The following program is a podcast one.com production.

So glad you've joined us here on the Clark Howard Show where it's about you learning ways

to keep more of what you make.

Clark.com is our website.

You're looking for deals.

Check out ClarkDeals.com.

You know, it's not a deal.

When dealers take advantage of you when you're buying a car, I have a special

warning for you about an old, unsavory, dealer practice that you must know when you go

to buy a newer used car.

That's in today's Clark Rage just 20 minutes away.

And coming up in a half hour, Americans generally are pessimistic about their kids' futures.

I have new information for you that may help you relax just a little on that score.

Things do change though all the time in our present and future.

Things that were the way they were, you have to prepare for the way they're going to

be.

An example is retail stores closing all over the place.

I talked about it recently about gift cards, how careful you need to be, buying anybody,

either yourself or for someone else, gift cards for any retail store because who knows

who's going to be around next week with so many retail store failures.

The reality is that America has been way, way, way over stored.

We have far too many retail locations, too many shopping centers, too many branches

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