11.18.24 A Better Way To Save For Retirement / Living Paycheck-To-Paycheck

The Clark Howard Podcast

Clark Howard

Investing, Entrepreneurship, Business

4.6 • 4.9K Ratings

🗓️ 18 November 2024

⏱️ 35 minutes

🔗️ Recording | iTunes | RSS

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Summary

Pensions are relics and 401(k)s are problematic. We need a rethink on how we save for retirement, and how we allocate those savings with the certainty that people won’t outlive their money. A solution is out there, and Clark shares that with you today. Also, Clark breaks down the paycheck-to-paycheck cycle many find themselves in, and how for some earners, it’s entirely possible to break that cycle. Solving Saving For Retirement: Segment 1 Ask Clark: Segment 2 The Marginal Propensity To Consume: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - INVEST & RETIRE The dangers of underestimating your retirement Annuities Aren’t the Problem. Commissions Are, Say These Industry Pros Best Financial Advisors in 2024 Vanguard Personal Advisor Review What to Do When You're Being Harassed About an Old "Zombie Debt" 10 Ways To Save on Prescription Drugs Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com 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	This podcast is brought to you by Progressive Insurance. Fiscally responsible, financial geniuses,
0:06.5	monetary magicians. These are things people say about drivers who switch their car insurance
0:11.3	to Progressive and save hundreds. Visit progressive.com to see if you could save. Progressive
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0:22.3	states or situations. Contacting customer service? For a lot of people, that's an easy way to ruin a good day.
0:30.4	But at Zendesk, we make the customer experience better. Better for your grand. Better for your florist.
0:36.7	Better for the guy in Apartment 3A. Better for you. Better for your grand. Better for your florist. Better for the guy in Apartment 3A.
0:38.3	Better for you.
0:39.7	Better for everyone.
0:41.1	Because some say the customer is always right.
0:43.6	We say the customer is always human.
0:46.4	And as fellow humans, we want to do something better for all of us.
0:50.3	Zendesk.
0:51.2	Customer experience with AI built for humans.
0:58.7	Thank you. Zendesk, customer experience with AI built for humans. It's my pleasure to welcome you here to the Clark Howard Show, where our mission is to serve
1:03.9	you with advice and information that empowers you to make better financial decisions in
1:09.4	your life.
1:10.9	You know, we talk a lot about 401ks, IRAs, those kind of things on the show.
1:16.4	I've also talked about how behind so many of us as Americans are in saving for their retirement.
1:23.9	I've got a solution I think would work for that.
1:28.7	You're going to have to hang with me because it's way out there, and I'm going to share it with you.
1:34.0	And later, living paycheck to paycheck.
	...

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