This episode is brought to you by Shopify. With Shopify, 2026 is the year you make it happen. It gives you the tools to build your dream store, online and in person. Plus with marketing built in, it'll help you reach exactly who you need to. Join the millions who've already made the leap, like Jim Shark and all birds, and ring in the new year with Shopify.

Sign up for your £1 per month trial at Shopify.com.uk slash Spotify.

It's great to have you here on the Clark Howard Show.

You know, our mission is to serve you with advice information that empowers you to make better financial decisions in your life.

And I want to begin today thanking all those who donated to this, our 35th year of Clark's Christmas kids. This is where we help children in foster care have a smile on their faces Christmas morning by giving them gifts to open. And you can still donate to help us in this joyous thing that we have been able to do for 35

years by going to clark's christmaskids.com and donate whatever you can afford for a child

who's not with his or her family this Christmas and is in foster care Over 10,000 kids and all the money goes directly

to these kids. Yeah, there's no overheads siphoning off. But the only fee we face is for

credit card processing fees. That's the only one we have to deal with. So thank you so much.

If you have been a long time generous donor, I'm so grateful to you.

If this is the first year you do it, I'm so thankful to you. And if this isn't a year, you can

afford to do it, but you help us next year. I'll be thrilled. Now, let's go to what you don't

appreciate where I'm stinking it up and Clark stinks.

And after we do that, I'm going to give you my ideas.

If you are a procrastinator who this close to Christmas, you haven't filled out your nice list yet.

We're going to talk about what you should do.

And I have no idea what you're going to say in that. You'd have not told me, so I'm very curious.

I can't wait for that. How do you know it's going to be useful? It might not be.

I bet it will be. Well, we'll see. But right now we get to see where you feel I was not useful or worse in today's Clark Stinks.

I should have never encouraged you to speak.

You must think I'm pretty stupid.

You should be ashamed of yourself.

...