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.

And this holiday week, leading up to New Year's is our last show of 2025 today. I want to

thank each of you for listening to or watching this show. I hope that over this year, I've brought

you information, something that has been valuable and

actionable in your life.

In this episode, two days from now, will be the biggest night at the year for Uber and Lyft.

Oh, the year's Eve.

People know now not to drink and drive, so they get an Uber or a Lyft, usually an Uber.

By the way, I should mention, before I forget, some communities offer free ride programs

on New Year's Eve, and that's even better than what I'm about to talk about with Uber and Lyft.

But I want to talk about how you get the best deal.

Also, oh boy, bit of a Debbie Downer here.

There's a mortgage product that's becoming really ultra popular right now.

Old bad ideas can become popular again.

I'm going to give you my best advice if you're going to buy a home or refi sometime in 26.

Okay.

So what are the odds that if you have the apps on your phone for Uber and Lyft,

that you comparison shop per ride? One study I saw found that over 85% of people only ever click on one of them.

Now, there was a study done by a newspaper reporter that found huge differences in price per ride.

And then after doing the test the reporter did, did a more formalized test with many different people recording what the prices were each ride for Uber and Lyft.

And first thing you need to know is that not one was cheaper or automatically more expensive each time.

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