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

but it was so obvious what it was obviously because nothing shaped like a bike and I had a little ribbon on it and I was so

I guess. 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.

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

It's my pleasure to welcome you to the Clark Howard Show. Our mission is to serve you and empower you to make better financial decisions in your life.

Today's episode starts with our weekly Clark stink segment. I can't wait.

I want to talk about something that is vocabulary you may not be familiar with ADU accessory dwelling units.

We'll explain what they are and what role they may play in fattening your wallet or lowering the cost of housing that you need.

And before we get to Clark Stinks. I want to thank you for listening and I hope you get a chance to visit our websites

Clark.com and Clark deals.com. The whole goal providing you information that you can trust that you can use in your wallet.

And while you're there, hey, we got a bunch of free newsletters. You'd like those. We got those for you.

Get them if you find, well, they're not really serving you. Then dump the subscription to them. But I bet you'll find great money saving money making advice

from our free newsletters. But without further ado, it's time for Clark Stinks.

I should have never encouraged you to speak. You know what you think? I'm pretty stupid.

You should be ashamed of yourself. Well, maybe I'm wrong. Maybe I'm wrong.

Maybe you're right now.

So I just want you to know, Christa, who's been with me since 1997. This is her favorite segment.

Oh, my God. Several moments of her week, every week when she gets to give me the feedback that I need.

I've worked with you for so long and I never thought you were a liar before. But now I definitely do because you know it pains me, but you find this fun.

I find Clark Stinks to be so valuable because when you do what I do, you can get set in your opinions and you can kind of get intellectually lazy.

And Clark Stinks really helps me because you by going to Clark.com slash Clark Stinks and posting, you're giving me feedback. I might not always agree with it.

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