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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. In this episode I'm going to address one

of the most popular questions we've been getting in our Ask Clark inbox. What is the deal with

Fed now? Probably thinking what's Fed now? I'll tell you in a minute. Also there's a simple and

inexpensive way for you to say big bucks on your cooling expense as we've been through heat wave

after heat wave and here it is still only August and we got all those summertime bills for cooling

to pay. There's something that's old that's new again that can save you money. So something that

is old and much of the rest of the world but is new here in the United States right now it's

being talked about so much in the financial press that we keep getting questions from me to explain

it. So first let me tell you what it is. It's called Fed now and the idea is your money

should be available to you instantly. If you want to pay somebody or some organization or whatever

you get paid your money should be available to you instantly. No hole. Somebody pays you. You should

have access to the funds instantly. Not after five days or ten days or whatever it is that your

bank decides is when they're going to give you access to your funds availability and you'll get

a notice if you do a large deposit where it says you have this much money in the day and you have

...