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It's my pleasure to welcome you to the Clark Howard Show. Our mission is to serve and empower

you so you make better financial choices in your life. I'm really excited about a trend

that started back in the 1990s kind of peedered out, and now is back stronger than ever. It's

called by nothing groups. This might be something you can incorporate into your life, is maybe

a New Year's resolution. Later, I also want you to resolve to make sure all your records

and information are available to your loved ones in case you unexpectedly pass away. I know

that Christa, people hate it when I say that. Or something happens to you.

Or something happens to you. Or you become disabled. That is true.

That is true. I'm going to tell you God forbid the method we use in our household of making

sure that I know what's going on with lane stuff. She knows what's going on with my stuff.

And we each know what's going on with our stuff together. But first, speaking of stuff,

...