This episode is brought to you by SAP Concurs.

In this economic climate, every business spending moment matters.

There's no room for risks, overspending and inefficiency.

SAP Concurs solutions take you beyond basic automation to help you increase your cash flow,

not your concerns, allowing you to settle employee expenses and invoices efficiently and effectively,

reduce financial risk and save time.

Visit concurs.co.uk to learn more.

Great to have you here on the Clark Howard Show, where it's all about you and that wall of yours.

I want you to learn ideas to me so you can keep more of what you have.

Our websites are Clark.com and ClarkDeals.com

And the ClarkDeals team is working hard as they can to make sure you know about each of the wave of sales

that are going on right now in lieu of the traditional Black Friday extravaganza.

The next thing is retailers are trying to space out crowds and keep stores from being full of very, very large crowds of people

and check out lines and various sections of the store trying to find merchandise and all the rest.

The sales are going on in dribs and drabs.

And I saw something with Walmart's newest sale, which I had never remembered happening for a holiday season sale.

They are advertising on certain days, things that are hard to find like the PlayStation 5 at full retail price,

but only making it available on certain days to hold down the crowds that will be in the stores.

And on that note with the massive spike in coronavirus just recently, Walmart is going back to tight capacity controls in their stores.

They are going back to having an employee at the door with a counter or clicker having railings up at very busy stores that you have to line up at six feet apart from other people, fully masked.

And once they hit capacity, which is going to be roughly 20% of traditional store, total theoretical capacity.

Then people outside will have to wait for people to leave for other people to go in.

...