The Clark Howard Podcast

10 Essential Duties of a Real Fiduciary Financial Advisor (It’s Not Just Investing)

If you think a financial advisor’s only job is to pick stocks, you’re missing out on the most valuable services a true fiduciary provides. In this episode, Wes Moss breaks down the ten essential roles a fee-only advisor should play. Whether you are engineering a retirement cash flow or navigating the emotional rollercoaster of market volatility, learn why a real fiduciary is your "personal CFO" for every major life decision, not just your investment portfolio.
Mentioned on the show:

• What Is a Fiduciary Financial Advisor and Do I Need One?
• Best Financial Advisors in 2026 - Clark Howard
• How To Find and Choose a Financial Advisor - Clark Howard
  

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 19, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!

Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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

Recent financial statistics reveal something highly disturbing: The average American saves just 4% of their pay. Saving just four cents of every dollar earned is inadequate to provide long-term security and leaves the majority of the country living on the edge of a financial cliff. If you find yourself stuck in this cycle, it is time to embrace the "penny-at-a-time" strategy.  Also, the upcoming Memorial Day weekend brings massive sales events at furniture stores. The industry is flat on its back due to a frozen housing market, with many retailers in acute financial distress. If you’re in the market for furniture, know how to play the pay game strategically to avoid getting burned.

• Average Saving Doesn’t Cut It: Segment 1
• Ask Clark: Segment 2
• Warning: Furniture Sales: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 4 simple ways to start saving
• Save Money Archives - Clark Howard
• Simple Trick To Pay Down Credit Card Debt Quicker - Clark Howard
• What Brokerage Do You Recommend for First-Time Investors or Kids?
• 4 Types of Term Life Insurance Companies Explained - Clark Howard
• Why You Need To Check Your Credit Report Today - Clark Howard 
• NYTimes: America’s Furniture Stores Struggle to Survive a Frozen Housing Market
• 5 Things to Know About New Settlement That Could Change Credit Card Rewards
• SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About
• This Simple iPhone Update Stops Dangerous Spyware From Stealing Your Data
• What Is a Passkey and How Do Passkeys Work? 

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also, a knock on your door from a roofer claiming they’ve spotted hail damage via drone might feel like a lucky break, but it’s often a trap. While the idea of getting a "free new roof" is tempting, filing small or questionable claims is an abuse the industry no longer tolerates. Clark’s home insurance philosophy is an essential must-know to protect your wallet.

• 
  Clark Stinks: Segments 1 & 2
• Hail Damage Claims: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 10 Ways To Save on Prescription Drugs - Clark Howard
• Why You Should Consider Security Cameras (Without the Monthly Subscription)
• 6 Cheap DIY Home Security Systems - Clark Howard
• Why Study Abroad Can Lead To Higher Starting Salaries For U.S. Graduates - Forbes
• Clark Howard: Habitat for Humanity  / Habitat
• Rethinking Homeowners Insurance: The Catastrophe-Only Rule
• When Should You File a Claim on Your Homeowners Insurance?
• Homeowners Insurance Archives - Clark Howard 
• Where Should You Keep Your Cash Reserve? - Clark Howard
• Scam Alert: New ‘Party Invite’ Message Can Empty Your Bank Account

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

While Congress has made it easier than ever to access 401(k) funds through hardship withdrawals, this can be a dangerous trap for your future self. Losing out on decades of compounded interest has long-term consequences. Before you hit retirement savings to cover a financial bump, use the Team Clark 401(k) Loan Calculator to see the true cost of that withdrawal – it might just convince you to find another way to bridge the gap.  Also, Clark breaks down how Amazon has partnered with vehicle brands in new markets, offering another option for more streamlined car buying. Know how to bypass the gimmicks and games to get a fair price on your next vehicle.

• 401(k) Loans: Segment 1
• Ask Clark: Segment 2
• The Car Buying Process: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Is a 401(k) Loan a Good Idea? Almost Never - Clark Howard
• 401(k) Loan Calculator (Clark.com)
• Clark Howard's Special Rule for Refinancing Your Mortgage
• Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option
• Why You Should Never Store Your Payment Information Online
• Top 7 Ways To Shop Safely Online - Clark Howard
• Why Amazon and Costco May Be The Best Ways to Buy Your Next Car
• The Best Car-Buying Services - Clark Howard
• Report: 4 Used Electric Vehicles Under $25,000 - Clark Howard
• What Mileage Should I Target on a Used Electric Vehicle?
• CR - Used Hybrids & EVs Ratings 
• SIXT+ | Your Car Subscription
• Should You Ever Lease a Car? - Clark Howard 

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Clark Howard & Wes Moss: Your Top Money Questions Answered!

In this special episode, Clark Howard and Wes Moss join forces to answer real-world money questions from people just like you. No jargon, no fluff – just actionable advice to help you reach your goals faster.

Mentioned on the show:

• Roth 401k Calculator - Clark Howard
• Roth vs. Traditional 401(k): What's the Difference? - Clark Howard
• Why Clark Howard Is Obsessed With Roth for Retirement Savings
• Backdoor Roth IRA: How High Earners Can Still Contribute

All this and more on the May 12, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!

Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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

In today’s real estate market, you can get burned trying to “flip” homes. The reality of today’s market means the math rarely works for the average investor. Clark explains when we’ll see a healthy environment for investment. Also - The job market is wide open for those willing to roll up their sleeves. Despite foreboding headlines warning of grim prospects for graduates, young people are finding employment more easily than expected. This is especially true for teens looking for summer work. Due to labor shortages in the hospitality and restaurant industries, jobs are readily available. Clark discusses  where the summer (and year round) jobs are now. 

• Real Estate Investing: Segment 1
• Ask Clark: Segment 2
• Where The Jobs Are: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Should You Pay Off Your Mortgage or Invest?  /  Calculator - Clark Howard
• Why Your Teen Needs a Summer Job
• Jobs Archives - Clark Howard
• Authorized User vs. Joint Account Holder - Clark Howard
• How To Prevent, Report and Repair Identity Theft - Clark Howard
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Who Controls Gas Prices in the US? / NYT: Why Gas Prices Go Up Fast & Fall Slowly
• How To Save Money on Gas: 23 Ways - Clark Howard
• Don't Get Dinged at the Gas Pump by This Visa and Mastercard Policy
• Are You Getting the Best Discount Possible on Your Gas?
• Clark Howard's 'Half-Tank' Strategy To Save on Gas 

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also, deciding whether to throw extra cash at your mortgage or funnel it into the stock market is one of the most debated dilemmas in personal finance, especially now that nearly a quarter of homeowners are carrying rates at 6% or higher. While Clark despises debt and champions the psychological freedom of owning your home free and clear, it’s vital to balance that achievement with the mathematical reality of long-term financial security. Clark offers guidelines for creating your financial priorities, including Team Clark’s new Pay Off Mortgage or Invest Calculator, to help make sure your money is working as hard as possible for the future.

• Clark Stinks: Segments 1 & 2
• Financial Priorities: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 
  What’s the Total Value of the Capital One Venture X Rewards Credit Card Perks?
• Top 10 Perks of the Capital One Venture X Rewards Credit Card 
• Report: How Much You Need To Save in Each State To Retire Comfortably
• Best Prepaid Cards: Top Debit Card Alternatives - Clark Howard 
• Should You Pay Off Your Mortgage or Invest? - Clark Howard 
• Pay Off Mortgage or Invest Calculator (Clark.com)
• When You Should (and Shouldn't) Use a 529 Plan - Clark Howard
• Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans
• How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard
• Best Term Life Insurance Companies, Plans & Coverage
  

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Health care costs in America have reached a breaking point, with many being forced to drop costly medical insurance entirely. But whether you’re insured or paying out of pocket, you have more power than you think. Today, Clark discusses a key practice you can incorporate to help  manage the high cost of health care. Also, we are currently in a period of intense retail instability. Clark explains how your gift cards can become worthless overnight, so in the interest of not wasting money - Clark has an urgent assignment for joyful spending - of gift cards that is. 

• Healthcare Cost Strategy: Segment 1
• Ask Clark: Segment 2
• Use Or Lose Gift Cards Stat: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Health care sticker shock has become the norm, but talking to your doctor about costs can help you rein it in — The Conversation⁠
• What Is an HSA Account and How Does It Work? - Clark Howard
• Are Extended Warranties Ever Worth It? - Clark Howard
• How to Freeze Your Child's Credit - Clark Howard
• Why You Need To Use Your Gift Cards ASAP - Clark Howard
• 10 Secrets All Shoppers Need To Know About Costco - Clark Howard
• Ting: Fire Prevention & Power Outage Alerts
• How To Lower Your Property Taxes in 4 Steps - Clark Howard

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

What Will Our College Grads Do for Work? & Is the U.S. Dollar Dying?

In this episode, Wes Moss debunks two of the biggest myths in the economy right now. First, Wes looks at the actual data behind youth unemployment. Despite the rise of AI, the numbers for college grads aged 22–27 remain remarkably stable. Wes explains why the labor market is far more dynamic than the "net new jobs" headlines suggest – and why there is plenty of reason for parents to be optimistic about their children's careers. Also, Wes addresses the "Death of the Dollar." From global trade invoices to commodity pricing, Wes breaks down why the U.S. Dollar remains the undisputed heavyweight of the global economy, despite the constant "De-dollarization" doom-talk in the news.

Mentioned on the show:

• YCharts - Financial Research and Proposal Platform
• Review and Rebalance Your Portfolio With X-Ray’s New Holdings Breakdown

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 5, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!

Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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

There’s a new scam hitting inboxes that several of our team members admit would have fooled them. Digital thieves are sending fake party invitations that appear to be coming from your friends. After hacking into email contact lists, scammers send out deceptive invites to download viruses onto your device, giving them access to your financial accounts and private emails. Know what to do before clicking any links. Also today, learn - how to tell if a debt collector is legit, actionable strategies if faced with collector harassment, and where to turn for legitimate help paying off debt. 

• The Party Invite Scam: Segment 1
• Ask Clark: Segment 2
• Debt Collection & Debt Relief: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Scam Alert: New ‘Party Invite’ Message Can Empty Your Bank Account
• Fraud Is Skyrocketing: 5 Ways To Protect Your Hard-Earned Assets
• Why You Should Never Click on Random Text Messages
• The Best Place To Buy a Mattress - Clark Howard
• Which Documents Should You Keep and for How Long?
• How To Send a 'Drop Dead' Letter to a Collection Agency   
• What to Do When You're Being Harassed About an Old "Zombie Debt"
• 6 Things To Know Before Contacting the National Foundation for Credit Counseling
• Avalanche vs. Snowball: Which Debt Payoff Method Is Best?
• How To Build Your Credit Score from Scratch - Clark Howard

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - While the widespread adoption of security cameras has revolutionized public safety, their application is spurring privacy debate throughout the country.  The rules of engagement for our data are dangerously lacking. It's time to demand clear state and local laws that delineate how this data is stored and shared, especially when private businesses are involved. 

• Clark Stinks: Segments 1 & 2
• Security Camera Privacy Backlash: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Simple Trick To Pay Down Credit Card Debt Quicker - Clark Howard
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Should I Freeze My Credit With the Other Credit Bureaus?
• Privacy vs. Protection: Where Should We Draw the Line on Security Cameras?
• What Is a Roth 401(k) and How Does It Work? - Clark Howard
• Target Date Funds: Clark Howard's Favorite Retirement Investment
• How To Choose Funds in Your 401(k) (and How Not To)
• Fidelity Investments Review: Pros & Cons - Clark Howard
• Best 529 College Savings Plans By State
• Life Insurance Archives - Clark Howard

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Now is a good time for some financial spring cleaning. Take a close look at your bank statements to identify any "subscription creep" draining your wallet. Clark shares a pro-tip to simplify tracking expenses so you know exactly where your money is going every month. Also, a timeshare by any other name — like "vacation plan" — is still a timeshare. And they have seen a massive resurgence. Big-name hotel brands have revamped these contracts, offering "points" and flexibility instead of the old-school fixed week and location. Clark’s advice remains unchanged: don't let the lure of escapism turn into a permanent financial obligation you can't escape.

• Financial Spring Cleaning: Segment 1
• Ask Clark: Segment 2
• Timeshare Resurgence -Warning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 7 Ideas for Saving Money on Your Streaming TV Bill in 2026
• How To Manage Your Monthly Subscriptions To Save Money
• 7 Types of Subscriptions You May Want To Cancel Today
• How To Get a Gym Membership for Practically Free - Clark Howard
• What Is Service Line Insurance and Do I Need It? - Clark Howard
• Why Vacation Clubs Are Even Worse Than Timeshares
• How To Sell, Cancel or Get Rid of Your Timeshare - Clark Howard
• 5 Money Tips To Know Before You Travel Abroad - Clark Howard

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Why Retirement Confidence Is Plunging & Fiduciary vs. Financial Advisor

Wes Moss breaks down a troubling shift in the American economy: the rapid decline of retirement confidence. Drawing on three decades of data from the Employee Benefit Research Institute (EBRI), Wes highlights a staggering trend where worker confidence has dropped in 2026. This pessimistic outlook is mirrored by the University of Michigan Consumer Sentiment index, which has hit an all-time historical low. Wes identifies the primary culprit. Also, Wes tackles the crucial question of who you should trust to manage your money during these uncertain times. He demystifies the industry by comparing financial advisors to peppers in a grocery store: while they may look identical on the outside, their "heat" levels vary wildly. Wes discusses why transparency is key and provides actionable advice on how to check your advisor's contract to ensure your investments are working for you, not for your advisor's bottom line.

Mentioned on the show:

• WSJ - America’s Most Tortured Retirement Regulation Is Struck Down (Again)
• How To Find and Choose a Financial Advisor
• Best Financial Advisors in 2026 - Clark Howard
• What Is a Fiduciary Financial Advisor and Do I Need One?
• What Is an HSA Account and How Does It Work? - Clark Howard

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 28, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!
Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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

Many Americans reaching millionaire status still feel like they are standing on shaky financial ground. Clark explains the psychological and cultural traps that can keep high earners feeling insecure - and how the "bear preparing for winter" strategy can build financial confidence. Also, with all the job scams and ghost job listings out there now, how do you know an opportunity is real?  Whether seeking career change or a part-time gig, con artists are using fake listings to harvest your identity and your money. Clark reveals the red flags to watch for, including the essential "verify before you apply" workflow.

• Financial Confidence: Segment 1
• Ask Clark: Segment 2
• Job Scams: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• High-Income But Low Confidence? This 5-Point Plan From a Financial Planner Can Fix That
• Credit Cards That Can Beat 2% Cash Back on Everyday Purchases
• Earn a $200 Cash Bonus With This Credit Card - Clark Howard
• Where Should I Set Up My Health Savings Account (HSA)?
• Clark.com - CREDIT CARDS
• How to avoid a side hustle scam
• Why You Should Keep Old Credit Card Accounts Open - Clark Howard
• How and When To Cancel a Credit Card - Clark Howard
  

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - it’s prom season, and so many kids and parents are breaking the bank to pay for it!  Prom has officially turned into a high-pressure, "red-carpet" event driven more by social media likes than actual memories. Clark is here to tell you that you don't have to go into debt to have a great time. 

• Clark Stinks: Segments 1 & 2
• Prom Spending: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The Best Car-Buying Services - Clark Howard
• These Credit Cards Are America’s Favorites on Latest Consumer Survey
• These Are the Most and Least Expensive States for Home Insurance
• 9 Ways To Pay for College Without Student Loans - Clark Howard
• My Tax Preparer Made a Mistake: What Can I Do?
• Best Sites to Start an LLC - We Ranked Them All

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Clark takes on the touchy subject of merging finances with a significant other. The transition from financial independence to shared responsibility requires planning and ongoing conversations. Clark warns that silence is the enemy of a healthy relationship. Also today, Clark revisits the popular dream of retiring on a cruise ship. While "living at sea" was once considered a brilliant financial hack, the post-COVID landscape has changed the math entirely. Clark breaks down the current reality.      

• Couples & Finances: Segment 1
• Ask Clark: Segment 2
• Cruise Ship Residency: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark Howard's 5 Money Tips for Couples
• Backdoor Roth IRA: How High Earners Can Still Contribute
• Roth vs. Traditional 401(k): What's the Difference? - Clark Howard
• My Teenage Daughter Just Got $2,000. Should I Open a Bank Account for Her?
• Living on a Cruise Ship in Retirement: A Brilliant Hack or a Costly Mistake?
• Elliott Report: Home
• Unclaimed Money: How To Find and Claim Missing Funds for Free
• Going™ | Flight Alerts, Mistake Fares & Cheap Tickets

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Why Successful People Struggle With Retirement & What’s Going On With the Economy?

In this episode, Wes tackles the psychological hurdle that many high-achievers face when they finally reach the "Retirement Green Zone." After decades of using hard work, discipline, and ambition to build a nest egg, it can be incredibly difficult to simply turn that drive off. Wes discusses the "ambition guilt" that many retirees feel when they pursue creative hobbies or passions that don’t generate a paycheck. Rather than viewing this transition as "lowering" your ambition, Wes argues that the key to a happy retirement is rechanneling that legendary work ethic into areas that feed your soul instead of your bank account. Also, it can feel like we’re in a confusing state of the 2026 economy, where record-breaking corporate data seems at odds with the reality on the ground. While U.S. company profits soared by 26% in late 2025 and nominal GDP has grown significantly since 2019, many consumers are still feeling the weight of high prices. Wes explains how we are living in a "K-shaped" economy and breaks down what these disparities mean for your wallet and how to navigate an environment where productivity is higher than ever, but the benefits aren't being shared equally.

Mentioned on the show:

• How I Became Less Ambitious—and Happier—in Retirement
• Pension vs Lump Sum Calculator - Clark Howard

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 21, 2026, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!

Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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

Security cameras can work well to help protect your home and safety. Clark references Consumer Reports and CNET reviews highlighting quality, DIY camera options that offer motion alerts and peace of mind without the recurring bill.  Also today - Online purchases mean delivery decisions, amid offerings of ultra-fast delivery from Amazon and its e-commerce competitors. Clark warns that there is nothing "free" about shipping. The trend is to receive items the day you order them, often in hours. But there’s another option that goes the opposite way - delayed delivery for less money. That trend is your friend.         

• Home Security: Segment 1
• Ask Clark: Segment 2
• Delivery Options: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Best Home Security Cameras Without a Subscription, Tested and Reviewed (Consumer Reports)
• Best Home Security Cameras Without Subscriptions in 2026
• 5 DIY Home Security Upgrades That Can Lower Your Insurance Premium
• American Agency System: Independent Insurance Agents Explained
• What Is Identity Theft Insurance and Should You Buy It?
• How To Prevent, Report and Repair Identity Theft - Clark Howard
• The 20 Cheapest Cars To Insure In 2026, Ranked
• 5 Best Grocery Delivery Services - Clark Howard
• How To Get a Free Credit Report - Clark Howard
• Credit Karma Review: Free Credit Score and More at Your Fingertips
• NIH Clinical Research Trials and You / ClinicalTrials.gov: Home
• The Complete Guide to Traveling With Your Dog

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - the travel industry’s ongoing reaction to rising fuel costs calls for new guidance for booking travel. Clark reveals why he never starts his search on an airline’s website and how a simple shift in your booking psychology can save you hundreds.

• Clark Stinks: Segments 1 & 2
• New Rules Of Travel: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• IRS - 2026 Charitable contributions
• SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About
• How Passkeys Work—and How to Use Them
• Storage Unit Prices Keep Going Up. Is There a Better Way To Store My Possessions?
• eBay Motors and WeGoLook Partner to Provide Onsite Inspections for Vehicles
• The Details on Transferring 529 Funds into a Roth IRA
• The Tax-Saving Charity Funds Wealthy People Are Buzzing About
• Airfares Skyrocket as Carriers Tackle Rising Fuel Costs
• Clark Howard’s Secrets to Beating Sky-High Airfares and New Hidden Fees
• Follow Clark Howard's #1 Rule To Travel Cheap  
• 4 Ways To Fight Sky-High Airfares This Summer
• Is ID.me Safe?   /   About ID.me

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

The real estate market is traditionally at its height in the spring. This year, AI is factoring into home sales in two distinct ways. While AI slop infests listings, AI is improving the mortgage approval process. Know what to look out for as a homebuyer.  Also, is studying abroad worth the cost? At a time when grads’ job prospects are jumbled by market upheaval, a new study shows that a semester overseas can boost a graduate's starting salary by thousands. And the advantages don’t end there. Clark explains how some students are taking the idea a step further.

• AI In Real Estate: Segment 1
• Ask Clark: Segment 2
• Study Abroad - OUI!: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Why You Can No Longer Trust Real Estate Photos⁠
• The Unsettling Rise of AI Real-Estate Slop
• 3 Places You Should Never Invest Your Money - Clark Howard
• What Is Umbrella Insurance and Do You Need It? - Clark Howard
• Why Study Abroad Can Lead To Higher Starting Salaries For U.S. Graduates - Forbes
• Preparing to study abroad requires knowing what might go wrong during and after the trip
• NYTimes: How to Prepare for Your First River Cruise
• When Do You Need a Travel Agent? - Clark Howard
  

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

How To Find (and Afford) Your Dream Home in Retirement

Deciding where to spend your retirement is one of the most significant transitions you’ll ever make, but it requires a systematic approach to get it right. Whether you plan to stay in your current home or relocate to a new destination, your environment directly impacts your long-term happiness. In this episode, Wes Moss shares tips to find – and afford – your dream community in retirement. Many retirees face the "housing overlap headache," where you find your new home in five minutes, but it takes five months to sell your old one. If you don't want to carry a mortgage or trigger a "tax tsunami," Wes breaks down a strategy that can help.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 14, 2026, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!
Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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

One in five Americans uses self-storage units. How do you avoid rip-offs in an industry long characterized by bait & switch tactics? Learn Clark’s strategies for avoiding such price hikes, and essential steps for protecting your belongings. Also, you may have seen the news stories about the late Jimmy Buffet’s family doing battle over his estate. Believe it or not, this type of situation is not that rare. The "Great Wealth Transfer" has ushered in a surge of estate disputes. Clark shares how smart planning now can help prevent family conflicts and legal fees from eroding your legacy.

• Self-Storage Savvy: Segment 1
• Ask Clark: Segment 2
• Prevent Estate Battles: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Do You Really Need a Storage Unit?
• 5 Things To Do Before You Rent a Storage Unit
• FT - Overcharged for Storage? U-Haul 1-Year Price Lock Delivers Certainty
• Storage Unit Prices Keep Going Up. Is There a Better Way To Store My Possessions?
• The Costco Price Secret Almost Nobody Knows - Clark Howard
• Emergency Fund: Everything You Need to Know - Clark Howard
• How To Prevent an Inheritance Nightmare
• USA TODAY: Why inheritances are generating more bad blood and legal fees
• 7 Things to Consider Before Leaving Your Home to Your Kids
• Why Clark Howard Wants You to Set Up a 'Financial Chromebook'
• My Social Security: The Free Account Everyone Needs To Set Up Before Retirement

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - Scam artists are getting more sophisticated and they’re targeting your retirement funds. Clark explains this digital crime wave and how fraudsters are using sophisticated tools & tricks to get into your accounts. The first step in protecting your money is being aware of some of the latest techniques these criminals use. 

• Clark Stinks: Segments 1 & 2
• Scam Vigilance: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 5 Best Robo-Advisors - Clark Howard
• When Is the Best Time To Collect Social Security? - Clark Howard
• Term Life vs. Whole Life Insurance: Understanding the Difference
• How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard
• Fraud Is Skyrocketing: 5 Ways To Protect Your Hard-Earned Assets
• Why You Should Never Click on Random Text Messages
• thestreet: Vanguard warns fraud is quietly draining retirements now
• Protect Your Rights & Identity Archives - Clark Howard
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Virtual Credit Cards: An Online Security Measure Worth Taking?
• Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Today - if you’ve been planning summer travel, you may have sticker shock from hotel & airfare costs. Travel inflation is real, so it pays to know Clark’s  "Golden Rules" for booking to ensure you don't overpay. Also, Clark discusses the growing movement to ban cell phones in schools, restaurants, and concert venues. Some businesses and artists are jumping on the cell phone BAN-wagon. 

• Flight & Hotel Booking: Segment 1
• Ask Clark: Segment 2
• Cell Phone Bans: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Follow Clark Howard's #1 Rule To Travel Cheap
• The Best Way to Find Hotel Deals When Prices Are Sky-High
• Hopper | Book Hotels, Flights, Car Rentals & More
• How To Pack a Carry-On the Right Way - Clark Howard
• Protect Your Identity Archives - Clark Howard
• Why You Need To Lock Your Brokerage Account Today
• How To Find and Choose a Financial Advisor
• Which Documents Should You Keep and for How Long?

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Young Investors Are Taking Big Risks & Costly Pension Mistake

Are you feeling financially behind? You aren’t alone. Wes Moss reveals that a staggering 73% of Americans feel like they are losing the financial race — and why the "solution" many are turning to is actually a dangerous trap. Wes explains how to leverage your greatest asset to build real, lasting wealth through patient accumulation. Also, Wes tackles the "Pot of Gold" syndrome that haunts retirees. A study from MetLife shows that one in five Americans who receive a pension lump sum run out of that money in an average of just four years. Learn how to protect your future by turning a one-time lump sum into a permanent stream of financial freedom.

Mentioned on the show: How To Turn Part of Your Nest Egg Into a Pension

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 7, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. 

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!

Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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

Investing has never been cheaper - or more expensive - depending on where you choose to grow your money. What to know to be a Clark Smart investor. Also - Should you use ChatGPT Health? While AI is revolutionizing medical research and helping patients find specialized care - this all comes with a warning. 

• Investing Expenses: Segment 1
• Ask Clark: Segment 2
• AI & Health Monitoring : Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 
  Best Investment Companies for Investors in 2026 - Clark Howard
• How To Invest for Absolutely Free in 2026
• What Fee Percentage Is Too High for Your Investments?
• What Brokerage Do You Recommend for First-Time Investors or Kids?
• Barrons: Commission-Free Annuities Are on the March. When They Make Sense.
• How To Find and Choose a Financial Advisor
• How To Roll Over U.S. Savings Bonds Into a 529 Plan
• Best Term Life Insurance Companies, Plans & Coverage
• AMEX - What is Send & Split?
• WPost- I let ChatGPT analyze a decade of my Apple Watch data. Then I called my doctor.
• Kardia Mobile EKG Monitor
• The Cheapest Grocery Stores - Clark Howard
• Best 529 College Savings Plans By State
• Where Should I Set Up My Health Savings Account (HSA)?

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - security risks keep morphing via phone and/or account takeover attempts. Clark covers a specific threat targeting iPhone users and the simple fix, plus - the next generation of online security – Passkeys.

• Clark Stinks: Segments 1 & 2
• Prevent Hackers: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Buy Now, Pay Later: A Helpful Tool or a Debt Trap? - Clark Howard
• Roth IRA Withdrawal Rules
• What Is a Credit Union? - Clark Howard
• Why Clark Howard Thinks You Need a Digital Passport
• Best Free Password Managers: 10 Top Picks - Clark Howard
• New Ways to Keep Your Online Accounts Safe
• Military and Veterans Guide: Free Resources for Your Finances
• Charitable Contributions Deduction: What It Is and How It Works
• Understanding Donor-Advised Funds: Pros and Cons
  

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Adjustable-rate mortgages (ARMs) are booming again, but Clark has a major warning: this "oldie but baddy" could be a financial time bomb. Clark breaks down why banks are pushing ARMs, who they actually work for (a narrow group indeed), and the "reset" risk that could cost you your home. Also, health insurance has become insanely expensive. Many Americans are skipping meals just to pay for healthcare. Clark discusses why catastrophic-only plans are a dangerous gamble and identifies the real culprit behind our skyrocketing medical bills.

•  Danger: Adjustable Rate Mortgages: Segment 1
• Ask Clark: Segment 2
• High Deductible Health Plans: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Adjustable-Rate Mortgages Are Popular Again – Here’s Why You Need To Be Careful
• NYTimes: A Third of Americans Have Cut Spending or Borrowed Money for Health Care
• NYTimes: New A.C.A. Plans Could Increase Family Deductibles to $31,000
• What Is an HSA Account and How Does It Work? - Clark Howard
• How to Deal With Medical Debt - Clark Howard
• Will Mark Cuban's Prescription Company Really Save You Money?
• 10 Ways To Save on Prescription Drugs - Clark Howard

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

The Hack That Turns Trump Accounts Into $3M Nest Eggs & Retire Sooner Method vs. FIRE

Wes Moss breaks down a powerful financial "hack" involving the new Trump Accounts that could change the trajectory of your family’s wealth forever. By shifting the conversation to a "Year 0" savings plan, parents and grandparents can use these accounts to kickstart a child's financial life from the day they are born. It’s a dramatic shift in how we think about retirement, proving that the one thing we can truly control is the amount of time we allow our money to grow. Also, Wes tackles the growing divide between the "Retire Sooner" method and the popular FIRE (Financial Independence, Retire Early) movement, which over half of Gen Z now claims to follow. While the FIRE movement often requires hyper-lean budgeting, high savings percentages, and extreme deprivation to retire by 40, Wes argues for a more realistic and sustainable approach.

Plus, Mallory shares your #AskWes questions and Wes gives his take. All this and more on the March 31, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.     

Note: Christa will be back on Ask an Advisor next week!

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!

Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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

It’s always been important to monitor your credit reports, and now - more so. The number of inaccuracy complaints is up dramatically, and such mistakes can impede your ability to buy a home, get a car, or even land a job. Clark shares the latest research on how the bureaus are responding (or not) and offers direction for dealing with credit report errors. Also - Pressures in the chip industry have led to shortages and higher costs for smart phones. Should you upgrade now or wait?    

• Credit Bureau Errors: Segment 1
• Ask Clark: Segment 2
• The Price Of New Cell Phones: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Report: Worst Credit Bureau for Resolving Errors (and How To Fight Back)
• Experian and TransUnion Are Leaving More Mistakes on Credit Reports — ProPublica
• Why You Need To Check Your Credit Report Today - Clark Howard
• Can a Credit Bureau Share My Personal Information, Including My Social Security Number?
• What Is a Good Credit Score? - Clark Howard
• Clark Deals: Cell Phones & Smartphones Archives
• 5 Tax Scams You Need To Watch Out for in 2026 - Clark Howard
• What's the Best Savings Account for a Teenager? - Clark Howard
• What Brokerage Do You Recommend for First-Time Investors or Kids?

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - the American 401(k) is a tale of two economies. While the average balance grew by a staggering amount in 2025, more workers than ever are "raiding" their accounts to cover short-term needs. Our “Man From Roth” explains the best approach for maximizing your retirement investments, while minimizing future taxation.

• Clark Stinks: Segments 1 & 2
• 401(k) Guidance: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark Deals - Today's Best Deals of the Day
• 5 Best Grocery Delivery Services - Clark Howard
• My 7 Rules for Using Credit Cards - Clark Howard
• Best Place To Sell Your Gold
• What You Need To Know About the Fidelity Cash Management Account
• 5 Money Tips To Know Before You Travel Abroad - Clark Howard
• 10 Common Job Search Scams - Clark Howard
• How to Get a Mortgage in 8 Steps - Clark Howard
• Why Clark Howard Is Obsessed With Roth for Retirement Savings
• What the Credit Card Companies Don't Want You To Know
• Automatic Bill Pay: How It Works and How To Do It Safely
  

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Think your home is private? Think again. Clark discusses the rise of insurance companies using drones, satellite data & AI to inspect property – and make replacement demands based on what could be bad data. Also today - Retailers are responding to today’s marketplace with different prices for different customers. Companies of all types are targeting two extremes: the big spenders and the budget-conscious. Clark explains how to navigate these "price buckets" to make sure you aren't overpaying.

•  Home Insurance Spy Tech: Segment 1
• Ask Clark: Segment 2
• K-Economy Pricing Patterns: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The US Sun: Homeowner hit with $20k bill after State Farm secretly inspected roof by drone
• Homeowners Insurance Archives - Clark Howard
• What Is an ABLE Account? - Clark Howard
• Subscription Services: Why Canceling Is So Hard (and a Solution)
• BBB-File a Complaint
• AT&T rolls out new pricing
• YouTube TV drops 12 new offers to retain subscribers  - TheStreet
• Best Credit Card Sign-up Bonuses

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Clark + Wes: Investing During Global Conflict & Sneaky Risks of Private Credit

Is the conflict in the Middle East about to tank your investments? Money experts Clark Howard and Wes Moss sit down for a special "Ask an Advisor" segment to discuss oil prices, the economy, travel price predictions, and most importantly, what to do when the state of the world is making you nervous about your investments. In the second half, Clark and Wes explain the difference between private equity & private credit, and share a major warning about private credit. They break down why "12% yields" are often a trap and how to protect your portfolio from the latest "story investments."

Mentioned on the show:

• What Happens to the Stock Market When Oil Prices Spike?
• What To Do When the State of the World Is Making You Nervous About Your Investments
• Investing Rule: You Can't Predict (So Stop Trying) - Clark Howard
• How Psychology Can Make or Break Your Portfolio
• How To Find and Choose a Financial Advisor  /  Best Financial Advisors

All this and more on the March 24, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!

Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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

There are ways to combat the runup in gas prices right now. Clark shares a smart strategy to help stretch your gas money, and explains why used EVs are a bargain for the right driver. Also, are you tired of being ripped off by printer ink? Clark breaks down the "cheap printer, expensive ink" trap and reveals smarter ways to save.

• SPEND LESS On Gasoline: Segment 1
• Ask Clark: Segment 2
• Avoid Printer Ink Rip-Offs: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark Howard's 'Half-Tank' Strategy To Save on Gas
• How To Save Money on Gas: 23 Ways - Clark Howard
• How long do electric vehicle batteries actually last?
• BYD just killed your EV argument with a battery that competes with gas engines
• The Best Car-Buying Services - Clark Howard
• Report: Best Used Cars for the Money - Clark Howard
• 6 Things To Know Before You Buy Gas at Costco Wholesale
• Where To Buy the Best Cheap Printer - Clark Howard
• Best Term Life Insurance Companies, Plans & Coverage
• How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard
• National Academy of Elder Law Attorneys Home NAELA

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - Is booking travel a smart idea right now? Airfares are surging with the price of jet fuel since hostilities began. Clark shares smart strategies to help you book for less.

• Clark Stinks: Segments 1 & 2
• Flight Booking Strategy: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How To Find Tuition-Free Colleges: Schools That Offer Free Tuition
• Capital One Venture X Rewards Credit Card: 6 Things To Know
• How To Get a Gym Membership for Practically Free - Clark Howard
• How To Find the Best Deal on Cheap Internet Service in 4 Steps
• Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet
• The American Community Survey: Is It Legitimate and Do You Have To Answer?
• 4 Ways To Fight Sky-High Airfares This Summer
• How the Iran war is disrupting air travel -- and advice if you're planning a trip
• Travelers stranded by war learn insurance won't cover flight cancellations
• Travel Insurance: What You Need To Know Before You Buy
• Cancel for Any Reason Trip Insurance: Should You Buy It?
• Warning: Do NOT Trust Hotel Brand Names - Clark Howard
• BBB-File a Complaint
• How to avoid scams while applying for ESTA
• Get an electronic travel authorisation (ETA) to visit the UK

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Today - Clark takes aim at the "monster mega banks" and explains why they are often the worst place for your investment dollars. Major banks are rebranding branches to capture more consumer assets, yet these institutions often lack a fiduciary duty to their clients. You’ve got lower-cost alternatives to help you get ahead.   Also, Clark shares an important message for grandparents or anyone who loves and cares about a grandparent -  a heartfelt reminder to protect those who have spent a lifetime building their savings, from going broke in their later years. 

• Where NOT To Invest: Segment 1
• Ask Clark: Segment 2
• For Grandparents: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 3 Places You Should Never Invest Your Money - Clark Howard
• How To Find and Choose a Financial Advisor  /  Best Financial Advisors
• What You Need To Know About the Vanguard Cash Plus Account
• What You Need To Know About the Fidelity Cash Management Account
• Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab
• How To Open a Roth IRA
• Zillow - Prepare for your first home with confidence
• How Much Does It Cost to Be a Grandparent?
• Why Clark Howard Refuses To Rent a Car From Hertz
• How Long Should I Save Pictures of My Car Rental? - Clark Howard
• Why You Should Never Prepay for a Rental Car - Clark Howard
• 5 Things You Should Re-Shop To Save Money - Clark Howard

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

How Oil Price Shocks Impact the Market & AI Isn’t Killing Jobs—It’s Burning Us Out

As we face one of the largest oil supply disruptions in history, Wes Moss explores how geopolitical shocks in the Middle East impact your wallet and the stock market, while reinforcing why long-term longevity beats market timing every time. Also, a new crisis is emerging in the workplace – AI-driven burnout. Contrary to fears of job loss, recent data across 443 million work hours suggests that AI tools are actually expanding our workdays and increasing weekend labor. Wes discusses why the real risk of the tech revolution isn't a lack of work, but rather the challenge of balancing an "always-on" culture where every task is now achievable.

Mentioned on the show:

Do You Really Need To Rebalance Your Portfolio?

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 17, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!

Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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

Finally profitable again, the auto insurance industry has developed a renewed sense of competition for customers. Clark shares guidelines for finding companies big on customer service and value.  Also,  Americans are saving big bucks through “no spending” trends, and switching retailers. Thrift-centered businesses like Goodwill and Dollar Tree are thriving across all demographics. Clark admits he was wrong about Dollar Tree’s decision to move past its signature $1 price point, explaining how the transition to a multi-price range has elevated the brand across the country.

• Best Auto Insurers: Segment 1
• Ask Clark: Segment 2
• Discounters Thriving: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Best Auto Insurance Companies - Clark Howard
• Report: These 10 Vehicles Are the Best for the Money in 2026
• New York Post: Dollar Tree is invading posh neighborhoods after years of catering to low-income customers— breaking ‘stigma of the dollar store’
• Best Term Life Insurance Companies, Plans & Coverage
• How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard
• What Is a Credit Union? - Clark Howard
• 16 of the Best High-Yield Online Savings Accounts in March 2026

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - as college costs level off due to a competitive marketplace, more institutions are finding creative ways to attract students – including offering tuition-free degrees. Clark shares resources to help you find these opportunities!

• Clark Stinks: Segments 1 & 2
• Free Tuition: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them)
• Rent vs Buy Calculator - Clark Howard
• Fidelity Rewards Visa vs. Schwab Investor Card® from American Express: Which Is Best?
• Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab
• How to get out of a cable or internet contract without paying a penalty
• Subscription Services: Why Canceling Is So Hard (and a Solution)
• Where Should I Set Up My Health Savings Account (HSA)?
• ETFs vs Mutual Funds: What’s the Difference and When Does It Matter?
• Optimizing HSA Transfers for Long-Term Growth
• [W Post] More colleges are offering free tuition. Explore our database.
• Colleges Offering Free Tuition by Income (2026)
• Which Colleges Offer Free Tuition? Full List Of Schools
• How To Find Tuition-Free Colleges: Schools That Offer Free Tuition
• Where To Take Free Online Courses - Clark Howard
• Best 529 College Savings Plans By State⁠
• When You Should (and Shouldn’t) Use a 529 Plan
  

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Today - The growing "unretirement" trend reveals that nearly half of retirees who return to the workforce do so out of financial necessity rather than choice. Clark shares several considerations and strategies for retirement planning. Later - you may have seen ads for online memberships for medical tests that will give you insights into your health. But will your information be protected? How important is medical privacy to your financial life? Because federal and state laws are often silent on these specific privacy standards, Clark suggests a unique, cautious approach.

• Unretirement: Segment 1
• Ask Clark: Segment 2
• Medical Privacy: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Retirement on Pause: High Costs Push Older Americans Back to Work
• Age Americans Actually Retire (It’s Earlier Than They Plan)
• How To Find and Choose a Financial Advisor
• ETFs vs Mutual Funds: What’s the Difference and When Does It Matter?
• Fidelity Investments Review: Pros & Cons
• Popular online lab tests may not be covered by HIPAA protections
• Subscription Services: Why Canceling Is So Hard (and a Solution)
• How To Get a Gym Membership for Practically Free - Clark Howard
• Why You Do Not Want To Get a Big Tax Refund Check - Clark Howard
• Best 529 College Savings Plans By State
• When You Should (and Shouldn’t) Use a 529 Plan

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• 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

Should You Dump U.S. Stocks for International? & Top Retirement Number To Watch in 2026

With international stocks outperforming the S&P 500 recently, many investors are asking the same question: Is it time to pivot overseas? Before you overhaul your portfolio, learn why you might already have more international exposure than you think. Also, Wes revisits the most important metric for your financial peace of mind in 2026: The Rich Ratio. Retirement isn't about the total size of your nest egg; it’s about the "margin" between what you have and what you need. We explain how to calculate your ratio in under 60 seconds and why "financial richness" is often achieved more quickly by lowering your "needs"—specifically by tackling "big rocks" like your mortgage. Whether your ratio is currently above or below 1.0, this simple math will provide a clear roadmap for your retirement security.

Mentioned on the show:

• A Better Way To Think About Your Net Worth
• Backdoor Roth IRA: How High Earners Can Still Contribute
• Are You Richer Than You Think? Your "Rich Ratio" Could Tell You

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 10, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!
Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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

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

In today’s episode - We all have to buy groceries. So how do you find big savings? Clark has hard data on where the cheapest supermarket prices can be found. Also - Rising baggage fees are changing the math on airline cards. Clark shares an update and new recommendations for travel credit cards. 

• SAVE MORE On Groceries: Segment 1
• Ask Clark: Segment 2
• Update: Airline Credit Cards: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• ⁠6 Grocery Stores Cheaper Than Walmart
• Consumer Reports - Most and Least Expensive Supermarkets⁠
• ⁠How to Save Money on Groceries: 22 Clever Ways - Clark Howard⁠
• ⁠1⁠⁠0 Ways You're Wasting Money on Groceries - Clark Howard⁠
• ⁠How To Get a Free Cell Phone in 2026 (Best Deals + Hidden Catch)⁠
• Why Clark Is Making a Modification to His Travel Credit Card Advice
• ⁠United Airlines Makes Major Rewards Change to Favor These Credit Cards⁠
• ⁠Top 10 Perks of the Capital One Venture X Rewards Credit Card⁠
• ⁠Total Value of Capital One Venture X Rewards Credit Card Perks
• ⁠5 Money Tips To Know Before You Travel Abroad - Clark Howard⁠
• ⁠Is There an Affordable Way To Get Wi-Fi on a Cruise Ship?⁠
• ⁠What’s the Best Way To Exchange Dollars for Foreign Currency?

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today -  if you have been considering doing a renovation or adding an ADU to your home - is now the right time?  There’s been a general shift in the market. 

• Clark Stinks: Segments 1 & 2
• Home Improvement: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• What Is a Solo 401(k) and How Does It Work? - Clark Howard
• What Is an HSA Account and How Does It Work? - Clark Howard
• HSA vs FSA: What's the Difference? - Clark Howard
• Is Now a Good Time To Refinance Your Mortgage? - Clark Howard
• Clark Howard's Special Rule for Refinancing Your Mortgage
• Why Now Is the Best Time in Years for a Home Renovation
• [The WP] Your backyard could be a home. Here’s how to build one.
• 16 of the Best High-Yield Online Savings Accounts
• High-Yield Savings Account (HYSA) Calculator - Clark Howard
• Is Your Home Underinsured? - Clark Howard
• Homeowners Insurance Archives - Clark Howard

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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Today, Clark explains the confusion around how various interest rates are set, from savings & CDs, to credit cards and car loans. He explores the "K-shaped" economy, where a flood of cash into savings and CDs drives down returns – even at online banks, and how the "convenience trap" can cost consumers thousands on all kinds of loans. Also, good news at the grocery store: the "store brand revolution" is working. After years of price hikes, name brand giants are finally slashing prices on snacks to win back customers.

• How Interest Rates Are Set : Segment 1
• Ask Clark: Segment 2
• Groceries: Big Brand Price Cuts: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• My 7 Rules for Using Credit Cards - Clark Howard
• Best Place to Get a Car Loan - Clark Howard
• How To Buy a House in 9 Steps - Clark Howard
• NYT: After Years of Increases, PepsiCo Pledges to Cut Prices on Snacks
• Are Car Wash Memberships Worth It? - Clark Howard
• What Is Umbrella Insurance and Do You Need It? - Clark Howard
• 5 Ways To Start Living Below Your Means - Clark Howard
• The 7 Money Habits of People Who Become Wealthy - Clark Howard
  

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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Lump Sum Investing vs. Dollar-Cost Averaging & Is It Ever Too Late To Save for Retirement?

Wes Moss tackles one of the most paralyzing questions in finance: should you "cannonball" into the market or wade in slowly? While historical data shows that one method wins about two-thirds of the time, Wes explains why participation will always trump perfection.

Also, a sobering new study claims the average American has less than $1,000 saved for retirement. However, when you look past the headlines at the actual math, the story changes – and so does the outlook for "Late Start Larry and Lisa." If you’re in your 50s and feel like you’ve missed the boat, this segment is for you. Wes breaks down the 2026 contribution limits and shows how aggressive saving in your final working years can still turn a modest nest egg into a million-dollar retirement.

Mentioned on the show:

• How Psychology Can Make or Break Your Portfolio
• Retirement Calculators
• What’s the Average Retirement Account Balance in America?
• Is It Ever Too Late To Save for Retirement? - Clark Howard
• 8 Retirement Catch-Up Secrets for Savers 55+ - Clark Howard
• Retirement Savings Limits in 2026 - Clark Howard
  

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 3, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!

Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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Today - Nearly every purchase we make offers the “opportunity” to pay over time. Why Clark seriously despises Pay-In-4.  Also, Clark addresses the worsening doctor shortage and a related  profession that can help fill the gap.

• The Pay-In-4 Trap: Segment 1
• Ask Clark: Segment 2
• Ask Your Pharmacist: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Buy Now, Pay Later: A Helpful Tool or a Debt Trap?
• How Lemon Laws Safeguard Consumers from Defective Goods
• What Is a C.L.U.E Report and Its Impact on Your Insurance
• 5 Things To Know About Amazon Pharmacy Before You Sign Up
• Why Does Clark Howard Wear 2 Watches?
• [The Washington Post] Here’s a proven way to slow aging. Any volunteers?
  

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - In newer limited service hotels, rooms have gotten much smaller - at the expense of privacy. Clark explains the trend and the criteria he checks before booking.

• Clark Stinks: Segments 1 & 2
• Micro Hotel Rooms & Privacy: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Charles Schwab Review: Pros & Cons - Clark Howard
• Fidelity Rewards Visa vs. Schwab Investor Card® from American Express: Which Is Best?
• Innovative Toll Solutions - Open Roads
• Federal Trade Commission - File A Complaint
• Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans
• The Surprising Thing You Need To Check Before Booking a Hotel Room
• The Best Day and Time to Book a Cheap Flight - Clark Howard
• Best Credit Cards With No Foreign Transaction Fees in 2026
• Does Your Travel Credit Card Check These 4 Boxes? - Clark Howard

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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The frenzy surrounding gold and silver has dominated recent financial headlines. Clark explains the role of these commodities as hedges vs. investments and discusses how much (or little) you should own, and the best way to buy & sell.  Also today - do big price tags equal great quality when it comes to appliances? Clark breaks down why "designer" features often mean more points of failure and why the most effective tools are simply made to last,  and do one job well.

• Buying/Selling Gold: Segment 1
• Ask Clark: Segment 2
• No-Frills Appliances: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How To Value and Sell Coins, Jewelry and Silver - Clark Howard
• Should I Buy Gold? Is It a Good Investment? - Clark Howard
• Look Out for These Gold Bar Scams as Prices Surge
• Submit a complaint | Consumer Financial Protection Bureau
• Here's Your Estimated 2026 Tax Refund Schedule - Clark Howard
• The Best Time and Place To Buy Small Kitchen Appliances
• Here's How Long Your Home Appliances Should Last - Clark Howard
• Dacia History - Dacia Cars
• T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
• Subscription Services: Why Canceling Is So Hard (and a Solution)
• Mint Mobile Introduces 5G Home Internet From $30/Month
• How Many Credit Cards Should I Have? - Clark Howard
• What Can I Safely Use for Peer-to-Peer Payments? - Clark Howard
  

Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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Steak Night Sticker Shock & Is a Market Correction Coming?

Beef and steak prices are soaring. But beyond the grocery store and date night, it’s costing you more than you think, as Wes Moss explains. Also, Wes also address the psychological "twinge" investors feel when the stock market hits new all-time highs. What should investors do in 2026? While it’s tempting to think an all-time high is a signal to get out, history suggests the opposite.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 24, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!

Learn more about Wes: 

• BOOKS BY WES MOSS  
• Wes Moss, CFP® 
• Wes Moss - Clark.com

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How you invest savings can make a big difference in how much you have later in life. Clark explains ETFs (Exchange-Traded Funds) vs. mutual funds - and the superior choice for your non-retirement accounts.  Also, we love our pets and pet wellness plans may sound like a solid option for affordable vet care – but there’s a major catch.

• ETFs vs Mutual Funds: Segment 1
• Ask Clark: Segment 2
• Pet Wellness Plans: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• ETFs vs Mutual Funds: What’s the Difference and When Does It Matter?
• Where Should I Set Up My Health Savings Account (HSA)?
• Life Insurance Archives - Clark Howard
• HSA vs FSA: What's the Difference? - Clark Howard
• Warning: Read This Before You Buy a Pet Wellness Plan
• Is Pet Insurance Worth It? - Clark Howard
• 4 Fastest Ways To Improve Your Credit - Clark Howard
• Credit Karma Review: Free Credit Score and More at Your Fingertips
• Southwest changes are infuriating fans
  Clark.com resources:

• Episode transcripts
• Community.Clark.com  /  Ask Clark
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

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