The following program is a podcast one.com production.

It's great to have you here on the Clark Howard Show where it's about you learning ways to

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

Our web address, Clark.com, coming up in 20 minutes.

I want to tell you about a change going on at Wells Fargo is they continue to be a regular

contributor to the Clark Rages moment and coming up in a half hour.

If you have a claim under your health insurance and it is denied and you get one of those

statements that says we paid this, you have to pay that.

What do you do when they're wrong and you're having to pay money you don't know?

I'm going to tell you what you need to know to protect your wallet.

The thing of which, this is the time of year our wallets get picked when we do our income

tax and there's something that you may faintly be aware of but you've never really put it

into use in your life.

You start working on your taxes, use tax software or use a preparer and you find out what

your tax liability is going to be.

If you own your own business, you can retroactively reduce your tax bill that you're having to

pay now for earnings last year by setting up a set.

A set is a simplified employee pension.

It's basically a turbocharged IRA with a lot more flexibility than you have with an IRA

and so you can set one up where the beauty of it, the paperwork takes about a minute and

a half to fill out.

You can use any of the ultra low cost companies to have your set with and you can choose each

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