10.22.25 HSA Changes / Operational Cost Compare: EVs, Hybrids & Gas Vehicles

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 22 October 2025

⏱️ 31 minutes

🔗️ Recording | iTunes | RSS

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Summary

You may soon be eligible for one of Clark’s favorite saving & investment accounts - The HSA. Big changes are coming to the HSA world in 2026. Also today, despite the end of EV credits, how much cheaper it is to run an EV vs a hybrid vs a gas engine car? Clark helps you calculate what makes the most sense financially over time, when it comes to your vehicle choice. HSA Changes: Segment 1 Ask Clark: Segment 2 EV vs Hybrid vs Gas: Segment 3 Ask Clark: Segment 4 Mentioned on the show: IRS Announces New Tax Brackets and Other Changes for 2026 Where Should I Set Up My Health Savings Account (HSA)? Reminder: The Basics of Using HSA Funds 5 Money Tips To Know Before You Travel Abroad Your Passport Could Be Useless -- Even if It's Not Expired NYTimes: How Much It Costs to Drive an E.V. and a Gas Car in Every State How To Buy a Used Car How To Refinance a Car Loan: A Step-by-Step Guide Auto Loan Refinance Calculator - Clark Howard 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	300 sensors.
0:03.0	Over a million data points per second.
0:06.0	How does F1 update their fans with every stat in real time?
0:10.0	AWS is how.
0:13.0	From fastest laps to strategy calls,
0:15.0	AWS puts fans in the pit.
0:19.0	It's not just racing, it's data-driven innovation at 200 miles per hour.
0:25.4	AWS is how leading businesses power next-level innovation.
0:34.7	It's great to have you here on the Clark Howard Show.
0:42.4	You know, our mission is to serve you with advice and information that empowers you.
0:46.0	She makes better financial decisions in your life.
0:50.9	And one way we serve you is through our Team Clark Consumer Action Center.
0:57.0	It's where you can get free one-on-one advice. And this is something we've been offering since 1993. If you want to know how to get your question answered, go to
1:04.1	Clark.com slash CAC. Today, I want to address the big changes coming in HSAs for 26 and how you may be never having
1:17.1	thought about it or been eligible for one now are potentially going to be eligible in 26 and what
1:24.2	that actually means for you.
1:27.2	And then later, EV credits gone.
1:30.8	So the sales of EVs going to fall off a cliff.
1:34.9	But how much cheaper is it really for you if you have an EV to run it versus a gas engine?
1:43.6	I'm going to fill you in on that later.
1:46.5	It's all part of the calculations of what makes sense over time for you to be driving.
1:53.1	So HSAs, health savings accounts, something I've been excited about for a generation, And nobody else is. It's funny, because life has
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