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There's gift I've ever received has to be a bike when I was younger, a pedal bike. It

was a sort of slick little road bike and I remember it was all like, it was so, it was

all wrapped up, it was so obvious what it was obviously because nothing's shaped like

a bike and I had a little ribbon on it and I was so guest. For that was a life changer

and I'm still sort of big on cycling around my area now, so for that one change me a little.

Join in every sip with Red Cups now Back at Starbucks.

It's my pleasure to welcome you to the Clark Howard Show where I'm mission is to serve

you in a power use so you make better financial decisions in your life. Now, I want to talk

about something today. I hope is not a problem in your life. It's the lack of savings and taking

on more debt. Americans have done both of those recently and it's freaking me out and

you know it's tax time. So what a happy topic. Anyway, one thing I'm asked every tax season

what should you keep? What should you dump? What do you need to keep for any of number of

years with your taxes? I'm going to give you an overview of that. So two years ago Americans

completely changed their money habits. Americans are of any developed country, historically the

worst savers in the developed world. We, depending on the cycle of time, at best tend to save

somewhere around six cents to seven cents of every dollar we make. And the worst times that

...