Episodes

  • Using reward points for summer airfare and hotels has been a great way to save over the years, but operators have long been devaluing these programs, and are limiting how you can earn those points. Know how to better manage the moving targets that are today’s variable travel rewards. Also, a special guest: Our man Anthony visited Manhattan’s Fairway Market, and reports on the latest version of cashier-less tech - the automated shopping cart.

    Travel Loyalty Points: Segment 1

    Ask Clark: Segment 2

    Smart Shopping Carts: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:


    American Airlines No Longer Awards Miles On Most Third Party Bookings - View from the Wing 

    NYTimes.com: To Protect Your Miles, Be Careful How You Book

    Find Best Flight Deals With Free American Express Tool Point.me

    Why Our Travel Expert Thinks This New Tool Is a “Game Changer”

    How To Open a Roth IRA

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

    10 Ways To Save Money on Car Insurance

    [NY Post] Future of shopping: Instacart debuts AI-driven 'smart carts' to NYC retailers

    No more 'just walk out' at Amazon grocery stores. The new bet is smart shopping carts

    Amazon’s cashier-less technology was to revolutionize grocery shopping. It’s been a flop

    Amazon Ditches "Just Walk Out" Checkouts at Its Grocery Stores


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, something many of us need but generally ignore is life insurance. Clark helps you take it off the back burner and take care of business, with info on how much you need and how to buy it. 


    Clark Stinks: Segments 1 & 2

    Life Insurance 101: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Warning: Why You Should Never Buy Visa Gift Cards

    How Do I Use All the Funds on My Virtual Gift Card?

    The One and Only Exception to Clark Howard's 'No Gift Card' Rule

    Travel Insurance: What You Need To Know Before You Buy

    Mint Mobile Review: 6 Things To Know Before You Sign Up

    3 Things To Know About Amazon Pharmacy Before You Sign Up

    Why It's Still Better To Fill Prescriptions at Costco Than Amazon

    10 Ways To Save on Prescription Drugs

    How Much Life Insurance Do I Need? - Clark.com

    Best Term Life Insurance Companies, Plans & Coverage

    Life Insurance Archives - Clark Howard

    Quotacy: Quote, compare and buy life insurance online

    Vacations To Go: Can You Find Bargain Cruises?

    Costco Travel: 5 Things To Know Before You Book


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  • How do we determine our “magic number” - the amount we need to retire? Clark weighs in on the debate about how much it takes to be financially secure, and how to start and keep making progress. Also today -private placements, hedge funds, limited partnerships, private equity - beware of this type of non-traditional investment “opportunity”. Even when they’re legit, there’s no liquidity, and extremely high expenses. It pays to know why you need to avoid investing with anyone who is not a fiduciary.

    How Much Do You Need To Retire?: Segment 1

    Ask Clark: Segment 2

    Risky Investment Pitches: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    The “Magic Number” Needed to Retire Comfortably Is More Than You Think

    Americans Believe They Will Need $1.46 Million to Retire Comfortably According to Northwestern Mutual 2024 Planning & Progress Study - Apr 2, 2024

    Retirement crisis looms as Americans struggle to save

    How to Start Investing: 10 Steps (Clark.com)

    How To Save Money: Spend Less & Build Your Savings

    Warning: Here’s What Those Debt Settlement Companies Don’t Tell You

    Clark Howard's 2024 Credit Card Debt Elimination Strategy

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

    Best 529 College Savings Plans By State

    How To Open a Roth IRA

    The AJC: Atlanta hedge fund manager charged in $10M fraud scheme

    Best Financial Advisors in 2024

    Should You Make Your Child an Authorized User on Your Credit Card?

    Best Credit Cards for Students: Top Picks for 2024

    Travel Archives - Clark Howard

    4 Ways To Get Your Free Credit Score


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  • Clark discusses the big bank response to higher savings rates and spells out your options to make the most of your savings. Also today - small business owners are stuck between a rock and a hard place when it comes to borrowing money. Beware “quick” loans. Clark has a better way.

    Maximize Your Savings Rate: Segment 1

    Ask Clark: Segment 2

    Legal Loan Sharks Plague Small Business: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Banks pay savers more as ‘higher-for-longer’ rates hit interest income

    Clark.com - Best High-Yield Online Savings Accounts

    Montway Auto Transport: Top-Rated Auto Transport Company

    uShip Review: 5 Things To Know Before You Use the Shipping Service

    Facebook Marketplace Scams: Everything You Need to Know

    Small businesses are still struggling to get financing, a year after bank failures

    Best Small Business Credit Cards: Top Picks for 2024 (Clark.com)

    Best Cash Back Credit Cards With No Annual Fee in 2024

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

    Warning: Why You Should Never Buy Visa Gift Cards

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

    How To Get the Best Price Possible Shopping Online

    Clark Deals - Today's Best Deals of the Day

    How To Spot a Fake Online Store in 6 Easy Steps


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  • Today - you may have heard that Walmart is closing its health centers. With the failure of this healthcare option, along with the state of the clinic attempts made by Walgreens & CVS, there’s an important healthcare takeaway to be prepared for. Also, are you ready to see a driverless tractor-trailer on the road? Are they safe?

    Your Primary Care Physician: Segment 1

    Ask Clark: Segment 2

    Autonomous 18 Wheelers: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    NYTimes: Walmart Is Shutting Health Centers After Plan to Expand

    Walmart to close its 51 health centers, virtual care service

    Walmart says it will close its 51 health centers and virtual care service

    My Neighbor’s Dead Tree Is About To Fall on My House. What Do I Do?

    Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank?

    Why Are Retailers Adding an Additional $1 Charge on My Credit Card?

    How Many Bank Accounts Should You Have? - Clark Howard

    Self-driving trucks are ready to roll

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

    DuckDuckGo - Get Email Protection: More Privacy, Same Inbox


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, we’ve talked about the cost of college, and how it can hamper parents saving for their own retirement. But what about supporting adult children post-college age? Clark shares some concerning stats. What’s your take? We have a popular thread on our free Clark.com Community on this topic,  linked here and we invite you to share thoughts on financially supporting adult children.


    Clark Stinks: Segments 1 & 2

    Paying For Adult Children: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Streaming TV - Clark.com

    Do I Really Need To Put Premium Gasoline in My Vehicle?

    How to Get Your Kids to Step Off the Gravy Train

    60% of Parents Pay Bills For Adult Children. Do You?

    When it’s time to financially cut off your adult children

    Clark.com Community - What is the appropriate age to wean your child off your financial support? And how much money should you give an adult child if any?


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  • Clark has never been a fan of brand names, and it seems he’s been ahead of the curve. Now consumers, sick of high prices, are fighting back. New private labels are popping up and it’s great for our wallets. Also today, with short-term rental bans proliferating, Clark has a key rule for purchasing investment property. 

    Private Label Store Brands Vs Big Brand Names: Segment 1

    Ask Clark: Segment 2

    Buying Investment Property: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Consumers Fed Up With Food Costs Are Ditching Big Brands

    Barrons: Walmart Is the Nation’s Largest Grocer. Why It Added a New Private Label Food Brand.

    Walmart Takes On Trader Joe’s and Whole Foods With New Premium Brand - WSJ

    How to Save Money on Groceries: 22 Clever Ways - Clark.com

    Are Airbnbs banned in Hawaii? New law seeks to crack down on short-term rentals -USA TODAY

    What Is a 1031 Exchange? Know the Rules


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  • Today, an important update on Inflation Savings Bonds. Clark explains how these bonds work over time and the advantage of owning new Series I Bonds. Also, extra fees have been a topic on the show in recent years. There’s a new fee in town making a splash - Clark tells you how to avoid it. 

    UPDATE - Series I Savings Bonds: Segment 1

    Ask Clark: Segment 2

    Cancellation & No-Show Fees: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Barrons: Treasury Sets New Rate of 4.28% for I Bonds as Inflation Ebbs

    6 Things To Know About Series I Savings Bonds

    The Era of ‘No-Show’ Fees Is Here—and It’s Going to Cost You - WSJ

    Should You Stay With Vanguard Despite the New Fee Announcement?

    NolahMattress - Is It Legal to Sell a Used Mattress? A State-by-State Guide

    The Best Place To Buy a Mattress

    How Can I Get Rid of My Old Mattress Cheaply?


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  • Clarkonomics! Clark discusses how the US economy stacks up against the rest of the world, including concerns about our deficit. Also, Clark and Christa have a long running disagreement about a payment practice. Christa was right. Clark has changed his mind.

    Clarkonomics: Segment 1

    Ask Clark: Segment 2

    Automatic Payments: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    The US dollar is strengthening. Here’s what’s driving the rally and what it means for Americans

    America’s debt problem is storing up trouble for the rest of the world

    Inflation Is Stubborn. Is the Federal Budget Deficit Making It Worse?

    Stubborn Inflation Could Prod Fed to Keep Rates High for Longer

    With Inflation This High, Nobody Knows What a Dollar Is Worth

    Where Should I Set Up My Health Savings Account (HSA)?

    Florida Department of Agriculture and Consumer Services (FDACS)

    Money Talk with Liz Weston: Can my credit score really be marred over $20? 

    Automatic Bill Pay: How It Works and How To Do It Safely


    Credit Score Guide   /   Should You Get a Store Credit Card?


    Is a Self-Directed Real Estate IRA Right for Your Retirement?

    Real Estate Investing: What To Know BEFORE You Start

    What Should You Do if Your Insurance Claim Is Denied?


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  • In this episode - did you hear about the T-Mobile customer who received a six figure bill for an international trip? Get Clark smart advice for traveling overseas with your phone. Also today - there’s a new warning out about a scam trying to collect money from you from phantom tolls.

    International Calling: Segment 1

    Ask Clark: Segment 2

    Toll Collection Scam Warning: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    PhoneArena: This T-Mobile customer got a $143442.74 bill after a three-week Switzerland vacation

    The Best International Phone Plans

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

    Hello Mobile

    How To Choose the Best Charities for Your Donations

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

    Alert: FBI issues warning on toll road smishing scam

    USA TODAY: Road toll 'smishing' texts on the rise, FBI says: Here's what to know

    E-ZPass Group - Home

    T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up

    How To Prevent, Report and Repair Identity Theft


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, we’ve talked a lot about renting vs. buying in today’s housing market. New data makes a compelling argument and provides direction for aspiring homeowners. 


    Clark Stinks: Segments 1 & 2

    Rent Vs Buy A Home: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Best 529 College Savings Plans By State

    Homes at Menards®

    Insurers Are Spying on Your Home From the Sky

    Axios: Unpacking the productivity surge

    Where should I place a carbon monoxide detector?

    The $10 Travel Essential Clark Howard Always Packs

    Big city dwellers are better off renting than buying a home everywhere, analysis says - USA TODAY

    One-Third of Parents Are Paying An Adult Child's House Down Payment? Are You?

    Map: Here's Zillow's updated home-price forecast for more than 400 housing markets

    The cost breakdown of building a single-family home

    The Only Reason You Should Make an Improvement to Your Home

    29 home remodeling projects that offer the best payback

    6 Tips for Hiring a Contractor

    Senior Planning


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  • Today, Clark shares a personal story about a sleazy sales call he received from one of the big alarm companies - tied to an internet provider. Also in this episode, pet owners need to understand what’s going on in the veterinary medicine profession so they can choose wisely, and protect their wallets.

    DIY Home Security: Segment 1

    Ask Clark: Segment 2

    Veterinary Bills: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    ADT USA Reviews | Read Customer Service Reviews of adt.com

    Your Guide to DIY Home Security Systems

    Which Home Security Systems Rank Better Than Ring?

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

    Credit Card Car Rental Insurance: What You Need To Know

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


    Why Your Vet Bill Is So High  /  Is Pet Insurance Worth It?


    Best 529 College Savings Plans By State

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


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  • Finding a fiduciary financial advisor who ONLY works for your best interests can be difficult. New regulations may add protections for consumers, but it’s on us to know how to get the best guidance.  Also, Americans have so much stuff that storage units have been overbuilt. If you have a unit, Clark has some money saving advice regarding your monthly fee.

    Key Warning On Financial Advisors: Segment 1

    Ask Clark: Segment 2

    Storage Units: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Americans Deserve Straight Retirement Advice. They Work Too Hard for Their Money.

    NYTimes: Who Can Be Trusted for Retirement Advice? New Rules Strengthen Protections.

    WSJ: Advisers on Trillions in IRAs Must Now Put Your Interest First

    What to Do When Your 401(k) Leaves Something to Be Desired

    How To Find and Choose a Financial Advisor - Clark.com

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

    The Clark Howard Podcast

    The Headache at the End of the Costco Gold Rush - The WSJ


    Should You Buy Gold at Costco?  /  Clark Howard's Advice on Buying Gold


    NYTimes: Americans Went All-In on Self-Storage. That Demand Is Suddenly Cooling.

    Storage Unit Prices Keep Going Up. Is There a Better Way To Store My Possessions?

    The #1 Bill You Should Get by Mail

    Wirecutter: Stop Stressing About Turning Off the Lights When Leaving the Room!


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  • In this episode - Clark takes you through the necessary steps for buying a used vehicle, including his number one rule, a key step neglected by a third of all buyers. Also today - are you traveling this summer? Airlines and hotels are changing the rules when it comes to earning points or miles. 

    How To Buy A Used Car: Segment 1

    Ask Clark: Segment 2

    Airline & Hotel Points: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:


    WSJ - Used-Car Sales Have Moved Online—Here’s Why Both Customers and Dealers Are Happy   

    How To Buy a Used Car - Clark.com

    How to Buy a New Car - Clark.com

    Should You Buy an Extended Warranty on Your Car? - Clark.com

    Salvage Title: What it Means, How it Works - Investopedia

    American Airlines Is Once Again Changing How Fliers Can Earn Rewards

    Hotel Resort Fee Lookup Tool

    Should You Ever Book a Nonrefundable Hotel Room?

    How Does Booking Travel Through a Credit Card Rewards Program Compare?

    How To Choose a Tour Company - Clark.com

    When Do You Need a Travel Agent?


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  • In this episode - we often see lists of the best auto insurance companies, but now Clark has discovered an industry database for body shops that rates insurers according to how claims are handled. Also, Clark hates covenants not to compete - a labor practice that’s now on the ropes. But the ban is messy. Clark explains. 

    A New Source For The BEST Auto Insurers: Segment 1

    Ask Clark: Segment 2

    Non-Compete Clauses: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    CrashNetwork - Top Rated U.S. Car Insurance Companies for 2024

    Best Auto Insurance Companies -Clark.com

    How to Shop for Lower Car Insurance - Clark.com

    Ascensus Acquires Vanguard’s Small Business Retirement Plans

    Target Date Funds: Clark’s Favorite Retirement Investment

    Ban on non-compete agreements sends shockwave across Wall Street

    [The Washington Post] Groups sue to block FTC’s new rule barring noncompete agreements

    Workers Celebrating Ban on Noncompetes. Employers Are Ready to Fight. - The WSJ

    NYTimes: F.T.C. Issues Ban on Worker Noncompete Clauses

    Businesses face 'seismic shift' after FTC bans noncompetes. Here's what they should do next.


    Healthcare.gov / What Is an HSA Account and How Does It Work?


    My 7 Rules for Using Credit Cards - Clark Howard


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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, how loyalty programs affect price decision making and may have you “competing with yourself”. Clark discusses how these programs work across many industries, and what to keep in mind to get the most from them. 


    Clark Stinks: Segments 1 & 2

    Loyalty Programs: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    How to Start Investing: 10 Steps for Beginners

    Should We Worry About the National Debt and Budget Deficits?

    Will Social Security Run Out?

    What Is a SEP IRA and Who Is Eligible?

    Clark Deals - Hotels


    When Is the Best Time To Collect Social Security?  /  Social Security When?



    18 Ways To Save at Walmart  /  Walmart+ Membership Program: 4 Things To Know


    Loyalty programs may limit competition, and they could be pushing prices up for everyone — The Conversation


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  • During COVID, many Americans moved far away from their offices, sometimes out of state. Clark talks about how super-commuters are making it work. Also, Clark gets back to basics on something he hates: annuities. Know which type may actually be useful and which ones are to be AVOIDED at all costs! 

    Super-Commuting: Segment 1

    Ask Clark: Segment 2

    Sold Not Bought - Annuities: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    The rise of the super-commuter

    The Best Unlimited Hotspot Plans

    Visible Announces New Annual Plans: Save up to $145/Year

    Visible Review: 5 Things To Know Before You Sign Up

    Using Cellular Data Internationally: Buying a Local SIM Card

    InsureMyTrip Review: Why We Like It and How to Use It

    How To Choose the Best Charities for Your Donations

    What Is an Annuity, and Why Does Clark Think They Stink?

    The Only Two Exceptions to Clark Howard's Annuity Rule

    What Is a 1035 Exchange? Definition and How the Rules Work

    Why I Think Medicare Advantage Plans Stink - Clark Howard


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  • Investing continues to evolve and a new way some fiduciary financial advisors are charging for services could save you money. Know your options to make an informed choice for financial services. Also, before you sign up for expensive dental work, think twice & take Clark’s advice.

    Flat Fee Financial Advisors: Segment 1

    Ask Clark: Segment 2

    Wisdom Teeth- AVOID Unnecessary Dental Work: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Flat Fee Shops Attempt to Shake Up Financial Advising


    Advice-Only Network // Flat Fee Advisors


    3 Places You Should Never Invest Your Money

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

    How To Find and Choose a Financial Advisor

    What Is an HSA Account and How Does It Work?

    Target Date Funds: Clark's Favorite Retirement Investment

    How to Advocate for Yourself at the Dentist

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

    Yes, your smart TV is spying on you – Here's how to stop it

    GM Stops Selling Driving Data to Insurance Companies

    How to Buy a New Car in 5 Steps


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  • In our everyday payment decisions, many choose Apple Pay or Google Wallet on our phones. Consumer behavior studies show the more convenient the payment method, the more we spend. Don’t let tap to pay, tap you out! Also today - we are finally seeing the results of people wanting to do more in person. Clark discusses how this is affecting some industries, including food delivery. 

    Phone Tap To Pay (More): Segment 1

    Ask Clark: Segment 2

    The Ghost Of Kitchens Past: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Using your phone to pay is convenient, but it can also mean you spend more

    Cash Envelope System: How It Works

    10 Best Free Checking Accounts in April 2024

    AT&T Data Breach: Take These Steps To Protect Your Information

    How to Freeze Your Credit With Experian, Equifax and TransUnion

    Ghost Kitchens Are Disappearing, Squeezed by Demand and Complaints

    Warning for Cell Phone Users: Do Not Use Public Charging Stations

    What Is a Thrift Savings Plan?

    Costco vs. Sam's Club: What Is the Difference?


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!
    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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  • How do you feel about targeted ads following you around online? Companies are dreaming up new ways to track us - even when we have our TV show paused! Also, job prospects are great for teens this spring and summer. Now is the perfect time for young people to enter the workforce. 

    Targeted Ads Ubiquitous: Segment 1

    Ask Clark: Segment 2

    Teen Jobs: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Google Pledges to Destroy Browsing Data to Settle ‘Incognito’ Lawsuit

    Why Walmart bought TV-maker Vizio for $2.3 billion - Axios


    Is that ad following you around the internet creepy or kind of cool? 

    Roku Explores an Insidious Way to Serve up Commercials Via Idle HDMI Inputs | Sound & Vision

    Roku forcing 2-factor authentication after 2 breaches of 600K accounts

    Fighting back against harmful voice cloning

    RESIDENTIAL REAL ESTATE BROKER COMMISSIONS ANTITRUST SETTLEMENTS

    If you recently sold your home, you might get part of your realtor fee back

    NAR settlement: Here's what to know about payouts for commission lawsuits

    Teens Are Spending Less This Year. Where Their Allowances Are Going.

    CPI Inflation Calculator  -  Value of $1.60 from 1971 to 2024

    Charles Schwab Review 2023: Pros & Cons

    No Surprises Act

    Cheapest Way to Rent a Car: Expert Tips


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!
    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
    Learn more about your ad choices. Visit megaphone.fm/adchoices