12.08.25 Empowerment: Fitness Trackers / Home Equity: When A HELOC Makes Sense

The Clark Howard Podcast

Clark Howard

Business, Investing, Entrepreneurship

4.6 • 5.2K Ratings

🗓️ 8 December 2025

⏱️ 33 minutes

🔗️ Recording | iTunes | RSS

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Summary

Clark makes no secret of his obsession with fitness trackers. Nerd Alert: He wears three. But there’s new data that proves he’s just being, well - Clark Smart. We’re moving into an era where more devices can be monitored by healthcare providers, to potentially save lives - A true case of knowledge is power. Also, homeowners with a lot of equity can be sorely tempted to tap into that money. But when is this type of debt appropriate? And what are the best borrowing options? Clark explains the difference between a home equity loan and a HELOC in a period of lower interest rates. The New Power of Fitness Trackers: Segment 1 Ask Clark: Segment 2 The Home Equity Decision: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Apple Watch data teamed with AI reveals heart damage Why Does Clark Howard Wear 2 Watches? Why Clark Howard Is So Excited About His Wedding Band KardiaMobile Personal EKG | Kardia Personal EKG Monitor What Is an HSA Account and How Does It Work? Report: Most Popular Used Cars in America What Brokerage Do You Recommend for First-Time Investors or Kids? Target Date Funds: Clark's Favorite Retirement Investment HELOC vs. Home Equity Loan: Similarities and Differences Is a HELOC a Good Idea? The Simple Answer Home Equity Loan Calculator - Clark Howard Ed.gov - Loan Forgiveness How To Roll Over U.S. Savings Bonds Into a 529 Plan 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	Think about cheese.
0:02.0	Make your thoughts cheesier.
0:04.2	Now add 100% chicken breast fillet, Chipoplae sauce and Ahmeda cheese melt.
0:08.3	And it's giving the new cheesy chicken stack at McDonald's.
0:12.3	Did we mention it's cheesy?
0:13.9	Cheese.
0:15.8	Availments at the 4th of Jan, 2026 from 11 a.m.
0:18.1	Plus and participation may vary.
0:19.2	Subjects availability.
0:20.8	It's Monday morning. Your team 11 a.m. Plus, and participation may vary. Subjects availability. It's Monday morning.
0:21.6	Your team just finished a meeting, and yet people still aren't sure about the next steps.
0:28.6	To-doists help small teams get organized, without the setup headache.
0:32.6	See what's due, who's doing what, and what's falling behind.
0:36.6	All in one calm, shared workspace.
0:40.1	Try to-doist free and bring some clarity to your chaos.
0:44.0	Visit todoist.com.
0:51.0	It's my pleasure to welcome you here to the Clark Howard Show where our mission is to serve you with advice and information that empowers you to make better financial decisions in your life.
1:04.0	You know, I want to take a moment to thank you for listening to or watching this podcast.
1:11.8	Because the goal that I have for you is that you learn something that you're empowered by every day.
1:20.9	Some days I'll fail in doing that for you.
1:24.3	But the goal is always the same thing is to give you knowledge, because knowledge
1:31.3	properly stored and processed is power. And that's what I want you to have. Now, I want to tell you,
	...

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