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Glad you're with us here on the Clark Howard Show where it's about your empowerment with knowledge so you can keep more of what you may.

Clark.com is our main website.

Hey, and by the way, do you know if you need advice, we offer free offer, they offer the air advice.

We've been doing so since 1993 where you can talk with a member of Team Clark and get free advice.

So if you scroll down on Clark.com, you'll see the information, how you can get that done to have a serious impact on your wallet.

A good one, I hope.

And coming up later, we have a reverse Clark rage.

I want to tell you what a difference you and I can make in the lives of other people.

I have a great example for you.

And coming up yet later, when you think about what are the things you need to do to lead a financially successful life, not a personally successful life or spiritually successful life, but a financially successful life.

There are some rules that are so very simple that you can even just put them on a postcard.

We're going to talk about that.

So I get quite a few questions from people confused about buying life insurance.

And I talk many times to short hand in that about how you know whether you need life insurance, how much you should have and how you go about buying it.

So we talked about this and what we call our show meeting when everybody's together from all the various disciplines or social media or

website or a deal site, off air site, TV, radio, we're all together and we share ideas and we talk about things we could do better and things that it looks like people could use.

So based on questions that have come up lately, I realized that we needed to all work together to do a better job for you when it came to trying to buy life insurance.

And so we have a new guide for you at Clark dot com that talks you through how to buy term life insurance, which for probably 99% of us is the life insurance you should have.

Only someone who is an ultra high income earner would normally be a candidate for what's known as whole life insurance.

There's a lot of other trashy life insurance out there that people may try to sell you variable universal life universal life that are just absolutely a recipe for financial disaster.

But for most people again, unless you earn massive amounts of money per year, you're going to best be served by term life insurance. I want to explain.

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