clark Howard's 'No Gift Card' Rule Financial Fasting Can Trim the Fat From Your Spending The WSJ - Buying Home and Auto Insurance Is Becoming Impossible  Best Auto Insurance Companies and Some of the Worst: December 2023 Why You Need To Re-Shop Your Car Insurance Right Now How to Shop for Lower Car Insurance How To Open a Roth IRA Acorns Review: How It Works, Pros & Cons 6 Things To Know Before You Sign Up for Tracfone Wireless Visible Deal: Unlimited Service for $20 Monthly for Two Years Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - do you use apps to get points & free items at restaurants? Are there app tricks going on to get us to spend more money? A current lawsuit calls this into question - but the real issue is larger. What to know about app stored payment systems.  Clark Stinks: Segments 1 & 2 Restaurant & Retail In-App Payments: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Simple Steps To Get Better Customer Service When Is the Best Day and Time To Call Customer Service? Clark's take: Why everyone should have a dash cam Clark Deals - Dashcams What Is Umbrella Insurance and Do You Need It? How to clean a washing machine and how often to do it Travel Archives - Clark Howard / Travel Archives - Clark Deals Ask Clark: What Is a Backdoor Roth IRA? A new complaint claims Starbucks’ app traps customers in a cycle of spending 10 Best Restaurant Apps for Fast Food Deals 16 of the Best High-Yield Online Savings Accounts in January 2024 What Is a SEP IRA and Who Is Eligible? What Is a Solo 401(k) and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Generation X in particular has faced unique challenges preparing for retirement. Clark talks about the factors involved and what this age group can do as they near their 60’s and beyond. Also today, in some states, housing prices have gone up 50% in the last 5 years. One solution Clark loves - composite, factory-built manufactured home building, is gaining traction in some places, but uptake will require cultural shifts. Gen X Retirement: Segment 1 Ask Clark: Segment 2 Manufactured Homes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Gen Xers Ask: ‘Can I Afford to Retire?’ PEW Research - Older Workers Are Growing in Number and Earning Higher Wages ‘Flextirement’ is the future of work   Parents Are Spending Retirement Savings to Help Boomerang Children: FCC Affordable Connectivity Program Clark.com CAR RENTAL The housing solution ‘hidden in plain sight’ that Maryland and Mississippi are embracing Everything You Need To Know About Polybutylene Pipes How to Get a Mortgage in 8 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses his recent heart procedure, shares the good news of his progress and thanks all for the heartfelt well wishes he received. Also in this episode, if you’re looking to upgrade the size of your TV, there are some incredible deals out there right now. Clark points the way. Health Update: Segment 1 Ask Clark: Segment 2 Big TV Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - STREAMING TV Live TV Streaming Channel Tool Everything seems more expensive, so why is a big new TV cheaper than ever? Clark Deals - The best deals on TVs available now 10 Ways To Save Money on Car Insurance Car Insurance Archives - Clark Howard Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Clark Howard Podcast Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, a dose of Clarkonomics. Clark shares his views on the state of the economy, including energy production and the stock market looking ahead. Also, you may have noticed fewer options when it comes to goods you buy, like toilet paper and paper towels. Clark explains how the pandemic forced new adaptive efficiencies in manufacturing, and why this is good for consumers Clarkonomics: Segment 1 Ask Clark: Segment 2 Retail: Less Choice - Lower Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show: US wage growth, once an inflation risk, may be the prop a soft landing needs A lot of things are getting cheaper. Here's why you probably haven't noticed. The Federal Reserve will cut interest rates 6 times in 2024 as the economy shows clear signs of cooling down, ING says Opec+ now controls barely half of oil market, says IEA Surging U.S. Oil Production Brings Down Prices and Raises Climate Fears Should You Buy an Extended Warranty on Your Car? WSJ - Covid Slashed Consumer Choices. This Is Why They Aren’t Coming Back. This Clark Howard Credit Card Rule Could Prevent a Nightmare Scenario About Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Wishing you a peaceful and uplifting MLK Day. Please enjoy this Best Of episode. Clark returns tomorrow with new ways to Save More, Spend Less and Avoid Getting Ripped Off! The auto insurance industry is in a world of hurt and aggressively raising rates. Clark explains the factors involved and what you can do to help keep your costs down. Also today, life expectancy is a roll of the dice but generally, people are living longer. There’s a little known and very smart way to avoid outliving your money - longevity insurance.  Auto Insurance Bill Shock: Segment 1 Ask Clark: Segment 2 Longevity Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark Howard: Habitat for Humanity - Clark Howard Car Insurance Archives - Clark Howard What Is Umbrella Insurance and Do You Need It? Best Travel Credit Cards: Top Rewards Picks for 2023 Marketwatch - Can you answer this crucial retirement-planning question? Most people can’t. Want to live to 100? "Blue Zones" expert shares longevity lessons in new Netflix series Clark.com: Longevity Insurance: What Is It and Do You Need It? How To Open a Roth IRA Clark.com - Best High-Yield Online Savings Accounts Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today -  Abandoned Places should NOT include your old 401(k). And big employers don’t want them. So new rules place this money at risk. Clark explains what’s happening now, and how to safely move your money. Don’t let it slip away!  Clark Stinks: Segments 1 & 2 Forgotten 401(k)s At Risk: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an ABLE Account? Why Did My Car Insurance Go Up? Best Free Password Managers: 7 Top Picks How To Make Your Online Accounts Accessible When You Die Best 529 College Savings Plans By State Upside App Review: 6 Things To Know Before You Sign Up Your Old 401(k): Out of Sight, Out of Mind and Out of Money 401(k) Rollover: What You Need To Know & Options 3 Places You Should Never Invest Your Money Best Travel Credit Cards: Top Rewards Picks for 2024 Capital One Venture X Rewards Credit Card: 6 Things To Know Why Clark Thinks These Are the Best 2 Travel Rewards Cards The Platinum Card® from American Express Review Where To Buy the Best Cheap Printer Martin Luther King, Jr., National Day of Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The IRS has been in the news for waiving penalties from prior tax years AND people are getting surprise tax bills. That has brought about a slew of companies advertising tax debt relief. Know what applies to you, and why you shouldn’t take the bait for “debt relief”. Also in the news, the lawsuit against Vanguard over its target date funds is moving through the courts. Know what role TDFs play in your portfolio and where they should NEVER be placed.  Tax Penalty Changes: Segment 1 Ask Clark: Segment 2 Vanguard’s Target Date Funds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] IRS is waiving $1B in penalties. Beware of tax debt relief companies. IRS Zaps Nearly $1 Billion in Penalties for Taxpayers - The Wall Street Journal. Surprise Bill Coming to Those Who Underpay Taxes  When Should You Get an Accountant To Do Your Taxes? How to Freeze Your Child's Credit Should You Make Your Child an Authorized User on Your Credit Card? Is Pet Insurance Worth It? What You Need To Know Before You Buy How To Create a Will Online Living Will and Durable Power of Attorney: Frequently Asked Questions Clark Howard's 5-Point Annual Checklist You Should Follow Lawsuit Over Vanguard’s Target-Date Funds Can Proceed, Judge Rules Target Date Funds: Clark's Favorite Retirement Investment Frequently Asked Questions on Gift Taxes What Is a Roth 401(k) and How Does It Work? Best Budgeting Apps in 2024: Our Top 5 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains the real purpose of owning gold, and, should you decide to - the best way to include it as an asset. Also - One way to save money in the new year? Cancel subscriptions! Clark revisits subscription creep, and how streaming and other services can add up to big bucks. Many people forget to cancel free trials, and worse, many companies make it difficult to cancel.  GOLD! Yes Or No: Segment 1 Ask Clark: Segment 2 Subscription Creep & Streaming Services: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco sold more than $100 million in gold bars last quarter Clark Howard's Advice on Buying Gold Debt Archives - Clark Howard Best And Worst Homeowners Insurance Companies: December 2023 This metro woman built a tiny home and dumped her mortgage The high cost of subscription binges: How businesses get rich off you forgetting to cancel - USA TODAY  Americans Are Canceling More of Their Streaming Services The streaming wars reached a stalemate in 2023, but here are 6 trends that will define 2024  Axios: Hello TV bundles, our old friend New York Post: NY AG Letitia James sues SiriusXM: Service made it intentionally ‘hard to cancel subscriptions’ Clark.com - STREAMING TV Visible Deal: Unlimited Service for $20 Monthly for Two Years When Should You Get an Accountant To Do Your Taxes? Scams & Rip-Offs Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The big pharmacies are folding under the pressure of competitive pricing. How to insure you pay less for prescriptions. Also today, Clark updates the state of the economy and interest rates, with guidance on how savers can lock in higher rates for longer. He also has an important warning about how to spot fake CDs.  Rx Pricing Changes: Segment 1 Ask Clark: Segment 2 CD Rates & Saving Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes - CVS Says It Will Change the Way Its Pharmacies Are Paid WSJ.com: CVS Plans to Overhaul How Much Drugs Cost Axios: CVS' drug price transparency push  /  Axios: CVS blows up PBM model CVS is shaking up drug pricing. You can thank Mark Cuban Walgreens Launches Digital Tool To Help Save On Prescription Costs 10 Ways To Save on Prescription Drugs Will Mark Cuban's Prescription Company Really Save You Money? What Is a 403(b) and How Does It Work? Target Date Funds: Clark's Favorite Retirement Investment How To Find and Claim Missing Money in Your Name Now May Be the Time to Lock In High Interest Rates on Your Savings What Is a CD Ladder and When Is It a Good Idea? 16 of the Best High-Yield Online Savings Accounts in January 2024 FDIC.gov / 3 Places You Should Never Invest Your Money IntraFi Network Deposits: ICS and CDARS Services from IntraFi He Stole Hundreds of iPhones and Looted People’s Life Savings. He Told Us How. Apple's New iOS 17 Security Feature Blocks Opportunistic iPhone Thieves Apple unveils new security feature to safeguard against thieves Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

If you have holiday gifts you plan on taking or sending back, you need to know how return policies have changed, and act quickly. Clark explains. Also today, companies should emulate a recent move by a major airline to help employees with their finances.  Restrictive Return Policies: Segment 1 Ask Clark: Segment 2 Delta’s Emergency Savings Fund: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WSJ.com: Retailers Enlist AI in Fight Against Returns Return Policies Have Gotten More Annoying This Holiday Season - The WSJ Holiday Returns: Guidelines and Return Dates for Major Retailers How To Get a Gym Membership for Practically Free Retirement Accounts Are the New Emergency Funds Delta offers employees $1,000 for emergency savings, 33,000 sign up The Best Place To Buy a Mattress Amica - Get a RV & Trailer Quote Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, there’s a real danger of scams when job searching online. Clark let’s job hunters know what to look out for and the rules of the road to employment.  Clark Stinks: Segments 1 & 2 Job Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is the Highest Credit Score? What Is a Thrift Savings Plan? WSJ - Auto Dealers Find Savings by Buying Cars Off the Street Turo: 5 Things To Know About the Cheap Car Rental Service Capital One Walmart Rewards® Card: Get 5% Back on Online Purchases Best Credit Cards for Shopping Rewards (Clark.com) Is the Target RedCard Credit Card Worth? Searching for a job to work remotely? Avoid scams and identity theft Legitimate Work From Home Jobs – How to Find Them (Clark.com) Should I Prepay for My Funeral? Clark Howard's Important Advice on Funeral Planning Wills & Funerals Archives - Clark Howard SIPC - Securities Investor Protection Corporation Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The resolution to spend less can yield multiple benefits and there are various approaches. Clark explores a method called financial fasting. Also today, the U.S. is slowly adopting a method to simplify taxes, used by most other developed countries. See if this free online direct tax filing service called Direct File could work for you. Financial Fasting: Segment 1 Ask Clark: Segment 2 IRS: Direct File: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Financial Fasting Can Trim the Fat From Your Spending What Is Umbrella Insurance and Do You Need It? How To Find Cheap Flights in 3 Easy Steps 13 States Sign On to IRS Direct File Pilot Program IRS plans to launch free tax filing pilot program in 13 states next year Will an IRS Tax Prep Service Replace H&R Block or TurboTax? 4 Things You Should Always Pack in Your Carry-On Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares good news about his favorite type of retirement account. Also in today’s show, advice for used car buyers includes new tax incentives that just went into effect.  New Roth IRA Limits: Segment 1 Ask Clark: Segment 2 The Used EV Tax Credit: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Looking to save in a Roth IRA next year? Here's what you need to know. - from USA TODAY How To Open a Roth IRA IRS provides tax inflation adjustments for tax year 2024 Best 529 College Savings Plans By State 529 rollover to Roth IRA: A guide to conversion Visible Review: 5 Things To Know Before You Sign Up Visible vs. Verizon Wireless: Plans, Pricing, Data and More Edmunds: Best used electric vehicles under $25,000 13 Secret Saving Hacks at Costco, Sam's Club and BJ's Wholesale What Home Security Camera Does Clark Prefer Ahead of Amazon’s Ring? How To Find and Choose a Financial Advisor Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re back and ready to talk about how you can save more, spend less, and avoid rip-offs in 2024! Up first - your cell phone bill! Cell phone rates are going up at twice the rate of inflation because we’ve gone from 4 national providers to 3. Clark has ways to help you SAVE. Also, know what to expect this year if you’ve been worried about paying tax bills on money received through Venmo, PayPal, Cash App, or other payment services. Save On Cell Phone Service: Segment 1 Ask Clark: Segment 2 Payment App Tax Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mobile phone bills up 5% over last year: doxo Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need CELL PHONES - Clark.com / STREAMING TV - Clark.com How To Watch the Top Video Streaming Services for Under $100 per Year Best Budgeting Apps in 2024: Our Top 5 IRS delays reporting rules for users of Venmo, Cash App and other payment apps How To Save Money With Google Flights Top Travel Deals - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Later, 20% of credit card users have heavy revolving debt, accounting for ¾ of the money banks make from cards. Few such users know their debt amount or interest rate, an oversight banks have exploited. If you’re carrying credit card debt, Clark has an assignment that could help you achieve being debt FREE.  Clark Stinks: Segments 1 & 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show What is Dual Enrollment and How Much Does it Cost? Best Credit Cards for Shopping Rewards: Top Picks for 2023 Best Credit Cards for Groceries in 2023 2 Ways To Guarantee Yourself a Lifetime Stream of Income Heavy credit-card users are key in the Fed’s inflation battle How to Freeze Your Credit — Literally! Clark.com - Credit Card Debt Best Balance Transfer Credit Cards: Top Picks for 2023 How To Do a Balance Transfer the Right Way Best 0% Intro APR Credit Cards: Top Picks for 2023 Citi Simplicity® Card Review 2022: A Worthy Balance Transfer Card Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Clark explains the forces behind a reversal in home building trends, bringing more affordable homes to the housing market. Also today: New data shows the net cost of attending college is moderating. Clark discusses cost factors to consider when choosing a college and most importantly - a course of study and skill set. Is prestige worth the price, or is it better to hold the cost and borrowing down? Plus, a NEVER NEVER rule on student loans.  Back To Smaller Homes: Segment 1 Ask Clark: Segment 2 College Major and School Choice Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show Goodbye Bathtub and Living Room. America’s Homes Are Shrinking. Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard. Should You Buy an Extended Warranty on Your Car? Want high earnings? Focus on the major, not a college's prestige Student Loan Payments Are Restarting: 4 Things To Know How Do Student Loans Work? 7 Things to Know ‘I’ve had this black cloud looming over me’: How private lenders have left millions of college students with no hope for the future Simple Interest: Who Benefits, With Formula and Example Rule of 78: Definition, How Lenders Use It, and Calculation Submit a complaint | Consumer Financial Protection Bureau Why Clark Howard Shifted to a Digital Wallet and You Should Too Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Amount lost to only the scams reported last year: $9 Billion. Clark runs down an alarming list of current cons, and what they all have in common. Also today, Clark updates his journey renting storage, with new insights on what renters of storage units need to know.  Scam-a-rama Line Up: Segment 1 Ask Clark: Segment 2 Renting Storage: Segment 3 Ask Clark: Segment 4 Mentioned on the show People are losing more money to scammers than ever before. Here's how to keep yourself safe  Blue-tick scammers target consumers who complain on X Best Buy scam alert! People are pretending to be members of the Geek Squad. How to spot it. -USA TODAY New Amazon scams are making the rounds. Here’s how to avoid them Scammers impersonate well-known companies, recruit for fake jobs on LinkedIn and other job platforms FTC Cautions Consumers on Heels of Latest Zelle Scam You got the apartment! Spot rental listing scams before you pay 7 Best Free Cloud Storage Options in 2023 - Clark.com What Is a Solid-State Drive (SSD)? How To Buy Term Life Insurance in 7 Easy Steps Is There a Limit to Americans’ Self-Storage Addiction? Billions of Dollars Say Nope Clark Deals - The best laptop deals available now Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Word to seniors - A new trend is serving the lifelong learning ethos which may make sense for you and greatly enhance retirement. Also, the increased challenges of homebuying have led to the resurgence of renting to own a home. Clark discusses the opportunity and hazard of these contracts.  Retirees Return To College: Segment 1 Ask Clark: Segment 2 Rent-To-Own Home Contracts: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why Retirees Are Going Back to College Flexcar: Your flexible alternative to car ownership T-Mobile: Credit Card Payments Will Soon Lose AutoPay Discounts Authorized User vs. Joint Account Holder Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard. How Do I Remove Myself as an Authorized User on a Credit Card? Rich Dad - The Power of the Corporation Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 2nd. Credit cards are a massive expense for businesses. The U.S. has the highest merchant fees in the world, so many merchants pass on the expense to customers. Clark tells you how Visa is fighting back, and what this all means for both merchants and consumers. Also today, Clark - aka The Man From Roth - shares the considerable merits of the ROTH versions of 401(k)s and IRAs. Roths are the superior choice, yet - underutilized.  Credit Card Surcharge Decisions : Segment 1 Ask Clark: Segment 2 Roth Power: Segment 3 Ask Clark: Segment 4 Mentioned on the show Bodegas Put on Notice as Visa Fights Back on Card Surcharges Fidelity Rewards Visa vs. Citi® Double Cash Card – 18 month BT offer: Pick the Right 2% Credit Card How to Get a Mortgage in 8 Steps Congress Ended a Tax Break. How That May Help Higher Earners. WSJ Roth vs. Traditional 401(k): What's the Difference? What Is a Roth 401(k) and How Does It Work? 14 of the Best High-Yield Online Savings Accounts in August 2023 Gym membership cancellation: Here's how easy it can be to get out How To Get a Gym Membership for Practically Free Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark explains the hybrid vehicle advantage and the difference between plug-in and regular hybrids.  Clark Stinks: Segments 1 & 2 Hybrids 101: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids How To Save Money With Google Flights Children & Infant Travel | Delta Air Lines Southwest Airlines offers expanded family boarding ages on some flights 5 Money Lessons From Clark Howard's Trip to Europe Amica: 10 Things To Know Before You Get a Policy ChexSystems   /   Order Your Innovis Credit Report How to Request Your Clarity Consumer File Disclosure - Clarity Services, Inc. Security Freeze - LexisNexis Risk Solutions Consumer Disclosure How To Freeze Your Credit With Experian, Equifax and TransUnion What Is Disability Insurance and How Does It Work? America’s top-selling car will soon come only as a hybrid Can a Burglar Jam Your Wireless Security System? - Consumer Reports Your Guide to DIY Home Security Systems What Brokerage Do You Recommend for First-Time Investors or Kids? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you financially support your adult kids? This is a tough area. Clark shares some surprising statistics and offers some guidelines for parents. Also in this episode, do you pay attention to security warnings including data breaches, scams & digital vulnerabilities? Clark discusses what it takes for us to actually take security alerts seriously and act to protect our accounts.  Funding Your Adult Kids: Segment 1 Ask Clark: Segment 2 Security Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids Kevin O'Leary: How I handle family members who ask for money and the one rule I always enforce Study reveals more than half of American parents in these 36 states shell out to support their adult children  How Does Your Credit Utilization Rank vs. Average U.S. Consumers? Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank? Best Free Password Managers: 7 Top Picks / How To Create a Safe Password How To Monitor Your Credit Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze Your Credit With Experian, Equifax and TransUnion What Is a 403(b) and How Does It Work? Clark does not purchase extended warranties! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

New stats reveal many Americans are tapping retirement accounts for cash shortfalls. There are safety valves that allow access to these funds pre-retirement but doing so erodes future wealth. Clark discusses where to draw the line when faced with this dilemma. Also today, positive changes from Apple include a texting fix that’s long overdue. Borrowing From Retirement Accounts: Segment 1 Ask Clark: Segment 2 Apple’s Texting Fix: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Retirement Accounts Are the New Emergency Funds 529 rollover to Roth IRA: A guide to conversion E-ZPass Group - Home E-PASS - Central Florida Expressway Authority NYTimes: Apple Says It Will Improve the Green vs. Blue Texting Experience Why unexpectedly high ambulance bills are still a problem in the U.S. How to Find Airline Mistake Fares and Save Big on Airfare Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Many shoppers are into “dupes” - cheaper replicas of pricier products, especially clothing, cosmetics and accessories. So are they worth a try? A recent survey assesses quality vs savings on duplicate brands. Also today, Toyota was just fined for ripping customers off with car loans. But they’re not the only ones playing games in their finance offices. How to bypass this rip-off entirely.  Cheaper Duplicates Of Pricey Brands: Segment 1 Ask Clark: Segment 2 Car Loan Rip-offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 'Dupes' clothing, perfume craze lures holiday shoppers as major brands fret The Cheapest Places To Buy Contact Lenses The Best Places To Buy Eyeglasses Where To Get Cheap Eye Exams Toyota financing arm fined $60 million by consumer watchdog for car loan scam How to Buy a New Car in 5 Steps How to Buy a Used Car in 7 Steps  /  Best Used Car Websites in 2023 Fidelity Investments Review 2023: Pros & Cons Capital Gains Tax Rates for 2023 vs. 2024 Roth vs. Traditional 401(k): What's the Difference? Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Planning ahead means understanding available care for our aging selves and senior loved ones. Recent reports expose excessive fees imposed at assisted living facilities. Clark explains what to look out for and how to get legit help making placement decisions. Also today - something that is actually getting cheaper for you - audio books.  Assisted Living Fees: Segment 1 Ask Clark: Segment 2 Audiobook Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids NYTimes.com: Extra Fees Drive Assisted-Living Profits Desperate Families Search for Affordable Home Care How to Find a Geriatric Care Manager Aging Life Care Association How To Manage Your Monthly Subscriptions To Save Money 5 Steps To Getting a Good Deal on a Hotel Room Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Best 529 College Savings Plans By State 529 rollover to Roth IRA: A guide to conversion Audiobooks Just Got Cheaper—if You Know Where to Look-WSJ Free Audiobooks: 11 Places Online and Apps (Clark.com) Goodbye match, hello retirement benefit account? What IBM 401(k) change means Cancel for Any Reason Trip Insurance: Should You Buy It? Travel Insurance: What You Need To Know Before You Buy Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, great news on a common device that can prevent cognitive decline by 46% - and it’s getting cheaper to buy every day! Clark Stinks: Segments 1 & 2 Hearing Aids: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids 5 Things To Know About Series I Savings Bonds How To Dispute a Charge on Your Credit Card OTC hearing aids reduce cognitive decline by 48% Hearing Aids - Clark.com Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Tax season is around the corner. Clark wants to make sure you know about a government grant for retirement savers who meet the income guidelines. Also today - an important step you need to take if you’re thinking about buying into a homeowner or condo association.  Saver’s Tax Credit: Segment 1 Ask Clark: Segment 2 Assessing An HOA: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Saver's Credit: Who Qualifies for This Retirement Tax Break? Walmart+ Membership Program: 4 Things To Know What Is a Thrift Savings Plan? High-profile fights are taking aim at HOAs, but even greater challenges may lie ahead What Is Long-Term Care Insurance Cost & Coverage Should I Buy an Extended Warranty on Tires? TIRES - Clark.com Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares data affirming that affordability for first time home buyers is an ongoing challenge. So where’s the housing market headed next? What to know about home prices and interest rates moving forward. Also, Clark openly disdains the higher cost of food delivery. Now, many fine dine-in restaurants are offering a cost saving option.  HOLD! First Time Home Buying: Segment 1 Ask Clark: Segment 2 The Expansion Of Drive-Through Restaurants: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mapped: What You Need to Earn to Own a Home in 50 American Cities Who Should Consider Setting Up a Trust? How To Find and Choose a Financial Advisor 7 Places to Get the Best Deals on Lab-Created Diamonds NYTimes: Hungry (but Not for Human Contact), Americans Head for the Drive-Through Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens if a cruise line changes your itinerary or a tour company cancels? You may be out of luck. Hear Clark’s NEVER RULE on travel insurance. Also today, a price trend is your friend. Mattress oversupply means deals. But there’s a requirement you should adhere to when buying. Travel Insurance: Segment 1 Ask Clark: Segment 2 Mattresses Deals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Stuck with a $20,000 bill? Oceania guests struggle for refunds amid major cruise changes - USA TODAY Travel Insurance: What You Need To Know Before You Buy Cancel for Any Reason Trip Insurance: Should You Buy It? The Best Day and Time to Book a Cheap Flight I Need Plane Tickets for an International Trip. Should I Buy Now or Wait? Global Entry: 5 Things To Know Before You Sign Up The WSJ: Sleep Number's 'Drastic Miss' Resulted in Drastic Marketing Measures The Best Place To Buy a Mattress / How Can I Get Rid of My Old Mattress Cheaply? How To Find and Claim Missing Money in Your Name Clark.com - Best High-Yield Online Savings Accounts Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The bad news on healthcare costs goes deep. Many are forgoing care, regardless of insurance status due to higher deductibles and copays. Clark explains the problem, the consequences, and what you can do to protect your health - and your wallet. Also today, great news for parents of college bound kids. There’s a new rule involving how parental assets affect a child’s eligibility for financial aid. Shop Healthcare: Segment 1 Ask Clark: Segment 2 Retirement & College Financial Aid: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids High Healthcare Costs Can Cause Even the Insured To Skip Care 10 Ways to Save Money on Health Care Family Loans: How to Borrow From and Lend to Family What Is an ETF?   /   ETF vs. Mutual Fund: Which Investment Is Better? Saving More in a 401(k) Can Now Boost Your College Financial Aid - WSJ Best 529 College Savings Plans By State Easy way to cut the cost of your college degree in half Defending Your Fully Digital Wallet Against Fraud Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - do you ask for a credit score on the first date? People are approaching dating in more practical ways regarding financial stability. Clark discusses red flags and the importance of open communication around money from the get go.  Clark Stinks: Segments 1 & 2 Money And Dating: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids Treasury Department aims to make it easier to get $7,500 EV tax credit in 2024 Automatic Bill Pay: How It Works and How To Do It Safely Should I Buy an AirTag for My Checked Airport Luggage? Are you leaving money on the table: How 1 in 4 couples is missing out on 401 (k) savings [The Washington Post] Forget the Cheesecake Factory. Here are real first-date red flags. Why women are turning the first date into a job interview Should You Make Your Child an Authorized User on Your Credit Card? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Capital One Venture Rewards Credit Card: Travel Credit Card Review Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Inflation silver lining: New IRS tax brackets for 2024. By historical standards, tax rates are low - at 12% on average. Understand how this informs financial planning, from Roth IRA conversion to home buying. In an era of historically low tax rates, don’t fall for irrelevant “tax smart” pitches. Also today, a very scary reason why you should always receive paper statements or keep digital records for all financial accounts.   New Tax Brackets: Segment 1 Ask Clark: Segment 2 Financial Account Statements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Today in History - December 7 | Library of Congress Inflation Causes IRS to Raise Tax Brackets, Standard Deduction by 5.4% Should I Convert a Traditional IRA to a Roth IRA? How To Use Priceline To Save on Travel BBB-File a Complaint Return a Gift - Amazon Customer Service Clark’s Christmas Kids Why Banks Are Suddenly Closing Down Customer Accounts My Wells Fargo bank account was closed with no warning – I lost all my life savings but they said it didn’t exist The #1 Bill You Should Get by Mail What's the Best Place To Sell a Car in 2023? What Brokerage Do You Recommend for First-Time Investors or Kids? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Bin stores, aka discount, surplus or salvage outlets - go by many names, but collectively serve an oversupplied retail market these days. Such stores specialize in selling returns and other troubled goods, offering a shortcut to lower prices. Also today, home insurance is a broken market in coastal areas, but one coastal state is adapting so well, premiums have decreased.  Bin Store Savings: Segment 1 Ask Clark: Segment 2 New Coastal Building Standards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What’s a bin store, and why should you check one out? Should I Tip on a Cruise?  Booking a Cruise? Here Are 5 Ways To Do It for Less Clark does not purchase extended warranties! Retailers Offer Me Warranties on Everything I Buy Now. Are Any of Them Worth It? The Coastal State Where Home Insurance Is Relatively Affordable - WSJ Some houses are being built to stand up to hurricanes and sharply cut emissions, too NYTimes.com: A Climate Change Success Story? Look at Hoboken. Home Insurers To Be Scrutinized In Climate-Risk Study The Best Places To Sell Your Cell Phone Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Now is the time to Save More. Clark makes economic predictions based on global indicators, with advice for timing saving and spending to get the most from your money. Also in this episode, a long promised technology is finally being tested - Amazon drone deliveries.  2024 Deflation: Segment 1 Ask Clark: Segment 2 Delivery Drones: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Right Now Is a Bad Time to Spend Money China Is Making Too Much Stuff—and Other Countries Are Worried Has Your Emergency Savings Stash Grown? It Might Be Time For A Reality Check How To Create a Safe Password Telly's free TV could shake up the entertainment business Treasury: Series I bond rate is 5.27% through April 2024 NYTimes.com: Look, Up in the Sky! It’s a Can of Soup! How To Spot and Avoid Gift Card Scams The National Foundation for Credit Counseling Home - Elliott Report Clark’s Christmas Kids Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Zelle has been a conduit for pretext scams costing consumers billions. 13 months ago, Zelle promised that by January of this year, they’d have consumer protections in place. Never happened - until now. Also today, as the value of travel points continues downward, Clark helps you determine if credit cards tied into airline & hotel providers are worth the high annual fees - and the cards that may serve you better. Zelle Reforms!: Segment 1 Ask Clark: Segment 2 Travel Credit Cards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark’s Christmas Kids Payments app Zelle begins refunds for imposter scams after Washington pressure 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!) Popular Budgeting App Mint Is Shutting Down - Clark.com Best Budgeting Apps - Clark.com Turns out, the Equifax data breach was even worse than we thought How To Freeze Your Credit With Experian, Equifax and TransUnion Home Equity Loans & Lines of Credit: 7 Common Questions Answered One Mile at a Time: Southwest Points Will Be Worth Less In 2024 A new Southwest card bonus can get you halfway to Companion Pass status, which lets you fly a friend for free Southwest Credit Cards Offer Limited-Time Welcome Offer Boost -Clark.com Best Cash Back Credit Cards With No Annual Fee Best Travel Credit Cards: Top Rewards Picks for 2023 9 Ways To Save Money on Your Road Trip Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Who wants to be a millionaire? New data shows that 12% of American families are now millionaires. How they got there.  Clark Stinks: Segments 1 & 2 Becoming A Millionaire: Segment 3 Ask Clark: Segment 4 Mentioned on the show: DuckDuckGo — Privacy, simplified. WSJ.com: Never Mind the 1%. Mini-Millionaires Are Where Wealth Is Growing Fastest. Clark.com - Millionaires What Is an ABLE Account? How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, two very practical ways to prepare for your near and long-term future - doing a home inventory and saving for long-term care. Clark gets you prepared in case you ever need to make a home insurance claim, and then discusses the problems with the broken long term care industry. Learn what financial advisors recommend now, to plan for what 80% of older adults may someday need.  Home Inventory: Segment 1 Ask Clark: Segment 2 Long-Term Care: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is Digital Home Management and Why Is It Important? How To Store Your Important Financial Documents Online How Your Phone’s Camera Can Save You a Headache With Your Insurer Best Renters Insurance Companies and Ones To Avoid Actual Cash Value vs. Replacement Cost Value Coverage How Much Homeowners Insurance Do I Need? Best And Worst Homeowners Insurance Companies: October 2023 Are Money Market Funds a Safe Place To Stash My Savings? 3 Things Clark Says You Should Do With CDs Right Now Barrons.com: Most Seniors Will Need Long-Term Care. Here’s How to Save for It What Is Long-Term Care Insurance Cost & Coverage What Is an HSA Account and How Does It Work? Clark Howard’s #1 Rule Before You File an Auto Insurance Claim The American Community Survey: Is It Legitimate and Do You Have To Answer? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has new evidence to back up something he’s long been in favor of - automatic enrollment in retirement savings plans. How some states are making saving for retirement automatic for the people. And how you can make it happen for yourself. Also, have you ever dreamed of retiring abroad to save money? Clark offers three main areas of consideration before making a decision. Automatic SAVING: Segment 1 Ask Clark: Segment 2 Retiring Abroad: Segment 3 Ask Clark: Segment 4 Mentioned on the show: More states are offering auto-enrollment retirement plans, and they seem to be working Why automatic savings works: How to do it & the best ways to save How To Open a Roth IRA Are You Following Clark's Maximum Auto Loan Length Rule? Is the Privacy App Permission Slip Worth It? A Review Is a Costco Executive Membership Worth It? The Pros and Cons of Retiring Abroad Where Would Clark Howard Live if Not in the United States? Combating Spoofed Robocalls with Caller ID Authentication How To Stop Spam Calls for Good Top Travel Deals - Clark Howard / How To Find Cheap Flights in 3 Easy Steps Upside App Review: 6 Things To Know Before You Sign Up Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One decision that will save you big money over time is to buy a used car instead of new. And there is good news along that front. Clark updates what’s happening with prices on both new and used cars. Also, airline boarding can be a big headache - inefficient and time consuming. Clark has the solution.  Used Car Prices: Segment 1 Ask Clark: Segment 2 Fixing Airline Boarding: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - Report: 10 Used Cars With the Biggest Price Drops 10 Best SUVs You Can Buy Right Now Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank? 14 Places To Listen to Free Music Online Airline boarding: how to end the game of thrones fight for baggage space Health Insurance Guide California could make it easier to scrub your personal data from the web. Businesses are pushing back Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A recent court ruling could eventually change the landscape for realtors, bringing U.S. commissions in line with global standards. Also today, it’s beyond Clarkrageous that big banks still pay zip on savings. Clark tells you how to get the most from your savings via CDs. Realtor Court Ruling: Segment 1 Ask Clark: Segment 2 Best CD Savings Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: UPDATE 4-US jury finds realtors liable for inflating commissions, awards $1.78 bln damages Real estate heavyweights ordered to pay $1.7B, but big questions remain in high-stakes lawsuit Jury Verdict Could Reduce Real Estate Commissions, Slash Agent Head Count How To Roll Over A 529 Plan To A Roth IRA How To Make Your Online Accounts Accessible When You Die What Is an HSA Account and How Does It Work? Best Investment Companies for Investors in 2023 Big Banks Are Making Huge Profits Off Today’s Savings Rates—Are You? Vanguard CD rates - from USA Today 3 Things Clark Says You Should Do With CDs Right Now 14 of the Best High-Yield Online Savings Accounts in November 2023 Renew my Passport Online What Is Umbrella Insurance and Do You Need It? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Weekend! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, did you hear about the ponzi scheme that involved manure conversion to energy? It’s a hard lesson about investing. Clark shares how the mass movement for private placement investments came about - and became a green light for con artists.  Clark Stinks: Segments 1 & 2 Private Placement Investment WARNING: Segment 3 Ask Clark: Segment 4 Mentioned on the show Amazon Scam Warning: Beware of Deliveries You Didn't Order How To Build Credit How a Toilet Plunger Improved CPR NIH.gov - Mechanical vs manual chest compression What Is the Better Business Bureau and Should You Use It? Costco vs. Sam's Club: What Is the Difference? Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? Man Is Sentenced in $9 Million Cow Manure Ponzi Scheme Quality Condo living in the city vs Suburbs  Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Day! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. There are cultural differences when it comes to handling money and we in the U.S. aren’t known as champion savers… YET. If building savings for financial security eludes you, Clark has a two part plan to get you on track. Even if you carry debt, follow Clark’s simple start now, and ultimately rewrite your financial future. Also - Clark gives an overview of the rapidly changing streaming landscape and your choices. With prices on the rise, Free Ad Supported TV or FAST TV is gaining in popularity. Clarkcore Money Principles: Segment 1 Ask Clark: Segment 2 Streaming Update-FREE TV: Segment 3 Ask Clark: Segment 4 Mentioned on the show Financial Advisers Share the Best Financial Advice They’ve Ever Received Know thyself, know thy finances: which of the 5 money personalities are you? — The Conversation How To Save and Invest the Clark Howard Way How To Save Money: Spend Less & Build Your Savings How To Open a Roth IRA /  How To Build Credit Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit 6 Best Apps To Save Money on Groceries There’s a New Way to Watch TV. It’s Already More Popular Than HBO. Best Free Streaming Services in 2023: Movies and TV for Cord Cutters - Clark.com CLARK.com - Streaming TV 4 Things To Know Before You Buy a Digital TV Antenna Google Fi Wireless Review: Things To Know Before You Sign Up Best 529 College Savings Plans By State Understanding 529 rollovers to a Roth IRA - Fidelity Investments Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. If you’re trying to decide whether to buy a home now or wait, beyond pre-approval are several cost considerations to add to your decision process. Clark discusses some of the basic costs of owning a home so you go in with a realistic budget for the expected AND the unexpected. Also today, when doing an online search, there’s something you’ve absolutely got to lookout for, or it can hit you hard in the wallet.   The FULL Cost of Home Ownership: Segment 1 Ask Clark: Segment 2 A KEY Internet Search Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show Five Key Financial Aspects to Managing Your Home Cheapest Way to Rent a Car: Expert Tips When Should You Pay Off Your Mortgage Instead of Investing? [The Washington Post] Scammers are using Google results to target desperate travelers When Do You Need a Travel Agent? Income-Driven Repayment Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. People tend to carry a lot of embarrassment, shame and or anger around debt and other financial mistakes. Counselor Clark would like a word with you…. Also, water bills are up by about 50% over the last several years. Clark discusses the factors leading to this increase and what you can do about it. Facing Debt: Segment 1 Ask Clark: Segment 2 Rising Water Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Hill: Americans are hiding their credit card debt Clark.com - Credit Card Debt 6 Things To Know Before Contacting the National Foundation for Credit Counseling Best Cash Back Credit Cards With No Annual Fee /  CREDIT CARDS NYTimes: Water Bills Are Rising. Here’s What to Do About It. Should You Buy Cell Phone Insurance? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns from travel adventures November 27th. Rampant scams are now a global scourge, many now employing a tactic known as “pig butchering”. Clark shares a real life example and what you need to know. Also in this episode -Shocking new data reveals that most Americans are not on track for retirement. Our aspirations for early retirement don’t match up to how much is being saved for the future. Know how you can get on track for a more secure retirement.  “Pig Butchering” Scams Increasing: Segment 1 Ask Clark: Segment 2 Retirement Shortfalls: Segment 3 Ask Clark: Segment 4 Mentioned on the show Out almost $80,000? Don't get scammed NYPost : Newly divorced mom scammed of entire $100,000 401k savings in Tinder ‘pig butchering’ scheme Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Home Equity Loans & Lines of Credit: 7 Common Questions Answered Start saving now, and you could have this much for retirement Retirement savings shortfall in America Clark.com - Saving For Retirement /  How To Open a Roth IRA Target Date Funds: Clark's Favorite Retirement Investment Best Investment Companies for Investors in 2023 Pension Benefit Information Notifies TIAA of MOVEit Data Breach Affecting Over 2.6 Million How To Freeze Your Credit With Experian, Equifax and TransUnion Capital One Venture Rewards Credit Card: Travel Credit Card Review Best Travel Credit Cards: Top Rewards Picks for 2023 Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - First time home buyers face many challenges now, but as homebuilders also feel the crunch, there’s a shift in the housing market that may benefit you.  Clark Stinks: Segments 1 & 2 Homebuilder Incentives: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Good Credit Score? How to Find a Geriatric Care Manager / Senior Planning Is it safe to buy travel from a warehouse club like Costco? Clark's tips on saving for college Why 'Buy Now, Pay Later' Worries Clark Howard TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? Global Entry: 5 Things To Know Before You Sign Up Homebuilders turn to incentives to draw in priced-out buyer pool Mortgages Archives - Clark Howard Assumable Mortgage: What It Is, How It Works, Types, Pros & Cons So, you've frozen your credit: What to do next? How To Get a Free Credit Report How To Dispute an Error on Your Credit Report and Win Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

How should couples handle money? Clark has some tried & true recommendations. Also, criminals are doing address changes on people with the postal service to steal their mail, with disastrous consequences. What you need to know about new USPS security standards.  Couples & Money: Segment 1 Ask Clark: Segment 2 USPS Change Of Address ID Theft: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Joint Bank Accounts the Secret to a Happy Marriage? - The WSJ Common Cents: Bank Account Structure and Couples’ Relationship Dynamics Clark Howard's 5 Money Tips for Couples The Average Credit Score in America 4 Ways To Get Your Free Credit Score What Is a Good Credit Score? 5 Money Tips To Know Before You Travel Abroad USA TODAY: USPS address change policy requiring customers to verify identity Best Credit Cards for Students: Top Picks for 2023 Citi to Cardholders: Go Paperless or Else Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares recent research on the benefits of top tier gasoline. Also in this episode, do you get an annual raise? Some companies are going to forego those next year for some employees. What to do if you are affected.  Top Tier Gas: Segment 1 Ask Clark: Segment 2 Wage Increase Outlook: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Yahoo News: Who has better gas between Costco and Sam’s Club? Buying Gas From a Station on This List Is Better for Your Car 6 Things To Know Before You Buy Gas at Costco Wholesale How to find the best auto repair shops Most companies plan to give raises next year — just not to everyone. The strategy could backfire. What Is a Thrift Savings Plan? Clark.com - Streaming TV Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s getting cold out in many parts of the country. Clark has some good news on the home heating front. Also today - many insurance companies are purposely giving lowball offers for collision repairs. Clark has his own experience with this kind of dirty dealing. Know how to protect your wallet in the aftermath of an accident. Winter Heating Costs: Segment 1 Ask Clark: Segment 2 Auto Insurance Claim Rip-Offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Here’s a Bill That Might Be Lower Than Last Year’s - The WSJ 10 Ways To Lower Your Heating Bill How To Save Money on Utilities The #1 Bill You Should Get by Mail New lending rule aims to boost first-time homebuying with potential rental income Insurance companies have discovered devious new ways to rip you off Popular Budgeting App Mint Is Shutting Down Best Budgeting Apps in 2023: Our Top 6 Your voice matters: T-Mobile backtracks on price migrations during Q3 earnings Techdirt: T-Mobile Backs Off Price Hike They Pretended Wasn't A Price Hike Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The last three years have been the worst for doing traditional portfolio mixes of stocks & bonds. This brings forth “recency bias”. Clark discusses the state of the economy and how bonds fit into your portfolio. Also, self-driving cars have sparked a lot of debate. Are they ready for prime time?  Bonds Are A Deal: Segment 1 Ask Clark: Segment 2 Self-Driving Cars: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Things To Know About Series I Savings Bonds It’s Time to Stop Crying About Bonds and Buy Them Instead Bond markets are being hit hard — and it's likely to impact you Why is the US economy so resilient? Should You Ever Decline a Credit Limit Increase? How To Increase the Credit Limit on Your Credit Card GM halting driverless car service nationwide after California ban Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark talks about some of the perils of self-checkout and the new fully automated stores.  Clark Stinks: Segments 1 & 2 Fully Automated Markets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Buy a Used Car in 7 Steps 10 Ways To Save Money on Car Insurance 401(k) Match: What Is It, How It Works Axios: Chamblee market says no checkout, no cashier, no problem How To Freeze Your Credit With Experian, Equifax and TransUnion How To Monitor Your Credit How To Dispute a Charge on Your Credit Card Submit a complaint | Consumer Financial Protection Bureau Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Phone scams are proliferating, especially those using AI technology. Some current text scams are exploiting increased deliveries around the holidays. Clark explains what to look out for, and how to avoid getting taken. Also, the big pharmacy chains are closing locations all over the place right now. Get Clark’s perspective, plus a review of how to save more on prescription drugs. New Phone Scam Alerts: Segment 1 Ask Clark: Segment 2 Pharmacy Closings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Phone Scams: 5 You Need to Beware Of Now Scammers exploit Bitcoin ATMs. Will new California laws help crack down on fraud? Scam Alert: Texts about delivery issues that ask you to click on a link are fake, USPS warns   How To Establish Your Own Side Hustle  /  SideHUSL.com CVS, Walgreens and Rite Aid are closing thousands of stores. Here’s why [The Washington Post] Drugstore closures are leaving millions without easy access to a pharmacy   10 Ways To Save on Prescription Drugs Will Mark Cuban's Prescription Company Really Save You Money? What's the Gift Tax Exclusion for 2023? How To Dispute an Error on Your Credit Report and Win Information about Organ, Eye, and Tissue Donation Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark tells you how Airbnb‘s legal battles and new restrictions affect both customers and landlords. Also in this episode, there are extreme changes going on in the jewelry business that can save you a fortune!  Short-term Rental Restrictions: Segment 1 Ask Clark: Segment 2 Lab Created Diamonds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: TN Supreme Court delivers partial win for Airbnb in legal disputes with HOAs - USA TODAY 4 Ways To Stop Junk Mail [The Washington Post] Will you take this (lab-grown) ring? Prada hopes so. How 2023 became the year of the lab-grown diamond Clark.com - Cell Phones Should I Keep My Old Car or Buy a New Car? How To Plan a Trip: Clark's Best Travel Tips To Save Money Costco Travel: 5 Things To Know Before You Book How to Make a Disposable Razor Last 12 Months Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you unintentionally giving yourself a pay cut? 25% of American couples are. How couples can make sure they are balancing retirement savings. Also, good news around teen driving safety, and good advice for adult drivers.  Retirement Savings For Couples: Segment 1 Ask Clark: Segment 2 Teen Driver Safety: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are you leaving money on the table: How 1 in 4 couples is missing out on 401 (k) savings -USA TODAY What Is a Spousal IRA and What Are the Rules? Should I Buy an AirTag for My Checked Airport Luggage? 4 Things You Should Always Pack in Your Carry-On Turo: 5 Things To Know About the Cheap Car Rental Service Report: Young driver fatality rates have fallen sharply in the US, helped by education, technology 5 Major Bills You Can Lower This Month Costco Car Buying Program: 4 Things To Know Before You Sign Up The Best Car-Buying Services in 2023 Alliant Cashback Visa® Signature Credit Card: Get 2.5% Cash Back on Everyday Purchases Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

Feasting season is upon us. New data on food prices brings good news for smart shoppers. Clark has some great advice on saving more at the grocery store. Also - restaurant food can be more expensive when ordering on apps or with food delivery. How to get more for your restaurant dollars.  Grocery Savings: Segment 1 Ask Clark: Segment 2 Food Delivery Upcharges: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Food Is on Sale Again. You Might Still Have Sticker Shock. - The Wall Street Journal. Walmart, Aldi lowering Thanksgiving dinner prices for holiday season - USA TODAY  4 Insurance Policies You Actually Need (and 6 You Don't) Chick-fil-A reportedly agrees to $4.4 million settlement over delivery price upcharges -USA TODAY Do I Need Travel Insurance for Flights? And Should I Buy Separate Insurance for Each Part of My Trip? Retailers Offer Me Warranties on Everything I Buy Now. Are Any of Them Worth It? Elliott Report: Home Wills & Funerals Archives - Clark Howard Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, approaching Veteran’s Day, Clark has valuable info for those who serve or have served in our military about scams aimed at veterans, and deals available to veterans.  Clark Stinks: Segments 1 & 2 Deals For Veterans + Scam Alerts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Clark Howard Thinks of 'Crypto Winter' After Big Crash 10 Ways To Save Money on Car Insurance 5 Credit Card Mistakes To Avoid How to Buy a Used Car in 7 Steps CarMax Review: 5 Things To Know Before You Buy or Sell Veterans Should Look Out for These Scams Clark.com Military guide Clark.com 25+ places that offer discounts for veterans Best Cash Back Credit Cards With No Annual Fee The Business Model of Reinsurance Companies Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark tells you why it may save you money to rethink how you use your dishwasher and washing machine. Also in this episode, we’re getting hit with tip requests from all new places. What are the rules now? Clark shares his ideas about this and some general guidelines.  Saving Water & Energy: Segment 1 Ask Clark: Segment 2 Tipping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] Experts say don’t pre-rinse your dishes. We put that advice to the test.    Best Cash Back Credit Cards With No Annual Fee Best Travel Credit Cards: Top Rewards Picks for 2023 Best Airline Credit Cards for 2023: Are They Right For You? A Modern Day Guide to Tipping Holiday Tipping: Who To Tip and How Much How to Freeze Your Child's Credit Submit a complaint | Consumer Financial Protection Bureau What is a Passport Card? - Travel.gov Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Season of Giving means donation requests coming from all sides. Clark helps you tell the legit charities from the crooks. Also, you may have noticed that affordable furniture often is not made to last these days. Some items are basically disposable. Get Clark’s take on how to find quality furniture for low prices. Wise Charitable Giving: Segment 1 Ask Clark: Segment 2 On Furniture: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to make sure your donations count when weather disasters strike Clark.com How To Choose the Best Charities for Your Donations Clark.com - Car Rentals Best Investment Companies for Investors in 2023 [The Washington Post] Why furniture got so bad How To Freeze Your Credit With Experian, Equifax and TransUnion Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s an industry wide problem in the travel industry. Clark explains the danger you face when searching for travel deals online. Also today, Clark discusses how hospital systems drive up costs and how to save money on medical procedures. Bogus Travel Sites: Segment 1 Ask Clark: Segment 2 Save On Medical Procedures: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Hotel deals harder to find as third-party travel sites mirror each others' rates Is Amazon Prime Worth It? 12 Common Amazon Scams To Avoid Clark Deals - Today's Best Deals of the Day Are Your Hospital Outpatient Department Costs Too High? A Doctor's Office May Help How To Open a Roth IRA How Many Credit Cards Should I Have? Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains what can happen when you use the same password on multiple websites. Also today - Reportedly timeshares are making a comeback among younger travelers. Clark drivers the truth about timeshares Password Safety: Segment 1 Ask Clark: Segment 2 Timeshares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] Worried about the 23andMe hack? Here’s what you can do. Car Insurance Archives - Clark Howard Homeowners Insurance Archives - Clark Howard Target Date Funds: Clark's Favorite Retirement Investment How To Sell, Cancel or Get Rid of Your Timeshare Timeshares - Clark.com TRICARE Young Adult Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Sponsor Link: Raisin Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - New reporting indicates that some credit unions are not behaving in the way that represents their members. Clark explains what you need to know about the superior choice for banking: credit unions.  Clark Stinks: Segments 1 & 2 Credit Unions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Mail a Check Top Travel Deals - Clark Howard Clark's National Travel Deals - Clark Howard How much does real estate agent experience matter? Here’s what the data says. Credit Unions Are Making Money Off People Living Paycheck to Paycheck Credit Union vs. Bank: What's the Difference? Virtual Credit Cards: An Online Security Measure Worth Taking? Elliott Report Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Fake sales are standard practice but especially abundant during the holiday season. Learn how promotional merchandise works to trick consumers into thinking they’re getting deals & how to tell a real bargain from a fake one. Also today - It’s a brutal housing market for would-be first time buyers. Renting & waiting is a viable alternative. Those needing to go ahead and buy now have more choice from new construction, and several avenues to explore to make a home purchase more affordable, including ARMs & ADUs. Retail Mind Games: Segment 1 Ask Clark: Segment 2 Home Buying Strategies: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Retailers are using a simple mind trick on you to make their discounts seem bigger than they are  Disney World and Disneyland raise prices for passes and tickets Google Play - Property Assistant by Flyreel The Real Reason Why Your Insurer May Not Renew Your Policy Axios:Charted: Homebuyers' call to ARMs Tiny Homes Are the Hot New Homeowners’ Accessory - WSJ How To Buy a House in 9 Steps / Is It Safe To Buy a Home Out of Foreclosure? Best 529 College Savings Plans By State Simple Interest vs. Compound Interest: The Main Differences How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Finding a financial advisor who won’t rip you off is tricky business. Clark shares some new ways to find your true fiduciary. Also, get the update on Walmart’s innovative in-store healthcare facilities. Financial Advisors: Segment 1 Ask Clark: Segment 2 Walmart Health Centers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Financial Advisor and Do I Need One? Advice-Only Network  /  Flat Fee Advisors Should I Purchase Mortgage Life Insurance? What Is Mortgage Protection Insurance and Do You Need It? How To Buy Term Life Insurance in 7 Easy Steps Walmart expands online healthcare benefits for US employees Senior Care: Planning for the Future What Brokerage Do You Recommend for First-Time Investors or Kids? How To Open a Roth IRA When Do You Need a Travel Agent? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you a Super Saver? Clark discusses the key choices you can make in your life that will truly empower you to have control over your financial future. There are 2 big decisions that most enable super savers to live on less than what they make. Also today - by design, many websites employ tricks to manipulate your buying, subscription and privacy choices. Recognizing these “dark patterns” can keep you above the fray of getting played.  What Super Savers Know: Segment 1 Ask Clark: Segment 2 Seeing Dark Patterns Online: Segment 3 Ask Clark: Segment 4 Mentioned on the show Here are the top sacrifices made by 'super savers' The Millionaire Next Door How To Open a Roth IRA What Is a Fiduciary Financial Advisor and Do I Need One? How to Buy a Used Car in 7 Steps Why You Might Want To Dump Your Delta Credit Card Now Dark patterns: how online companies strive to keep your money and data when you try to leave — The Conversation 7 Things To Know About the Venmo Credit Card Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Great news on junk fees, especially when buying concert tickets and booking travel online. New rules will simplify comparison shopping online. Also, AI has shown its potential to be very helpful in many ways. Unfortunately, it’s being used for more sinister purposes that you need to know about.   Junk Fee Transparency: Segment 1 Ask Clark: Segment 2 Beware AI Fakes: Segment 3 Ask Clark: Segment 4 Mentioned on the show What you see is what you’ll pay: New law bans ‘junk’ fees on hotel bills, concert tickets, etc. ‘Spending Money to Get Nothing’: The Latest on Resort Fees Opt Out of T-Mobile’s Upcoming Plan Migration Using These Steps T-Mobile’s Forced Plan Migration: How To Opt Out Auto Europe® Car Rentals - Official Site Tom Hanks Warns of Dental Ad Using A.I. Version of Him [The Washington Post] AI voice clones mimic politicians and celebrities, reshaping reality What Is Umbrella Insurance and Do You Need It? What Are Index Funds? Ask Clark: What Is a Backdoor Roth IRA? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark talks about why Buy Now Pay Later, aka Pay in 4 services, have become a disaster for so many, especially Gen Zers.  Clark Stinks: Segments 1 & 2 Pay In 4 Is A Trap: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Airline Credit Cards for 2023: Are They Right For You? Select Delta Customers Will Receive a Valuable New Credit Card Perk Cruises for Singles and Solo Travelers Investors criticize federal retirement savings program over new system AnnualCreditReport.com / 4 Ways To Get Your Free Credit Score Safely Order High Security Checks Online - Costco Checks Sam's Club Checks - High Security Checks Costco vs. Sam's Club: What Is the Difference? 10 Best New Products at Costco in October NYTimes: Gen Z Is Poised to Spend More on Debt Than Others. It Could Derail Retirement.   Buy Now Pay Later users: young and well-off but nearing a financial cliff, poll shows New York Fed: Many Buy Now, Pay Later users are financially fragile Vanguard Personal Advisor Review Elliott Report Member's Mark Luggage at Sam's Club Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark goes Back To Basic on auto insurance. Due to gigantic premium increases, more people are going without or buying minimums, which can be risky. Learn what coverage you’ve GOT to have, and how to make decisions regarding collision, comprehensive, and deductibles. Once you figure your coverage, you’re ready to shop insurers. Also, end of life discussions are not easy to initiate, but talks about your own or an aging loved one’s end-of-life care and burial arrangements - making wishes known - deeply benefit all concerned. Determine Your Auto Coverage: Segment 1 Ask Clark: Segment 2 End-Of-Life Talks: Segment 3 Ask Clark: Segment 4 Mentioned on the show 10 Ways To Save Money on Car Insurance Collision vs Comprehensive Car Insurance: Which Do You Need? Liability vs. Full Coverage: Which Auto Insurance Do You Need? Bluebird AMEX Prepaid Debit Account Agreement International Travel Tips: 26 Things to Know Before Going Overseas Why You Should Keep Old Credit Card Accounts Open Stop putting off the end-of-life talk with your aging loved ones. Here's what to say What to Discuss With Your Aging Parents as They Get Older Living Will and Durable Power of Attorney: Frequently Asked Questions Wills & Funerals Archives - Clark Howard When Do You Need a Travel Agent? The Only Way You Should Pay for a Cruise Travel Insurance? What You Need To Know Before You Buy Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you use autopay for credit card bills? If so, Clark has a warning for you. Also, life is about change and that’s surely evident with jobs & career opportunity. Clark looks at the fastest growing jobs today, including college requirements and average pay.  Credit Card Autopay Warning: Segment 1 Ask Clark: Segment 2 Job Growth Fields: Segment 3 Ask Clark: Segment 4 Mentioned on the show Autopay Is Making Us Worse at Managing Credit-Card Bills - The Wall Street Journal. Automatic Bill Pay: How It Works and How To Do It Safely Clark Howard's Advice Before You Buy a Franchise Watch out for Avis/Budget Fuel charges [Crazy customer support call experience] Here are the best high-paying and fast-growing jobs for the next decade Healthcare.gov What Is an HSA Account and How Does It Work? How To Switch Banks in 4 Simple Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Have you given up on guarding your data & privacy online? Help has arrived. Clark reviews a new app from Consumer Reports that works to delete or minimize your digital footprint, managing online privacy for you. Also in this episode, first hand observations on Uber vs. Lyft.  Privacy App- Permission Slip: Segment 1 Ask Clark: Segment 2 Uber Vs. Lyft: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] Overwhelmed trying to protect your privacy? A new app does it for you.  The Atlantic’s Guide to Privacy California Consumer Privacy Act (CCPA) / State Right to be Forgotten Policy Judge Delays CA Data Privacy Law to 2024, says Consumer Watchdog Callable Certificate of Deposit (CD): What it Means, How it Works Best CD Rates for October 2023 - Up to 5.67% - Bankrate Clark.com - Best High-Yield Online Savings Accounts Sam’s Club® Mastercard® Review 2022: Earn 5% Back on Gas Purchases China price pressure offers hope of Christmas cheer for western shoppers 9 New Cell Phone Deals in October How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s become easy for burglary rings to break into hotel rooms, but there’s also an easy way to protect yourself. Also today, updates on Amazon regarding federal allegations, the Amazon internet service launch, and what consumers need to know about both.  Hotel Room Break-Ins: Segment 1 Ask Clark: Segment 2 Amazon Updates: Segment 3 Ask Clark: Segment 4 Mentioned on the show Caution: Criminals in California Use Insider Device to Break Into Hotel Rooms - Here's How to Protect Yourself Vacatia - Rent A Timeshare Inside Project Nile: Amazon's secret AI-powered plan to change the way you shop online. The first two Amazon Kuiper satellites are set to launch on October 6 Clark.com - Amazon Report: The #1 Internet Provider in America Going™ | Formerly Scott's Cheap Flights Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, many a tale of woe proves the point: It’s important to have beneficiaries up to date and to understand which takes precedence - a beneficiary designation or a will and trust. Clark Stinks: Segments 1 & 2 Update Your Beneficiaries: Segment 3 Ask Clark: Segment 4 Mentioned on the show AutoSlash Review: How To Save on a Rental Car How To Make Your Online Accounts Accessible When You Die What Do I Need To Do To Make Sure My Financial Affairs Are in Order Before I Die or Become Disabled? Safe Browser Alternatives That Promise Not To Track You Wills & Funerals Archives - Clark Howard Wills versus Trust - Clark Howard Community Who Should Consider Setting Up a Trust? Best Online Will Maker: 5 Free or Cheap Options We Just Got Married. How Do We Blend Our Finances? What Is Long-Term Care Insurance Cost & Coverage Senior Care Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Scams persist, ubiquitous & unabated. So must our warnings!  Be hip to the latest ways crooks are trying to separate you from your money. Also in this episode - prenuptial agreements are more common these days. Why Clark has a hard time talking about them, and some of  the circumstances that warrant this legal arrangement.  Be SCAM Aware: Segment 1 Ask Clark: Segment 2 Prenups: Segment 3 Ask Clark: Segment 4 Mentioned on the show NYT - You’ve Got (Scam) Mail Actors Impersonating Federal Agents Called Seniors. About 12% Handed Over Sensitive Info. How to avoid the No. 1 text message scam putting your money at risk 22 Ways To Save Money on Groceries Flexcar: Your flexible alternative to car ownership Axios: America embraces prenups: 50% of adults open to signing BBB - Amica Mutual Insurance Company Best Auto Insurance Companies and Some of the Worst: September 2023 Someone got so fed up with GE fridge DRM – yes, fridge DRM – they made a whole website on how to bypass it Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares new work-from-home statistics and how that is shifting businesses. Also in this episode: When it comes to your investments, knowing what the fees are in the funds you choose is crucial. The fee difference can translate into huge money you could miss out on in retirement. So investors, Clark has an assignment for you!  Working From Home: Segment 1 Ask Clark: Segment 2 Index Fund Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show Axios Chart: Who works from home Even a Booming Economy Can’t Save Atlanta’s Office Market Workplace loneliness is the modern pandemic damaging lives and hurting businesses — The Conversation What Is Umbrella Insurance and Do You Need It? What Are Index Funds? / What Is an ETF? You Might Be Paying Too Much for That Index Fund - The Wall Street Journal. Why You Should Never Invest With a Bank 3 Places You Should Never Invest Your Money Best Investment Companies for Investors in 2023 How To Open a Roth IRA Best Cash Back Credit Cards With No Annual Fee Best Small Business Credit Cards: Top Picks for 2023 Should You Get a Business Credit Card? | When is it Worth it? What Should You Do About Phone Data on an International Trip? The Best Places To Buy Unlocked Phones The Best International Phone Plans International Travel Tips: 26 Things to Know Before Going Overseas Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

When buying or selling a home, your choice of a real estate agent is much more important than you may think.  Also today, Clark has good news on the new car purchase front - but it’s a double message. Get the lay of the land on current cost considerations if you’re in the market for a new vehicle.  Choosing A Real Estate Agent: Segment 1 Ask Clark: Segment 2 Buying A New Car: Segment 3 Ask Clark: Segment 4 Mentioned on the show How much does real estate agent experience matter? Here's what the data says. The Clark-Approved Way To Invest in Real Estate The Only Reason You Should Make an Improvement to Your Home Annual New Car Ownership Costs Boil Over $12K The Rising Costs of Owning a Car How much does it cost to raise a child? College may no longer be the biggest expense. Clark.com - How to Buy a New Car in 5 Steps Clark.com - How to Buy a Used Car in 7 Steps Costco Auto Program: Deep Discounts on Volvos and Audis Deep Discounts on New Mercedes Benz Cars Should I Keep My Old Car or Buy a New Car? Fidelity Personalized Planning & Advice Review Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark puts interest rates in perspective, discussing where they’re headed and the impact of the national debt on rates.  Also today: The home reliability market for power. Utility scale batteries are providing more reliable, lower cost backup power. And batteries are paying a role for home interruptions as well. What to know about battery alternatives to diesel & whole house generators Interest Rate Assessment: Segment 1 Ask Clark: Segment 2 Home Battery Generators: Segment 3 Ask Clark: Segment 4 Mentioned on the show Once Unthinkable Bond Yields Now the New Normal for Markets 9 Best Free Checking Accounts in October 2023 What Are Repositioning Cruises and Why Take One? Giant Batteries Helped the U.S. Power Grid Eke Through Summer Should I Rent My Roof To a Solar Panel Company for Income? Community Solar worth it? - Clark Howard Community Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, as a prolific energy producer, US prices tend to be lower than elsewhere in the world. Yet, here comes that high power bill. The good news is, there are several improvements you can make to reduce the amount of energy needed for heating & cooling.  Clark Stinks: Segments 1 & 2 Lower Heating Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show Should You Buy an Extended Warranty on Your Car? Why We’re Pulling Our Recommendation of Wyze Security Cameras Clark Howard's 4 Travel Rules You Should Follow Right Now Should I Buy an AirTag for My Checked Airport Luggage? Big Change Announced for Fidelity® Rewards Visa Signature® Credit Card Is Medical Tourism Right for You? [The Washington Post] How to use window coverings to boost your home’s energy efficiency  10 Ways To Lower Your Heating Bill   /   How To Save Money on Utilities Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels Best 529 College Savings Plans By State Where Should I Look for a Great Deal on a Cruise in 2023? When Do You Need a Travel Agent? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s now easier than ever to monitor your credit reports for free, but there are a few pitfalls to be aware of. Also in this episode - Living in an HOA community is a choice about 1/4th of homeowners have made. Homeowners associations can be great, but can also pose problems. Believe it or not, you can lose your home to one if you’re not careful.  Free Credit Reports: Segment 1 Ask Clark: Segment 2 Homeowners Associations: Segment 3 Ask Clark: Segment 4 Mentioned on the show Credit Bureaus Announce Big Changes for Credit Reports How To Monitor Your Credit / Dispute an Error on Your Credit Report and Win 4 Ways To Get Your Free Credit Score Credit Karma Review: Free Credit Score and More at Your Fingertips The Jello Exercise - YouTube Looking to Lower Your Funeral or Cremation Costs? Join a Non-Profit Memorial Society How Do I Make Sure My Financial Affairs Are in Order Before I Die or Become Disabled? When the Homeowners Association Comes for Your Home Why You Need To Re-Shop Your Car Insurance Right Now What Is a Thrift Savings Plan? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s a frustrating game - appealing a denied medical claim. They’re counting on you to give up. Don’t. Clark shares the best approach and strategies. Also, housing market conditions remain hostile for first time home buyers. Some sources say now is the time to buy. Clark offers a different opinion, and direction moving forward.  Health Insurance Claim Appeal: Segment 1 Ask Clark: Segment 2 First Time Home Buyers: Segment 3 Ask Clark: Segment 4 Mentioned on the show I Set Out to Create a Simple Map for How to Appeal Your Insurance Denial. Instead, I Found a Mind-Boggling Labyrinth. What Should You Do if Your Insurance Claim Is Denied? Health Insurance Guide / Health Insurance Archives - Clark Howard 10 Ways To Save on Prescription Drugs 40% More Savings on Nearly 200 Medications at Walgreens with GoodRX A 3% Mortgage Rate in a 7% World? This Startup Says It Can Do That Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Out of the massive and ongoing losses of the pandemic, many people reassessed their lives and livelihoods. This reset has led to a wave of new businesses. Clark discusses how this is outstanding for the American economy, the hope and hazard of entrepreneurship - and the upstart scammers that startups must look out for. Also today, are you obsessed with your fitness devices? This can become a problem for some… including Clark.  Small Business: Pride & Peril: Segment 1 Ask Clark: Segment 2 Fitness Devices: Segment 3 Ask Clark: Segment 4 Mentioned on the show The Pandemic Small-Business Boom Is Fueling the US Economy Vetting a business or coaching opportunity before you buy in How To Find and Choose a Financial Advisor Your Fitbit and Apple Watch may wind up hurting you Yes, your smart TV is spying on you – Here's how to stop it Save $30 with a new Costco membership Homeowners Insurance Archives - Clark Howard California changes homeowner's insurance to repair the market Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

October holiday shopping is Clark Smart this year. Clark surveys the retail landscape with money saving strategies involving bargain product categories. Early birds SAVE MORE!  Also today - how we pay for things continues to change. As the use of cash & checks fades into history, modern forms of payment are evolving into biometrics. Electronic methods often mean we lose track of our spending. Not cool.  Holiday Shopping: Segment 1 Ask Clark: Segment 2 E-Spend Control: Segment 3 Ask Clark: Segment 4 Mentioned on the show Factbox: U.S. retailers unveil hiring plans ahead of holiday shopping season Christmas is on hold: Stores’ holiday hiring plans are the lowest since 2008 Amazon’s New Challenge: Bargain Retailers That Are Playing a Different Game Christmas shopping starts earlier every year – here's why, and how to shop smart — The Conversation Planning To Spend Less on Gifts This Holiday Season? Join The Club Clark Deals - Today's Best Deals of the Day Amazon.com faces an array of US consumer, state antitrust lawsuits Why You Might Want To Dump Your Delta Credit Card Now Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Why Clark Howard Added This Credit Card to His Wallet in 2022 Paper checks are dead. Cash is dying. Who still uses them? Airline consolidators  / The Complete Guide to Business Class Flights Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Something else stinks - Medicare advantage plans! Clark explains the Medicare advantage plan trap in existence in most states.  Clark Stinks: Segments 1 & 2 Medicare Dis-Advantage Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show Google Fi Wireless Review: Things To Know Before You Sign Up Longevity Insurance: What Is It and Do You Need It? 2 Ways To Guarantee Yourself a Lifetime Stream of Income What Is an Annuity, and Why Does Clark Think They Stink? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Why Clark Howard Added This Credit Card to His Wallet in 2022 Many Medicare Advantage Members Find Challenges With Plans, Survey Finds Why I Think Medicare Advantage Plans Stink - Clark Howard Here Are Your Home Warranty Horror Stories What Does a Home Warranty Cover, and Is It Worth The Money? Clark Howard's Guide to Saving Money on Your Wedding Free Audiobooks: 11 Places Online and Apps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains how the credit card reward game goes through cycles, and where we are now in terms of you applying for credit. And with interest rates high, if you do carry debt, know the best kind of card to use.  Also today - fees are creeping into everything! Get Clark’s warning about new online shopping fees you could easily miss. Credit Card Offers & Interest: Segment 1 Ask Clark: Segment 2 Junk Fees Are Morphing: Segment 3 Ask Clark: Segment 4 Mentioned on the show 5 Ways Credit Union Credit Cards Can Beat Flashy Bank Offers Credit Card Offers Are Eroding The most insidious part of online shopping is about to get even worse Safe Browser Alternatives That Promise Not To Track You Brave: Secure, Fast, & Private Web Browser with Adblocker Get Firefox browser — Mozilla (US)  /  DuckDuckGo — Privacy, simplified. How To Freeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One of the best decisions you can make is to start saving for retirement early. Clark discusses the psychology behind saving. Also, pharmacy errors have become all too common and can cause great harm. Clark has an important tip to help make sure you’re getting the correct medication.   Get Psyched For Saving: Segment 1 Ask Clark: Segment 2 Pharmacy Errors: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ.com: The Secret to Saving for Retirement: Start Before You’re 20 How Our Brains Affect Our Savings Habits -- and What Experts Say to Do About It If you start early and save this much a month you could have a decent retirement Bloomberg Industry Group: Benefits & Executive Compensation News: Retirement Savings Shortfall in US Will Cost $1.3 Trillion Cheapest Way to Rent a Car: Expert Tips Turo: 5 Things To Know About the Cheap Car Rental Service Pharmacies fight to keep errors secret How To Find and Choose a Financial Advisor What Is an Annuity, and Why Does Clark Think They Stink? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

September 26   Professor Clark: Credit Scores 101  /  Smart Borrowing For Small Business Clark provides a 101 refresher on credit scores. Even if you don’t need to borrow, there are valid reasons to pay attention to your score. Hear about the variety of score models and how to keep your overall score healthy. Also, changes in the banking sector have made it hard for small businesses & entrepreneurs to obtain working capital. Clark shares the best approaches, from local banks and credit unions, to credit cards - plus a warning about fintech instant loans.  Credit Score Reset: Segment 1 Ask Clark: Segment 2 Small Business Cash Flow Needs: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why You Don't Need an 800 Credit Score  /  How To Monitor Your Credit Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Score Guide  /  4 Ways To Get Your Free Credit Score Credit Score Tips: Expert Helps Take Your Score From Good to Great Is Apple Card Worth It? 5 Things To Know in 2023 Small-business owners say it’s hard to get a loan and fear more challenges ahead The Basics of Forming a Limited Liability Company (LLC) Best Secured Credit Cards for 2023: Top Picks for Building or Repairing Credit Petal Card Review: A Good Option for First Credit Card? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The vehicle market is going through a slow, steady healing process. Inventory is up. In light of the UAW strike, Clark discusses pricing for both new & used automobiles. Also today, Clark explains how Delta, United and American airlines actively devaluing their frequent flyer programs - is actually good for travel consumers. Vehicle Market Update: Segment 1 Ask Clark: Segment 2 Devalued Miles: Segment 3 Ask Clark: Segment 4 Mentioned on the show Buying a car? What the UAW strike means – and doesn’t mean – for auto sales Wall Street Bet Big on Used-Car Loans for Years. Now a Crisis May Be Looming. I Don’t Like My Car but I’d Be Upside Down if I Traded It In. Is There Anything I Can Do? 7 Cheapest Cities To Buy a Used Car How Do I Find a Mechanic To Inspect the Car if I Find a Used Vehicle Hundreds of Miles Away? Student Loan Payments Are Restarting: 4 Things To Know SAVE Repayment Plan Offers Lower Monthly Loan Payments 9 Ways To Pay for College Without Student Loans [The Washington Post] A golden era of airline status is ending Points Guy - Delta SkyMiles changes: Airline overhauls how you earn Medallion status in biggest change yet Why You Might Want To Dump Your Delta Credit Card Now (Clark.com) Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - your privacy online. Europe's Digital Service Act is changing the online experience. Many of us are ignoring new privacy reminders. Clark explains why we’re seeing these, and why you should respond. Clark Stinks: Segments 1 & 2 Enhanced Online Privacy: Segment 3 Ask Clark: Segment 4 Mentioned on the show 8 Tips for Staying Cool Without Heating Up Your Energy Bill Travel Insurance? What You Need To Know Before You Buy InsureMyTrip Review: Why We Like It and How to Use It Apple Recycling Programs [The Washington Post] What the E.U.’s sweeping rules for Big Tech mean for your life online Privacy Archives - Clark Howard Who Should Consider Setting Up a Trust? Reasons To Consolidate Retirement Accounts Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark.com provides in-depth coverage of cell phone plans, including pre-paid options. While the big 3 push higher bills at a time of marginal growth, 1 in 4 customers have gone to discounters. There are so many new cell phone plans out there - consider switching to save big bucks. Something else that can save  big money is to travel to a foreign country for dental care. This potential alternative is an important, individual, research based choice. Prepaid Phone Plans: Segment 1 Ask Clark: Segment 2 Dental Tourism: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best Cell Phone Plans in 2023: The Cheapest Plan for Every Need Why You Should Consider a Prepaid Phone Plan Fierce Wireless - AT&T launches new prepaid plan at Walmart, Target Cricket Wireless: New Multi-Month Unlimited Plans From $30/Month Cricket Wireless Review: 5 Things To Know Before You Sign Up Clark Howard's Guide to Saving Money on Your Wedding How a Tiny Mexican Border City Built a Budget Dental Empire - Bloomberg Clark.com - Is Medical Tourism Right for You? Best 529 College Savings Plans By State Families can make a tax-free rollover from 529 plans to Roth IRAs in 2024 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a brewing war between food delivery services and restaurants and it’s costing customers. Clark discusses the big price difference between food delivery vs pickup or dining in, and the embedded cost of using food apps. Also, due to the unreliability of flight schedules, more people are driving to destinations they can reach in 8 hours or less. As an alternative, there are more discounted bus service options today to consider. A look at regional bus radial routes may save you money on travel Food Delivery Costs: Segment 1 Ask Clark: Segment 2 Bus Travel: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Who Should Eat the Cost of Pricier Delivery Menus? Food Delivery - DoorDash UberEats etc - Clark Howard Community What Is a Spousal IRA and What Are the Rules? 5 Things to Know About the Costco Car Rental Program Credit Card Car Rental Insurance: What You Need To Know Traveling by Bus Is No Longer a Plan B for Many Americans - The Wall Street Journal. Skiplagging: How it works and why the airlines can't stand it Amazon Clinic Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Thanks to the sheer magnitude of retail theft, until solutions are found, we’ll continue to see more items under lock & key in many retail stores. Mentioned on the show Dollar Tree said theft is such a problem it will start locking up items or stop selling them altogether The Best International Phone Plans Google Fi Wireless Review: Things To Know Before You Sign Up Google Fi Wireless: Free Trial and New Plan Perks How To Freeze Your Credit With Experian, Equifax and TransUnion How Do You Decide if You Should Buy a Leased Vehicle When the Lease Ends? What Are Index Funds? Best Financial Advisors in 2023 Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The auto insurance industry is in a world of hurt and aggressively raising rates. Clark explains the factors involved and what you can do to help keep your costs down. Also today, life expectancy is a roll of the dice but generally, people are living longer. There’s a little known and very smart way to avoid outliving your money - longevity insurance.  Auto Insurance Bill Shock: Segment 1 Ask Clark: Segment 2 Longevity Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark Howard: Habitat for Humanity - Clark Howard Car Insurance Archives - Clark Howard What Is Umbrella Insurance and Do You Need It? Best Travel Credit Cards: Top Rewards Picks for 2023 Marketwatch - Can you answer this crucial retirement-planning question? Most people can’t. Want to live to 100? "Blue Zones" expert shares longevity lessons in new Netflix series Clark.com: Longevity Insurance: What Is It and Do You Need It? How To Open a Roth IRA Clark.com - Best High-Yield Online Savings Accounts Target Date Funds: Clark's Favorite Retirement Investment Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, the U.S. has the highest credit card processing merchant fees in the world - the system that feeds credit card rewards. Clark explains the industry battle surrounding the proposed Credit Card Competition act of 2023, which would allow free market competition for merchant processing. Learn what’s at stake and where Clark stands on getting U.S. fees aligned with the world standard. Clark Stinks: Segments 1 & 2 The Credit Card Competition Act: Segment 3 Ask Clark: Segment 4 Mentioned on the show Home Equity Loan vs. HELOC: What's the Difference? Aven HELOC Card: 5 Things To Know About the Home Equity Credit Card Credit Card Car Rental Insurance: What You Need To Know Target Date Funds: Clark's Favorite Retirement Investment Equifax - Can Creditors Go After My Retirement Accounts? 3 Strategies for Building a Core Portfolio Should I Buy an AirTag for My Checked Airport Luggage? 4 Things To Know Before You Buy a Digital TV Antenna WSJ - Visa, Mastercard Prepare to Raise Credit-Card Fees Congress.gov - S.1838 - Credit Card Competition Act of 2023 Clark.com -Are Credit Card Rewards Going Away? The Best Places To Buy Unlocked Phones 6 Things To Know Before You Buy Gas at Costco Wholesale TOP TIER™ Gasoline Brands Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares new information about the job market including what workers want most, and opportunity for over 50 workers. Also today, an uncertain economy has bred many finance stories about the cheapest places to live. But moving for financial reasons is a big decision with multiple factors to consider. How to figure out if you should move for money.  Employment Trends: Segment 1 Ask Clark: Segment 2 Financial Relocation: Segment 3 Ask Clark: Segment 4 Mentioned on the show Over 50? You’re a Hot Ticket in Today’s Labor Market What 89% of Workers Are Willing To Give Up Their Job For This Company Created a Return-to-Office Plan That Employees Actually Like What Is Deferred Compensation? - Investopedia Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 How Does Booking Travel Through a Credit Card Rewards Program Compare? Charging an EV? Get Cash Back from Your Credit Card Should You Move for Financial Reasons? What to Know What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor How to Sell Your Car in 5 Steps What's the Best Place To Sell a Car in 2023? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has an important warning about what to look out for when doing travel research online. Also in this episode, Clark discusses why this is the sweetest era to be an entrepreneur and how gig, contract & freelance work is reshaping the economy FAKE Travel Guides: Segment 1 Ask Clark: Segment 2 The Gig Work Effect: Segment 3 Ask Clark: Segment 4 Mentioned on the show SOUTHWEST - Fall sale to high-tail it outta town. NYTimes.com: A New Frontier for Travel Scammers: A.I.-Generated Guidebooks Use this free tool to spot fake Amazon and Yelp reviews Going™ | Formerly Scott's Cheap Flights / KAYAK Explore Priceline - Find Cheap Hotel Rooms & Discount Hotels Top Travel Deals - Clark Howard / Clark Deals - TRAVEL How To Find Cheap Flights in 3 Easy Steps The rise of gig workers is changing the face of the US economy How To Save Money on Gas: 23 Ways 7 Money Mistakes You Might Be Making at the Gas Station T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Verizon Home Internet: Things To Know Before You Sign Up Why Clark Howard Wants You to Set Up a 'Financial Chromebook' Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

As the enrollment period for health insurance approaches, an underused option offers new opportunity involving the best savings plan offered in America. Clark explains. Also, another entity promising big returns in real estate made off with investor money. Clark amplifies his warning against private placement investing - which comes in many forms, including this crowd funding real estate company gone bust.  Is An HSA Right For You? Segment 1 Ask Clark: Segment 2 Beware Private Placement Investing: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ - The Healthcare Plan Most People Should Buy—and Why They Don’t WSJ: Couples Can Soon Put Over $10,000 a Year Into Health Savings Accounts What Is an HSA Account and How Does It Work? Raisin Review: Can You Trust This Online Savings Marketplace? Price Drop on Used Electric Cars: Is Now the Time To Buy? Real-Estate Deal Gone Bad Hits Popular Crowd Funder - The Wall Street Journal. Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains the forces behind a reversal in home building trends, bringing more affordable homes to the housing market. Also today: New data shows the net cost of attending college is moderating. Clark discusses cost factors to consider when choosing a college and most importantly - a course of study and skill set. Is prestige worth the price, or is it better to hold the cost and borrowing down? Plus, a NEVER NEVER rule on student loans.  Back To Smaller Homes: Segment 1 Ask Clark: Segment 2 College Major and School Choice Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show Goodbye Bathtub and Living Room. America’s Homes Are Shrinking. Divvy Wants to Make Rent-to-Own Deals Easy. Many Customers Find Them Hard. Should You Buy an Extended Warranty on Your Car? Want high earnings? Focus on the major, not a college's prestige Student Loan Payments Are Restarting: 4 Things To Know How Do Student Loans Work? 7 Things to Know ‘I’ve had this black cloud looming over me’: How private lenders have left millions of college students with no hope for the future Simple Interest: Who Benefits, With Formula and Example Rule of 78: Definition, How Lenders Use It, and Calculation Submit a complaint | Consumer Financial Protection Bureau Why Clark Howard Shifted to a Digital Wallet and You Should Too Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark explains the Pharmacy Benefit Manger (PBM) trade off on prices for generics vs brand names & how you can save more. Plus great news for consumers on the prescription cost front, thanks to a recent move by a major insurer.  Clark Stinks: Segments 1 & 2 Rx Progress: Segment 3 Ask Clark: Segment 4 Mentioned on the show Why You Should Never Prepay for a Rental Car Cheapest Way to Rent a Car: Expert Tips CDC - Cost of Rabies Prevention Travel Insurance? What You Need To Know Before You Buy How To Save Money With Google Flights A Big Health Insurer Is Ripping Up the Playbook on Drug Pricing - WSJ Will Mark Cuban's Prescription Company Really Save You Money? Why You Should Always Ask Your Pharmacist the Price of Your Prescription Without Insurance 5 of Clark Howard's Most Extreme Frugal Hacks Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s time to think about holiday travel plans and Clark has some guidance on the best time and way to book flights. Also today, surprise medical bills persist and massive, inaccurate hospital bills remain the main culprit. Clark offers strategies for both the insured and uninsured facing hospital costs.  Holiday Air Travel: Segment 1 Ask Clark: Segment 2 Hospital Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show Google Says This Is the Best Time to Book Cheap Holiday Flights The Best Time To Book Holiday Travel in 2023 Follow Clark Howard's #1 Rule To Travel Cheap How To Plan a Trip: Clark's Best Travel Tips To Save Money How To Find Cheap Flights in 3 Easy Steps Cheapest Way to Rent a Car: Expert Tips Inaccurate Medical Billing Creates Problems for Older Adults Medical Facilities Far From Hospitals Are Charging Hospital Rates As ‘Satellites.’ What Gives? How To Find a Trustworthy Mechanic Trustpilot Review: Is Trustpilot Legit? How to find the best auto repair shops Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Amount lost to only the scams reported last year: $9 Billion. Clark runs down an alarming list of current cons, and what they all have in common. Also today, Clark updates his journey renting storage, with new insights on what renters of storage units need to know.  Scam-a-rama Line Up: Segment 1 Ask Clark: Segment 2 Renting Storage: Segment 3 Ask Clark: Segment 4 Mentioned on the show People are losing more money to scammers than ever before. Here's how to keep yourself safe  Blue-tick scammers target consumers who complain on X Best Buy scam alert! People are pretending to be members of the Geek Squad. How to spot it. -USA TODAY New Amazon scams are making the rounds. Here’s how to avoid them Scammers impersonate well-known companies, recruit for fake jobs on LinkedIn and other job platforms FTC Cautions Consumers on Heels of Latest Zelle Scam You got the apartment! Spot rental listing scams before you pay 7 Best Free Cloud Storage Options in 2023 - Clark.com What Is a Solid-State Drive (SSD)? How To Buy Term Life Insurance in 7 Easy Steps Is There a Limit to Americans’ Self-Storage Addiction? Billions of Dollars Say Nope Clark Deals - The best laptop deals available now Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Car thieves are going high-tech to get around anti-theft technology. Clark explains 2 simple ways to protect your vehicle, including inexpensive, widely available car key RFID signal blockers.  Also today, an important privacy warning for Venmo users and a key NEVER NEVER NOT EVER rule for using pay apps. Car Theft Protection: Segment 1 Ask Clark: Segment 2 Venmo Privacy Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show To steal today's computerized cars, thieves go high-tech — The Conversation Clark.com – Best High-Yield Online Savings Accounts NYTimes: This Is a Reminder That You’re Probably Oversharing on Venmo Do you use payment apps like Venmo, CashApp, or Zelle? Read this U.S. Senators Urge Regulators to Hold Zelle Accountable for Inadequate Protections to Stop Fraudulently Induced Payments How To Make Your Venmo Transactions Private T-Mobile: Credit Card Payments No Longer Include AutoPay Discounts Overdraft Protection: What Is It? Do You Really Need It? 9 Things on Deep Discount in September  /  Clark Deals Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275  Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Labor Day Weekend! Please enjoy this Best Of episode. Clark returns Tuesday September 5 The No Surprises Act became law last year to eliminate surprise medical billing, but most people don’t know what it is and what their rights are under it. Clark lays it out so you know your new rights when it comes to medical bills. Also - how much, if anything, do you have in your emergency fund? Clark has a way for you to be better prepared for the inevitable rainy day.  The No Surprises Act & Your Rights: Segment 1 Ask Clark: Segment 2 Your Rainy Day Fund: Segment 3 Ask Clark: Segment 4 Mentioned on the show Patients Still Receive Surprise Medical Bills, Including for Medical Laboratory Testing, Despite Enactment of Federal No Surprises Act That Became Law on Jan. 1, 2022 Understand your rights against surprise medical bills - CMS Rocket Mortgage - Physician Loans: Are They A Good Mortgage Option For Doctors? Bankrate's Annual Emergency Fund Report | Bankrate Emergency Fund: Everything You Need to Know Fidelity Investments Review 2022: Pros & Cons Money market funds - Fidelity Investments The Monte Carlo Simulation: Understanding the Basics Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Reviews can help you make decisions on all kinds of purchases, from merchandise to services and travel. But how can you trust them? Clark offers some insights & guidance. Also today, unusual factors in the diamond market are affecting the price of traditional and lab diamonds.  Insights On Reading Reviews: Segment 1 Ask Clark: Segment 2 Diamond Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Customer Ratings Have Become Meaningless. ‘People Hand Out 5 Stars Like It’s Candy.’ Trustpilot Review: Is Trustpilot Legit? Coverdell Education Savings Account (ESA): How They Work Best 529 College Savings Plans By State Vanguard Personal Advisor Review Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity The #1 Thing Clark Howard Hates About Solar Panels Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels Getting Engaged Just Got Cheaper as Diamond Market Adjusts The Best Time and Place To Buy an Engagement Ring How To Build Credit  / Credit Karma Review How to Report Your Rent to Credit Bureaus The Best Time and Place To Buy a TV  / ClarkDeals - TVs 4 Things to Know Before You Buy a TV From Costco Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Even as summer winds down, people are still looking for great airfare deals. There’s a new resource from Going that may help. Plus, the story of one Mom’s mission to find her daughter’s lost luggage speaks to a travel NEVER NEVER rule Clark has long held. Also today - Auto insurance rates are going way up due to various market pressures. Clark discusses why dash cams are essential, and what you can expect to pay for one.  Air Travel: Savings & Strategy: Segment 1 Ask Clark: Segment 2 Dash Cams: Segment 3 Ask Clark: Segment 4 Mentioned on the show Price Drop: Domestic Fares Are Getting Cheaper The Best and Worst US Airports for Cheap Domestic Flights The Best and Worst US Airports for Cheap International Flights Airlines slash domestic flight prices as demand dwindles, overseas travel surges Follow Clark Howard's #1 Rule To Travel Cheap How To Plan a Trip: Clark's Best Travel Tips To Save Money Should I Buy an AirTag for My Checked Airport Luggage? Travel Archives - Clark Howard / Travel - Clark Deals Dash cam sales rising fast due to safety-conscious drivers 3 Reasons to Buy a Dashboard Camera for Your Car—and 4 Reasons Not To - WSJ Clark - everyone should have a dash cam - Clark Howard Community Should You Buy an Extended Warranty on Your Car? Should You Respond to Class-Action Lawsuits? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices