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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?


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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


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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, why buying a gift card is now tantamount to lighting a $20 bill on fire. 


    Clark Stinks: Segments 1 & 2

    Gift Card Draining: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Military and Veterans Guide: Free Resources for Your Finances

    How To Protect Your Home From Being Stolen by Squatters

    Florida lawmakers pass bill to revoke squatters' rights

    How to Lower Your Property Taxes in 4 Easy Steps

    Chinese Organized Crime’s Latest U.S. Target: Gift Cards

    What Is a CD Ladder and When Is It a Good Idea?

    BBB-File a Complaint


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  • Today Clark’s talking about scams and how to avoid them! First, a special warning if you sell or buy items on Facebook marketplace. Later, AI has enabled crooks to clone voices. This is a huge problem, enabling criminals to trick people into thinking they are talking to a relative, or even a boss. What to look out for so you don’t get ripped off.   

    Facebook Marketplace Scams: Segment 1

    Ask Clark: Segment 2

    Voice Cloning Cons: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Facebook Marketplace Scams: Everything You Need to Know

    Banks and Users Warn of Scammers on Facebook Marketplace

    4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!)

    Safer Ways To Send Money

    Pirate Ship Review: Pros & Cons of This Cheap Shipping Service

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


    How To Open a Roth IRA / What Are Index Funds?


    Fighting back against harmful voice cloning

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

    BBB-File a Complaint

    How To Dispute a Charge on Your Credit Card

    Where To Put Your Cash When You’re Saving for a Purchase in Less Than 5 Years


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  • You have the power to lower your power bills this summer. Clark offers several ways to reduce summer cooling costs. Also, get notable savings with Visible’s new annual plans, plus new disclosures through broadband ‘nutrition’ labels.  

    Save On AC This Summer: Segment 1

    Ask Clark: Segment 2

    Visible Deals & New Broadband Labeling: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    How To Save Money on Utilities- clark.com

    6 Smart Ways to Cut Your Utility Bills

    Federal Tax Credits for Energy Efficiency

    Energy Efficient Home Improvement Credit

    HELOC vs. Home Equity Loan: Similarities and Differences

    Homeowners Insurance Archives - Clark Howard

    Company and Rating Search - Best's Credit Rating - AM Best

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

    Visible Review: 5 Things To Know Before You Sign Up

    Clark.com - CELL PHONES

    Broadband ‘nutrition’ labels are coming – here’s what you need to know

    FCC rolls out mandatory ‘nutrition labels’ for internet providers’ plans

    Should You Buy an Extended Warranty on Your Car?

    What Is an HSA Account and How Does It Work?

    Fidelity - Health Savings Account | HSA Investment Options


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  • As promised, today Clark shares his crazy (like a fox!) idea on how to fix the housing crisis.  Also - a warning about buying a code-share airline ticket. Know how code-share tickets work, and often, don’t work. 

    Clark’s Housing Market Fix: Segment 1

    Ask Clark: Segment 2

    Code-Share Airline Tickets: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Why many homeowners feel trapped by low-rate mortgages

    [The Washington Post] Inflation keeps coming in hot, likely delaying interest rate cuts

    Biden’s manufacturing industry is expanding. That could be bad for inflation

    3 Facts That Help Explain a Confusing Economic Moment

    10 Best New Products at Costco in April

    10 Secrets All Shoppers Need To Know About Costco

    Avoid the #1 Mistake That Car Buyers Make

    Simple vs. Compound Interest: Definition and Formulas

    Clark.com - How To Buy a Used Car

    How To Open a Roth IRA

    Help! Air Canada Ruined Our Trip to Ireland but Won’t Take the Blame.

    Codeshare Flights Explained - NerdWallet

    Follow Clark Howard's #1 Rule To Travel Cheap

    Hopper: Book Travel on Mobile


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  • 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:

    Clark Warns Major Changes To Credit Card Rewards Are Coming Soon

    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


    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