When the tax year ends on the 5th of April, valuable tax allowances may be lost simply because people left things too late.

Thankfully, Vanguard is here to help you make well-consider decisions, not rushed ones.

Their tax year-end hub is full of clear guidance, helpful tools and timely reminders to help you understand your allowances and give your investments

the best chance to grow.

Search Vanguard investor to learn more.

When investing, your capital is at risk.

Tax rules apply.

The world moves fast.

Your work day?

Even faster.

Pitching products, drafting reports, analyzing data. Microsoft 365

co-pilot is your AI assistant for work, built into Word, Excel, PowerPoint, and other Microsoft 365 apps you use,

helping you quickly write, analyze, create, and summarize. So you can cut through clutter and clear a path to your best work.

Learn more at Microsoft.com slash M365 copilot.

I'm so glad you're with us on the Clark Howard Show. You know, our mission is to serve you with

advice and information that

empowers you to make better financial decisions in your life. In this episode, it has become

more important for you to monitor your three credit reports because the number of errors is going through the roof.

I'll tell you why the credit bureaus, at least two of them are saying, too bad, so sad,

and leaving errors there. And later, how often do you get a new cell phone? So I got to tell you strategies for you

on when to get a new cell phone and more important, when not to. So pro-Publica that does

deep dive research into various things affecting you and me did an extensive

...