This episode is brought to you by Network Rail.

It's easy to disappear into your own bubble when you're out and about,

whether you're lost in your thoughts or lost in nature.

The last thing on your mind is the danger of trains at level crossings.

Beware the bubble, stay aware, take care and help us keep you safe at level crossings.

It's my pleasure to welcome you to the Clark Howard Show,

where it's about you and that wall of yours.

I want you to learn ideas from me so you can save more and spend less.

And don't let anyone ever rip you off.

Coming up in just a few minutes and today's Clark Rageous Moment,

there's somebody giving you permission to rip your self off

and people are doing it again and again.

I'm going to fill you in.

And later, are you a coffee drinker?

You like fancy coffees?

Whatever it is?

Well, there's a new way you can get coffee without you having to make it

and without a human making it either.

That's a riddle. I'll fill you in.

So I want to talk to you right now about the difficulty.

People have who are self-employed when it comes time to buying a home.

The mortgage business historically has been set up only to serve people

...