It's my pleasure to welcome you to the Clark Howard Show where it's about you learning ways

to save more and spend less and don't let anybody ever rip you off.

Our web address, Clark.com, coming up later, tipping everywhere you go now.

How much do you tip?

Windy a tip?

How about when you're flying?

Should you tip?

Wait till you're here.

So, I do a lot of counseling with people about money and there's been something so consistent.

We talk about all the strategies, about ways to reduce your expenses.

We have our group of people working together right now that we did with our money challenge

for 2019 and we have a lot of people making great progress with that and how they're handling

money and they're all helping each other.

It's like they shepherd each other to reduce expenses, try to come up with $3,000 back in

their life before the year is out.

And there are so many places we can impact what we spend.

But do you know nothing has a bigger impact than what you spend on housing, which is not

really a key part of my money challenge.

Because my money challenge is where you're living, how you're living your life, how do

you reduce expenses and that.

But if you go bigger picture, then what I've done with my money challenge for you, housing

is the largest impact you can have on what goes on with your finances over time.

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