I think that the holidays feel like frozen noses. I love walking with the dog for long periods of time.

Hopefully it's snowing and you've got to wrap up warm. So I think a frozen nose is

then sweaty armpits because like you're wrapped up so warm but then you're climbing hamps

and heath and you get to the top and you're like and then you can see the breath

but then your nose is still freezing to touch.

Joy in every sip with red cups now back at Starbucks.

It's my pleasure to welcome you to the Clark Howard Show where our mission is to

serve you and empower you so you make better financial decisions in your life.

I'll tell you who else is here to serve you. Our team Clark Consumer Action Center.

I don't know if you know this but for nearly 30 years we have offered free one-on-one advice

and guidance. This is something that's been really important to me through these decades

because a lot of times you'll have a very specific individualized personal question

and you don't know who to trust and where to turn. And that's why we're here to provide you this

help with both paid staff and volunteers. We're available to serve you in the Team

Clark Consumer Action Center from 10 in the morning Eastern till 4 in the afternoon

Eastern time. You can learn more how to contact us at Clark.com slash CAC.

Today I'm going to start with something that's been really important to me

that people are so confused by. And over and over again somebody will stop me

then matter where. Be getting a burger, getting a veggie salad, Christa.

Or our intrepid leader. You have never been that happy with my eating habits.

So for you I'll say when I'm getting some kind of vegan dish.

You'll tell me that when you're headed to the crystal.

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