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Before we get rolling, here's a word from one of the folks who helped bring you this podcast.

The following program is a podcast1.com production.

I'm so glad you're with us on the Clark Howard show where it's about you

learning ways to keep more of what you make.

Clark.com is our website.

And when you have a question for me,

you can find the Clark.com slash ask coming up in 20 minutes and today is Clark Regis moment.

There's a big fat lie being peddled right now about something I can't stand annuities.

I need to tell you what to be on your guard for.

And a half hour from now, there is a new way that you're being kept away from scammers

on your cell phone.

I want to tell you how it works.

I want you to use it because so many of the scams now are coming by your phone.

Twice recently, things have come up about what goes on in our nation's prison system.

And you might wonder why would that be on our show.

But there are a number of consumer angles involving the prisons.

And I mentioned something in passing the second time prisons came up.

And somebody stopped me to talk to me about it.

It really touched them and asked me more about it.

And it was clear I, because I only talked about it in passing.

I didn't adequately explain why this is so important for you and my wallet.

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