It's 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 to me so that you can save more and spend less.

And don't let anyone ever rip you off.

Clark.com's our main website, cartdeles.com where you go to save money each and every day.

Starting up in just a few minutes, I want to fill you in on a scam that is growing exponentially.

It's where you end up giving up personal and billing information.

Thinking you're dealing with legit people.

I'm going to tell you what to look out for because this one's nasty.

It's making a lot of money for the crooks.

And later yet, there's a number of things that have changed with 529 accounts.

Those are the college savings plans where you can save money tax-free and spend it tax-free

on college.

There's a lot of new wrinkles with 529 plans.

I want to make sure you're up to date on those.

So I want you to think about it.

If you have health insurance, what is your...

Policy holder number.

It's not your social security number.

Although I remember when it used to be, mine is when it's like a number followed by...

I'm not going to get my number on the air.

Followed by five digits.

So I got an alpha followed by five numerics.

...