The Clark Howard Podcast

We’re starting out this holiday week talking about one of Clark’s great loves - warehouse clubs. Clark discusses how the warehouse club business model works to offer consumers lower prices & how the big three are dominating sales. Also - With AI perfecting voice cloning and all types of scams in general, there’s now a necessary step for every family to take to protect each other and help prevent scams.  The Warehouse Club Advantage: Segment 1 Ask Clark: Segment 2 Your Family Code Word: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco vs. Sam’s Club vs. BJ’s Wholesale: Which Is Best? Warehouse Clubs Archives - Clark Howard Automatic Bill Pay: How It Works and How To Do It Safely How Long Will It Take for My Credit Score To Go Up if I Missed a Payment? Why Every Family Needs a Code Word - WSJ  Is It Ever OK To Co-Sign a Loan With a Family Member? Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards 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: 24 November 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, auto thefts are down, but some vehicles are bigger targets for theft than others - and they’re probably not the models you’d expect. Do you have a car that is more likely to be stolen? Clark Stinks: Segments 1 & 2 Prevent Auto Theft: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Ditch My Southwest Airlines Credit Card? Best Airline Credit Cards for 2025: Are They Right For You? OnePay CashRewards Card: Is the New Walmart Credit Card Worth It? What Is an HSA Account and How Does It Work? CarBuzz: Hyundai And Kia Top A List They Really Don't Want To Going to college: Your guide to campus life and money How To Transfer IRA Funds to an HSA 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 November 2025

Thanksgiving is upon us and the expense can get crazy. Clark shares ways to spend less on the family feast. Later - you may be charged more when purchasing online because of the WAY you shop, among other factors. How do you know you’re getting the best price?  Clark explains “surveillance pricing”  and money saving tricks of the trade. Plus, at the very end of the podcast Clark has an important tip for Medicare Advantage plan holders. Save On Thanksgiving Dinner: Segment 1 Ask Clark: Segment 2 Savvy Shopping Online: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Aldi's Thanksgiving dinner is just $4 per person The Best Deals of Aldi's Middle Aisle in November #1 Way To Protect Yourself From Credit Card Skimmers Is a HELOC a Good Idea? The Simple Answer How To Get the Best Price Possible Shopping Online How To Use Camelcamelcamel Clark Deals - Laptops Booking a Cruise? Here Are 5 Ways To Do It for Less Don’t miss out on the early Christmas gift from your Insurance Company when your Medicare Advantage (MA) plan gets canceled.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: 19 November 2025

The Ultimate Inheritance for Your Kids and Will AI Actually Create More Jobs? In this episode, Wes Moss shares the real-life story of a couple who is wrestling with the common parental dilemma of whether to pay off their son's significant student debt. While the urge to help is strong, Wes breaks down the financial reality, explaining why protecting your own retirement is actually the greatest act of love and generational generosity you can give your kids. Also, Wes shifts gears to the economy, diving into the fear that AI is taking all the jobs. Drawing on a comprehensive World Economic Forum report, he offers a surprisingly optimistic outlook: while some existing jobs will be displaced, the creation of an estimated 170 million new jobs globally will result in a substantial net gain. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 18, 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.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Published: 18 November 2025

We are in the height of the charitable solicitation season. How do you know what charities are going to use your money in a responsible way? Clark has some guidance for making sure your charity counts.  Also, there are value wars happening in the food world that can help you spend less - IF you know how to find the deals.  Holiday Giving: Segment 1 Ask Clark: Segment 2 Fast-Food Value Wars: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Choose the Best Charities for Your Donations - Clark.com Before you donate, find out where the money is going Homeowners Insurance Archives - Clark Howard Axios: The value wars are back as big brands cut prices amid tariffs Should You Ever Buy Travel Medical Insurance? Is Annual Travel Insurance Worth It? Is Chase Sapphire Reserve® Worth It? What's the Total Value of All the Chase Sapphire Reserve® Perks? 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: 17 November 2025

Today - A form of shrinkflation is affecting toys & electronics this holiday season, but there’s something you can do about it, to save money. Also - Multiple generations living together used to be common in our country, but fell out of favor. Well, it’s back. How do you navigate having your adult kids living in your home? Battery Shrinkflation: Segment 1 Ask Clark: Segment 2 All In The Family: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Gold Is at All-Time Highs. Should You Invest? (Clark.com) My 7 Rules for Using Credit Cards - Clark Howard This Clark Howard Credit Card Rule Could Prevent a Nightmare Scenario 7 Money Mistakes You Might Be Making at the Gas Station UGMA/UTMA 529 Plans: Benefits and Drawbacks Compared to 529s Best 529 College Savings Plans By State Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Clark Howard's Simple Steps To Get Better Customer Service Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-527 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 14 November 2025

We are in a K-shaped economy again - which creates a clear trend involving a reversal in the pricing of “have to” vs. “want to" purchases. Clark shares what you need to know to stretch every dollar. And… screen addiction. Sick of it, people are tackling the problem in a multitude of ways.  Shopping In The K-Economy: Segment 1 Ask Clark: Segment 2 Just Say NO: Screen Addiction: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Is Now the Time to Get a CD or a CD Ladder? Backdoor Roth IRA: How High Earners Can Still Contribute The Best Phone Plan For You - Compare Phone Plans Should You Switch to a Flip Phone? A group of us ditched our smartphones for a month. It changed us. Why Clark Howard Wants You to Set Up a 'Financial Chromebook' How Do You Prepare for the Likelihood of Long-Term Care Costs? What's Clark's Opinion on the Greenlight Prepaid Debit Card for Kids? What's the Best Savings Account for a Teenager? What Brokerage Do You Recommend for First-Time Investors or Kids? 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: 12 November 2025

Top 10 'Overvalued' Cities and Second Act Career: A One-in-a-Million Story In this episode, Wes Moss dives deep into the housing market, revealing why it has become the most extreme buyer's market in a decade. Wes breaks down the latest data, pinpointing the top 10 "overvalued" cities that have the biggest seller-to-buyer imbalance, with some areas seeing over 160% more sellers. He also covers the updated list of the most and least expensive housing markets in the U.S. Also, Wes shares an incredible story about a one-in-a-million "second act" career. Meet Tom Cillo, a 58-year-old who is living out an unfinished purpose by playing college football. Wes shares how Tom's journey can motivate you to find fulfillment, connection, and a sense of purpose in your own "second act," proving it's never too late to pursue a dream. Mentioned on the show: WSJ - He’s 58 and Trying to Break Into College Football. Is Basketball Next? Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 11, 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.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 11 November 2025

One decision you may be working on right now is where to stay during holiday or spring travel. Clark has some key advice if you’re considering AirBnB or VRBO.   And - tomorrow is Veteran’s Day. Clark shares advice and special warnings for those who have served our country. Airbnb & VRBO - New Rules: Segment 1 Ask Clark: Segment 2 Veterans Day: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Oops, You Broke Something at an Airbnb. What Now? Clark Howard's New Airbnb Rule to You Need To Follow 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Find Cheap Flights in 3 Easy Steps Google Flights Launches New Tool for Finding Cheap Airfare Military and Veterans Guide: Free Resources for Your Finances-Clark.com Job-seeking servicemembers: Avoid scams while you search Want to support veterans? 4 tips for finding good charities Veterans and caregivers: Recognize VA benefits overpayment scams How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Best Cash Back Credit Cards With No Annual Fee in 2025 Cash Back Credit Card Calculator - 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: 10 November 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Great news - there’s a new weapon against robocalls you should have activated in your phone settings. Clark Stinks: Segments 1 & 2 Stamp Out Robocalls: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Do a Balance Transfer the Right Way Balance Transfer Calculator - Clark Howard Best Balance Transfer Credit Cards: Top Picks for 2025 Top 10 Perks of the Capital One Venture X Rewards Credit Card What’s the Total Value of the Capital One Venture X Rewards Credit Card Perks? Medicare Advantage Warning: Read This Before You Auto-Renew⁠ How Much It Will Cost To Watch Every NFL Game in 2025 How To Stop Spam Calls for Good Clark Howard's Simple Steps To Get Better Customer Service Why You Should Never Mail a Check 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 November 2025

Today - You know Clark loves competition, and there is more choice for you now in the home internet market. More providers are offering wireless internet.  Also, scams keep morphing and  proliferating. Clark discusses the patterns to recognize so you’re able to protect yourself and others.   Home Internet For Less: Segment 1 Ask Clark: Segment 2 Scam Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mint Mobile Introduces 5G Home Internet From $30/Month The Best Unlimited Hotspot Plans The Best Phone Plan For You - Compare Phone Plans 10 Ways To Save on Prescription Drugs Receive a letter from the Supreme Court? Think again, Social Security watchdog says Chinese Criminals Made More Than $1 Billion From Those Annoying Texts -WSJ DOJ seizes $15 billion in bitcoin from massive 'pig butchering' scam based in Cambodia Crypto ATM crime scene Medicare Advantage Warning: Read This Before You Auto-Renew Why Vacation Clubs Are Even Worse Than Timeshares Automatic Bill Pay: How It Works and How To Do It Safely 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: 5 November 2025

Is Your Portfolio Too AI-Heavy? and Does Social Security COLA Keep Up With Inflation? In this episode, Wes Moss shares startling JP Morgan research: just 41 AI-related stocks now account for nearly 50% of the S&P 500's weight, making the market severely overweight in a single theme. Wes offers actionable advice on how to rebalance your portfolio. Also, with the new COLA increase, Wes sets the record straight on Social Security, demonstrating that it has quietly been one of America's best inflation fighters since 1975. He examines the history of COLA adjustments and provides an honest assessment of the fear surrounding the Social Security trust fund running out, clarifying what that worst-case scenario truly means for current and future retirees. Mentioned on the show: Rule 72(t): Secret Rule To Access Your IRA Early Rule of 72 Calculator - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 4, 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.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 4 November 2025

It’s November, and holiday shopping is underway. How do you make sure your packages aren’t stolen? Also, now that we’re in Black Friday month - there’s a major hazard to avoid while purchasing online.  Thwarting Porch Pirates: Segment 1 Ask Clark: Segment 2 Warning: BNPL aka Pay In 4: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Safely Get Your Most Important Packages⁠ Avoid Porch Pirates With These Delivery Options From Amazon, UPS, FedEx and USPS⁠ How To Freeze and Unfreeze Your Credit With Experian, Equifax & TransUnion⁠ ⁠Should I Freeze My Credit With the Other Credit Bureaus?⁠ 12 Keys To Keeping Your Home Wi-Fi Network Safe and Secure Why 'Buy Now, Pay Later' Worries Clark Howard What is hospital medicine, and what is a hospitalist? 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: 3 November 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - What are the chances of full recession, what’s the extent of it  now, and how can you prepare?  There are some key steps to take.  Clark Stinks: Segments 1 & 2 Recession Planning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should I Freeze My Credit With the Other Credit Bureaus? Streaming TV - Clark.com Why You Need To Check Your Credit Report Today Credit Karma Review: Free Credit Score and More at Your Fingertips Axios:The 22 states close to (or in) recession Credit Card Balance Transfer Calculator Loan Payoff Calculator  /  Make A Budget - Clark.com 10 Ways To Save on Prescription Drugs 3 Reasons You Should Never Book a Nonrefundable Hotel Room 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: 31 October 2025

In today’s episode, Clark has an update on the housing market, and how “involuntary landlords” are benefitting tenants. Also, you may notice some changes to some restaurant menus that are good for both your wallet and your health. Housing Update: Segment 1 Ask Clark: Segment 2 Smaller Portions: Win-Win: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Submit a complaint | Consumer Financial Protection Bureau Checking monthly statements key defense against credit card hacks Net Worth Calculator - Clark.com The next big thing on menus: Smaller portions When Do You Tell a Car Dealership You're Paying Cash? Where Should You Keep Your Cash Reserve? Money Market Funds: What They Are, How They Work 18 of the Best High-Yield Online Savings Accounts in October 2025 How To Get Your Financial Affairs In Order  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: 29 October 2025

Clark Howard and Wes Moss: Is the Market Overvalued? and 401(k) Private Equity Debate Is today’s stock market dangerously overvalued — or still worth riding? In this special Ask an Advisor episode, Clark Howard and Wes Moss break down what’s driving record-high valuations, and how to stay invested without taking on too much risk. Then, the pair debate a big change coming to retirement plans: private equity in 401(k)s. Clark warns this could open the door to hidden fees and confusion for everyday workers, while Wes sees potential benefits if costs come down and transparency improves. Together, they offer a candid look at how investors can protect their savings — and their peace of mind — in an evolving market. All this and more on the October 28, 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.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 28 October 2025

Today Clark covers reward credit cards - how they profit the issuers, when they make sense for you, and when they do not.  Also, the new tax brackets are out and Clark has specific advice for you if you have the option of a Roth vs. Traditional 401(k) plan.  Reward Credit Cards: Segment 1 Ask Clark: Segment 2 Tax Brackets And 401(k)s: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: They Each Own 50 Credit Cards. Should You? seats.aero - Home  /  Point.me Best Travel Credit Cards: Top Rewards Picks for 2025 Best 2% Cash Back Credit Cards: Top Options for 2025 Citi Double Cash® Card Review: 5 Things To Know in 2025 IRS Announces New Tax Brackets and Other Changes for 2026 Roth vs. Traditional 401(k): What's the Difference? Best 529 College Savings Plans By State 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: 27 October 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, some great news -  The number of residential burglaries in the U.S. has collapsed in recent years. Clark discusses the safety measure that has made the difference.  Clark Stinks: Segments 1 & 2 Home Burglaries Down: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Shop for Lower Car Insurance How To Beat Rising USPS Costs and Delays 18 of the Best High-Yield Online Savings Accounts in October 2025 8 Things To Know Before You Fly Frontier Airlines The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report Is One Medical Membership for Prime Members Better Than a Health Concierge? CELL PHONE PLANS - Clark.com 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: 24 October 2025

You may soon be eligible for one of Clark’s favorite saving & investment accounts - The HSA. Big changes are coming to the HSA world in 2026. Also today, despite the end of EV credits, how much cheaper it is to run an EV vs a hybrid vs a gas engine car?  Clark helps you calculate what makes the most sense financially over time, when it comes to your vehicle choice.  HSA Changes: Segment 1 Ask Clark: Segment 2 EV vs Hybrid vs Gas: Segment 3 Ask Clark: Segment 4 Mentioned on the show: IRS Announces New Tax Brackets and Other Changes for 2026 Where Should I Set Up My Health Savings Account (HSA)? Reminder: The Basics of Using HSA Funds 5 Money Tips To Know Before You Travel Abroad Your Passport Could Be Useless -- Even if It's Not Expired NYTimes: How Much It Costs to Drive an E.V. and a Gas Car in Every State How To Buy a Used Car How To Refinance a Car Loan: A Step-by-Step Guide Auto Loan Refinance Calculator - 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: 22 October 2025

The Next Big Shift in Retirement Investing For decades, your 401(k) has meant stocks and bonds — but that’s about to change. Wes Moss dives into a major shift coming to retirement investing: private equity entering your 401(k). Private equity could open the door to investing in the other 87% of the U.S. economy — but should you be excited or cautious? Wes explains what this new era of 401(k) investing might really look like. Mentioned on the show: Wall Street Is Pushing Private Assets Into 401(k)s. We Asked Whether Anyone Wants Them.Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the October 21, 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®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 21 October 2025

Food prices continue to rise - and Team Clark continues to find ways to help you control those costs.  Also today, something else costing more - electricity. With winter weather on the horizon how do you keep yourself warm and avoid setting your wallet on fire? Clark discusses ways to help you use less electricity. Grocery Savings: Segment 1 Ask Clark: Segment 2 Home Power Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Save Money on Groceries: 22 Clever Ways Aldi products have a new look / Aldi rebrands its private-label products Credit Karma Review: Free Credit Score and More  /  How To Monitor Your Credit How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion How To Save Money on Utilities   /   Electrify Now Heat Pumps  /  Want a heat pump? This startup just cut the cost in half Is It Ever OK To Co-Sign a Loan With a Family Member? 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 October 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Home prices have inflated so much in recent years, and banks are luring home owners to tap that home equity like it’s a piggy bank. But what does this do to your overall wealth? Before you're tempted, hear what Clark has to say about HELOCs and home equity loans. Clark Stinks: Segments 1 & 2 Home Equity Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Term Life vs. Whole Life Insurance: Understanding the Difference 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them) What Is an HSA Account and How Does It Work? Where Should I Set Up My Health Savings Account (HSA)? Report: 10 Used Cars With Big Price Drops HELOC vs. Home Equity Loan: Similarities and Differences Home Equity Loan Calculator - Clark Howard Is a HELOC a Good Idea? The Simple Answer How To Buy a House in 9 Steps What to know about online purchases and tariffs 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: 17 October 2025

Today, Clark updates holiday airfare booking strategy - and discusses high fee travel credit cards. How do you know when they’re worth it? Also - Medicare Open Enrollment time brings a Clark warning about “disadvantage” plans and why you need to study your options this year.  Holiday Flights & Travel Cards: Segment 1 Ask Clark: Segment 2 Medicare Open Enrollment: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Deadline to Book 2025 Thanksgiving and Christmas Flights (and Other Holiday Travel Tips) Best Travel Credit Cards: Top Rewards Picks for 2025 American Express Platinum Card® Review: Is It Worth It? American Express Platinum Card® vs. Chase Sapphire Reserve®: Which Is Right for You? Citi Launches 2 New Credit Cards to Expand on Travel Rewards Ecosystem Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 OnePay CashRewards Card: Is the New Walmart Credit Card Worth It? Medicare: 10 Things To Know Why I Think Medicare Advantage Plans Stink - Clark Howard Open Enrollment: Why You Can’t ‘Set It and Forget It’ This Year Should I Freeze My Credit With the Other Credit Bureaus? Ooma VoIP Phone Service for Business and Home 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: 15 October 2025

Bull Market Turns 3: Can It Keep Going? and the Truth About Feeling Financially “Set” We’ve hit the three-year mark of this bull market — stocks are up, dividends are strong, and history tells us there could still be room to run. But what happens next? Wes Moss breaks down the data and explains what history says about how long bull markets typically last — and why patience and balance matter most right now. Also, Wes explores what it really means to be financially “set” — and why that doesn’t always mean being settled. Whether you have $100,000 or $10 million, peace of mind comes from having a plan — and revisiting it often. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the October 14, 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®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Published: 14 October 2025

In today’s episode - do you consider steaming TV as a monthly essential? You won’t believe how many of us do. So how do you spend less to watch your favorite shows?  And later - does certified pre-owned actually mean anything when you’re considering a used vehicle purchase? Clark explains how the CPO program began, and how it’s become very problematic. Your Streaming Costs: Segment 1 Ask Clark: Segment 2 CPO Vehicles: Segment 3 Ask Clark: Segment 4 Mentioned on the show: STREAMING TV - Clark.com What Disney’s New Price Hikes Mean for Your Favorite Streaming TV Bundles Best Free Streaming Services in 2025: Movies and TV for Cord Cutters 4 Things To Know Before You Buy a TV Antenna Clark Howard Is Making These Changes to His Streaming TV Strategy How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Certified Pre-Owned Vehicles: What You Need to Know Before You Buy Should You Buy an Extended Warranty on Your Car? Are Car Wash Memberships Worth It? 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 October 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Football season means Clark is back to watching TV, and he’s got clarification on some offers in ads you’re likely seeing too.  Clark Stinks: Segments 1 & 2 “FREE” Phones? Not Really: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Things To Know Before You Buy a TV Antenna How To Watch Local Channels Without Cable Report: The Most Affordable Places To Live in America 5 Money Mistakes To Avoid When Traveling Best Way To Exchange Dollars for Foreign Currency & When To Exchange 5 Money Tips To Know Before You Travel Abroad Why You Should Never Use a Debit Card To Pay for Anything The Best Phone Plan For You - Compare Phone Plans Should you ever get a "free" phone from a wireless carrier? How To Monitor Your Credit   /   How To Get a Free Credit Report How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is an HSA Account 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: 10 October 2025

There’s a clear trend in how people are shopping today. Consumers of all income levels are seeking out bargains, changing where and how they buy everyday goods - a Clark smart reaction to inflation & tariff effects. Also today - You may need a cure for what ails you, but don’t trust medical ads you see online. Scammers are using AI and other manipulative tools to pitch FAKE healthcare products that appear to be endorsed by medical professionals. Financial and physical harm can result.  Mindful Shopping: Segment 1 Ask Clark: Segment 2 Fake Medical Ads Online: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Axios: Dollar General shows even the affluent are seeking bargains 80-10-10 Mortgage: Meaning, Benefits and Examples The Secret to Avoiding PMI and 20% Down? A Piggyback Loan NYTimes: The Doctors Are Real, but the Sales Pitches Are Frauds What Is an HSA Account and How Does It Work? The Lancet | The best science for better lives Virtual Credit Cards: An Online Security Measure Worth Taking? 5 Things To Do Before You Sign Up for a Free Trial 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 October 2025

Is Inflation Good or Bad for the Market? and the $5 Million Dollar American Dream The market loves a "Goldilocks" environment, but what is the magic number for inflation that delivers the highest stock returns? Wes dives into the data to show how inflation rates directly impact your portfolio. Also, Investopedia put a price tag on the American Dream, but Wes has a reality check. Find out what you need to earn over your working career to afford a home, raise kids, pay for college, and reach the "Green Zone" in retirement. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the October 7, 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®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 7 October 2025

In today’s show - a recent Tik Tok video claimed to show young people how to set themselves up to have $4 million at retirement - with some help from their parents in early adulthood. But how can you actually tell how much you’re going to have in retirement? We have a new tool that can help.   Also today - There ARE answers to the housing shortage. The technology is there. Clark has always been interested in innovative ways to modernize the way we build housing in the U.S. and shares some promising developments. Calculated Retirement Saving: Segment 1 Ask Clark: Segment 2 Innovative Affordable Housing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Investment Growth Calculator - Clark.com How To Retire a Millionaire With a 401(k) Plan in 19 Years How To Use an IRA To Become a Millionaire  /  How To Open a Roth IRA 5 Vacation Scams To Avoid This Travel Season Why Clark Says Everyone Should Have a Dash Cam This Brooklyn apartment complex was built like a Lego set Why Clark Says Prefabricated Housing Is The Future These former Amazon robotics executives just landed $20 million to tackle the housing crisis ⁠/  ⁠Axios:Sweaty paint⁠ To spur construction of affordable, resilient homes, the future is concrete Target Date Funds: Clark's Favorite Retirement Investment Invest & Retire  /  Fidelity Investments Review: Pros & Cons Best 529 College Savings Plans By State 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 October 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark goes pass wild with Frontier - and shares an important warning for air travelers who do something Clark will not do - check a bag. Clark Stinks: Segments 1 & 2 The Bag Tag Scam: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 3 Reasons You Should Never Book a Nonrefundable Hotel Room What Is Umbrella Insurance and Do You Need It? Travel Insurance Checklist: 5 Types of Coverage To Consider Airport Worker Reveals Growing Luggage Tag Scam Targeting Travelers Should I Buy an AirTag for My Checked Airport Luggage? How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Chase Sapphire Preferred® Travel Card Review Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Clark's Updated Way To Shop for Car Rental 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: 3 October 2025

Today, we reprise Clark’s interview with beloved colleague Jonathan Clements  from October 8, 2024. He had, and still has much to teach us all. An Honest Conversation About Death and Finance With Jonathan Clements Special Edition - Clark welcomes longtime friend and colleague, Jonathan Clements. A London born Cambridge University graduate, financial writer Jonathan Clements is the founder and editor of HumbleDollar.com and author of "From Here to Financial Happiness," "How to Think About Money" and seven other books. His vast experience and contributions include serving as financial education director and teacher in various capacities, and as the personal finance columnist for The Wall Street Journal. Mentioned on the show: Jonathan Clements, Longtime WSJ Columnist, Dies at 62 Saying Goodbye to the WSJ's Jonathan Clements Five Pearls of Wisdom From a Legend of Financial Writing HumbleDollar: Home   /   Humble Dollar - The C Word NY Times - A Money Guru Bet Big on a Very Long Life. Then He Got Cancer. Washington Post - Opinion Living was easy. Dying is harder. The WSJ’s Jonathan Clements Wants to Leave a Living Legacy Living Will and Durable Power of Attorney: Frequently Asked Questions Wills & Funerals Archives - Clark Howard Have a Kid in College? You Need These Legal Documents in Place 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 October 2025

In this episode, football is in full swing, and so is something very troubling. People are losing enormous amounts of money on electronic gambling. Clark discusses how the nature of modern gambling can increase the risk of gambling addiction, and steps to take if this is a concern.  Also - How accurate are credit reports by the 3 credit bureaus? What you don’t know about your credit report can hurt you. A Clark assignment. Sports Gambling: Segment 1 Ask Clark: Segment 2 Credit Report Accuracy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Resource: Pause Before You Play Best Online Banks: Free Checking and High-Interest Savings Accounts How To Buy a Used Car How To Get a Free Credit Report Credit Karma Review: Free Credit Score and More at Your Fingertips How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Why Clark Howard Wants You to Set Up a 'Financial Chromebook' How To Bring an Old Laptop Back to Life for Free 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 October 2025

The Crucial Financial Conversation Everyone Needs To Have NOW and Brand New Money Rule When was the last time you talked to a family member or loved one about your finances? Wes shares an important financial conversation warning that stems from a tragic and immediate crisis. Wes explains how a simple, 30-minute conversation could have prevented weeks of crippling anxiety – and what you need to do ASAP to prepare yourself and your family. Also, there’s a brand new money rule of thumb: The 0.01% Rule. Clark's listeners are famous for their frugality, but Wes argues there's a tipping point where we spend too much energy worrying about small expenses. This mathematical rule helps you decide when to open your wallet without regret. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 30, 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®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 30 September 2025

It’s almost time to choose health insurance for 2026 and there are some significant changes coming with medical care. Clark has important info you need to know ahead of making your elections for open enrollment.  Also, interest rates are up in the air right now.  Is now a good time to open a CD and/or CD ladder with predicted interest rate cuts?  Clark offers a defensive strategy for the money you save.  Attention: Open Enrollment Changes: Segment 1 Ask Clark: Segment 2 CD Laddering : Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Health Care Costs for Workers Begin to Climb Spot Health Insurance Scams | Consumer Advice Is it health insurance or a medical discount plan? More employers adopting ICHRAs, giving workers money to buy their own health insurance Why Clark Howard Switched His Cell Phone Service After 18 Years With T-Mobile Internet Price War: Why Now Is a Good Time To Threaten To Cancel Wirecutter: How to Avoid a Huge Customs Bill on a Cheap Online Order What Is a CD Ladder and When Is It a Good Idea? CD Ladder Calculator - Clark.com 17 New Cell Phone Deals in September SIM Card Swapping: The Dangerous Cell Phone Scam Why You Need To Lock Your Phone Number Today 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: 29 September 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, has Prime membership reached its peak? Clark discusses Amazon Prime, including why & how they’re ending a family sharing program. Clark Stinks: Segments 1 & 2 Amazon Prime Change: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Much It Will Cost To Watch Every NFL Game in 2025 4 Things To Know Before You Buy a TV Antenna What Is a 403(b) and How Does It Work? Why You Should Never Use Roadside Assistance What Is an HSA Account and How Does It Work? Report: Automakers With the Most and Fewest Recalls The Verge: Amazon ends shared Prime free shipping outside your home Is Amazon Prime Worth It? STREAMING TV - Clark.com 3 Financial Documents Everyone Should Have by Age 18 Why You Need To Talk to Your Family About Your Estate Before You Die How To Make Your Online Accounts Accessible When You Die 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: 26 September 2025

How much do you really need to retire? That is the golden question, and of course the true answer is “it depends.” If you’re worried you haven’t saved enough, new data shows the state you reside in can be a big factor in determining your goal.  Also today - We’ve seen so much inflation in the restaurant industry, but now there’s good news for consumers. Fast food restaurants are in a heated battle to offer more deals, and Clark tells you the best way to pay less. State Of Retirement: Segment 1 Ask Clark: Segment 2 Fast Food Discounts Return : Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Minimum Savings You Need To Retire in All 50 States Why You Should Never Mail a Check 10 Best Free Checking Accounts in 2025 Why You Should Never Use Roadside Assistance What Is a C.L.U.E Report and Its Impact on Your Insurance How to Dispute Your C.L.U.E. Report A wave of significant menu changes is reshaping fast food What Is Umbrella Insurance and Do You Need It? Who Should Consider Setting Up a Trust? 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: 24 September 2025

What a Fed Rate Cut Means for Your Money and #1 Financial Fear (and How To Beat It)The Fed just cut rates. What does this mean for your money? Wes breaks down what the latest Fed rate cut means for your personal finances. He discusses how a drop in rates impacts everything from mortgage rates and the housing market to your investment portfolio. Plus, Wes shares his insights on the biggest financial fear for many Americans and offers a simple solution to gain clarity and peace of mind. Mentioned on the show: Rule 72(t): Secret Rule To Access Your IRA Early Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 23, 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®  /  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 23 September 2025

Today Clark talks about the new Robinhood experience. A pioneer of free stock trading,  Robinhood is looking to build real relationships with investors. Clark discusses how Robinhood Gold works, with incentives aligned to savings. Later in this episode - when was the last time you went to a movie theater? The world’s largest movie chain is doing membership off-peak pricing on certain weekdays. Just be aware of the price perils within the theater!  Robinhood Investing: Segment 1 Ask Clark: Segment 2 At The Movies: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Is Robinhood Gold Worth It? UGMA/UTMA 529 Plan: Definition, Pros & Cons vs. Traditional 529 Best 529 College Savings Plans By State My Neighbor’s Dead Tree Is About To Fall on My House. What Do I Do? AMC’s 50% discounts are here. Will it help revive the movie industry? When Should You Pay Off Your Mortgage Instead of Investing? Early Mortgage Payoff Calculator Vanguard Personal Advisor Review 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 September 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Something else that stinks? Finding rats in a hotel room! Clark explains why the name on the building is no longer a guarantee when it comes to hotel chains - and how you should approach booking. Clark Stinks: Segments 1 & 2 Devalued Hotel Brands: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an Annuity, and Why Does Clark Think They Stink? How Two Clark-Approved Annuities Can Reduce Retirement Stress How To Get a Gym Membership for Practically Free Charles Schwab - What is a variable annuity? View from the Wing: Guest Pulls Out Marriott Sofa Bed, Finds Rotting Baby Rats — Compensation Denied 3 Reasons You Should Never Book a Nonrefundable Hotel Room About Elliott Advocacy 5 Best Credit Card Bonuses and Recommendations in September Best Credit Card Sign-up Bonuses 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: 19 September 2025

A stressful, burdensome price pressure squeeze play - this describes housing costs today. So potential homebuyers have much to consider. Clark talks through how to think realistically about the real cost of home ownership. Also today, the first way to stretch a dollar is to shop second hand. A simple reminder to explore a wider area of where to buy used near you!  True Cost Of Home Ownership: Segment 1 Ask Clark: Segment 2 Thrifting Is Brilliant: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The 28% Rule for Housing: Does It Still Work in Today’s Market? 4 Things To Know Before You Buy Renters Insurance Best Credit Cards for Students: Top Picks for 2025 What Brokerage Do You Recommend for First-Time Investors or Kids? Fidelity Investments Review: Pros & Cons Thrifting is still big business, according to Pinterest Pawn shops: The surprising shopping destination 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: 17 September 2025

5 Pillars of Investing (Good Times and Bad) and How To Pay 0% on Capital Gains Investing in today's world can feel complicated, but it doesn't have to be. Fiduciary financial advisor Wes Moss breaks down the "5 Pillars of Investing" for both good times and bad. Also, he shares a powerful strategy to potentially pay 0% on your long-term capital gains, based on new tax law changes. Mentioned on the show: The 4% rule is now the 4.7% rule. Here's why that matters. There’s a ‘golden opportunity’ to pay 0% capital gains under Trump’s ‘big beautiful bill,’ experts say Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 16, 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®   Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 16 September 2025

In today’s show, crooks are finding new, sophisticated ways to get into your accounts. There are risks with voice ID, 2 factor authentication, spoofing, pretexting and more. Clark shares ways to protect yourself.  Also, how do you “futureproof” your career with so many changes coming from AI, robotics and more? Clark discusses the value of looking ahead, enhancing your skillset, and asking “what’s next” jobwise.   Guard Your Accounts: Segment 1 Ask Clark: Segment 2 Futureproof employment: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Need To Lock Your Phone Number Today Vanguard Account Security - Spotting and stopping more sophisticated scams Lawsuit Claims Zelle Security Lapses Cost Over $1 Billion in Fraud: What You Need to Know How to outfox financial scammers What Is an HSA Account and How Does It Work? What Is a Flexible Spending Account? 8 Retirement Catch-Up Secrets for Savers 55+ 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 September 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, Empowerment in Action: Our team has developed a new tool to help you make one of life’s largest purchase decisions - exclusively at Clark.com Clark Stinks: Segments 1 & 2 Car Cost Calculator: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Can I Safely Use for Peer-to-Peer Payments? Why You Need To Lock Your Phone Number Today Best 529 College Savings Plans By State 5 Money Tips To Know Before You Travel Abroad The Total Cost of Buying Cars (Calculator) Clark.com How Much Car Insurance Do I Need? 10 Ways To Save Money on Car Insurance Will I Get a Better Deal on a Car By Financing or Paying Cash? 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: 12 September 2025

In this episode - a Federal sweep has revealed how transactional crime rings have engineered a common scam that is emptying accounts. Clark shares the warning and tells you how to avoid having your credit or debit card information stolen. Also, electricity rates are skyrocketing, but we are not sitting ducks. A breakthrough in self-install solar is becoming more mainstream. Avoid Skimmer Scams: Segment 1 Ask Clark: Segment 2 Self-Install “Balcony” Solar: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Protect Your Money From Sneaky Card Skimmers Chase Sapphire Preferred® Card Review: Travel Card Credit Card Car Rental Insurance: What You Need To Know Why You Should Keep Old Credit Card Accounts Open How and When To Cancel a Credit Card Axios: Electricity costs rise amid data center boom Can’t put solar panels on your roof? Plug-in ‘balcony solar’ may be for you. Homeowners Insurance 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: 10 September 2025

What Really Drives the Stock Market and Why Even Perfect Estate Plans Fail Have you ever wondered why the stock market seems to be doing great while the economy feels just... okay? In this episode, fiduciary financial advisor Wes Moss explains why the stock market often tunes out economic "noise" like geopolitical events and rising unemployment. He reveals the number one thing that drives stock performance -- and it's not what you think. Also, you've done all the right things: created a will, set up a trust, and made your wishes clear. So why do so many estate plans -- even those of celebrities like Jimmy Buffett -- end up in messy family feuds and court battles? Wes has the answer. Mentioned on the show: The Rule of 55: What Is It, How It Works Rule 72(t): Secret Rule To Access Your IRA Early Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 9, 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®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcribed - Published: 9 September 2025

New data shows the value of automatic savings into retirement plans - and the consequence of not having a plan.  So if you don’t have access through work, start one yourself. Your map to retirement - Clark says let’s get on it! Your future self will surely thank you. Plus, a simple audit of your checking and credit card accounts is in order. Clark has something specific for you to look out for. Retirement-Automatic Is KEY: Segment 1 Ask Clark: Segment 2 Subscription Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 1 Million Workers Have Saved $2 Billion in State Automated Retirement Savings Programs How To Open a Roth IRA   //   Clark.com - Invest & Retire 6 Things To Know About Series I Savings Bonds The Best Phone Plan For You - Compare Phone Plans Is Medical Tourism Right for You? How To Manage Your Monthly Subscriptions To Save Money How Fidelity's Credit Card Rewards Just Got Even Better How Landlords Can Check a Tenant's Credit Report 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 September 2025

Today Clark addresses meme stocks and crypto schemes appearing on social media. An old scam in a new era is ripping people off big time, with the lure of finding a shortcut to wealth. Also -  Booking travel at a time of instability in the industry means you could get ripped off. Clark tells you how it goes down, and has expert advice to help protect your money when booking. The Pump & Dump Con: Segment 1 Ask Clark: Segment 2 Safe Travel Booking: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  ‘I almost fell off my chair’: Investors lose billions on meme stocks as ‘pump and dump’ scams multiply Car Insurance Archives - Clark Howard What Is Umbrella Insurance and Do You Need It? Would you book a ticket on a dying airline? How To Plan a Trip: Clark's Best Travel Tips To Save Money Google Flights Launches New Tool for Finding Cheap Airfare 3 Reasons You Should Never Book a Nonrefundable Hotel Room 4 Fastest Ways To Improve Your Credit Why 'Buy Now, Pay Later' Worries 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: 5 September 2025

Today - How Clark saved money solving his streaming dilemma just in time for football season. Also, paying for skilled nursing, assisted living, memory care and long-term care facilities only gets more costly & complicated. Clark has a warning for those trying to navigate the system.  Streaming Update: Segment 1 Ask Clark: Segment 2 Senior Facility Payment Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard Is Making These Changes to His Streaming TV Strategy Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels Is the New Sling Select Subscription Tier Worth It? Clark.com - Streaming TV  /  How To Watch Local Channels Without Cable 4 Things To Know Before You Buy a TV Antenna Making Sense of the Disney, ESPN, Hulu and NFL Streaming TV Headlines 5 Things You Should Re-Shop To Save Money 3 Reasons You Should Never Book a Nonrefundable Hotel Room Automatic Bill Pay: How It Works and How To Do It Safely  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: 3 September 2025

The Power of Dividend Growth Explained and Is the Midwest the Next Silicon Valley? Should we fall in love with dividends? Fiduciary financial advisor Wes Moss tackles the classic debate of stocks versus bonds with a deep dive into the power of dividends. Using data going back 45 years to 1980, Wes reveals how an investment in the S&P 500 would have dramatically outperformed bonds, with dividends growing by an incredible percentage. Also, Wes shares a fascinating look at the future of American manufacturing. He draws a comparison between the 1950s and today, highlighting the huge growth in productivity and innovation. Wes argues that the next big frontier for economic growth might not be in Silicon Valley, but in the heart of the Midwest, thanks to modern-day "George Jetsons" and a renewed focus on high-tech manufacturing. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 2, 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: 2 September 2025

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, the high cost of REAL health insurance is driving a surge in low cost health “coverage” being pitched to both individuals and small businesses - plans that are either bad, or worse, total scams. Clark Stinks: Segments 1 & 2 Bogus Healthcare Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an HSA Account and How Does It Work? Where Should I Set Up My Health Savings Account (HSA)? What Is a Flexible Spending Account? How Do You Prepare for the Likelihood of Long-Term Care Costs? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Travel Insurance Checklist: 5 Types of Coverage To Consider SCORE - For The Life Of Your Business Looking for health insurance? Make sure that’s what you’re getting Term Life vs. Whole Life Insurance: Understanding the Difference How To Buy Term Life Insurance in 7 Easy Steps What Is a 403(b) and How Does It Work? /  403bWise.org How To Open a Roth IRA  /  What Are Index Funds?  Best Investment Companies for Investors 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: 29 August 2025