The Clark Howard Podcast

Clark discusses why having a portion of your retirement funds in overseas investments is highly recommended.  Also - Why Clark’s recent advice on shopping airfares just changed. Investing Worldwide: Segment 1 Ask Clark: Segment 2 Airfare Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Investing Abroad Could Pay Off Best Online Banks: Free Checking and High-Interest Savings Accounts - Clark.com How to Buy a New Car in 5 Steps Booking Domestic Flights One-Way? It's Costing You More (Again)⁠ Delta’s New Fare Changes Just Made Booking Flights and Earning Miles More Complicated⁠ Travel Archives  /   Cruises - Clark Howard Top 7 Ways To Shop Safely Online Should You Get a Business Credit Card? | When Is It Worth It? Best Small Business Credit Cards: Top Picks for 2025 Best 2% Cash Back Credit Cards: Top Options for 2025 Best Cash Back Credit Cards With No Annual Fee in 2025  Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Published: 27 August 2025

A retired couple’s home renovation plans nearly triggered a massive, hidden cost that no one wants to pay: the Income-Related Monthly Adjustment Amount (IRMA). Fiduciary financial advisor Wes Moss breaks down how a simple plan to pay for a renovation could have led to thousands of dollars in extra Medicare premiums and what you can do to avoid a similar fate. Also, Wes dives into the world of AI and financial planning. He explains why AI is a powerful tool for analysis, but warns against using it as a fortune teller. Find out how you can use AI to your advantage while avoiding the dangerous pitfalls of letting it make your big financial decisions for you. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 26, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Published: 26 August 2025

Ever wake up Monday regretting how much you spent over the weekend? Today Clark re-examines the no spending trend through a needs-vs-wants traffic light lens as a smart way to think about spending.  Also today  - Travelers are being heavily targeted at ATMs & check outs. Clark shares an easy way to protect your wallet and identity when out & about - and why this is necessary now more than ever.  Mindful Spending: Segment 1 Ask Clark: Segment 2 ATM Pickpockets: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should you buy it? If you answer 'yes' to these questions, probably not What Can I Safely Use for Peer-to-Peer Payments? Can I Use an Online Will Maker or Do I Need an Attorney? How To Create a Will Online  /  Wills & Funerals Archives How To Freeze and Unfreeze Your Credit With Experian, Equifax & TransUnion NYTimes: Help! A Pickpocket Used My A.T.M. Card, and Citi Won’t Cover It. Unpack these cybersecurity tips for a stress-free vacation Why It's a Great Time To Get a Cheap Ticket to Europe How To Pack a Carry-On the Right Way Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 25 August 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also - Digital pricing is popping up in more supermarkets. Clark discusses how this pricing works, and how the results are turning out to be quite different from his early predictions.  Clark Stinks: Segments 1 & 2 Dynamic Grocery Pricing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Amazon vs. Walmart: The Price War You’re Probably Losing (and How to Win!) Subscription Services: Why Canceling Is So Hard (and a Solution) 4 Insurance Policies You Actually Need (And 4 You Don't) Clark Addresses Changes to One of His Favorite Travel Credit Cards Top 10 Perks of the Capital One Venture X Rewards Credit Card Welcome to the Grocery Store Where Prices Change 100 Times a Day - WSJ What Can I Safely Use for Peer-to-Peer Payments? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 22 August 2025

A rapidly changing job market calls for reassessment and thinking outside the box. And maybe outside your town. Clark seeks to help open your mind on 3 fronts in the quest for satisfying employment. Also, 529 Plans just got even better, with new ways to utilize them for non-traditional education. Job Assessment: Segment 1 Ask Clark: Segment 2 New Possibilities With 529 Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  Axios: Where the jobs are 5 midsize U.S. cities driving small-business growth   Is Now a Good Time To Buy an Electric Vehicle? Should You Ever Lease a Car? Report: These 10 Vehicles Are the Best for the Money in 2025 Best 529 College Savings Plans By State 529 to Roth IRA: Rollover Rules, Conversion Guide, and FAQs How to Get Financial Affairs In Order Before Death or Disability Subscription Services: Why Canceling Is So Hard (and a Solution) ESPN and FOX Join Forces on New Streaming TV BundleIs Is Sling’s New Subscription Option the Sneaky Way To Watch Football in 2025? Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 20 August 2025

Why This Retired Couple Is Still 70% in Stocks and Will the Fed Start Lowering Rates? A retired couple in their 80s has big pensions, no debt, and a significant amount of their portfolio in stocks. While traditional wisdom suggests being more conservative with age, find out why they have an “infinite time horizon,” as fiduciary financial advisor Wes Moss explains. Also, the Federal Reserve is the engine of the U.S. economy, and its decisions on interest rates have massive ripple effects, from the housing market to your savings account. With the latest inflation and jobs reports suggesting a cooling economy, Wes explains why we may be at the end of the "higher for longer" era. He also provides a critical heads-up for savers. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 19, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 19 August 2025

In today’s episode, Clark talks about the condo market and what makes it different from the single-family home market. Later, there’s a common, costly fee that may appear on your doctor bill that is generally not disclosed, and charged after treatment. Clark explains what’s going on and how to prevent getting gouged by this.  The Condo Market Difference: Segment 1 Ask Clark: Segment 2 Undisclosed Facility Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Credit Lock vs. Credit Freeze: What's the Difference? NBC News: Did your doctor's office charge you a 'facility fee'? Here's what to know. Why It’s a Great Time To Get a Cheap Ticket to Europe What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Best Financial Advisors in 2025 Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 18 August 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, one major rental car company has now earned the “do not rent” label from Clark. Get Clark’s latest advice on car rentals.  Clark Stinks: Segments 1 & 2 Car Rental Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Booking a Cruise? Here Are 5 Ways To Do It for Less You Won't Believe What Clark Howard Says About Wells Fargo Now What Is an HSA Account and How Does It Work? Subscription Services: Why Canceling Is So Hard (and a Solution) What Is a CD Ladder and When Is It a Good Idea?  /  CD Ladder Calculator Marriott Bonvoy Boundless® Credit Card Review: What You Should Know The Secret Technology Rental Car Companies Are Using Against You Cheapest Way to Rent a Car: Expert Tips Major Changes Announced for Southwest Airlines Credit Cards How Do You Prepare for the Likelihood of Long-Term Care Costs? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 15 August 2025

Clark has vital, very important advice for fellow travelers regarding insurance. Also today - while tragic disasters bring out the best in people rendering aid, we know that scammers routinely emerge to exploit this attribute, with ploys to steal donations. Clark discusses what to watch out for in a case of disaster when you want to be of help. Travel Health Insurance: Segment 1 Ask Clark: Segment 2 Scams After Disasters: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Travel Insurance Checklist: 5 Types of Coverage To Consider Should You Ever Buy Travel Medical Insurance? Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? 5 Steps To Getting a Good Deal on a Hotel Room 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Choose the Best Charities for Your Donations Spot and avoid FEMA impersonators BBB-File a Complaint Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 13 August 2025

Is the 60/40 Rule DEAD? and Inheriting Money The Right Way Is the 60/40 investing rule dead? Fiduciary financial advisor Wes Moss tackles this question by looking back at research and revealing what a $500,000 portfolio would look like today. He shares why balanced investing is still critical for a comfortable retirement. Also, with the largest wealth transfer in history underway, Wes provides a reality check on inheriting money. He gives you a simple checklist for receivers and givers to make sure you're prepared. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 12, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 12 August 2025

Not all retirement plans are created equal. When it comes to the 403bs many teachers and non-profit workers are offered - the math is wrong. And not all 401(k)s will serve you well. Knowing how to get the most from your investments can mean WAY more money in retirement.   Also - It’s rare to find the opposite of shrinkflation, but some retailers and restaurants are filling the value gap - in buckets!  Retirement Plan Choice: Segment 1 Ask Clark: Segment 2 Bonus! Buckets Of Coffee: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Teachers Are Learning a Hard Lesson. Their Retirement Plans Cost a Fortune.⁠ ⁠What Is a 403(b) and How Does It Work?⁠  /   ⁠403bwise.org⁠ ⁠How To Open a Roth IRA⁠ ⁠401(k)s Weren’t Built for the Gen Z Economy⁠ ⁠Why You Need To Know Your Company 401(k) Fees⁠ ⁠Investing & Retirement Archives - Clark Howard⁠ ⁠What Is a Fiduciary Financial Advisor and Do I Need One?⁠ ⁠Your Morning Coffee, in a Bucket⁠ Is Now a Good Time To Buy an Electric Vehicle? ⁠Report: 4 Used Electric Vehicles Under $25,000⁠  /  ⁠ABRP Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 11 August 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark explains a new pricing tactic now in use in the airline industry - and the booking strategies that can help you save more on travel. Clark Stinks: Segments 1 & 2 AI Airfares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Deal With Medical Debt Can a Patient Advocate Help With Your Medical Bills? Warning: Watch Out for This Big Ripoff at the Pump Why Are Retailers Adding an Additional $1 Charge on My Credit Card? Sam's Club® Mastercard® Review: Earn 5% Back on Gas Purchases What Is a CD Ladder and When Is It a Good Idea? The Best Cheap Sunscreens in 2025 Travel Archives - Clark Howard Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 8 August 2025

Today, Clark explains the “Trump Account” for newborns - including how the account works and how best to manage one. Later - Get the lowdown on something we all need to protect ourselves from - cell phone sim swapping fraud. Trump Accounts: Segment 1 Ask Clark: Segment 2 Warning: Sim Swapping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should You Start a 'Trump Account' for Your Child? What Is Umbrella Insurance and Do You Need It? How To Improve Your Credit Score in 5 Key Areas Credit Score Experts: How To Take Your Score from ‘Good’ To ‘Exceptional’ Axios: How Scattered Spider hackers are wreaking havoc on corporate America SIM Card Swapping: The Dangerous Cell Phone Scam Clark Howard's Guide to Saving Money on Your Wedding Are Money Market Funds a Safe Place To Stash My Savings? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 6 August 2025

Catch-Up Secrets for Savers 55+ and Does the 4% Rule Really Work? Are you 55 or older and feeling behind on retirement savings? Or perhaps you're wondering how to make your money last once you do retire? Fiduciary financial advisor Wes Moss dives deep into crucial strategies for those 55 and up, including powerful "catch-up" contributions for your 401(k), IRA, and HSA that can add thousands to your nest egg. Also, Wes also reveals the often-debated but incredibly powerful 4% rule, explaining why it's a critical guideline for sustainable retirement withdrawals and how it can reduce your anxiety about running out of money. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 5, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 5 August 2025

In an ongoing breach of ethics to the lasting detriment of consumers, many subscription services make it virtually impossible to cancel. So there’s something you need to do before signing up for anything. Also - Clark breaks down IRS reporting requirements on payment apps -which aren’t becoming more stringent after all. If you’re a vendor, small contractor or do business via payment app, know what will trigger a 1099.   Click To Cancel? We Wish: Segment 1 Ask Clark: Segment 2 Payment Apps & 1099s: Segment 3 Ask Clark: Segment 4 Mentioned on the show: One Tech Tip: 'Click-to-cancel' is over, but there are other ways to unsubscribe Cash Envelope System: How It Works Budgeting & Saving Archives - Clark Howard How To Take Your Score from ‘Good’ To ‘Exceptional’ Credit Karma Review: Free Credit Score and More at Your Fingertips Two tax reporting changes on tap for businesses, freelancers and payment apps like Venmo How to Start Investing: 10 Steps for Beginners Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 4 August 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode,  a Christmas pricing preview - and word to Amazon Prime loyalists about new pricing, and cheaper alternatives. Clark Stinks: Segments 1 & 2 Amazon Price Changes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Mail a Check  /  What Is FedNow? What Is a Roth 401(k) and How Does It Work? Social Security Survivor Benefits Amazon Raised Prices on Hundreds of Essentials After Trump Unveiled Tariffs Amazon Prime vs. Sam’s Club: Which membership is a better deal? Walmart+ Membership Program: 4 Things To Know Best Credit Cards to Use at Walmart in 2025 The Platinum Card® from American Express Review: Is It Worth It? What Is a Fiduciary Financial Advisor and Do I Need One? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 1 August 2025

With car insurance rates escalating, many people are serious about shopping around for a better deal. Clark offers guidance for lowering that bill. Also, a topic of great interest to Clark and vital to us all: Energy and the factors affecting how much we pay.  Save On Auto Insurance: Segment 1 Ask Clark: Segment 2 Energy Diversity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Auto Insurance Companies and Some of the Worst How to Shop for Lower Car Insurance 10 Ways To Save Money on Car Insurance Insurance costs are soaring around Tornado Alley. Hail is the big problem. Clark Howard's #1 Rule Before You File an Auto Insurance Claim How To Open a Roth IRA In Small Nuclear Reactors, There’s One Clear Leader Today The Best Cheap Phone Plans Under $40/Month The Best Phone Plan For You – Compare Phone Plans The Secret Technology Rental Car Companies Are Using Against You Cheapest Way to Rent a Car: Expert Tips Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 30 July 2025

Are You Richer Than You Think? and This Little-Known Strategy Can Save You a Ton in Taxes Do you feel rich? Fiduciary financial advisor Wes Moss breaks down how to calculate your “rich ratio” and reveals surprising signs you're wealthier than you realize. Plus, discover the little-known NUA rule – a potential tax-saving strategy that could save you thousands on your 401(k)! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 29, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 29 July 2025

Today - Clark discusses how retailers and consumers are handling inflation. To deal with higher prices, we’re changing how & where we shop. It works!  Also, it's more important than ever to be on guard because scam attempts are nearly constant. Clark alerts you to some of the latest scams so you don’t get ripped off.  Offset Inflation: Segment 1 Ask Clark: Segment 2 Most Common Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 10 Ways You're Wasting Money on Groceries Axios: Store brands become retail's secret weapon against tariffs Dollar General is shaking off tariff fears and winning over higher-income consumers Barrons: The Rich Are Shopping in Dollar Stores. What It Means for the Economy. Best 529 College Savings Plans By State 529 to Roth IRA: Rollover Rules, Conversion Guide, and FAQs BBB-File a Complaint How to Freeze Your Child's Credit Overwhelmed by Scammers? 96% of Americans Are Targeted Every Week Scammers posing as SPCA and animal welfare staff AI Obituary Pirates Are Exploiting Our Grief. I Tracked One Down to Find Out Why Student loan scammers won’t offer relief This hurricane season, prepare to avoid the scams Are you really out of Cloud storage or is that message a scam? Think Twice Before You Click ‘Unsubscribe’ The Safer Way To Use Your Debit Card Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 28 July 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark discusses some unusual developments happening with air travel right now, including lower fares to Europe, and explains how reshopping advance bookings can save frequent flyers big money.   Clark Stinks: Segments 1 & 2 Airfares to Europe: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 12 Things You Never Knew You Could Get From Your Local Library Transatlantic airfares slump as Europeans continue to shun travel to America It will soon be possible to fly for just $5, but with one condition, and it’s not something you’ll like.   How To Save on Travel With Google Flights Should I Tip on a Cruise?  /  Tipping on a cruise. What to do, what to expect Cheapest Way to Rent a Car: Expert Tips How To Dispute a Charge on Your Credit Card The Secret Technology Rental Car Companies Are Using Against You Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 25 July 2025

To save more, it’s important to tackle the “monthlies” - those bills that come due month after month. Today, Clark discusses how the cable monopoly is weakening and now you have more affordable choices for home internet. Also, a big monster mega bank with a lengthy rap sheet, formerly referred to by Clark as “criminal enterprise posing as a bank”  - seems to have emerged from the dark side.   Save On Home Internet: Segment 1 Ask Clark: Segment 2 Wells Fargo’s New Start: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Find the Best Deal on Cheap Internet Service in 4 Steps Internet Archives - Clark Howard Understanding Home Equity Agreements What Is an Annuity, and Why Does Clark Think They Stink? Should You Make Your Child an Authorized User on Your Credit Card? Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards 18 of the Best High-Yield Online Savings Accounts in July 2025 How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 23 July 2025

10 Financial Myths That Are Costing You Money Are you falling for common financial myths that are holding back your wealth? Fiduciary financial advisor Wes Moss debunks 10 prevalent financial misconceptions that could be costing you big time! 10 Investing Myths That Are Costing You Money Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 22, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 22 July 2025

We all have to eat, but these days, eating out can eat up your wallet.  Many Americans are adjusting their food spending habits, and Clark has some tips for you. Also, for those who regularly mail out packages, Clark discusses options for reliable, affordable shipping.  Food Savings: Segment 1 Ask Clark: Segment 2 Clark Smart Shipping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Axios: 1 big thing: Home cooking Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? Warehouse Clubs Archives - Clark Howard USPS Rate Change July 2025 | Pirate Ship Support Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Why You Should Keep Old Credit Card Accounts Open What Is a Fiduciary Financial Advisor and Do I Need One? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 21 July 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses upcoming opportunity in the car market, and answers the question: should you buy an EV now before the tax credit expires on new and used electric vehicles. Clark Stinks: Segments 1 & 2 An EV Purchase: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Take on the Chase Sapphire Reserve® Changes Aerolopa - Making sense of airline seating plans Clark Howard's Obsession That Could Save You Hundreds 6 Reasons Sam's Club Is Better Than Costco Capital One Agrees To Major Settlement After Accusation of ‘Cheating’ Customers How To Save Money on Utilities This Device Can Help You Avoid an Annoying Car Rental Fee Axios: The next wave of EV adoption What Is Supplemental Insurance and Should You Buy It? 4 Insurance Policies You Actually Need (And 4 You Don't) Is Pet Insurance Worth It? Costco Travel: 5 Things To Know Before You Book Booking a Cruise? Here Are 5 Ways To Do It for Less Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 18 July 2025

You bought it, you wore it once, then sent it back. Maybe you just changed your mind. In addition to online purchases necessitating more returns, there are those gaming return policies. Clark predicts how this challenge for retailers will become costlier for consumers. Also - Is now a good time to tackle a home improvement project? There’s something going on in the market you need to know. Retail Returns Costly: Segment 1 Ask Clark: Segment 2 Home Improvement Decision Making: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 15 Items That Can't Be Returned to Amazon 3 Reasons You Should Never Book a Nonrefundable Hotel Room The Only Reason You Should Make an Improvement to Your Home Americans delay home improvements in latest blow to US housing market Certificate of Deposit (CD): What Is It, Best Places To Open One What Is a CD Ladder and When Is It a Good Idea? CD Ladder Calculator - Clark Howard How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 16 July 2025

Best Time To Take Social Security and Why Target Date Funds Are Good, but Not Perfect What’s the best time to take Social Security? Fiduciary financial advisor Wes Moss breaks down several scenarios to help you optimize your Social Security check. Also, target date funds have long been a popular option as a “set it and forget it” easy button for investing. Wes shares why this “TV dinner” of investing is a good – but not perfect – option. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 15, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 15 July 2025

Clark has recommended shopping for auto insurance as rates keep rising. But it’s also important to know how some insurers are tracking you surreptitiously to set rates, while others offer voluntary programs, or usage-based premiums to earn discounts, which can be a benefit or punishment. Later - Clark is in favor of businesses setting credit card surcharges in the U.S. as they do in other countries, but some gas stations have been caught charging outrageous amounts, and you need to be aware before you go to the pump. Save On Auto Insurance: Segment 1 Ask Clark: Segment 2 Credit Card Surcharges On Gas: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  Is Your Smartphone Making Your Car Insurance More Expensive? How to Shop for Lower Car Insurance Do I Need To Unfreeze My Credit To Shop for Car Insurance? Best Auto Insurance Companies and Some of the Worst Warning: Watch Out for This Big Ripoff at the Pump Best Travel Credit Cards: Top Rewards Picks for 2025 Best Cash Back Credit Cards Fidelity® Rewards Visa Signature® Card Review: Invest with 2% Cash Back Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 14 July 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark offers perspectives on the current job market with advice for those seeking employment, including recent high school and college grads. Plus, for those soon heading into college, hear Clark smart advice for graduating with a solid employment path.  Clark Stinks: Segments 1 & 2 The Value Of Working While In School: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ETF vs. Mutual Fund: Which Investment Is Better? What Are Index Funds?  /  What Is an ETF? Best Auto Insurance Companies and Some of the Worst Protect Your Money From Sneaky Card Skimmers Monarch Money Review: Is This Budgeting Tool Worth the Price? Empower Review: How It Works, Pros & Cons Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 11 July 2025

After the pandemic, the cruise industry came roaring back. But the tide is turning. Today - Clark smart direction for cruise travelers. Also, there are innovative methods of building much-needed housing in the U.S. awaiting wider adoption. Clark has an impressive case in point - courtesy of Brooklyn. Cruise Update: Segment 1 Ask Clark: Segment 2 Affordable Housing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Re-Shop Your Cruise Booking a Cruise? Here Are 5 Ways To Do It for Less Where You Should Never Buy Travel Insurance for a Cruise The Only Way You Should Pay for a Cruise How To Find Cheap Flights in 3 Easy Steps 5 Money Tips To Know Before You Travel Abroad This Brooklyn apartment complex was built like a Lego set Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels Ask Clark: How Should I Replace My Prepaid Bluebird® American Express®? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 9 July 2025

Avoid This Potentially BIG Roth Blunder and 3 Keys to Happy Retirement Success Don't make this potentially HUGE Roth mistake! Fiduciary financial advisor Wes Moss reveals a little-known rule about rolling over your Roth 401(k) into a Roth IRA that could cost you big. If you've only contributed to a Roth 401(k), you need to hear this to avoid a costly blunder with the 5-year rule. Also, Wes recently received a retirement love letter from a couple who are self-proclaimed “happiest retirees on the block.” He shares the letter and the big keys to happy retirement success. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 8, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 8 July 2025

From influencers peddling goods to “finfluencers” employing bot farms to push fake posts about hot stocks - schemes and scams are rife on social media, and public users aren’t the ones getting rich. Also today, why you should never take a health insurance claim denial lying down! Clark explains the denial game, and how most of the time, filing an appeal works in your favor. Social Media Scamdemic: Segment 1 Ask Clark: Segment 2 APPEAL Health Insurance Denials: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  Meta Battles an ‘Epidemic of Scams’ as Criminals Flood Instagram, Facebook - WSJ Tom’s Guide - The Oura ring just got a new rival What Should You Do if Your Insurance Claim Is Denied? No Surprises Act Consumer Advocate Toolkit Health Insurance Archives - Clark Howard Health Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 7 July 2025

Today, Clark discusses a disturbing trend underway involving retirement accounts, and explains the best way to use a 401(k).  Also, Clark explores the significance of small business in building wealth and influencing the overall economy, including the opportunities provided for workers now facing uncertainty.  Steady Retirement Saving: Segment 1 Ask Clark: Segment 2 Small Business: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - INVEST & RETIRE The Only Two Exceptions to Clark Howard's Annuity Rule Immediate Payout Annuity: What Is It and Do You Need It? How to Start Investing: 10 Steps for Beginners 3 Big Retirement Account Changes You Haven't Heard About What Is a SEP IRA and Who Is Eligible? What Is a Solo 401(k) and How Does It Work? How To Buy Term Life Insurance in 7 Easy Steps Homeowners Insurance Archives - Clark Howard How to Shop for Lower Car Insurance How To Send a ‘Drop Dead’ Letter to a Collection Agency Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 2 July 2025

Today - A Clark travel update about what the airlines are doing to get you to pay more for your tickets and what you can do about it.  Also, Clark has talked about how the airlines and hotels continuously devalue their miles and points. Now the credit card industry is at it as well. It looks like credit card points are going the way of the airline frequent flyer miles Airline Travel Update: Segment 1 Ask Clark: Segment 2 Travel Credit Card Points: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Thrifty Traveler - US Airlines Are Quietly Hitting Solo & Biz Travelers with Higher Fares How To Find Cheap Flights in 3 Easy Steps  /  Are Airline Miles Worth It? SeatGuru: Airline Seat Maps, Flights shopping and Flight information GOING - Plan trips. Get alerts. Fly for less Roth vs. Traditional 401(k): What's the Difference? Citi Is Devaluing ThankYou Points: Will It Impact the Double Cash Card? Best Airline Credit Cards for 2025: Are They Right For You? Should I Keep My Old Car or Buy a New Car? How To Sell Gift Cards Online for Cash Best Places To Find Free E-Books  Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 30 June 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also in this episode - Some banks & brokerages are playing games with your money. Clark discusses how to make sure you’re getting the best rate on savings.  Clark Stinks: Segments 1 & 2 Attention - Savings Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty for Your TV? Here's How Long Your Home Appliances Should Last 6 Things To Know About Series I Savings Bonds New Treasury I Bonds Yield Just Hit 4%. Are They Worth Owning? What Is Umbrella Insurance and Do You Need It? HSA - Clark.com Capital One Agrees To Major Settlement After Accusation of ‘Cheating’ Customers Best High-Yield Online Savings Accounts  High-Yield Savings Account (HYSA) Calculator Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Submit a complaint | Consumer Financial Protection Bureau Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 27 June 2025

Concerned about the economy and looking to save more, many people are turning to warehouse clubs. The price difference is real. But Clark has concerns about what his beloved Costco is up to with a new payment option he does NOT recommend. Also, the debt burden many of us carry is also very real. Clark discusses how people are working on getting out of debt.  The Warehouse Club Difference: Segment 1 Ask Clark: Segment 2 Dealing With Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Inflation-weary Americans queue for toilet paper and cheap Bordeaux Warehouse Clubs Archives - Clark Howard Why 'Buy Now, Pay Later' Worries Clark Howard What Is FedNow?  /  ⁠Clark.com Community - Paze⁠ Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option Debt Archives  //  Budgeting & Saving Archives - Clark Howard 30 Easy Side Hustle Ideas How to Make Extra Money: 35 Easy Ways How Do Student Loans Work? 7 Things to Know Is It Ever OK To Co-Sign a Loan With a Family Member? What's the Best Savings Account for a Teenager? Fidelity Investments Review: Pros & Cons How To Open a Roth IRA Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 25 June 2025

The Secret to Consistent Investing and Your Financial Safety Net for Any Market Are you tired of "FOMO Freddie" always bragging about his latest hot investment? Fiduciary financial advisor Wes Moss reveals why chasing market trends is a dangerous game and how sticking to your investment style is the key to long-term success. We'll dive into the perils of FOMO investing and show you what happens when you jump from one "best" strategy to the next. Also, Wes breaks down the critical concept of "dry powder" – what it is, why you need it, and how it acts as your ultimate financial buffer during market downturns. Learn about the different types of liquid safety assets that can protect your portfolio and give you peace of mind, no matter what the economy throws your way. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 24, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 24 June 2025

There’s a big shift going on in the housing market. Clark explains what this means for buyers and sellers.  Also, in this new era of tariffs, know what to keep in mind when purchasing a vehicle and why it’s time to rethink what you’re interested in buying. Housing Market Update: Segment 1 Ask Clark: Segment 2 Vehicle Purchase Considerations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why the Housing Market Is Stalled (and What Comes Next) ⁠How To Save for a House⁠  /  ⁠How To Buy a House in 9 Steps⁠ ⁠Buying Cars Online vs. Traditional Dealers: What To Know⁠ ⁠Report: These 10 Vehicles Are the Best for the Money in 2025⁠ ⁠New Report: The Safest Car Models for 2025⁠ ⁠How To Buy a Used Car⁠  /  ⁠How to Buy a New Car in 5 Steps⁠ ⁠When Do You Tell a Car Dealership You're Paying Cash?⁠ ⁠What Condo Owners Need To Know About Insurance⁠ ⁠6 Things To Know Before Contacting the National Foundation for Credit Counseling Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 23 June 2025

Today we celebrate Clark Howard’s birthday and the many accomplishments he’s inspired - starting with Clark’s own telling of his life’s trajectory into an ongoing mission of service. And in the second half of the podcast, a sampling of the many appreciations Clarkies sent in to celebrate him today. It may be Clark Stinks day, but on this birthday he comes out smelling like a high dollar rose bought on sale!  About Clark: Segments 1 & 2 Clark Stinks-Special BD Edition: Segments 3 & 4 Mentioned on the show: About Clark Howard Clark Howard: Habitat for Humanity Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 20 June 2025

Data centers are creating higher demand for electricity and the cost is falling on consumers. Power bills could reach record highs this summer. Clark has two recommendations to help lower your energy bills. Speaking of summer, have you planned out your vacation days yet? Clark talks about the importance of time away from it all. Home Cooling: Segment 1 Ask Clark: Segment 2 Take Your PTO!: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save Money on Utilities 7 Things Discover Cardholders Can Expect After Capital One Merger My 7 Rules for Using Credit Cards - Clark Howard How Many Credit Cards Is Too Many? How To Prevent, Report and Repair Identity Theft 5 Money Tips To Know Before You Travel Abroad Best Way To Exchange Dollars for Foreign Currency Best Credit Cards With No Foreign Transaction Fees in 2025 10 Clark Howard 'Never, Not Ever' Rules To Protect Your Money Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 18 June 2025

Secret Rule To Access Your IRA Early and Top 9 Things That Bring Joy in Retirement If you want to retire early, this rule can help! Fiduciary financial advisor Wes Moss breaks down the often-misunderstood Rule of 72(t). Discover how this IRS exception can allow you to access your IRA funds before age 59 ½ without incurring that hefty 10% early withdrawal penalty. Also, Wes dives into groundbreaking research on what truly brings joy and purpose in retirement. Wes shares surprising (and not-so-surprising) truths from his latest study of over 1,200 Americans. He reveals the top categories that consistently lead to a more purposeful and joyful post-career life. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 17, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 17 June 2025

Today - you may have heard about the boy who ordered 70,000 lollipops on Amazon. A reminder for parents to childproof devices to protect your accounts from plundering toddlers! Also, the stakes are higher now when renting a car. There’s a new inspection practice you must be aware of to protect your wallet. Childproof your devices: Segment 1 Ask Clark: Segment 2 Car Rental Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Prevent This $4,000 Oopsie From Happening to You Budgeting Basics: What You Need To Know To Get Started Free Budget Worksheet: The CLARK Method to Create a Monthly Budget Military and Veterans Guide: Free Resources for Your Finances How Long Should I Save Pictures of My Car Rental? How Can I Fight an Unfair Rental Car Charge? New Report: Best and Worst Car Rental Companies in America Cheapest Way to Rent a Car: Expert Tips How To Get a Free Credit Report The Best International Phone Plans TALK2ME 25 ULTRA MINI Portable PoC Walkie-Talkie Set Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 16 June 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also today, an easy, low tech solution to the porch pirate problem.  Clark Stinks: Segments 1 & 2 Porch Pirate Solution: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Will Social Security Run Out? Sell Stuff Online: The Best Sites and Apps Shared Equity Mortgage: Meaning, Pros and Cons, FAQs Avoid Porch Pirates With These Delivery Options From Amazon, UPS, FedEx and USPS How a Promising Home Hack Is Stopping Porch Pirates Every Time Best budget road bikes 2025 6 Things To Know About Series I Savings Bonds What Is an ABLE Account? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 13 June 2025

A CNET survey has found the average consumer is paying close to $200 more per year for internet than a year ago. Today, paying for home internet service no longer has to be expensive. New choices have emerged to help you SAVE MORE. Also, bait & switch junk fees have been rampant - on hotels, tickets, services and more. But new rules are helping to change that in some quarters. Clark shares tips for getting the full price before you make buying decisions. Home Internet Options: Segment 1 Ask Clark: Segment 2 All In Pricing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Tips To Save Money on Home Internet in 2025 Airbnb will now show total prices by default What the Rule on Unfair or Deceptive Fees means for you The 12 Best International Carry-ons, Tested and Reviewed What Is a 403(b) and How Does It Work? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 11 June 2025

Do Retirees Need To Track Stock Earnings? And This Rule Can Help You Retire Early If you're a retail investor or a happy retiree, should you be paying attention to corporate earnings? Fiduciary financial advisor Wes Moss dives into why earnings matter for both individual stock owners and index fund investors. Discover how the overall earnings of the S&P 500 influence market trends and whether you need to obsess over every quarterly report. Also, Wes breaks down the "Rule of 55," a lesser-known strategy that could help you access your retirement money sooner without penalties. Most people know about the Rule of 59 1/2, but Wes reveals the specific qualifications and conditions for utilizing the Rule of 55 with your 401(k). Learn how this rule could accelerate your path to retirement! Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 10, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:    BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 10 June 2025

In today’s episode, an ongoing concern - where should you store your cash? One of Clark’s favorite children (discount brokers) has just launched a new offering worthy of your attention. Also today, dealing with debt collectors. Some are legit, some not so much. Know what to do if the debt is indeed yours, or if it is a mistake. Clark has key information for handling collectors in a way that protects your rights and your credit.  Vanguard Cash Plus: Segment 1 Ask Clark: Segment 2 Debt Collectors: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Vanguard Cash Plus Account | Vanguard Uni - One Toll Pass. 19 States. Car Insurance Archives - Clark Howard Association for Independent Agents | IIABA How To Send a 'Drop Dead' Letter to a Collection Agency What to Do When You're Being Harassed About an Old "Zombie Debt" We’ve still got some protections against medical debt collectors National Association of Estate Planners & Councils - NAEPC What Is a Fiduciary Financial Advisor and Do I Need One? What’s the Best Way To Exchange Dollars for Foreign Currency? What Is a Backdoor Roth IRA? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 9 June 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, sunscreen is so important in the prevention of skin cancer - but how to choose? Clark shares some excellent recommendations offering protection that is both cheap and effective. Clark Stinks: Segments 1 & 2 Best Sunscreens: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Does the Brand of Gasoline Really Matter?⁠ ⁠Wills & Funerals Archives - Clark Howard⁠ ⁠Is It Ever OK To Co-Sign a Loan With a Family Member?⁠ ⁠Warning: Watch Out for This Retailer Pricing Trick⁠ ⁠CR - Best Sunscreens of 2025⁠ ⁠The Best Places To Buy Tires⁠  /  ⁠Clark.com  - TIRES Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 6 June 2025

We in the U.S. pay the highest prescription drug prices in the world, and a recent executive order takes aim at that inequity, the result of which remains to be seen. Clark explains why employee health plan drug prices through PBMs remain so high, and what you can do about it.  Speaking of prices, what’s behind the sticker shock from the price of beef these days? Clark explains. PBMs & Rx Pricing: Segment 1 Ask Clark: Segment 2 Beef Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Trump to sign executive order to cut prices of medicine to match other countries Warning: One Way You Should Almost Never Fill Prescriptions 10 Ways To Save on Prescription Drugs 7 Things To Know About Costco Pharmacy Should You Buy an Extended Warranty on Your Car? What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor What Is Umbrella Insurance and Do You Need It? US beef prices extend surge as ranchers face thinnest herds in 70 years Robinhood Review: Pros, Cons & Who Should Use It The WSJ’s Jonathan Clements Wants to Leave a Living Legacy Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 4 June 2025

Investing in Gold: Smart Move or Mistake? and Will Entry-Level Jobs Disappear? Should you own gold? How much should you own? Fiduciary financial advisor Wes Moss breaks down the data and shares his take on investing in gold to help you determine if it belongs in your portfolio. Also, the CEO of a major AI company recently said that 50% of all entry-level white collar jobs will go away over the next 1-5 years. Could this prediction be right? It’s possible. Wes explains what may happen and what we can do about it. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 3, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 3 June 2025

June signals upcoming road trips and today, Clark talks about some transportation hazards to avoid. First, when buying a vehicle, know how significant the length of the loan can be to your financial health. Also, skimming scams at gas pumps and beyond - have gotten more sophisticated. Clark shares 2 ways to protect your money. Auto Loan Warning : Segment 1 Ask Clark: Segment 2 Skimming Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are You Following Clark’s Maximum Auto Loan Length Rule? Clark.com Car Loan And Payment Calculator Bezos-backed Slate Auto reveals its new customizable $20,000 EV Can I Sell My Life Insurance Policy? USA TODAY: Tips to stay safe from skimming scams #1 Way To Protect Yourself From Credit Card Skimmers Scam Alert: Think Twice Before Scanning QR Codes 5 Things to Know About the Costco Car Rental Program Is Annual Travel Insurance Worth It? Today's Top Travel Deals Clark.com⁠ resources: ⁠Episode transcripts⁠ ⁠Community.Clark.com⁠  /  ⁠Ask Clark⁠ ⁠Clark.com daily money newsletter⁠ ⁠Consumer Action Center⁠ Free Helpline: 636-492-5275 Learn more about your ad choices: ⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 2 June 2025

Help us surprise Clark Howard for his birthday! We're collecting special wishes for Clark (it's a secret!) to celebrate his birthday on June 20th. Use this form to share your wishes for Clark: https://forms.gle/hNtmFTvqkdZc94J49 -- remember it's a secret! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, how one state plans to use controversial technology to slow down speeders. Clark Stinks: Segments 1 & 2 Intelligent Speed Assist: Segment 3 Ask Clark: Segment 4 Mentioned on the show: “Clark Stinks!” - by Son of Scotland How To Open a Roth IRA 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Use Priceline To Save on Travel What Is an HSA Account and How Does It Work? Virginia will use technology to slow chronic speeders’ cars Car Rental Insurance: Everything You Need To Know Credit Card Car Rental Insurance: What You Need To Know My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 30 May 2025