Thanks for joining us here on the Clark Howard Show.

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

to make better financial decisions in your life.

And I sure hope you had a great weekend.

How'd you do spending money? If you spent too much money and you're like, oh boy, different kind of hangover on Monday, I want you to listen to what I

have to say about this no spending trend that's been hot in 25.

And later, there's something I need you to do to protect your money

if you travel anywhere outside the United States, ultra-important.

So the no-spend-25 thing was really big on TikTok.

I addressed it back at the beginning of the year.

It's really an idea not a practical thing.

You have to spend money, right?

But it's the whole process of thinking about money and I think how often people say you know

well I've been working hard or this is happening or that's happened so I deserve it deserve whatever

and we're at brass tax now for a lot of people it's so hard to make it through a month

with the money you're making. I keep thinking about

this because the idea of buy nothing is incomplete. And I want you to think about this. The whole

idea is shock therapy for you. You don't buy a new piece of clothing. You go shop your

closet. You don't buy a new this, that, or the other. You live with what you've got. And so,

if you get down to the core of what this is, I used to talk about this must pay versus wants. And I've realized over time that there's

more nuance to this. And so if you're in financial Armageddon, then what I've always said

is true, that you spend your money only on what you must,

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