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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Later, everyone said the touchscreen ordering systems at places like McDonalds were going to cost jobs, but have they? Clark shares some interesting findings and historical perspective on how technology affects jobs.
    We’re off Thanksgiving week but will post some favorite episodes. If you’re shopping deals, make sure you’re subscribed to our Clarkdeals.com newsletter. The team will update deals all week, with the exception of Thanksgiving day. Happy Friday and enjoy the holiday!


    Clark Stinks: Segments 1 & 2

    Robotics, Efficiency & Jobs: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    5 Money Lessons From Clark Howard's Trip to Europe

    Changing Jobs? Don't Make This Costly Retirement Mistake

    What Can I Safely Use for Peer-to-Peer Payments?

    Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?

    12 Keys To Keeping Your Home Wi-Fi Network Safe and Secure

    Best Free Password Managers: 10 Top Picks

    5 Tips To Protect Your Digital Privacy

    Safe Browser Alternatives That Promise Not To Track You

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


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  • We’re one week out from Thanksgiving, and holiday shopping is in full swing. One thing to consider - return policies. Clark has a personal story to share that saved him big money. Also, this season of giving arrives with credit card debt at an all-time high. A Clark smart assignment for you. Return Policies: Segment 1Ask Clark: Segment 2Credit Card Debt: Segment 3Ask Clark: Segment 4Mentioned on the show:Phone Plan Finder – Find and Compare Phone Plans - Clark.comBudgeting Basics: What You Need To Know To Get StartedBest Budgeting Apps in 2024: Our Top 5Budgeting & Saving Archives - Clark HowardThe Best Place To Buy a MattressHow Can I Get Rid of My Old Mattress Cheaply?Should I Freeze My Credit With the Other Credit Bureaus?How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnionBest 529 College Savings Plans By StateShould I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later?Clark.com resourcesEpisode transcriptsCommunity.Clark.comClark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275Learn more about your ad choices: megaphone.fm/adchoicesDisclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.Learn more about your ad choices. Visit megaphone.fm/adchoices

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  • Today,  a special guest joins the show - Charis from our ClarkDeals team shares the best deals of the holiday season and what to look out for. Also today, Clark lends perspective on post election confusion around the stock market right now. 

    Holiday Deals: Segment 1

    Ask Clark: Segment 2

    Direction For Investors: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    CLARK DEALS

    How To Find Cheap Flights in 3 Easy Steps

    Best 529 College Savings Plans By State

    NYTimes: Even at a Time Like This, Slow and Steady Works in the Stock Market

    Invest & Retire - Clark.com

    Southwest Airlines $500 Email Delivery Gift Card

    Southwest Airlines: $500 eGift Card

    Credit Card Car Rental Insurance: What You Need To Know

    Is a HELOC a Good Idea? The Simple Answer

    HELOC vs. Home Equity Loan: Similarities and Differences


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  • Buying a home vs renting is a tougher decision these days, with several factors and new considerations to keep in mind. Also in this episode, since the long term care insurance industry is broken and financially prohibitive in its present collapsed state, how do you prepare for the assistance you may need in old age?

    Renting Vs Buying A Home: Segment 1

    Ask Clark: Segment 2

    Long Term Care: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Best Online Banks: Free Checking and High-Interest Savings Accounts

    Are You Actually Earning Cash Back on Groceries With Your Credit Card?

    Capital One Shakes Up Its 'Savor' Line of Credit Cards

    They Bought Insurance for Security in Old Age. They Got a Financial Nightmare Instead

    How Do You Prepare for the Likelihood of Long-Term Care Costs?

    Living Will and Durable Power of Attorney: Frequently Asked Questions

    CarMax vs. Carvana: A First-Hand Experience Selling a Car in 2024

    What's the Cheapest Way To Replace a Lost Vehicle Key Fob?

    3 Ways To Get a Free VIN Check Before Buying a Used Car


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  • Pensions are relics and 401(k)s are problematic. We need a rethink on how we save for retirement, and how we allocate those savings with the certainty that people won’t outlive their money. A solution is out there, and Clark shares that with you today. Also, Clark breaks down the paycheck-to-paycheck cycle many find themselves in, and how for some earners, it’s entirely possible to break that cycle. 

    Solving Saving For Retirement: Segment 1

    Ask Clark: Segment 2

    The Marginal Propensity To Consume: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Clark.com - INVEST & RETIRE

    The dangers of underestimating your retirement

    Annuities Aren’t the Problem. Commissions Are, Say These Industry Pros

    Best Financial Advisors in 2024

    Vanguard Personal Advisor Review

    What to Do When You're Being Harassed About an Old "Zombie Debt"

    10 Ways To Save on Prescription Drugs

    Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later?

    Best 529 College Savings Plans By State


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, the percentage of people being taken by scams continues to rise. Know how to recognize the common themes in prevalent scams right now in order to better protect yourself.


    Clark Stinks: Segments 1 & 2

    Scam Recognition-Prevention: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Consumer Reports: Best Most Reliable Used Cars

    Roth vs. Traditional 401(k): What's the Difference?

    How To Open a Roth IRA

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

    Should You Ever Book a Nonrefundable Hotel Room?

    What Is Umbrella Insurance and Do You Need It?

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

    Hang up on unwanted calls about loans

    Is that gift card helping your congregation or paying a scammer?

    Did you get a call or email saying you missed jury duty and need to pay? It’s a scam

    Americans can now renew passports online and bypass cumbersome paper applications

    Submit a complaint | Consumer Financial Protection Bureau


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  • It’s important to protect your privacy online and there are some simple things you can do to stop the sharing of your data when visiting websites. Also, Clark shares news on the state of the auto industry, and what it means for car buyers. 

    Protecting Online Privacy: Segment 1

    Ask Clark: Segment 2

    Auto Industry Update: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Safe Browser Alternatives That Promise Not To Track You

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

    7 Things To Know Before You Use Zelle

    Safer Ways To Send Money

    When Should You File a Claim on Your Homeowners Insurance?

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

    Should I Convert a Traditional IRA to a Roth IRA? - Clark.com

    How To Buy a Used Car - Clark.com


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  • Amazon and Walmart are retail behemoths in a market share fight, and Clark shares 2 new ways you can benefit, including a discount deal on gas. Also today, how much does mindset play into your success at work? More than you think!

    Amazon & Walmart+: Segment 1

    Ask Clark: Segment 2

    Positivity - It Really Works: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Amazon Prime introduces a new benefit to save on gas

    USA TODAY: Walmart unveils Black Friday plans: When customers can expect deals

    Amazon targets Aldi and Target with a new lineup of ‘no-frills’ groceries

    How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees

    Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels

    Phone Plan Finder – Find the Best Plan For You - Clark.com


    Cash Back Credit Card Calculator Tool / Clark - CALCULATORS



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  • Are you a part of the sandwich generation, caring for children and parents at the same time? Clark talks about the unique challenges involved, and ways to prepare if you foresee this often difficult squeezeplay in your future. Also today, as we move into the winter weather holiday travel season, Clark shares strategies for dealing with delayed or canceled flights.

    The Sandwich Generation: Segment 1

    Ask Clark: Segment 2

    Holiday Flight Tips: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    The Clark-Approved Way To Invest in Real Estate

    Roth vs. Traditional 401(k): What's the Difference?

    How and When To Refinance Your Mortgage: A Step-By-Step Guide

    How To Improve Your Credit Score in 5 Key Areas

    The Best Ways To Protect Yourself Against Airline Cancellations

    FlightAware - Flight Tracker / Flight Status

    AutoSlash Review: How To Save on a Rental Car

    Car Rental – Search, Compare & Save

    5 Things to Know About the Costco Car Rental Program

    Chase Sapphire Preferred® Card Review: What You Should Know About the Travel Card

    Travel Insurance: What You Need To Know Before You Buy

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

    How To Pack a Carry-On the Right Way

    4 Things You Should Always Pack in Your Carry-On


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  • A Special Veterans Day Thanks To All Who Have Served, Past, Present and Future.
    Today Clark goes back to basics, explaining how to determine if a robo advisor or a financial planner is best for you. Also, how rent control can distort a market and limit housing supply.

    Investment Advisors: Segment 1

    Ask Clark: Segment 2

    Rent Control: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Who Should Use a Robo-Advisor? (Clark.com)

    Investing: Self-Directed vs. Robo-Advisor vs. Financial Advisor (Clark.com)


    Robo-Advisors - Clark.com / 5 Best Robo-Advisors in 2024


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

    How Much Does a Financial Advisor Cost?

    Best Financial Advisors in 2024

    What’s the Best Place To Get Investing Advice From an Advisor if I Have Limited Assets?

    3 Places You Should Never Invest Your Money

    Stripe, Inc. | Better Business Bureau® Profile


    Good2GoMobile  / CELL PHONES - Clark.com


    Phone Plan Finder – Find the Best Plan For You - Clark.com

    Military and Veterans Guide: Free Resources for Your Finances

    25+ Places That Offer Discounts to U.S. Veterans


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark shares insights from his man on the street retirement survey. Hear the questions he put to those surveyed and see how your answers compare. 


    Clark Stinks: Segments 1 & 2

    What Clark’s Retirement MOTS Survey Reveals: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Walmart+ Membership Program: 4 Things To Know

    These Are the Credit Cards in Clark Howard's Wallet

    My 7 Rules for Using Credit Cards - Clark Howard

    Roth vs. Traditional 401(k): What's the Difference?

    Changing Jobs? Don't Make This Costly Retirement Mistake

    Should You Rollover Your 401(k) to a New Employer? How To Make the Right Decision

    What Should I Do With My 401(k) at My Old Company?

    What Is a Flexible Spending Account?


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  • A trend among young adults economists call “doom spending” is of concern. Clark addresses why this is happening and offers a different perspective. Also today - why it’s so important to be an advocate for yourself when it comes to your health, and Clark is living proof. 

    Costly Pessimism: Segment 1

    Ask Clark: Segment 2

    YOU Are Your Best Health Advocate: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Should You Ever Lease a Car?

    CarMax vs. Carvana: A First-Hand Experience Selling a Car in 2024

    How To Find a Trustworthy Mechanic

    We Tried to Shop Our Way to Cheaper Car Insurance. It Didn’t Work.

    How to Shop for Lower Car Insurance - Clark.com

    Car Insurance Archives - Clark Howard

    Axios: AI fuels cancer breakthroughs

    Future of Health | Medical & Healthcare News

    Roth vs. Traditional 401(k): What's the Difference?


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  • TV viewers endure an unrelenting barrage of pharmaceutical ads. A recent study reveals information about these ads that every consumer needs to know, plus hear Clark’s recommendation for vetting medicines. Also, mortgage holders with high interest rates are waiting to refinance, but there’s another payment strategy that can save you big bucks over time. 

    Drug Ad Deceptions: Segment 1

    Ask Clark: Segment 2

    Mortgage Pay Down Method: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    With TV Drug Ads, What You See Is Not Necessarily What You Get

    Price-Matching Policies at Walmart, Target and Other Top Stores

    How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees

    Use These Tips To Pay Off Your Mortgage Early


    Mortgage Calculator with Extra Payments / Calculators - Clark Howard


    What Are Index Funds?

    Investing & Retirement Archives - Clark Howard


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  • Today - remember shrinkflation? It’s not entirely over but some manufacturers have heard the complaints and are changing course. Also - There are sundry reports these days about post-pandemic young workers having difficulty landing jobs and adapting to new work places. Job interviews have changed and it’s vitally important to understand the basics of how to prepare and conduct yourself during an interview for employment. 

    Shrinkflation Reversal: Segment 1

    Ask Clark: Segment 2

    Job Interview Knowhow: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    HELOC vs. Home Equity Loan: Similarities and Differences

    Used Clean Vehicle Credit | Internal Revenue Service

    Not using these job interview tips can reduce your chances of getting that job

    The 10 most common job interview questions & how to answer them

    Video Interview Tips: How To Prepare

    Do I Need To Accept U-Haul Insurance When Renting a Moving Truck?

    Should You Get a Store Credit Card?


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  • The stock market is overvalued these days so many are concerned about a coming correction or bear market. Hear Clark’s take on how best to move forward with your investment goals. Also today, two ways of paying for items over time that Clark wholeheartedly does NOT recommend. 

    Clark Smart Investing: Segment 1

    Ask Clark: Segment 2

    2 Payment Schemes To Avoid: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Investing & Retirement Archives - Clark Howard

    Warning: How To Avoid Buying a Flood-Damaged Car

    Lemon laws: These states do the best job protecting consumers in new car purchases

    Chase Credit Cards Will No Longer Be an Option for These Payments

    Why 'Buy Now, Pay Later' Worries Clark Howard

    When does a 0% purchase plan make sense for you?

    Best Credit Cards With No Foreign Transaction Fees in 2024

    The Platinum Card® from American Express Review 2024: Is It Worth It?

    BBB-File a Complaint

    Is One Medical Membership for Prime Members Better Than a Health Concierge?

    Should You Buy Gold at Costco?

    Warning: How You Should NOT Buy Gold


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  • Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark compares the cost of food prepared at home vs eating out. New data on total meal spending shows where we can save more on overall food costs. Clark Stinks: Segments 1 & 2Save On Food Costs: Segment 3Ask Clark: Segment 4Mentioned on the show:401(k) Rollover: How To Roll Over a 401(k)How Much of Each Paycheck You Should Save or Invest10 Ways To Save on Prescription DrugsAndroid’s theft protection features keep your device and data safe7 Places to Get the Best Deals on Lab-Created DiamondsThe Best Time and Place To Buy an Engagement RingUSDA Food Plans: Monthly Cost of Food ReportsWhat You Need To Do if Your Phone Gets Lost or StolenCredit Karma Review: Free Credit Score and More at Your FingertipsClark.com resourcesEpisode transcriptsCommunity.Clark.comClark.com daily money newsletterConsumer Action Center Free Helpline: 636-492-5275Learn more about your ad choices: megaphone.fm/adchoices______________________________________________________________Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.Learn more about your ad choices. Visit megaphone.fm/adchoices

  • Home Depot is doing something that all employers should do. Clark talks about what distinguishes a winning corporate culture. Also today, Help Wanted: electricians, plumbers, CPAs, air traffic controllers, police officers and more. Clark shares opportunities for employment that empower workers to create financial security and personal wealth. 

    Employers Should Know: Segment 1

    Ask Clark: Segment 2

    Employment Opportunities: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    AutoSlash Review: How To Save on a Rental Car

    SIXT rent a car | Premium Car Rental & Top Deals Worldwide

    4 Things You Should Always Pack in Your Carry-On

    How to Freeze Your Child's Credit

    How To Build Your Credit Score from Scratch

    How To Open a Roth IRA

    Target Date Funds: Clark's Favorite Retirement Investment


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  • Clark discusses the societal changes in how college costs are trending now, the existing burden of student loan debt, and the best way to save in a 529 Plan. Also today, Clark has news on the car insurance front. The cycle has turned. Brace for good news and know how to make the most of it.

    How To Choose A 529 Plan: Segment 1

    Ask Clark: Segment 2

    Auto Insurance Update: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Best 529 College Savings Plans By State

    How To Save Money With Google Flights

    Roth vs. Traditional 401(k): What's the Difference?

    How to Shop for Lower Car Insurance (Clark.com)

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

    What Is a Good Credit Score?


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  • Not only does carrying the burden of debt create an enormous amount of stress, but a new poll shows that it affects so much more. Clark discusses how it can even affect your career mobility. Also, Clark talks about the best deals in reliable used cars right now.

    Debt Paralysis: Segment 1

    Ask Clark: Segment 2

    Best Deals In Used Cars: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Debt Archives - Clark Howard

    Should You Ever Book a Nonrefundable Hotel Room?

    Your Guide to DIY Home Security Systems

    What's the Best Way To Send Money Overseas?

    Best Credit Cards With No Foreign Transaction Fees in 2024

    How To Buy a Used Car (Clark.com)

    Gablok : the story of an insulated block


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    Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.
    Learn more about your ad choices. Visit megaphone.fm/adchoices

  • Yesterday Clark talked about using credit cards responsibly to your advantage. Today Clark discusses why he refers to the debit card as a “piece of trash fake Visa”.  Know the risks of debit card use.  Also - The big pharmacy chains are closing hundreds of stores, and Clark wants to make sure you’re aware of another option for lower cost prescriptions that’s also convenient.

    Piece Of Trash That Burns Your Cash: Segment 1

    Ask Clark: Segment 2

    Rx For Less: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Victim of fraud? Protections are different for debit, credit cards.

    Do Debit Cards Still Stink in 2024?

    The Safer Way To Use Your Debit Card

    Why Clark Is Prepared To Break His 'No Debit Cards' Rule

    HELOC vs. Home Equity Loan: Similarities and Differences

    Home Equity Loan Calculator - Clark Howard

    Hello Mobile Review: 5 Things To Know Before You Sign Up

    The Best Talk & Text Only Phone Plans (No Data)

    Phone Plan Finder – Find the Best Plan For You - Clark.com

    Best Phone Plans: Get Exactly What You Want at the Cheapest Price

    10 Ways To Save on Prescription Drugs (Clark.com)

    Warning: One Way You Should Almost Never Fill Prescriptions

    How Can Discount Drug Apps Offer Such Big Savings on Prescription Medications?

    Here's How Long Your Home Appliances Should Last

    Homeowners Insurance Archives - Clark Howard


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