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I'm so glad you're with us here on the Clark Howard Show where it's about you

learning ways to save more and spend less and don't let anyone ever rip you off.

Clark.com is our main website and ClarkDeals.com is our deal site where we

post bargains for you around the clock. We also have the Clark deals newsletter that is available to each day.

It's free and we hit your email in basket with the best deals of the day.

So something is not been oh I should say coming up later is Clark stinks where you may feel that

well I didn't give you the best advice best information or I was just wrong on something.

So we have a place on Clark.com is Clark.com slash Clark stinks where you can post where you feel

I didn't do the job right. And then once a week coming up just later you get to hear some of the

best posts according to producer Christa from this week's Clark stinks. So something that really

has stuck for a long time is that roughly half of us have no access to a retirement plan at work.

And it's not because the employer we work for is cruel or mean or whatever they'd love in most

cases to offer a 401k plan. The reality is most small employers don't know how to do it.

That it is a difficult thing to understand and they don't know where to go. And a lot of times

they'll go to a place like an insurance company or a bank and face extremely high costs for doing

a 401k plan. Those costs born heavily by the employees makes the 401k essentially a rip off

with all the fees that are involved. So a lot of small employers just give up. They don't

do anything about offering one because they just don't know how to do it in a way that wouldn't

hurt everybody. So now there's a brand new federal rule that just went into effect that allows

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