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The Clark Howard Podcast

10.08.25 The Quest To Spend Less / WARNING: Fake Medical Pitches Online

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.64.9K Ratings

🗓️ 8 October 2025

⏱️ 24 minutes

🧾️ Download transcript

Summary

There’s a clear trend in how people are shopping today. Consumers of all income levels are seeking out bargains, changing where and how they buy everyday goods - a Clark smart reaction to inflation & tariff effects. Also today - You may need a cure for what ails you, but don’t trust medical ads you see online. Scammers are using AI and other manipulative tools to pitch FAKE healthcare products that appear to be endorsed by medical professionals. Financial and physical harm can result.  Mindful Shopping: Segment 1 Ask Clark: Segment 2 Fake Medical Ads Online: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Axios: Dollar General shows even the affluent are seeking bargains 80-10-10 Mortgage: Meaning, Benefits and Examples The Secret to Avoiding PMI and 20% Down? A Piggyback Loan NYTimes: The Doctors Are Real, but the Sales Pitches Are Frauds What Is an HSA Account and How Does It Work? The Lancet | The best science for better lives Virtual Credit Cards: An Online Security Measure Worth Taking? 5 Things To Do Before You Sign Up for a Free Trial 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

It's great to have you here on the Clark Howard Show.

0:07.4

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

0:12.3

to make better financial decisions in your life.

0:16.4

If you haven't checked out our free newsletters i hope you will because not only are they free

0:22.8

they're full of content of information that you can use that you can act on to save more

0:32.2

spend less and avoid getting ripped off how do you get to them? Clark.com slash newsletters.

0:39.4

And speaking of saving more,

0:42.5

there's a trend in how people are shopping to save money.

0:47.0

And later, I want to talk about why all those medical ads

0:52.0

that you're seeing online or not necessarily what you think they are.

0:58.7

Right now I want to talk about something that is a clear trend and that is people of income levels

1:06.6

that never really used to walk into a dollar tree or a dollar general are now doing so,

1:15.4

that across income levels, people are really feeling stressed buying everyday consumer goods,

1:24.7

because a lot of the everyday kind of items are the ones you may have noticed

1:28.9

have been popping up in price lately.

1:32.5

And sales of the dollar-oriented stores have been going up, up, up.

1:39.9

But the big shocker is who's coming in, spending a lot more in them,

1:46.2

and that is people of various income levels that are feeling the heat of inflation and tariffs.

1:55.1

And so look at the cars when you go buy or you shop at a dollar tree or dollar general, you'll see

2:04.7

cars of all different years and you'll see luxury cars, you'll see beat up cars, whatever,

2:13.5

because there are times people talk about bargains. There are times people seek them out.

2:20.2

And this is one of those times because having been through six years of an inflationary cycle

...

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