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It's my pleasure to welcome you to the Clark Howard Show, where it's all about you learning ways to save more and spend less.

And don't let anyone ever rip you off.

I think about over the years how I never, for a long, long time, ever took any kind of question about investing.

We're not an investing show.

But over the years, gradually, there's been more and more people asking me things about Roth IRAs, 401Ks, that sort of thing.

As people who were never focused on the stock market or investing have been forced to, as employer pensions have generally vanished.

So people who are not interested in it, particularly studied for it, are left having to understand enough to protect themselves building towards a financial future.

And so a time like right now can get extremely confusing.

So we're in the middle of a pandemic. We're in a recession.

We've been through a time period over the last five months where 50 million of our fellow Americans have faced at least some time in unemployment.

We continue today with tens of millions still in unemployment.

People whose job situation has been unstable where they are employed, unemployed, employed again, maybe facing another wave of unemployment.

How in the world in the midst of this could the stock market have cratered when the pandemic started?

And now is it all time record highs?

In addition, Apple became the first company, I guess ever in history anywhere on earth, to hit a value of $2 trillion.

I mean, that's unbelievable. That's $2,000 billion in value for one company.

Well, I want you to drill down on this and understand how it affects you and your wallet.

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