Episodes

  • The job market has been a crazy ride over the past several years, and job hopping has become commonplace. But is it still a good idea to chase higher pay? How important is stability and loyalty now? Also today - An old idea by legacy retailer Sears, which sold over 70,000 mail-order homes between 1908 and 1942, has resurfaced. Hear how Home Depot is getting in on the affordable housing market.

    Job Stability: Segment 1

    Ask Clark: Segment 2

    House Building Kits: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Does it still pay to change jobs as salary strategies shift?

    Here's how salary offers are trending for job hoppers as pay settles into 'new regime'

    The job market has hit a new normal. Here's why everyone hates it.

    The Cheapest Cars to Insure in 2024

    What Are the Cheapest Cars To Insure? (2024 Cost Guide)

    Robinhood Gold Credit Card: Is It Worth It?


    Housing market affordability is so strained that Home Depot is selling tiny homes for $63,000  

    Sears Modern Homes

    Cancel for Any Reason Trip Insurance: Should You Buy It?

    What should travelers do with all these cruise credits?


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, If you love cruising, good news. An old way to get really cheap cruise prices at the last minute is making a comeback. 


    Clark Stinks: Segments 1 & 2

    Cruise Deals: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    The Best Place To Buy a Mattress

    The Platinum Card® from American Express Review: Is It Worth It?

    Target Is Rebranding Its Credit Card Program: What You Should Know

    NYTimes: Standby Cruising: A New Option for Bargain Seekers

    Kyte Review: Why a Travel Expert Is Impressed by This New Car Rental Service

    Turo: 5 Things To Know About the Cheap Car Rental Service

    What Is a Bridge Loan and How Does It Work, With Example

    New to volunteering? A How-To-Guide to find the right fit


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  • Right now in the U.S. we have record credit card debt, a huge stressor on so many.  To add insult to injury, supposed credit repair companies make things worse for those struggling to get back on their feet. What you need to know.  Also, Clark translates the scare stories out now about the stock market and offers direction for investors.   

    Debt Relief Scams: Segment 1

    Ask Clark: Segment 2

    Investing & Dollar-Cost Averaging: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Americans’ credit scores are falling. That hasn’t happened in a decade

    Maxed Out: Inside America's Credit Card Debt Crisis -- and What We Do Next

    NYTimes: Judge Blocks Debt Settlement Company From Resuming Operations

    Carrying credit card debt? How to avoid debt relief scams

    How To Send a ‘Drop Dead’ Letter to a Collection Agency

    6 Things To Know Before Contacting the National Foundation for Credit Counseling

    Clark Howard's 2024 Credit Card Debt Elimination Strategy

    Is an HSA the Best Way To Save for Future Medical Expenses?

    Will Social Security Run Out?

    Should investors keep riding the US markets runaway train?

    Barrons.com: Worried About Investing in a Frothy Market? Try Dollar-Cost Averaging.

    Should You Sell or Stay Put in the Stock Market? (Clark.com)

    Best Investment Companies for Investors in 2024

    5 of Clark Howard's Most Extreme Frugal Hacks


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  • Today - How the recent credit-card settlement affects merchants and your future transactions.  Also, do you need the latest greatest television? Clark explains why buying the latest TV technology is a waste of money.

    New Credit Card Rules: Segment 1

    Ask Clark: Segment 2

    Cheap TVs Are Clark Smart: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    NYTimes: Credit Card Swipe Fees Are Going Down. Are Points Going With Them?

    Visa, Mastercard credit-card settlement could save businesses billions

    Visa, Mastercard settle long-running antitrust suit over swipe fees with merchants

    Is an HSA the Best Way To Save for Future Medical Expenses?

    Why Clark Says Everyone Should Have a Dash Cam

    NYTimes: Tired of Streaming? Free Blockbuster Libraries Offer an Alternative.

    AAA IDP International Driving Permit


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  • Clark recommends renting in a new city or state before you buy there, and has a great example of why to share with you. Also, Clark is very happy to report that the used clothing market is growing 7 times faster in the U.S. than the new market. Buying used is a great way to Spend Less!

    Rent Before Buying In New Locale: Segment 1

    Ask Clark: Segment 2

    Secondhand Clothing A WIN: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    New York Post: Florida transplants fleeing in droves over relentless heat, damaging hurricanes

    The home insurance market is crumbling. These owners are paying the price

    The $10 Travel Essential Clark Howard Always Packs

    5 Best Robo-Advisors in 2023

    Who Should Use a Robo-Advisor?

    Secondhand clothing stores are red hot as consumers look to save money

    Clark.com  -  CELL PHONES

    Best Investment Companies for Investors in 2024

    10 Best Free Checking Accounts in April 2024

    Fidelity Investments Review 2023: Pros & Cons

    Team Clark Guarantee - Clark Howard


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  • Clark recently talked about GM selling off driving data to auto insurers, and 2 of his predictions about this have now come true. That update plus - another invasion of privacy by the insurance industry has come to light, this time impacting homeowners. Also today, college costs continue to skyrocket. Clark explains how this has come about, and what today’s students can do about it.

    Insurance Spies: Segment 1

    Ask Clark: Segment 2

    College Costs: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    GM faces 2nd lawsuit over driver data collection without consent - from Detroit Free Press

    Insurance companies are using aerial images of homes as a tool to ditch properties seen as higher risk

    Predatory Lending: How to Avoid, Examples and Protections

    Should I Keep My Old Car or Buy a New Car?

    The Average Vehicle Age in America

    Some Colleges Will Soon Charge $100,000 a Year. How Did This Happen?

    College will cost up to $95,000 this fall. Schools say it's OK, financial aid can numb sticker shock

    Biden seeks student debt relief for millions

    How Do Student Loans Work? 7 Things to Know

    How To Open a Roth IRA

    Amazon “Prime Visa” Card Review: 5% Back for Amazon Prime Members

    A better way to book with points

    Best Rewards Credit Cards: Top Picks for 2024

    Best 2% Cash Back Credit Cards: 8 Options in 2024


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Speaking of Fridays - working hard or hardly working? There’s a trend of workers cutting out early on Fridays, and it’s not necessarily a bad thing. 


    Clark Stinks: Segments 1 & 2

    Flexible Fridays!: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Clark.com - TIRES

    The Basics of Municipal Bonds


    Travel Archives - Clark Howard / 

    Travel Archives - Clark Deals

    We’re Working Less on Fridays, and That’s OK - The Wall Street Journal.

    Guide to 529 Plans, Saving for College and Financial Aid

    Rollovers From a 529 Plan to Roth IRA: What to Know

    Balanced Fund: Definition, Investment Mix, Examples


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  • Dollar stores and other discounters are reconfiguring. Clark clears media confusion surrounding closures and discusses what makes some discount retail operations more successful than others. Also - If you want job stability with a pension, this job sector wants you!

    Dollar Store Closures: Segment 1

    Ask Clark: Segment 2

    Who Offers A Pension?: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Dollar stores are shutting down across America. They did this to themselves

    99 Cents Only Stores to close all 371 spots in 'extremely difficult decision,' CEO says - USA TODAY

    Dollar Tree Raises Max Price to $7: Which Items Will Cost More?

    Clark Howard's 5 Money Tips for Couples

    How to Freeze Your Child's Credit

    Research shows federal workers are effective and committed, not subversive — The Conversation

    [The Washington Post] The government has a workforce crisis. One of its best-kept secrets can fix it.

    Portfolio Lender: Meaning, Overview, Pros and Cons


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  • Clark updates EV deals with Tesla now in the mix. Also, what to know about digital wallet options including Paze, a new entry from the big banks.

    Tesla Deals: Segment 1

    Ask Clark: Segment 2

    Digital Wallets: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    What’s wrong with Tesla?

    [The Washington Post] Ready or not, self-driving semi-trucks are coming to America’s highways

    Should You Take Your Pension in a Lump Sum or Monthly Payments?

    Pension Benefit Guaranty Corporation: Home Page

    Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit

    Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option

    The Family Digital Wallet Is A $26 Billion Deposit Opportunity For Banks

    NYTimes: The Youths Have Spoken: Wallets Are Lame. Go Digital.

    Millions of small businesses have a new reporting requirement. Here's what to know.

    Bogleheads Investing Advice and Info


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  • Often at checkouts, we’re asked to donate to a cause by rounding up our payment or contributing one dollar. How do you decide when to give? Also, as a result of giant hospital systems buying up practices, you may be charged a significant “facility fee” at doctors appointments. Be ready by asking the right question in advance. Plus, out-of-network charges are being manipulated by private equity, costing patients more.

    Checkout Charity: Segment 1

    Ask Clark: Segment 2

    Medical Facility Fees: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    How To Choose the Best Charities for Your Donations

    What's the Best Way To Donate to a Charity?

    That spare change you donate at checkout is adding up to millions for charities

    A Simple Trick To Paying Off Your Credit Card Faster

    How To Open a Roth IRA


    This Small U.S. City Was Just Named the Best Place to Retire With No Savings.

    The Best Places to Retire in the World

    Hospitals Are Adding Billions in ‘Facility’ Fees for Routine Care - The WSJ

    NYTimes: In Battle Over Health Care Costs, Private Equity Plays Both Sides

    NYTimes: Health Insurers’ Lucrative, Little-Known Alliance: 5 Takeaways

    NYTimes: Insurers Reap Hidden Fees by Slashing Payments. You May Get the Bill.

    What Is a Backdoor Roth IRA?

    CarEdge | Buy, Sell, and Protect New & Used Cars - CarEdge


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  • Clark discusses filing an extension and what to do if you don’t have the money to pay income taxes. Also, many of us are dealing with sky-high valuations of our property, and Clark has a personal story to tell.

    Filing A Tax Extension: Segment 1

    Ask Clark: Segment 2

    Property Tax Appeals: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Tax return extensions: Why you should (or shouldn't) do it and how to request one

    When Are Taxes Due? Important Tax Dates in 2024

    The IRS has 940,000 unclaimed tax refunds from 2020 that are about to expire. Is one of them yours?

    Advice | IRS has $1 billion in 2020 tax refunds. Time is running out to collect.

    AT&T Reset 7.6 Million Customers’ Passcodes After Data Breach - The WSJ

    NYTimes: AT&T Resets Millions of Passcodes After Customer Records Are Leaked

    Everything to Know About the Alleged AT&T Data Leak: What You Can Do to Protect Yourself

    How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion

    Best 529 College Savings Plans By State

    What Brokerage Do You Recommend for First-Time Investors or Kids?

    The ‘Echo Housing Boom’ is here

    3 Places You Should Never Invest Your Money

    What Is a Fiduciary Financial Advisor and Do I Need One?

    How To Open a Roth IRA

    Best Investment Companies for Investors in 2024


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. And today Clark revels in listener reprobation for his rank, malodorous missteps on a slew of topics - for the entire podcast. Ah the smell of it!
     
    Mentioned on the show:

    Best Rewards Credit Cards: Top Picks for 2024

    Reps demand answers to U.S. Postal Service delays across state, country

    Want To Guard Your Privacy Online? Search the Web With DuckDuckGo

    Best Travel Credit Cards: Top Rewards Picks for 2024

    American Express Credit Cards

    Clark Predicts Traditional 401(k)s, IRAs Will Cease To Exist Within a Decade

    Target Drive Up Review: How Target Grocery Pickup Works

    How Do Student Loans Work? 7 Things to Know

    Follow Clark Howard's #1 Rule To Travel Cheap

    5 Things To Know Before You Buy Costco Clothes

    When Is the Best Time To Collect Social Security?

    Will Social Security Run Out?

    My Social Security: The Free Account Everyone Needs To Set Up Before Retirement


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  • Today Clark shares an important warning for anyone who has a relative or friend in a nursing home, assisted living, hospital or any other medical facility. Also - Self-checkout seemed like a great idea, until stores realized how much theft was occurring. Expect to see some changes in this area. 

    Medical Facilities Payment Scheme: Segment 1

    Ask Clark: Segment 2

    Retail Self-Checkout: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Why a financial regulator is going after health care debt

    3 Things to Know Before You Lease a Car

    TrueCar | New & Used Cars for Sale | Car Pricing & Reviews

    Electrek | EV and Tesla News, Green Energy, Ebikes, and more

    Carfax Electric Car Lease Deals

    Which Are The Cheapest Electric Cars To Lease?

    How to Shop for Lower Car Insurance

    Best Auto Insurance Companies and Some of the Worst

    Best And Worst Homeowners Insurance Companies

    Submit a complaint | Consumer Financial Protection Bureau

    New York Post: Target to limit self-checkout to 10 items as stores trend away from the technology amid concerns of theft

    New York Post: Dollar General drops self-checkout at hundreds of stores to reduce theft

    5 Reasons Sam's Club Is Better Than Costco

    Getting a Ton of New Credit Card Offers? Here’s What You Need To Do

    Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus?


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  • The membership business model has overtaken retailers large and small. Clark compares offerings from Target, Walmart, Amazon and 2 warehouse clubs, with a directive for consumers. Also, as if timeshares aren’t bad enough, organized crime is now getting into the resale scam game.

    Retail Memberships: Segment 1

    Ask Clark: Segment 2

    Cartels Target Timeshares: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Barrons: Delivery Is Retail’s New Game. How the Players Stack Up.

    Target Is Rebranding Its Credit Card Program: What You Should Know

    Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?

    How To Manage Your Monthly Subscriptions To Save Money

    Parent PLUS loans can be a debt trap. Here's a loophole

    Income-Contingent Repayment (ICR)

    Annual Updates to the Income-Contingent Repayment (ICR) Plan Formula for 2023-2024

    Income-Driven Repayment Plans

    What Are the Tax Consequences of Debt Settlement?

    NYTimes: A Mexican Drug Cartel’s New Target? Seniors and Their Timeshares

    Clark.com - Timeshares

    How To Sell, Cancel or Get Rid of Your Timeshare

    5 Steps To Getting a Good Deal on a Hotel Room

    How To Plan a Trip: Clark's Best Travel Tips To Save Money

    
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  • During the pandemic, many people decided to buy or adopt a dog. Due to changing circumstances, many former “pandemic puppies”  are now in need of homes, presenting an opportunity for would-be pet owners. Also today, scams have morphed over the decades and exploded with technology. It pays to be savvy to the latest permutations of tech imposter scams.

    Pandemic Puppies Fill Shelters: Segment 1

    Ask Clark: Segment 2

    Tech Scams: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:


    Survey: 91% of dog owners have experienced financial stress over the cost of pet ownership - USA Today      

    Clark.com - Is Pet Insurance Worth It?

    10 Things Homeowners Insurance Doesn't Always Cover

    Discover Free Checking Account - No Fee Cashback Debit

    The Safer Way To Use Your Debit Card

    New tech support scammers want your life savings

    Never move your money to “protect it.” That’s a scam

    What’s a verification code and why would someone ask me for it?

    Will your bank or investment fund stop a transfer to a scammer? Probably not

    Did you get a call or text about a suspicious purchase on Amazon? It’s a scam

    16 of the Best High-Yield Online Savings Accounts

    What Is a SEP IRA and Who Is Eligible?

    Best Investment Companies for Investors in 2024

    Southwest - Transferable Flight Credits


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  • Much in the news lately - houses overtaken by squatters, or stolen through title theft. Clark discusses which homes are most vulnerable and what to be aware of as a homeowner. Also today, why credit card rewards are not always worth it. Clark discusses how reward cards work, and what it takes to reap the benefits. 

    Anti-Squatter Statutes: Segment 1

    Ask Clark: Segment 2

    Credit Card Rewards: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:


    How to Protect Your Home From Deed Theft   

    New York Post: NYC couple are sued by squatters who allegedly took over their $930K investment home and won’t leave: ‘It’s absolutely absurd’

    Home Title Lock: Is It the Same As Home Title Insurance?

    How To Protect Your Home From Being Stolen by Squatters

    Are Indexed Universal Life Insurance Policies a Good Option or a Scam?

    Why You Should Never Mail a Check

    The deceptive math of credit card rewards: Spending for points doesn't always make sense - USA TODAY

    Clark.com - Credit Cards

    Should You Ever Book a Nonrefundable Hotel Room?

    BBB-File a Complaint

    7 Rules for Buying a Cheap Car With Cash


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, a handful of automakers are selling their customers down the river and it’s an inexcusable invasion of privacy that impacts insurance premiums. 


    Clark Stinks: Segments 1 & 2

    Automakers Selling Driving Data: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    PenFed Power Cash Rewards Visa Signature® Card Review: Up to 2% Unlimited Cash Back

    When Should You File a Claim on Your Homeowners Insurance?

    What Is a SIMPLE IRA and How Does It Work?

    What Is a SEP IRA and Who Is Eligible?

    Best Investment Companies for Investors in 2024

    What Is a Fiduciary Financial Advisor and Do I Need One?

    How To Pack a Carry-On the Right Way

    4 Things You Should Always Pack in Your Carry-On

    Should You Allow Your Auto Insurance To Monitor Your Driving?

    New York Post: Your car is secretly spying on you and driving your insurance rates through the roof: report

    NYTimes: Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies

    What Is a C.L.U.E Report and Its Impact on Your Insurance

    How to Dispute Your C.L.U.E. Report

    How To Open a Roth IRA

    How to Buy a New Car in 5 Steps

    Study: The 10 Best New Cars for the Money

    Rollovers From a 529 Plan to Roth IRA: What to Know


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  • With more employers saying they no longer require a college degree for employment, Clark discusses the importance of a college education for your career long-term. And for the 2/3rds of adults without a degree, Clark shares valuable occupational tools. Also, relief is in sight, as price cutting from 2 major retailers may influence the market overall. 

    College Degrees And Employment: Segment 1

    Ask Clark: Segment 2

    Retailers Announce Price Cuts: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:


    More employers now say they’re willing to hire workers without a college degree. But is that playing out? 

    New Tool Matches Your Skills With High-Paying Local Occupations

    Occupational Mobility Explorer

    6 things you need to know before donating your used vehicle

    TheStreet: Costco shares a new pricing policy members will love

    New York Post: Ikea makes bold promise to continue price cuts in US — here’s why

    Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone

    5 Steps To Getting a Good Deal on a Hotel Room


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  • The percent of income we save, our savings rate - is the key indicator of financial health. So how are we doing right now? Also - How much exercise do you really need to make a difference in your health, and ultimately your wallet? Only 25% of Americans get the recommended amount of exercise. New data reveals what a big difference the minimum requirement can make for those who are mostly sedentary.

    American Savings Rates: Segment 1

    Ask Clark: Segment 2

    Arise From The Couch: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Americans are saving less and spending more. Could that raise the risk of recession?

    Bankruptcy filings are on the rise. Here's why an even bigger surge is looming.

    Why 'Buy Now, Pay Later' Worries Clark Howard

    My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance?

    Car Rental Insurance: Everything You Need To Know

    How Much Exercise Do You Need? More Than You Think—But Every Little Bit Helps.

    Donor-Advised Funds: The Benefits and Drawbacks

    Vanguard Charitable: Home

    What Is Black? Uber Black Car Service


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  • The U.S. has become the world’s premier oil producer. As we plan our summer road trips, Clark explains how this status along with global factors affect gas prices. Also, how developing technology in vertical farming can cleanly help feed the planet.

    Summer Gas Prices: Segment 1

    Ask Clark: Segment 2

    Vertical Farming Solutions: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:


    U.S. government tells Americans: ‘We’re producing more crude oil than any country, ever’      


    America's Oil Boom / AAA Gas Prices


    Surging gas prices just hit a significant milestone

    Ask Clark: Is the 4% Retirement Rule Still Accurate?

    What Is the 4% Rule for Withdrawals in Retirement and How Much Can You Spend?

    All-In-One Mortgage: Definition, How It Works, Pros & Cons

    This ‘GigaFarm’ in the desert could produce 3 million kilograms of food

    What Is an HSA Account and How Does It Work?

    Fidelity - Health Savings Account | HSA Investment Options


    Clark.com resources

    Episode transcripts

    Community.Clark.com

    Clark.com daily money newsletter


    Consumer Action Center Free Helpline: 636-492-5275


    Learn more about your ad choices: megaphone.fm/adchoices
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