03.02.24 SPECIAL SATURDAY EDITION: Empowerment 101

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 2 March 2024

⏱️ 27 minutes

🔗️ Recording | iTunes | RSS

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Summary

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

Transcript

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0:00.0	For brands in the digital age, content is the customer experience.
0:04.0	That's why industry leaders like KFC, male chimp, and BMW rely on the contentful composable content
0:10.4	platform to easily create, collaborate, manage, and deliver content across all channels,
0:15.6	resulting in meaningful customer experiences and significant business results.
0:20.0	Ready to maximize your content's potential?
0:23.0	Get started at contentful.com.
0:25.0	Contentful, where content drives business momentum. I want to welcome you to a special edition of the Clark Howard show where it's all
0:40.8	about you learning ways to take better control of your wallet.
0:46.0	You know, I normally talk about how it's about you learning ways to empower yourself with knowledge to make better
0:55.6	financial decisions and today we're doing something experimental as a
1:02.0	special edition.
1:03.0	We're going to take specific topic areas and do Clark 101.
1:08.0	Christ is putting me on the shot clock.
1:11.0	I tend to have a tendency to run at the mouth.
1:14.8	And so we came up with the idea, you know,
1:16.8	when somebody's giving a speech
1:18.7	and they have the green light in front of you
1:21.0	and then it goes yellow and then red is shut your mouth and sit down.
1:27.0	Krista is doing that with me starting right now.
1:32.0	So we're going gonna do four topics.
1:33.6	You're gonna do two now,
1:35.6	then we'll have a little break and then two more.
	...

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