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The Clark Howard Podcast

08.11.25 Get Wise To Your Retirement Plan / Getting More For Your Money

The Clark Howard Podcast

Clark Howard

Entrepreneurship, Investing, Business

4.65.2K Ratings

🗓️ 11 August 2025

⏱️ 33 minutes

🧾️ Download transcript

Summary

Not all retirement plans are created equal. When it comes to the 403bs many teachers and non-profit workers are offered - the math is wrong. And not all 401(k)s will serve you well. Knowing how to get the most from your investments can mean WAY more money in retirement.   Also - It’s rare to find the opposite of shrinkflation, but some retailers and restaurants are filling the value gap - in buckets!  Retirement Plan Choice: Segment 1 Ask Clark: Segment 2 Bonus! Buckets Of Coffee: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Teachers Are Learning a Hard Lesson. Their Retirement Plans Cost a Fortune.⁠ ⁠What Is a 403(b) and How Does It Work?⁠  /   ⁠403bwise.org⁠ ⁠How To Open a Roth IRA⁠ ⁠401(k)s Weren’t Built for the Gen Z Economy⁠ ⁠Why You Need To Know Your Company 401(k) Fees⁠ ⁠Investing & Retirement Archives - Clark Howard⁠ ⁠What Is a Fiduciary Financial Advisor and Do I Need One?⁠ ⁠Your Morning Coffee, in a Bucket⁠ Is Now a Good Time To Buy an Electric Vehicle? ⁠Report: 4 Used Electric Vehicles Under $25,000⁠  /  ⁠ABRP 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0

If I get my kid a phone, I'll be able to keep in touch with them all the time.

0:02.8

We'll be on it all the time.

0:04.1

He could walk to school by himself. She could see something, she shouldn't. He could chat with grandma. Friends, trolls. They can access anything on the internet. They can access anything on the internet. So, should I give my kid a phone? Growing up with phones isn't always easy. Introducing EEE safer Sims. Sims that help moderate usage and shield harmful content on any smartphone.

0:24.2

Choose EECF. Growing up with phones isn't always easy. Introducing EEE safer Sims. Sims that help moderate

0:21.4

usage and shield harmful content on any smartphone. Choose EEE safer Sims. Only on the UK's best

0:26.9

network. To verify best network, see e.e.com.uker claims. It's great to have you here on the Clark Howard Show.

0:37.7

You know, our mission is to serve you with advice and information that empowers you,

0:42.6

so you make better financial decisions in your life.

0:46.5

We talk a lot on this show about saving for your future and retirement plans,

0:52.6

but you know not all of them are created equal.

0:55.8

So how do you decide if your employer plan is worthy of your money?

1:02.9

I'm going to tell you what to look for.

1:05.3

Also, retailers and restaurants are trying all kinds of methods to get you in the door.

1:14.8

And I've always been a sucker for a super mega monster soft drink. Go ahead. Go ahead. Clark stinks

1:26.7

is where you're right if you're unhappy that I drink soft drinks.

1:30.2

But what would you think for getting a gutbuster giant soft drink? Having a coffee bucket,

1:39.6

an individual coffee bucket that won't even fit in your drink holder in your vehicle.

1:46.5

That's a trend right now.

1:48.6

I'm going to talk about that later.

1:51.2

All right.

1:52.2

Here's something that is a trend.

1:54.9

I can't stand.

...

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