Episodes

  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Recent data proves the point: You CAN achieve financial independence, habitually building reserves by living on less than what you make and investing wisely.


    Clark Stinks: Segments 1 & 2

    Financial Independence: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Your money could fall into the wrong hands if you don’t update this crucial information

    Wills & Funerals Archives - Clark Howard

    Dealerships Begin Swimming In Vehicle Inventory - Here Is Who's Drowning - AutoSpies

    Target launches new paid membership program in a bid to drive sales at a time of cautious spending

    Homeowners Insurance Archives - Clark Howard

    Number of 401(k) ‘millionaires’ jumped 41% last year, says Fidelity


    Clark.com SAVINGS TABLE   /   How To Open a Roth IRA


    Home Equity Loans & Lines of Credit: 7 Common Questions Answered

    6 Tips for Hiring a Contractor

    Target Date Funds: Clark's Favorite Retirement Investment

    How To Find and Choose a Financial Advisor

    Lost, Delayed, or Damaged Baggage

    How To Pack a Carry-On the Right Way


    Travel Archives - Clark Howard   /   Travel Archives - Clark Deals



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  • You may have heard about Wendy’s experimenting with “surge” pricing. This was a miscommunication about dynamic demand pricing. Clark explains. Also today, Clark discusses when you should NOT trust AI and what to know about Google search results. 

    Dynamic Demand Pricing: Segment 1

    Ask Clark: Segment 2

    AI’s Troubled Infancy: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Surge Pricing Is Coming to More Menus Near You - The Wall Street Journal.

    Wendy's 'dynamic pricing' drew backlash, but experts say the concept is here to stay

    Wendy’s Makes It Clear After Backlash: No Surge Pricing - The Wall Street Journal.

    Safer Ways To Send Money

    How Many Bank Accounts Should You Have? - Clark Howard

    How To Avoid ATM Fees

    Best Credit Cards With No Foreign Transaction Fees in 2024

    5 Money Tips To Know Before You Travel Abroad

    [The Washington Post] TurboTax and H&R Block now use AI for tax advice. It’s awful.


    AI is not ready for primetime  

    A Fake Bill Ackman Is Scamming Investors Out of Millions on Facebook - The WSJ

    Five Biggest Frauds To Watch Out for in 2024

    The Free Tool You Should Be Using Before You Fill a Prescription at CVS or Walgreens

    GoodRx Review: 10 Things To Know Before You Use GoodRx

    Will Mark Cuban's Prescription Company Really Save You Money?

    10 Ways To Save on Prescription Drugs

    Clark Deals - Today's Best Deals of the Day


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  • Clark has news for parents and grandparents saving for a child’s college education. Also in this episode, reversals in the auto industry are landing many existing car loans underwater. What to do if you are upside down in a car loan.

    529 Plan Update: Segment 1

    Ask Clark: Segment 2

    Upside Down Vehicle Loans: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Use the 529 Grandparent Loophole to Maximize College Savings

    Best 529 College Savings Plans By State

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

    Target Date Funds: Clark’s Favorite Retirement Investment

    How To Find and Choose a Financial Advisor

    Car values plummet, putting car loans underwater

    More car owners are underwater on loans because of lower trade-in values

    What Is Gap Insurance? Definition, How It Works, When to Buy

    How to Buy a Used Car in 7 Steps


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  • In medicine today, there’s ongoing conflict between insurers and providers and we’re caught in the middle. This necessitates a clear directive for you before you go to any doctor appointment. Also -  In free enterprise capitalism, what is core and key for enduring success?  Clark shares a case in point.

    Assignment: Reverify Medical Network: Segment 1

    Ask Clark: Segment 2

    A Requirement For Success: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:


    [The Washington Post] How your in-network health coverage can vanish before you know it 

    ‘They’re Freaking Out’: Letters Warn Patients They Risk Losing Their Doctor - The WSJ

    What Is an HSA Account and How Does It Work?


    Ask Clark: What Is a Backdoor Roth IRA?   /   What Are Index Funds?


    NYPost: Dollar General store briefly shuts down after entire staff quits over 7-day work weeks, ‘lack of appreciation’

    NYTimes.com: Walmart Wants to Teach Store Managers Compassion

    Warning: Read This Before You Sell I Bonds

    Vanguard - Bonds: Diversify Your Portfolio and Earn More

    Credit Score Guide

    What Type of Medical Alert Device Should I Buy for My Husband?


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  • U.S. real estate commissions have been roughly triple those elsewhere in the developed world. Clark explains how recent settlements in the industry will actually play out over time in terms of commissions. Also in this episode, Clark shares new cruise booking insights based on a recent experience.

    Real Estate Commissions: Segment 1

    Ask Clark: Segment 2

    Summer Cruise Deals: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Closing Costs for Buying a Home Have Risen Along With Rates

    The 6% commission on buying or selling a home is gone after Realtors association agrees to seismic settlement

    Realtors settlement expected to lower housing prices

    Five Ways Buying and Selling a House Could Change

    NYTimes: Powerful Realtor Group Agrees to Slash Commissions to Settle Lawsuits

    NAR agrees to settle commission lawsuits that rocked the real estate world

    'Everything is rising at a scary rate': Why car and home insurance costs are surging

    Clark.com SAVINGS TABLE

    Clark.com - CRUISES

    Should You Ever Book a Nonrefundable Hotel Room?

    Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly?

    TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You?

    Will TSA's New Self-Screening Service Save You Time At The Airport?

    TSA unveils first self-screening security lane at Las Vegas airport

    TSA unveils a prototype self-service airport checkpoint security screening system


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - The travel industry can be unstable. Another cruise line recently shut down. Know Clark’s number one rule for booking travel and protecting your money.


    Clark Stinks: Segments 1 & 2

    Travel Booking Rule: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons)

    The Best International Phone Plans

    What Should You Do About Phone Data on an International Trip?

    American Queen Voyages Cancels All Cruises, Shuts Down Operations

    Best Travel Credit Cards: Top Rewards Picks for 2024

    The Only Way You Should Pay for a Cruise

    Travel Insurance: What You Need To Know Before You Buy

    Why You Should Never Use a Debit Card To Pay for Anything

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

    Should I Buy Additional Insurance From a Rental Car Company?

    Amex EveryDay® Credit Card Review: 15 Months of Intro 0% APR

    Credit Card Car Rental Insurance: What You Need To Know


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  • This Special Edition features Wes Moss, host of the Retire Sooner Podcast. Wes is a fiduciary fee only planner, who shares his investing expertise on a range of topics, including listener questions submitted at Clark.com.

    Warren Buffet & An Overvalued Market: Segment 1

    Ask Clark: Segment 2

    Stocks & Funds: Decisions: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Wes Moss - Retire Sooner

    Read Warren Buffett's 2024 annual letter to shareholders

    Warren Buffett's annual investor letter is out. Here are the biggest takeaways.

    3 pieces of investment advice from Warren Buffett's annual letter to Berkshire Hathaway shareholders

    Clark.com - INVEST & RETIRE


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  • After the economic turmoil of the past 15 years, many workers struggle financially which affects their well-being and productivity. Clark discusses how employers are addressing this. Also, a huge financial drain on so many, long-term care, is becoming increasingly tougher to insure. 

    Small Business Retirement Plans: Segment 1

    Ask Clark: Segment 2

    Long-Term Care Insurance: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Workplace Financial Coaching Has Become Ever More Important

    Retirement Plans Startup Costs Tax Credit

    Small Business Retirement Plan Options

    Fidelity Rewards Credit Card Review: Invest with 2% Cash Back

    Should You Ever Take a Loan From Your 401(k)?

    How Mileage Brokers Ruin Miles & Points For Everyone

    NYTimes: Difficult Choices for Some Long-Term Care Policyholders


    ‘Financial Ruin Is Baked Into the System’: Readers on the Costs of Long-Term Care  

    What Is Long-Term Care Insurance Cost & Coverage

    What Are the Pros and Cons of the Costco Car Buying Program?

    The Best Car-Buying Services in 2024


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  • In researching auto insurance, Clark has discovered some stats about the wide cost differences between various companies that will motivate you to shop auto insurance at renewal time if you're in bill shock. Also, have you noticed car washes popping up all over where you live? Learn what the deal is so you don’t get hosed. 

    Shopping Auto Insurance Pays: Segment 1

    Ask Clark: Segment 2

    Car Wash Subscriptions: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    A major auto insurer returns to California — with a 30% price hike

    How to Shop for Lower Car Insurance

    Car Insurance Archives - Clark Howard

    6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster

    What Should I Do if I Need a Car Right Now?

    Why Are There Suddenly So Many Car Washes?

    Are Car Wash Memberships Worth It?


    How To Create a Will Online 

    Best Online Will Maker: 5 Free or Cheap Options

    Who Should Consider Setting Up a Trust?

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


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  • Vehicle inventory is way up for some brands, and this creates an advantage for potential car buyers. Clark shares where the deals are. Also - There’s a shift going on with the U.S. energy supply and the way it’s provided. Clark has advice on the best play for your wallet based on the changes going on.

    New Car Deals: Segment 1

    Ask Clark: Segment 2

    Renewable Energy: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Dealerships Begin Swimming In Vehicle Inventory - Here Is Who's Drowning - AutoSpies

    Car Prices Are Finally Coming Down. It Looks Like a Buyer’s Market.

    How to Buy a New Car in 5 Steps

    Warning: Why You Should Never Buy Visa Gift Cards

    What Is an ABLE Account?


    WSJ: U.S. Renewable Power Growth Is Setting New Records on the Back of Federal Support 

    Best Term Life Insurance Companies, Plans & Coverage

    NYTimes: She Ordered an Ashtray and Got a Can of Tuna


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark discusses an important factor for many that is purposely ignored by credit card review sites - interest rates on cards. How do you find the best deal? 


    Clark Stinks: Segments 1 & 2

    Best Credit Card Rates: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    How to Choose the Right Dog Rescue Group

    4 Things To Know Before You Sign Up for YouTube TV

    The Platinum Card® from American Express Review 2023: Is It Worth It?

    How To Find and Choose a Financial Advisor

    Should I Buy Additional Insurance From a Rental Car Company?

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

    NYTimes.com: Looking for a Lower Credit Card Interest Rate? Good Luck.

    CFPB - Credit card data: Small issuers offer lower rates

    Why Are More People Using Small Banks And Credit Unions?

    Navy Federal Visa cashRewards Card Review: Cash Back Credit Card

    Credit Union vs. Bank: What's the Difference?

    Home Equity Loans & Lines of Credit: 7 Common Questions Answered

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

    How one couple paid off $40K of debt in 24 months

    Clark Howard's 2024 Credit Card Debt Elimination Strategy


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  • Regarding your heart health, Clark shares news of a non-invasive test you can do routinely that can be very telling. Also in today’s show, Clark gives you the lay of the land for potential home buyers and sellers this spring, including buyer incentives on new builds. 

    Taking Heart Health In Stride: Segment 1

    Ask Clark: Segment 2

    The Spring Home Buying Season: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Gait speed is one of your vital signs, so make sure yours is OK


    Frontier Discount Den  /  Kids Fly Free


    Waiting for the Spring Selling Season to Buy or Sell a Home? That May Be Delayed

    Stamps.com - Postage On Demand

    How Can I Find Out Why My Credit Score Just Dropped?

    4 Ways To Get Your Free Credit Score


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  • What are you paying for home internet? One provider that was low cost has now raised its prices. Clark tells you how to shop around for the best price based on your particular internet needs. Also- there’s a segment of the population long ignored when it comes to financial literacy. Clark discusses this gap and how to fix it. 

    SAVE MORE On Home Internet: Segment 1

    Ask Clark: Segment 2

    Financial Literacy For Senior Women: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    T-Mobile quietly raises Home Internet monthly price to $60 for new customers

    Internet Archives - Clark Howard

    UPGRADE - Cash Rewards Elite Card

    There’s a financial literacy gender gap − and older women are eager for education that meets their needs — The Conversation

    Investing & Retirement Archives - Clark Howard

    What Is a Roth 401(k) and How Does It Work?

    How To Open a Roth IRA

    Target Date Funds: Clark's Favorite Retirement Investment

    What Is a Solo 401(k) and How Does It Work?

    What Is a SEP IRA and Who Is Eligible?

    3 Simple Ways To Delete Your Google Data

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

    13 Steps To Keeping Your Email Safe and Secure

    16 of the Best High-Yield Online Savings Accounts


    What Are Index Funds? / Clark.com SAVINGS TABLE


    How Much Should You Have Saved for Retirement by Now?

    Best Investment Companies for Investors in 2024


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  • There’s a lot of talk and concern about traditional 401(k)s and IRAs going away. Clark explains. Also in this episode, baggage fees are rising again, increasing the cost of flying for customers. What to know before you get to the airport. 

    Future 401(k)s & IRAs: Segment 1

    Ask Clark: Segment 2

    Airline Baggage Fees: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

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

    Do Not Give Your Social Security Number at These Places

    How Many Bank Accounts Should You Have? - Clark Howard

    16 of the Best High-Yield Online Savings Accounts

    Best Investment Companies for Investors in 2024

    United Airlines is also raising its checked bag fee. See by how much. - USA TODAY

    Get Ready for $40 Luggage Fees - The Wall Street Journal.

    NYTimes.com: How to Pack for a Two-Week Trip With One Small Suitcase

    How To Pack a Carry-On the Right Way

    4 Things You Should Always Pack in Your Carry-On

    Best Travel Credit Cards: Top Rewards Picks for 2024

    Best Cash Back Credit Cards With No Annual Fee in 2024

    Should You Ever Buy Travel Medical Insurance?

    6 Best Apps To Save Money on Groceries

    Flipp – Flyers, Shopping List, Weekly Ads | Flipp


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  • Junk fees are being imposed all over the place in all manner of ways these days. A new California law is going to end that practice in the state, with nationwide implications. Meantime, your Clark smart approach to purchases can help protect your wallet. Also - First TurboTax, now H&R Block is in trouble for pressuring customers to overpay. There’s a better way!

    Anti Junk Fee Law: Segment 1

    Ask Clark: Segment 2

    Tax Filing: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    What does a service fee ban mean for diners? Expect higher menu prices — a lot higher

    Inflation is cooling, but small businesses are still suffering

    NYTimes: It’s a Great Deal, Before the ‘Drip Pricing’

    ENERGY STAR® | Department of Energy

    FTC says H&R Block pressures people into overpaying for tax prep

    New York Post: H&R Block used deceptive ads, pressured users into overpaying, deleted tax data: FTC

    FTC finds TurboTax “free” is not free for most

    8 Free Federal and State Tax Filing Services for 2024

    Free File: Do your taxes for free | Internal Revenue Service

    Direct File | Internal Revenue Service

    When Should You Get an Accountant To Do Your Taxes?

    Why co-signing a loan can be bad on almost every financial level

    New York launches probe into nationwide AT&T network outage

    16 Items To Pack in Your Financial Emergency Kit


    Amateur Radio Service / Amateur radio


    National Credit Union Administration (NCUA)


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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: New data on US worker productivity and why this is good news for our economic growth and well-being. 


    Clark Stinks: Segments 1 & 2

    American Productivity: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Free Advice: Clark's Consumer Action Center - Clark Howard

    Fidelity - Automated investing: How to save and invest more

    Credit Karma Review: Free Credit Score and More at Your Fingertips

    How To Monitor Your Credit

    How is the U.S. Postal Service governed and funded?

    How to sell your house by owner

    Google Fit

    NYTimes.com: Can America Turn a Productivity Boomlet Into a Boom?

    What Is Term Life Insurance?

    The Power of Compound Interest: Calculations and Examples

    Always Ask Your Pharmacist the Price of Your Prescription Without Insurance

    7 Things To Know About Costco Pharmacy

    Save On Prescription Drugs - Clark.com


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  • Banks are heavily exposed to the troubled commercial property market. Clark discusses what this means for small businesses and individuals.  Also, facial recognition and biometric digital ID is becoming more prevalent, transforming your airport experiences. This brings both convenience and privacy concerns. 

    Clarkonomics: Segment 1

    Ask Clark: Segment 2

    Travel Biometrics: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Bad property debt exceeds reserves at largest US banks

    IntraFi - CEDARS

    Why Big Banks Are a Bad Place for Your Cash

    Best Investment Companies for Investors in 2023

    How To Open a Roth IRA

    When Do You Need a Travel Agent?

    Booking a Cruise? Here Are 5 Ways To Do It for Less

    Facial Recognition: Coming Soon to an Airport Near You

    TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You?

    5 Money Tips To Know Before You Travel Abroad

    What’s the Best Way To Exchange Dollars for Foreign Currency?

    MouseSavers.com: Disney discounts, deals & coupons guide


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  • A wonderful culture shift has taken place. Younger generations are becoming rich, and not through hitting the lottery or buying hot stocks. There are simple ways to make this happen, and we have a new tool at Clark.com to help you see how much you can save over time. Also today, bargains keep getting better! Target is getting more competitive with a storewide discount brand.

    Youth Saving & Investing: Segment 1

    Ask Clark: Segment 2

    Target’s New Discount Brand: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Clark.com SAVINGS TABLE

    Want to retire with a million bucks in the bank? Here's one tip on how to do it. - USA TODAY

    WSJ.com: These Teenagers Know More About Investing Than You Do

    Wealth Inequality by Age in the Post-Pandemic Era

    How Much Should You Have Saved for Retirement by Now?

    How a summer job could turn you into a millionaire

    Investing & Retirement Archives - Clark Howard

    Understanding Velocity Banking, and How It Helps You Rapidly Pay Down Debt

    What Is Homeowners Insurance?

    Target creates its cheapest in-store brand as consumers are squeezed

    Target's new low-cost brand dealworthy gives bargain hunters a new department to shop at with prices lower than $1.


    The Best Car-Buying Services in 2024 / How to Buy a Used Car in 7 Steps


    5 Reasons Sam’s Club Is Better Than Costco


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  • More than 40% of homeowners carrying a mortgage right now are over age 65. Clark discusses the implications of this obligation in terms of interest rates, loan term lengths and home prices. Also, how much can you trust a website’s chatbot? Air Canada recently got into trouble over its AI bot. What you need to know about AI in the information space, including a NEVER rule about searches. 

    Having A Mortgage At Age 65+: Segment 1

    Ask Clark: Segment 2

    AI Chatbot & Search Warning: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    NYT Keeping a Mortgage After 65: A ‘No Brainer’ or a Big Risk?

    Best Cell Phone Plans in 2024: The Cheapest Plan for Every Need

    Term Life vs. Whole Life Insurance: Understanding the Difference

    What Is Term Life Insurance?

    How To Buy Term Life Insurance in 7 Easy Steps

    Best Investment Companies for Investors in 2023

    Best Auto Insurance Companies and Some of the Worst

    Why You Need To Re-Shop Your Car Insurance Right Now

    Homeowners Insurance Archives - Clark Howard

    New York Post: Air Canada ordered to refund passenger after ‘misleading’ conversation with site’s AI chatbot

    5 Money Tips To Know Before You Travel Abroad

    What’s the Best Way To Exchange Dollars for Foreign Currency?


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  • If you’ve recently sold I Bonds and/or receive 1099s, Clark has an important tax tip for you. Also today - Clark discusses some employment cross currents in play now to keep in mind as you survey the job market, and for employers to be aware of as they seek workers.

    I Bond Tax Tip: Segment 1

    Ask Clark: Segment 2

    What Workers Want: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Should You Sell Your I Bonds Right Now?

    Making Money on I Bonds Was Easy. The Tax Paperwork Isn’t. - The Wall Street Journal.

    How to Freeze Your Credit With Experian, Equifax and TransUnion

    How getting a second opinion can stop you being ripped off — The Conversation


    Americans want more control over when they work, not just where 

    Employee salary expectations are evolving — and escalating a threat for businesses

    How to find a job you’ll actually like

    Workers are spending a lot of money returning to the office — and it's raising turnover risks

    [The Washington Post] The best times to book cheap flights for every vacation season


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