Great to have you here on the Clark Howard Show where it's all about you and your wallet.

I want you to learn ideas from me so you can save more and spend less and don't anyone

ever rip you off.

Gosh, a rip off alert coming up in today's Clark rage involving Equifax.

We're not going to believe what I'm going to tell you about Equifax in just a little while.

And later yet, let's talk something fun.

Valentine's Day.

I'm going to tell you the Clark Smart way to do Valentine's and be romantic, more romantic

than the normal stuff people would do for Valentine's Day.

So Super Bowl was a fantastic game.

And I go into blackout mode during the Super Bowl because I record the game and don't start

watching till two hours in because a normal NFL game is three hours and six minutes on

average.

Super Bowl seems to go on well more than four hours.

There's an ultra long half time show and all those zillions of commercials.

So I can start two hours in and pretty much finish when the game finishes.

And so my phone's just burning up with text coming from so many friends and my two brothers

and one after another talking about the game while it's going on.

And I had to be so rude and not respond to any of them until the game was over because

I didn't want to know who was winning, who was losing.

I wanted to hold the drama.

And so I didn't see a single commercial.

...