Welcome to the Clark Howard Show where it's about your empowerment with knowledge so you

can pack a punch in your wallet.

My goal is to keep more of what you make.

Clark.com is our main website and I hope that you find the information at Clark.com.

Information you can trust every time you go to Clark.com.

And ClarkDeeals.com is where you get the great deals that we fair it out for you.

We don't just list deals.

We look for ones that aren't wasting your time.

And coming up later this hour, I want to talk about a trend in real estate that is not

your friend.

It's a pitch being heard more and more around the United States, particularly geared towards

first time home buyers.

You need to pay attention to this and don't get taken advantage of them that's coming up

later.

So whenever there's an issue coming up with how people get in your wallet, I'm always

of a mind to be careful talking about it because I don't want to create anxiety in you

unnecessarily.

I don't want to overwhelm you.

I don't want you to get to a point where you feel like I'm just giving up.

You know, I think about when you talk to people who work in data security, they say,

assume everything about you is already out there.

And that can be an overwhelming powerless kind of moment as you sort of thought like that.

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