Edmunds.com research covering the first 9 months of last year finds that 1 in 3 who traded in a car at a dealership were upside down on the trade-in car. They owed more than the trade-in was worth, averaging $5K. They rolled that debt into a new deal, and leave even more upside down on a different car. This is a disaster. A year ago a dealership F&I man - head of financing & insurance - angrily approached Clark, accusing him of killing business. He'd run into customers who'd gotten Clark's message not to roll negative equity into a new purchase. If you're tired of your car, have it cleaned & detailed. Learn to love it again, pay it off, own it free and clear and drive it debt free. Don't trap yourself by rolling old debt into new debt. This has lead to more repossessions. It doesn't end well. Edward Jones is knocking on doors to sell investments. A new trend is a real danger zone for our senior citizens. A Clark staffer's 97 year-old Mom was solicited at her door by someone trying to sell investments. Commissioned sales people are hitting neighborhood streets. Morningstar writer Christine Benz reports on finding her intellectually disabled sister being solicited at their home. The elderly are targeted. This is NOT a safe way to buy investments. Make sure the seniors in your life know not to answer the door on this!  Clark first talked about Lemonade insurance over a year ago when it was an experiment in one state. Time for an update. Lemonade is a coop for homeowners and renters insurance. That's all they sell. When you file a claim, it's not an adversarial process. They use automated claims processing. About 1/3rd of claims are simple enough for automated approval in under a minute! That's different! So far we've had no complaints. Lemonade is now available in roughly half the nation's states. Find out if your state is included at Lemonade.com. Pay potentially lower premiums and not to be treated like a criminal when you make a claim. Learn more about your ad choices. Visit megaphone.fm/adchoices