So glad to welcome you to the Clark Howard Show where it's all about you and that quality

yours.

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

Coming up in just a few minutes, you want to compare us and shop for auto insurance?

Good luck.

It's today's Clark Rage.

And later, I want to talk about the actual value on average of the level of education

you have.

What does the level of education from high school through the graduate degree?

What does it do to your paycheck?

I'm going to share some shocking comparisons for you, some surprising numbers.

I want to talk right now about something that has become the thing.

And that is subscriptions for services and products rather than paying for them as you buy

them.

It is a massive change in the economy.

It is something that is a preferred method to do things for people that are in their

20s and 30s who are the key influencers today and how society works and commerce works.

The levers of power are still heavily in the hands of older generations, but the power

is migrating in the consumer sense to people that are younger.

And one of the key things they want is not to have to own stuff.

Now, we got an early look at this at how Netflix destroyed the idea of owning video.

I mean, it seems so long ago that people used to own movies.

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