04.01.26 Adjustable Rate Mortgages - A Waning / High Deductible Health Plans

The Clark Howard Podcast

Clark Howard

Business, Investing, Entrepreneurship

4.6 • 5.2K Ratings

🗓️ 1 April 2026

⏱️ 25 minutes

🔗️ Recording | iTunes | RSS

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Summary

Adjustable-rate mortgages (ARMs) are booming again, but Clark has a major warning: this "oldie but baddy" could be a financial time bomb. Clark breaks down why banks are pushing ARMs, who they actually work for (a narrow group indeed), and the "reset" risk that could cost you your home. Also, health insurance has become insanely expensive. Many Americans are skipping meals just to pay for healthcare. Clark discusses why catastrophic-only plans are a dangerous gamble and identifies the real culprit behind our skyrocketing medical bills. Danger: Adjustable Rate Mortgages: Segment 1 Ask Clark: Segment 2 High Deductible Health Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Adjustable-Rate Mortgages Are Popular Again – Here’s Why You Need To Be Careful NYTimes: A Third of Americans Have Cut Spending or Borrowed Money for Health Care NYTimes: New A.C.A. Plans Could Increase Family Deductibles to $31,000 What Is an HSA Account and How Does It Work? - Clark Howard How to Deal With Medical Debt - Clark Howard Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs - 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. Visit megaphone.fm/adchoices

Transcript

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0:00.0	When the tax year ends on the 5th of April, valuable tax allowances may be lost simply because people left things too late.
0:08.0	Thankfully, Vanguard is here to help you make well-consider decisions, not rushed ones.
0:14.0	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.
0:24.0	Search Vanguard Investor to learn more. When investing, your capital is at risk. Tax rules apply.
0:30.8	Bowser is back.
0:36.1	Everyone calm down. The Super Mario brothers can take care of the kingdom.
0:40.3	Let's go.
0:43.3	This April.
0:44.3	Toad, pack our things.
0:45.3	Woohoo!
0:46.3	The galaxy...
0:48.3	Whoa!
0:49.3	Who is this?
0:51.3	Who is this?
0:52.3	There she.
0:53.3	So some cool dinosaur just shows up and he's now part of the group.
0:55.6	Cool.
0:56.2	The Super Mario Galaxy movie in Cinemas Now.
1:04.8	It's my pleasure to welcome you here at the Clark Howard Show.
1:08.3	You know, our mission is to serve you with advice and information that
1:13.0	empowers you so you make terrible financial decisions in your life. Today, I'm going to tell you
1:20.2	how I've been so wrong, encouraging you to save money. Don't do that. Spend, spend, spend all the time.
	...

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