02.16.26 Your Relationship With Money / Self-Employed Retirement Planning

The Clark Howard Podcast

Clark Howard

Business, Investing, Entrepreneurship

4.6 • 5.2K Ratings

🗓️ 16 February 2026

⏱️ 26 minutes

🔗️ Recording | iTunes | RSS

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Summary

You may be examining your spending habits this year, looking to set goals to improve your financial health. Clark discusses how your money mindset will affect your future in a big way. Are you spending your way into debt misery, or saving your way to frugality regret? Clark invokes finding a healthy balance between discipline and enjoyment. Also - A great way for the self-employed to save tax free for the future. A powerful wealth-building tool is finally getting the attention it deserves: the Solo 401(k) A Balanced Money Mindset: Segment 1 Ask Clark: Segment 2 Solo 401k's Take Off: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Two Key Pillars to Financial Freedom - Clark Howard How Many Bank Accounts Should You Have? - Clark Howard 1 Day Pass by Sling / Sling’s Subscription Option What Is a Solo 401(k) and How Does It Work? How To Open a Roth IRA Emergency Fund: Everything You Need to Know - Clark Howard 5 Things to Know About New Settlement That Could Change Credit Card Rewards 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

Transcript

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0:00.0	Could AI help you do more of what you love?
0:03.0	Workday is the next-gen ERP powered by AI that actually knows your business.
0:08.0	We help you handle the have-to-dos so you can focus on the can't-wait-to-dos.
0:13.0	It's a new workday.
0:16.0	The world moves fast. Your workday? Even faster.
0:20.0	Pitching products, drafting reports,
0:22.2	analyzing data. Microsoft 365 copilot is your AI assistant for work, built into Word, Excel,
0:29.5	PowerPoint, and other Microsoft 365 apps you use, helping you quickly write, analyze, create, and summarize.
0:36.6	So you can cut through clutter and clear a path to your best work.
0:41.2	Learn more at Microsoft.com slash M365 copilot.
0:49.8	It's my pleasure to welcome you here to the Clark Howard Show,
0:53.7	where our mission is to serve you with advice and information that empowers you.
0:58.8	So you make better financial decisions in your life.
1:03.3	And happy President's Day.
1:06.1	By the way, I usually take today off from the podcast and YouTube show.
1:12.4	But Krista said, nope, no day off for you today.
1:17.5	Too bad.
1:19.1	No, I'm kidding.
1:20.2	Come on.
1:21.2	You know, if you really wanted to take it off, you could take it off.
1:24.0	No, I do what you tell me.
1:26.0	And you told me, hey, we'd already sold ads for that day.
	...

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