I'm so glad that you're with us here on the Clark Howard show. You know our mission is to serve you with you with you with

you acknowledge that empowers you so you can make better financial decisions in your

life. I had a question for you, are you a super saver? Are you a mega saver? I want to share with you a couple of key choices

you can make in your life that will in fact empower

you to have more control over your financial future. And speaking a choice, you're going to see a lot over the next many months.

With websites giving you a lot of choices,

they're not doing it to be your friend and try to trick you with what some people in

tech call dark patterns, what you need to know to protect yourself from websites taking advantage of you.

And before I get to all this stuff we're going to talk about, your questions, I want to remind

you, speaking of questions,

our Consumer Action Center, our Team Clark,

is there to serve you five days a week,

providing one-on-one advice information and guidance for free.

If you want that one-on-one advice,

go to Clark.com slash CAC for details.

So I have lived my life as a super saver and a mega saver.

If you know my backstory, for people who don't know, I'll be very brief.

My father lost his job when I was a teenager.

I thought we were living a really, really fancy life that my parents were loaded with money and all that.

But when my dad lost his job. I had just gotten into college. I was in college and I was home for

Thanksgiving and he told me that there was likely not any money for me to continue college.

And I was like, what?

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