The following program is a podcast one.com production.

I'm so glad you've joined us here on the Clark Howard Show where it's all about your wallet.

I want you to learn ideas from me so that you can keep more of what you make.

Clark.com is our website.

You want deals?

ClarkDeals.com and when you have a question for me, Clark.com slash ask.

Coming up in 20 minutes, there's something you got to know in today's Clark Registrar

moment.

When you go to fill a prescription med, it could save you big money.

In a half hour from now, the process of applying for a mortgage has been such a pain.

The documentation required in all the rest, ridiculous.

I want to tell you about changes coming that are going to make you applying for a mortgage

loan not as much of a miserable experience as it's been.

Not pleasant, but the misery index is going to go down.

I want to talk right now about a change going on with quick serve restaurants and some of

the fast food houses.

It is the role of the app and you saving money on your order.

Starbucks was early with this.

Starbucks came up with a concept of allowing you to order in advance, allowing you to pay

from the app, allowing you to get frequent purchase discounts and free items through your

activity.

Everybody else, more or less, is starting to follow the lead of Starbucks.

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