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

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 11 August 2025

⏱️ 36 minutes

🔗️ Recording | iTunes | RSS

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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

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0:00.0	Why do your socials look so good?
0:03.1	Mine are basic.
0:04.6	I use Adobe Express.
0:07.9	Free templates and AI features make stories, reels and posts so easy.
0:12.7	That's exactly what my feed needs.
0:14.7	Adobe Express, the quick and easy create-anything app, free.
0:19.9	You've reached the final level, the spicy McMan. Quick and easy, create-anything app. Free.
0:23.6	You've reached the final level.
0:26.1	The spicy McNuggets side mission.
0:28.8	Maximum flavour, crispy crunch,
0:30.9	and a spicy dip with a kick.
0:32.9	Are you ready?
0:35.4	Spicey McNuggets, for a limited time only.
0:38.8	Until the night of September 25, fees apply to delivery.
0:39.9	Participation and price may vary.
0:41.5	Subject to availability, serving time supply.
0:49.2	It's great to have you here on the Clark Howard Show.
0:53.9	You know, our mission is to serve you with advice and information that empowers you, so you make better financial
0:55.7	decisions in your life.
0:58.0	We talk a lot on this show about saving for your future and retirement plans, but you know
1:04.9	not all of them are created equal.
1:07.3	So how do you decide if your employer plan is worthy of your money?
	...

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