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It's my pleasure to welcome you to the Clark Howard Show, where it's all about you and

that quality yours I want you to learn ideas to me, so you can keep more of what you make.

And coming up in a few minutes in today's Clark Regis moment, somebody is trying to

spoil the party for all the money people are saving now buying mattresses.

I'm going to tell you what's up and how to avoid the trouble.

And coming up, yet later, there's something that people keep doing wrong in IRAs and

Ross.

I don't want it to be you.

I'm going to tell you what's the missing link in so many people's best efforts to save

for the future.

So I want to share something with you that I think is pretty neat.

Your kids, if you have kids, can be rewarded with free stuff if they have good grades.

Now, this is something that may or may not be happening in your household, but it could

be a motivator or a reward.

And the O of R crew at Clark.com has put together a list of what are known as report card rewards,

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