I'm so glad you're with us today on the Clark Howard show. You know our mission is to serve you with

you with advice and information that empowers you to make better financial decisions in your life.

One way I hope you feel empowered is you share with me where you feel I gave incomplete, inaccurate, or just plain dumb info on

this podcast. Today's the day I got to hear your complaints because this is the weekly Clark Stink segment.

Later there's an app I'm fascinated with that helps you find a side hustle or part-time job in your area is another tool

and the tool shed for you if you're looking for some extra income to grab it but

right now it is time for you to hear where I have messed up.

I should have never encouraged you to speak. You much think I'm pretty stupid.

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

pal.

Oh, Clark, I roll my eyes when you get so giddy over people writing in telling you the large amounts they invest

If someone says for example I'm saving 30% of my income for retirement you never ask does this person give to charities does this person help others in need financially does this person give to generous tips toward poorly paid hardworking service workers.

Sure, saving for retirement is important,

but I find such joy giving away some of my income

to help others and charities I believe in.

I also enjoy tipping underpaid and hardworking people in the service industry.

Does that mean I don't save as much as possible I possibly could for retirement?

Yes, but it is invaluable.

As someone who enjoys helping others through organizations such as Habitat for Humanity, I'm disappointed.

I think it stinks, but I'll still be a faithful listener, James.

James, thank you. Charity is obviously very important to me.

It's central to my life.

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