The Clark Howard Podcast

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - with the recent Bitcoin slide costing people millions, and concerns of a possible “crypto winter”, Clark shares his perspective on Crypto and guidance for those interested in this still speculative endeavor. 

• Clark Stinks: Segments 1 & 2
• Clark On Crypto: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Trump Accounts: What You Need To Know - Clark Howard
• Best 529 College Savings Plans By State
• Free File Fillable Forms | Internal Revenue Service
• Best Travel Credit Cards: How To Find the Perfect Fit for Your Spending
• Car Rental Insurance: Everything You Need To Know
• When Should You File a Claim on Your Homeowners Insurance?
• NYTimes: Crypto Takes a Deep Slide Despite Trump’s Support
• How to Refinance Your Student Loans - Clark Howard
• Clark Howard's Guide to Saving Money on Your Wedding
• Is Chase Sapphire Reserve® Worth It? - 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: megaphone.fm/adchoices

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

FEBRUARY 18       Relocating Overseas  /  Debt Trap Exit Strategies

Some of you listening right now may be living abroad, temporarily or indefinitely. There is an increasing desire to experience life overseas, and some countries are paving the way. Clark discusses relocation incentive programs and other considerations vital to the life changing decision to move abroad. Also - if you have credit card debt, Clark has some strategies to pay it off sooner and keep yourself as debt free as possible moving forward. 

• Moving Abroad: Segment 1
• Ask Clark: Segment 2
• Credit Card Debt: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 5 Countries That Will Pay You To Move
• How To Pack a Carry-On the Right Way - Clark Howard
• What Is an HSA Account and How Does It Work? - Clark Howard
• What Is an Annuity, and Why Does Clark Think They Stink?
• Simple Trick To Pay Down Credit Card Debt Quicker
• Best Balance Transfer Credit Cards: Top Picks for 2026
• Debt Archives - Clark Howard
• How To Get Out of Debt in 7 Steps - Clark Howard
• Credit Card Debt Consolidation: 3 Paths To Consider, 2 To Avoid
• These Are the Biggest Scams That Cost Seniors the Most Money
• CELL PHONES - 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: megaphone.fm/adchoices

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

Should You Use Your “Sacred” Retirement Fund To Save Your Business? & 2026 Jobs Outlook

As rapid technological shifts ripple through every industry, many entrepreneurs are finding themselves in a temporary cash flow crunch. While retirement accounts are often viewed as a "sacred chest" that shouldn't be touched, Wes Moss explores how to strategically leverage your brokerage and Roth IRA accounts to bridge the gap. Also, Wes dives deep into the latest data from the U.S. labor market to see what it actually means for your portfolio. Despite some "ancient history" revisions from 2025 that initially painted a gloomy picture, the January 2026 jobs report tells a much more resilient story. Whether you’re managing a business or a retirement timeline, understanding these labor trends is key to staying invested with confidence.

Mentioned on the show:

• Asset Class Returns
• A Jack Bogle Lesson: Remember Reversion to the Mean
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• What Is Long-Term Care Insurance Cost & Coverage

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 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: megaphone.fm/adchoices

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

You may be examining your spending habits this year, looking to set goals to improve your financial health. Clark discusses how your money mindset will affect your future in a big way. Are you spending your way into debt misery, or saving your way to frugality regret? Clark invokes finding a healthy balance between discipline and enjoyment. Also - A great way for the self-employed to save tax free for the future. A powerful wealth-building tool is finally getting the attention it deserves: the Solo 401(k)

• A Balanced Money Mindset: Segment 1
• Ask Clark: Segment 2
• Solo 401k's Take Off: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The Two Key Pillars to Financial Freedom - Clark Howard
• How Many Bank Accounts Should You Have? - Clark Howard
• 1 Day Pass by Sling  /  Sling’s Subscription Option
• What Is a Solo 401(k) and How Does It Work?
• How To Open a Roth IRA
• Emergency Fund: Everything You Need to Know - Clark Howard
• 5 Things to Know About New Settlement That Could Change Credit Card Rewards

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - Amid the steady parade of layoff announcements Clark offers some perspective on today’s job market, a prediction for the spring hiring season, and strategy for moving forward. 

• Clark Stinks: Segments 1 & 2
• Job Market Prediction: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• When Is the Best Time To Collect Social Security? - Clark Howard
• Why Clark Howard Says It Isn't a Good Time To Become a Landlord
• How to Freeze Your Child's Credit - Clark Howard
• Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly?
• What Is an ABLE Account? - Clark Howard
• Best Auto Insurance Companies and Some of the Worst
• Are Solar Panels Worth it? 3 Things To Consider
• Clark Howard’s Digital Wallet Strategy
• Jobs Archives - Clark Howard
• Clark Howard’s Job Market Prediction in 2026
• What to Do When You're Being Harassed About an Old "Zombie Debt"
• This Device Can Help You Avoid an Annoying Car Rental Fee
• FasTrak throughout California

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

It’s tax season - and many Americans are going to receive higher than expected refunds. Guess what Clark wants you to do with extra money? And what about your withholding for this year? Also today,  more clarity on Trump accounts. While the federal government is seeding these accounts with $1,000 for newborns, proceed with caution. Clark tells you how these work, who benefits, and who does not.

• Tax Refunds & Withholding: Segment 1
• Ask Clark: Segment 2
• Trump Accounts: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 4 Reasons Why This Is the Best Time of the Year To File Your Taxes
• Why You Do Not Want To Get a Big Tax Refund Check - Clark Howard
• Is One Medical Membership for Prime Members Better Than a Health Concierge?
• Direct Primary Care: A new solution for rising health care costs?
• Should I Use a Credit Card or Give Up My Bank Account Info To Save 2.3%?
• Roth vs. Traditional 401(k): What's the Difference? - Clark Howard
• Trump Accounts: What You Need To Know
• Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans
• Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later?
• BBB-File a Complaint
• 5 Best Places To Buy Pet Medicines - 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: megaphone.fm/adchoices

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

Why Everything Still Feels Expensive & Growth vs. Value Stocks: Which Is Best?

Is inflation going away? The reality is that while the rate of change might slow down to 2% or 3%, the cumulative "stacking" of past inflation remains, leaving consumers anchored to old prices while fighting for higher wages. Wes Moss explores why we can’t afford to get complacent and how this cycle is exactly why we invest in the first place. Also, Wes peels back the layers of the market to examine the two main "flavors" of investing: Growth vs. Value. Using the analogy of apples, Wes breaks down the fundamental differences between the fast-moving, low-dividend world of Growth stocks (like Amazon) and the mature, dividend-heavy world of Value stocks. Which fits best in your portfolio?

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 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

Significant numbers of both chain and independent restaurant closures are happening around the country now, and with that - Clark has a dinner bell warning for you.  Also - As fierce winter storms ravage regions of the country with lengthy power outages,  new tech is ushering in the rise of affordable home battery backups. 

• Got Restaurant Gift Cards?: Segment 1
• Ask Clark: Segment 2
• Home Battery Backup Power: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• ⁠Why You Need To Use Your Gift Cards ASAP
• Why You Need To Print Out Your Online Billing Statements
• 7 Things To Know Before You Use Zelle - Clark Howard
• What Can I Safely Use for Peer-to-Peer Payments? - Clark Howard
• WSJ: Why I’m Getting a Home Battery Backup Before the Next Outage
• How To Open a Roth IRA
• Travel Alert: Requirement for UK Travelers
• Scams and Your Small Business: A Guide for Business
• Cheapest Way to Rent a Car: Expert Tips - 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: megaphone.fm/adchoices

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, Clark shares housing market predictions through the rest of 2026 and why he considers this a “transition year” in housing. 

• Clark Stinks: Segments 1 & 2
• Housing Market Update: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 9 Free Federal and State Tax Filing Services for 2026 - Clark Howard
• Free File Fillable Forms | Internal Revenue Service
• Is Annual Travel Insurance Worth It? - Clark Howard
• Clark Howard and the Prostate Cancer Foundation
• Target Date Funds: Clark Howard's Favorite Retirement Investment
• Should You Allow Your Auto Insurance To Monitor Your Driving?
• Pay-Per-Mile Insurance: Is It Worth It? - Clark Howard
• What To Do BEFORE Your CD Expires - Clark Howard
• The Math On When You Break Even With Social Security
• What Will Happen to Housing Prices in 2026?
• Builders Are Offering Big Mortgage Incentives — What Homebuyers Should Watch For
• What Is Umbrella Insurance and Do You Need It? - Clark Howard
• The Best International Phone Plans - Clark Howard
• Using Cellular Data Internationally: Buying a Local SIM Card
• 3 Reasons You Should Never Book a Nonrefundable Hotel Room
• 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: megaphone.fm/adchoices

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

Valentine’s Day approaches. What can spoil the romance in any relationship? Fighting over money. Clark emphasizes the importance of ongoing "low-voltage" conversations around financial goals.   Also - What paperwork should you hang onto and for how long? Clark’s guide provides a clear strategy for organizing your financial life and protecting your assets.

• Couples & Money: Segment 1
• Ask Clark: Segment 2
• Record Keeping: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 14 Ways to Save on Valentine's Day
• Clark Howard's 5 Money Tips for Couples
• What Is Umbrella Insurance and Do You Need It?
• 7 Most Common Financial Regrets
• Which Documents Should You Keep and for How Long?
• Amortization Calculator and Schedule - Clark Howard
• How Can I Fight an Unfair Rental Car Charge?
• Why Clark Howard Refuses To Rent a Car From Hertz
• BBB-File a Complaint
• Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card: Which Travel Card Is Best For You?
• 5 Things to Know About the Costco Car Rental Program
• Car Rental Insurance: Everything You Need To Know
• Credit Card Car Rental Insurance: What You Need To Know
  

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/adchoice

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

Dollar vs. Gold: Why You Don’t Need To Panic & #1 Retirement Fear (and Ways To Let It Go)

While recent headlines might suggest the dollar is "plunging" as gold and silver prices soar, Wes Moss provides a grounded perspective on why the decline, while significant, is still well within historical ranges, and why he believes our economy is still strong. Also, Wes dives into the top fear facing Americans: the fear of running out of money in retirement. As humans, we are wired to prioritize protection and survival, but letting this fear dictate your financial strategy can be counterproductive. Wes breaks down the research behind this common anxiety and introduces five actionable steps designed to eliminate financial dread and help you regain confidence in your long-term plan.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 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

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

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

If you’re feeling stuck in your career and/or housing situation, Clark shares something important to consider. With housing inventory rising in nearly 20 states and more affordable markets opening up in the American heartland, being open and flexible to moving your zip code might be the key to unlocking both homeownership and professional opportunity. Also, using the latest data, Clark breaks down the fastest-growing occupations for the next decade.

• Homeownership & Relocation: Segment 1
• Ask Clark: Segment 2
• Fastest Growing Jobs: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Americans Are Looking to the Midwest to Find Affordability
• Housing markets where power is shifting the most toward buyers heading into 2026
• My 7 Rules for Using Credit Cards - Clark Howard
• What Is Umbrella Insurance and Do You Need It?
• Why You Need To Shop Your Auto Insurance ASAP
• Report: 15 Fastest-Growing Jobs for the Next Decade
• 5 Steps To Getting a Good Deal on a Hotel Room
• Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly?

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

Friday normally brings a ripe episode of Clark Stinks but today Clark has an update for potential car buyers.  While the cost of automobiles has been soaring, Clark reveals a surprising counterpoint: a selection of reliable, more affordable vehicles. Also in the interest of affordability, travel can easily be too costly. But there’s an often overlooked option that could help you save on spring break or a summer getaway.

(Note: Clark Stinks will be back next week!).      

• Affordable Vehicles: Segment 1
• Ask Clark: Segment 2
• Affordable Vacations: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• qz: The 10 best cheap new cars, according to Consumer Reports
• Carscoops: Nobody Wants These 2024 Models And Dealers Are Drowning In Inventory
• Carvana sold its first used car in Atlanta. Now it’s selling new cars.
• How to Buy a New Car in 5 Steps
• Odometer Rollback Is On The Rise
• National Association of State Parks - Locate a Park
• Is Annual Travel Insurance Worth It?
• Travel Insurance Checklist: 5 Types of Coverage To Consider
• Clark.com - Invest & Retire⁠   /   ⁠Retirement Calculator⁠

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

Many young adults recognize the value of early saving and investing long-term. But with 61% of this age group now trusting social media "finfluencers" for investing tips, it’s more important than ever to distinguish between sound financial advice and sales pitches pushing “get rich” ripoffs and worse - conflating gambling with real investing.  Also today - Clark shares a recent story of a retired lawyer who lost $85,000 to scammers posing as Microsoft security, only to have his bank deny a refund. Con artists continue their rampant looting unabated, with ever increasing sophistication, and no one is immune. BUT, there are tells.  Learn their method of operation, how to verify account activity on your own terms, and how to protect your "keys to the kingdom" from the criminals leveraging your data against you.

• Finfluencers Vs The Real Thing: Segment 1
• Ask Clark: Segment 2
• Block The Con Job: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• WPost- 61% of young adults trust social media investing tips. Should they?
• Ivestopedia - Investing: An Introduction
• Clark.com - Invest & Retire   /   Retirement Calculator
• What's the Best Savings Account for a Teenager?
• How To Open a Roth IRA
• Target Date Funds: Clark Howard's Favorite Retirement Investment
• Stock Analysis - Free Online Stock Information for Investors
• NYTimes: Tech Support Scammers Stole $85,000 From Him. His Bank Declined to Refund Him.
• Clark Howard's Take on the Chase Sapphire Reserve® Changes
• Should I Ditch My Southwest Airlines Credit Card?

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

Is the Middle Class Shrinking? & the Quiet Power of Dividend Growth

The middle class is shrinking — but perhaps not for the reason you’ve been told. While headlines often paint a bleak picture of economic decline, the underlying data reveals a much more complex and surprising transformation. Wes Moss dives into the "missing" middle class, using recent data to uncover where those families have actually gone since 1979. Also, Wes pulls back the curtain on a hidden force in the stock market: the math of dividend durability. While many investors are distracted by flashy price targets, they are overlooking a component that has historically accounted for over a third of the market's total return. Wes breaks down why a company’s dividend policy is one of the most reliable signals of financial strength and how the "quiet persistence" of dividend growth has consistently outpaced inflation for over sixty years.

Mentioned on the show:

• Fee Only Network - Find A Financial Advisor
• What Is a Fiduciary Financial Advisor and Do I Need One?
• How To Find and Choose a Financial Advisor
• Retirement Calculator
  

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 27, 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

Today - A tale of two retail experiences. Merchants are getting eaten up by the cost of returns and stiff new policies are reflecting that, with strict deadlines and fees as high as $45 to process mailed items. By contrast, Costco continues to lead with customer-friendly policies, including a little-known "price drop" perk.  Also - The ABLE (529A) program has undergone significant expansion, with millions more people now eligible. Clark breaks down everything you need to know, including a NEVER NEVER rule to protect your wallet. 

• Many Unhappy Returns: Segment 1
• Ask Clark: Segment 2
• The Updated 529A: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Costco Home Insurance: 5 Things To Know Before You Buy It
• Costco Car Insurance: 5 Things To Know Before You Get a Policy
• Travel Alert: New Requirement for UK Travelers
• European Travel Information and Authorisation System (ETIAS)
• What Is an ABLE Account?
• 10 Clark Howard 'Never, Not Ever' Rules To Protect Your Money

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also in this episode, Clark shares a narrow set of strategies for becoming a landlord successfully in today’s fraught housing market. To determine if a property is a viable investment, know the classic 1% rule.

• Clark Stinks: Segments 1 & 2
• Investment Real Estate: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How To Sell, Cancel or Get Rid of Your Timeshare
• How To Make Your Venmo Transactions Private
• Homeowners Insurance Archives - Clark Howard
• Teslarati: Tesla partners with Lemonade for new insurance program
• 10 Things Homeowners Insurance Doesn't Always Cover
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Should You Invest in a Rental Home? Here's Clark's 1% Rule
• Why Clark Howard Says It Isn’t a Good Time To Become a Landlord
• What Is a Solo 401(k) and How Does It Work?
• Roth vs. Traditional 401(k): What's the Difference?
• What Is a SEP IRA and Who Is Eligible?
• What Is the Highest Credit Score?

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

Clark dives into the predatory world of health insurance, where companies are under fire for "strategy-based" claim denials - and consumers are faced with outrageous hospital bills. Clark explains why and how you must self-advocate as a customer.  Also, as power bills surge due in large part to data centers, you’re not a sitting duck. Clark argues that you shouldn't have to subsidize the energy needs of big tech, and explores the "secret weapons" available to homeowners and renters alike.

• Appeal Medical Denials: Segment 1
• Ask Clark: Segment 2
• Fight The Power (Bills): Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• What Should You Do if Your Insurance Claim Is Denied?
• Clark Howard and the Prostate Cancer Foundation
• How to understand a medical bill and EOB
• American Medical Association States & Territories
• How to Freeze Your Child's Credit
• The U.S. may have a secret weapon against rising electricity prices
• This startup is building a network of home batteries to help solve the grid’s woes
• How To Save Money on Utilities
• What Are Solid-State Batteries, and Why Do They Matter for Electric Vehicles?
• Which Home Security Systems Rank Better Than Ring?
• 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: megaphone.fm/adchoices

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

Large Cap vs. Small Cap: Which Is Best? & Why Your Returns Don’t Match the Headlines

With the median S&P 500 company now valued at $35 billion and "Mega Caps" like Microsoft reaching the $3+ trillion mark, the scale of the market has reached levels that are difficult to even conceptualize. While large caps have dominated the last three years with returns, Wes highlights why investors shouldn't ignore small and mid-cap categories. With small caps currently catching up in 2026 and offering more attractive valuations, diversifying beyond the top 10 stocks in the S&P 500 is more critical than ever. Also, have you ever wondered why individual investors consistently underperform the broader market. While the S&P 500 has averaged a 13% return over the last decade, the average balanced investor has seen closer to 8%. Wes discusses the framework needed to stop chasing headlines and start building long-term wealth.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 20, 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

The condo market is struggling around the country, particularly in coastal areas. This creates both opportunity and hazard for potential buyers, and insurance is certainly a factor. Speaking of moving, more and more Americans are moving overseas to save money or retire. Should you become an expat? Clark shares his essential "test drive" rule for anyone considering an international move and breaks down the vital questions you need answered before you commit, concerning taxation, safety, and healthcare.

• Buying A Condo: Segment 1
• Ask Clark: Segment 2
• Should You Retire Abroad?: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The Condo Market Hasn’t Been This Bad in Over a Decade - WSJ
• 5 Reasons Policymakers Should Prioritize Disaster Resilience
• Verizon + Openbank Savings
• Why Does Clark Howard Wear 2 Watches?
• More Middle-Income Americans Are Trying to Make a New Life Overseas - WSJ
• Best 529 College Savings Plans By State
• What's the Best Savings Account for a Teenager?
• My Social Security: The Free Account Everyone Needs To Set Up Before Retirement
• Mint Mobile Introduces 5G Home Internet From $30/Month
• 2026 MLK Day Service Project
  

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also in this episode, the job market is in a lower gear as businesses continue to lay off employees and slow hiring. Clark’s take? There’s an opportunity in the marketplace. If you’ve been laid off or you feel anxious about your job right now, consider Clark’s perspective as a lifelong entrepreneur. 

• Clark Stinks: Segments 1 & 2
• When 1 Door Closes…: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 7 Money Mistakes You Might Be Making at the Gas Station
• Is Now a Good Time To Refinance Your Mortgage?
• Why You Should Avoid These Free Offers From Verizon, AT&T and T-Mobile
• The Best Cell Phone Plan Deals in January
• Top 7 Ways To Shop Safely Online
• Costco Travel: 5 Things To Know Before You Book
• 5 Things to Know About the Costco Car Rental Program
• SCORE: Free Small Business Mentorship and Resources
• What Is an HSA Account and How Does It Work?
• Where Should I Set Up My Health Savings Account (HSA)?
• The best deals on TVs available now!
• Report: The #1 Internet Provider in America
• Internet Price War: Why Now Is a Good Time To Threaten To Cancel

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

Today Clark shares an important warning about booking travel - info that could save you from becoming stranded or banned from a major airline. Also - Taking into account our current K-shaped economy, a softening job market, and inflation projections, Clark explains the potential for a “growth recession”, and gives you the classic playbook for an uncertain economy.  

• Travel Booking Alert: Segment 1
• Ask Clark: Segment 2
• Survive The Growth Recession: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Warning: The Hidden Danger of Cheap Flights
• How To Plan a Trip: Clark's Best Travel Tips To Save Money
• Travel Archives - Clark Howard   /   Today's Top Travel Deals
• Will TSA PreCheck® Still Be Worth It After New Rule Change?
• Clark Howard’s Economy Predictions in 2026⁠⁠
• Emergency Fund: Everything You Need to Know
• How To Save Money: Spend Less & Build Your Savings
• 17 Extreme Money-Saving Tips
• How Many Bank Accounts Should You Have? - 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: megaphone.fm/adchoices

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

Is It Time To Sell Berkshire Hathaway? & 5 Predictions for Investors in 2026

In this episode, Clark Howard and Wes Moss dive deep into the legacy of Warren Buffett and what the future holds for Berkshire Hathaway as it enters a new chapter. Wes breaks down the staggering math of Buffett’s success, and Clark discusses the "jockey vs. the horse" theory, questioning if the company can maintain its magic without Buffett at the helm. Also, Wes provides his definitive 2026 market outlook by answering five critical questions for investors.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 13, 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

So many of us struggle with credit card debt, which can be especially acute after the holidays. Clark shares some eye-opening stats, and a 3 step approach to getting debt under control.  Also, does ordering groceries online save you money, or rip you off? Clark updates the dynamic pricing angle and online options. 

• Credit Card Debt: Segment 1
• Ask Clark: Segment 2
• Online Grocery Shopping: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Credit Card Debt Consolidation: 3 Paths To Consider, 2 To Avoid
• Clark Howard's Credit Card Debt Elimination Strategy
• How Do You Pay off Credit Card Debt?
• 6 Things To Know Before Contacting the National Foundation for Credit Counseling
• How the Capital One-Discover Merger Impacts This Big Clark Credit Card Rule
• Why You Need To Lock Your Brokerage Account Today
• Protect Your Brokerage Accounts From ACATS Transfer Fraud
• 5 Best Grocery Delivery Services
• Travel Insurance Checklist: 5 Types of Coverage To Consider
• What Should You Do if Your Insurance Claim Is Denied?
  

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also in this episode - After years of increases, there’s potentially good news on the auto insurance front. Clark looks at industry trends that point to lower costs for car insurance. 

• Clark Stinks: Segments 1 & 2
• Auto Insurance Prices: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Certificate of Deposit (CD): What Is It, Best Places To Open One
• Clark's Road Trip Hack: Renting a Car vs. Driving Your Own
• Credit Card Car Rental Insurance: What You Need To Know
• Should I Buy Additional Insurance From a Rental Car Company?
• Today's Top Travel Deals
• Will Auto Insurance Rates Finally Drop in 2026?
• Why You Need To Shop Your Auto Insurance ASAP
• Teslarati: Tesla partners with Lemonade for new insurance program
• Should You Allow Your Auto Insurance To Monitor Your Driving?
• How Should I Handle Car Insurance for My Teenage Driver?
  

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

This time of year tax forms start landing in your mailbox. Clark clears the confusion and misinformation around the IRS’s Direct File vs Free File offerings. Also, a topic sure to generate a lot of Clark Stinks - Clark’s opinion on why you should wait until age 70 to take social security - with two exceptions.

• Tax Filing Changes: Segment 1
• Ask Clark: Segment 2
• Social Security: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• IRS Direct File won't be available next year. Here's what that means for taxpayers
• Which Documents Should You Keep and for How Long?
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Will Social Security Run Out?
• When Is the Best Time To Collect Social Security?
• Wait Until 70 to Claim Social Security. Don’t Let These Myths Convince You Otherwise
• 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: megaphone.fm/adchoices

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

Are You Wealthy? Use These Numbers To Find Out & Simple Math Behind Millionaires

Are you curious how your net worth compares to the rest of the country? Wes Moss dives into the latest data from the Federal Reserve’s Study of Consumer Finances and top financial institutions to paint a clear picture of wealth in America today. Also, Wes helps to draw the roadmap for the next generation of millionaires. Inspired by the wisdom of the Clark Howard community, Wes outlines a simple, repeatable blueprint for financial freedom. By focusing on patience and the power of consistent contributions, reaching a seven-figure nest egg is more achievable than ever. Whether you are starting with $1,000 a month or aiming to max out your 401(k), we show you how a few decades of discipline can transform your financial future and put you on the path to becoming a "financial force of nature."

Mentioned on the show: Retirement Calculator

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 6, 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

Never assume a hospital bill is correct. What’s the first thing to ask for? Clark discusses how to handle these bills, and a new way to help get a hospital bill reduced. And speaking of reduced bills, how about a lower heating bill? Clark shares some new innovations to help you Spend Less on home energy. 

• Lower Hospital Bills: Segment 1
• Ask Clark: Segment 2
• Lower Energy Bills: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Patient uses AI to reduce hospital bill by 83% - HumbleDollar
• AI is helping patients fight insurance company denials
• Can a Patient Advocate Help With Your Medical Bills?
• Are Extended Warranties Ever Worth It?
• This paint-like coating lets buildings collect water from the air
• I tried a sleek new window heat pump that can be installed in less than an hour
• 10 Ways To Lower Your Heating Bill
• What Is Service Line Insurance and Do I Need It?
• Scam Alert: How To Avoid Home Title Theft
• Home Title Lock: Is It the Same As Home Title Insurance?

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

Clark kicks off the new year discussing how you can rethink your buying decisions moving forward.  And of course, Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. 

• Rethink Buying Decisions: Segment 1
• Ask Clark: Segment 2
• Clark Stinks: Segments 3 &4

Mentioned on the show:

• NYT: Shoppers Turn to Discounts and Debt, but Not Just for Holidays
• Is Borrowing Money With Affordable Payments To Buy Nice Things Really So Bad?
• How to Save Money on Groceries: 22 Clever Ways
• How to Shop for Lower Car Insurance
• How Often Should You Re-Shop Insurance?
• Life Insurance Archives - Clark Howard
• How To Get the Best Price Possible Shopping Online
• Backdoor Roth IRA: How High Earners Can Still Contribute
• 5 Tips To Protect Your Digital Privacy

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

Little-Known '3.6 Rule' for a Happy Retirement & Is the Job Market Good or Bad?

Wes Moss dives into the critical connection between social capital and financial security, revealing a surprising "magic number" from his 2025 Money and Happiness in America Study. While most people focus strictly on their 401(k), the data shows that intentionality in your social life is just as vital as intentionality in your investments. Also, Wes breaks down the latest labor data to determine if the "Goldilocks" era of employment is here to stay. With the unemployment rate ticking up to 4.6%, Wes looks past the headlines to analyze the Employment-Population Ratio, which remains strong.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 30, 2025, 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

Two days from now will be a busy night for Uber and Lyft. Know how to find the best deal when you need a ride.  Also today, risky mortgages are becoming popular again. Get Clark’s best advice for buying or refinancing a home.  

• Save On Ride Services: Segment 1
• Ask Clark: Segment 2
• Risky Home Loan Resurgence: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• [The Washington Post] I tested 80 Uber and Lyft rides and found a powerful way to save
• Axios: America's big robotaxi rollout
• Do I Need To Unfreeze My Credit To Shop for Car Insurance?
• Is Now a Good Time To Refinance Your Mortgage?
• Do You Get Better Hotel Prices From Third-Party Sites or by Booking Directly?
• How To Save on Travel With Google Flights
• Clark Howard's Digital Wallet Strategy
  

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

The Secret to Affordable Healthcare & Will Mortgage Rates Go to 5% Soon? Wes Moss reveals a critical, little-known healthcare secret that can save early retirees, job-leavers, and other Americans thousands of dollars a month on medical coverage before age 65. Hear the incredible story of Rebecca, who thought she was stuck paying $2,500/month for COBRA but discovered a way to slash her premium to less than $200 through the ACA, thanks to enhanced subsidies. Wes walks through how to use free resources to save big. Also, Wes breaks down the latest Fed rate cut and explains why it may not mean cheaper mortgages.

Mentioned on the show:

• Calculator: ACA Enhanced Premium Tax Credit
• National Association of Benefits and Insurance Professionals

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 23, 2025, 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

Criminals are working overtime to separate you from your money this holiday. Today, hear about the fake online merchant reps ripping people off - and why you should discontinue a common ecommerce practice permanently. Also, Clark updates where we are with gas prices and the factors influencing what you pay at the pump. 

• Fraud Alerts: Segment 1
• Ask Clark: Segment 2
• Gas Prices: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark’s Christmas Kids 2025
• ⁠Why You Should Never Store Your Payment Information Online
• 5 Things To Know About the Navy Federal cashRewards Plus Card
• Best Credit Cards to Use at Walmart in 2025
• Be Careful with Strategies to Lower Healthcare Costs
• How To Save Money on Gas: 23 Ways
• Clark's Road Trip Hack: Renting a Car vs. Driving Your Own
• Why Clark Howard Refuses To Rent a Car From Hertz
• Cheapest Way to Rent a Car: Expert Tips
• How Long Should I Save Pictures of My Car Rental?
• Do You Get Better Hotel Prices From Third-Party Sites or Direct Booking?
  

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also in today’s episode:  What if you still haven't completed your holiday shopping? Will you have to pay more this close to Christmas? Yes AND No. 

• Clark Stinks: Segments 1 & 2
• 11th Hour Retail Strategy: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark’s Christmas Kids 2025
• Why Every Family Needs a Code Word
• The Best Phone Plan For You - Compare Phone Plans
• Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?
• Warehouse Clubs Archives - Clark Howard
• Best Free Password Managers: 10 Top Picks
• Credit Card Car Rental Insurance: What You Need To Know
• What Can I Safely Use for Peer-to-Peer Payments?
• 15 Financial New Year's Resolutions for 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: megaphone.fm/adchoices

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

How far are you willing to go to save money?  We asked our Clarkies to share their best tips and you sure represented! Today we share our  Clark Daily Newsletter survey results on the topic of frugality. Also - is home ownership still the American dream? It’s complicated. Clark discusses the decision factors involved in the largest purchase we ever make. How do you build wealth and where does a home fit into it?

• Frugality Hacks: Segment 1
• Ask Clark: Segment 2
• Weighing Homeownership: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• WSJ: The Lengths Americans Are Willing to Go to Make Every Penny Count
• Clark Daily Newsletter survey results
• Why You Should Re-Shop Your Cruise
• Booking a Cruise? Here Are 5 Ways To Do It for Less
• Is Chase Sapphire Reserve® Worth It?
• The median age of a first-time homebuyer in America just hit 40 years old
• 7 Ways To Invest In Real Estate
• Clark Deals   /   Clark’s Christmas 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: megaphone.fm/adchoices

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

How To Feel Good About Spending in Retirement & Big Changes to Your 2026 Taxes

Are you a lifelong saver struggling to spend your retirement nest egg? You're not alone! Many people who successfully save a significant amount face a major psychological hurdle when it comes time to shift from an accumulation mindset to a distribution (spending) mindset. Wes Moss breaks down how to overcome the psychological barrier of watching your retirement balance go down and how to finally feel good about enjoying the money you worked so hard to save. Also, Wes tackles the most timely and impactful tax changes coming up, including a checklist of six critical actions to consider before the end of the year to potentially lower your tax bill for 2026.

Mentioned on the show:

• How To Find and Choose a Financial Advisor 
• Best Financial Advisors in 2025
• Year-End Tax Moves Worth Your Time
• IRS Announces New Tax Brackets and Other Changes for 2026
• What Brokerage Do You Recommend for First-Time Investors or Kids?
• Uniform Transfers to Minors Act (UTMA): What It Is and How It Works

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 16, 2025, 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 this episode - Brokerage accounts lack legal protection. Clark explains how criminals have figured out how to target brokerage and retirement accounts, and 2 steps you can take to protect your invested life’s savings. Plus - More doctor’s offices are moving to digital paperwork, but patient uptake is surprisingly low. Know the advantages of having electronic medical records. 

• Safeguard Your Investments: Segment 1
• Ask Clark: Segment 2
• Electronic Medical Records: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Protect Your Brokerage Accounts From ACATS Transfer Fraud
• Her Stocks Were Quietly Stolen From Her I.R.A. 
• What Can I Safely Use for Peer-to-Peer Payments?
• Costco Tire Center: 5 things to know about before getting new tires
• When Is the Best Time of Year To Buy Tires?
• Here's How Long Your Home Appliances Should Last
• Report: The #1 Appliance Brand for Customer Satisfaction
• Axios: Ditching the clipboard: Wellstar patients can check in digitally
• Do Not Give Your Social Security Number at These Places
• ⁠How To Get the Best Price Possible Shopping Online⁠
• Secret Pricing Tricks Companies Don’t Want You To Know
• ⁠How To Use Camelcamelcamel

⁠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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also in today’s episode: Take it to the limit - the new retirement account limits. Clark has updates and advice to enhance your retirement saving strategy.

• Clark Stinks: Segments 1 & 2
• Retirement Planning 2026: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Citi Double Cash® Card Review: 5 Things To Know in 2025
• 5 Things To Know About the Citi Strata Premier Card
• Cell Phones - Clark.com
• Can I Use HSA for DPC? Yes, Starting January 2026!
• Rechargeable Batteries: Are They Worth It?
• The Best Place To Buy Cheap Batteries
• 401(k) limit increases to $24,500 for 2026, IRA limit increases to $7,500
• Why Clark Howard Is Obsessed With Roth for Retirement Savings
• 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: megaphone.fm/adchoices

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

Is now the time to refinance your mortgage? Only if you meet certain criteria. Clark breaks it down.  Also - Are you with what Clark calls a Giant Monster Mega Bank? If so, you may be paying fees you don’t have to! Clark’s overview of the banking industry makes it clear, the regional, super regional and giant banks are not your wallet’s friend. Hear how people are migrating their money in a way that’s comfortable for them - a method called “soft switching”. 

• Mortgage Refi Guidelines: Segment 1
• Ask Clark: Segment 2
• Banish Bank Fees: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How and When To Refinance Your Mortgage: A Step-By-Step Guide
• Mortgage Refinance Calculator - With Cash Out and Points
• What Can I Safely Use for Peer-to-Peer Payments?
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• How To Switch Banks in 4 Simple Steps
• Best Online Banks: Free Checking and High-Interest Savings Accounts
• Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab
• Costco Travel: 5 Things To Know Before You Book
• When Do You Need a Travel Agent?
• Clark's Christmas 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: megaphone.fm/adchoices

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

Costly IRA Conversion Warning & the Hidden Billions Americans Are Leaving Behind

In this episode, fiduciary financial advisor Wes Moss tackles a piece of financial advice that he calls "lunacy" and "insanity" – a recent Op-Ed arguing that retirees should convert their entire Traditional IRA to a Roth IRA in a single year. Wes explains why this academic advice is a dangerous real-world strategy, warning listeners about the potential for a massive tax bill that could reach hundreds of thousands of dollars. Also, Wes addresses a sinister issue in retirement savings: billions of dollars in "forgotten" 401(k) balances. Wes warns that this money is often parked in cash or a low-interest money market, missing out on decades of critical growth.

Mentioned on the show: Forgotten 401(k) Accounts Are Costing Americans Billions in Lost Investment Gains Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 9, 2025, 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

Clark makes no secret of his obsession with fitness trackers. Nerd Alert: He wears three. But there’s new data that proves he’s just being, well - Clark Smart. We’re moving into an era where more devices can be monitored by healthcare providers, to potentially save lives - A true case of knowledge is power. Also, homeowners with a lot of equity can be sorely tempted to tap into that money. But when is this type of debt appropriate? And what are the best borrowing options? Clark explains the difference between a home equity loan and a HELOC in a period of lower interest rates.

• The New Power of Fitness Trackers: Segment 1
• Ask Clark: Segment 2
• The Home Equity Decision: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Apple Watch data teamed with AI reveals heart damage
• Why Does Clark Howard Wear 2 Watches?
• Why Clark Howard Is So Excited About His Wedding Band
• KardiaMobile Personal EKG | Kardia Personal EKG Monitor
• What Is an HSA Account and How Does It Work?
• Report: Most Popular Used Cars in America
• What Brokerage Do You Recommend for First-Time Investors or Kids?
• Target Date Funds: Clark's Favorite Retirement Investment
• HELOC vs. Home Equity Loan: Similarities and Differences
• Is a HELOC a Good Idea? The Simple Answer
• Home Equity Loan Calculator - Clark Howard
• Ed.gov - Loan Forgiveness
• How To Roll Over U.S. Savings Bonds Into 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also in today’s episode - so many people have not taken advantage of an easy way to store identification. Why Clark thinks you should do it TODAY.

• Clark Stinks: Segments 1 & 2
• Digital Identification: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Best Online Banks: Free Checking and High-Interest Savings Accounts
• NYTimes: How Much It Costs to Drive an E.V. and a Gas Car in Every State
• Where To Find the Best CD Rates Right Now
• Clark Howard’s New Airbnb Rule You Need To Follow
• The NY Times: What’s a Digital Passport and How Does It Work?
• Top 10 Perks of the Capital One Venture X Rewards Credit Card
• Credit Card Car Rental Insurance: What You Need To Know
• Chase Sapphire Preferred® Card Review: About the Travel Card
• Clark Deals

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

What’s awesome?  The trend of lifelong learning. And in this age of emerging AI disruption and uncertainty, it seems to be catching on. Later - Not awesome: Paying expenses for your adult children when it impacts your own financial well-being over time. How prevalent is this practice? Clark shares some surprising statistics. 

• Life Is For Learning: Segment 1
• Ask Clark: Segment 2
• Parental Funding: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Where To Take Free Online Courses
• 12 Best College Scholarships Websites Plus Other Resources
• NYTimes: Why Are More Retirees Going Back to College?
• Why I Take Every Single Vacation Day (And You Should Too!)
• Is LifeLock Worth It?  /  Protect Your Identity Archives
• Why You Need To Lock Your Phone Number Today
• SIM Card Swapping: The Dangerous Cell Phone Scam
• How To Freeze & Unfreeze Your Credit With Experian, Equifax & TransUnion
• The Real Cost of Funding Adult Children: Postponing Retirement
• Fidelity Investments Review: Pros & Cons
• Roth vs. Traditional 401(k): What's the Difference?
• Is Chase Sapphire Reserve® Worth It?

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

50-Year Mortgage: Game Changer or Gimmick? & the Key to Winning a 401(k)

Wes Moss dives into the new 50-year mortgage, which he calls a gimmick but sees one potential benefit. Since ownership is key to financial security and the median home-buying age is rising, the concept of starting the equity journey sooner is good. However, Wes and Christa talk about a huge warning if you’re considering it. Also, Wes shares a powerful story about the key to winning your 401(k). The story illustrates a real-life outcome for many Americans, emphasizing how a few years' delay or a few percentage points of savings are huge variables that compound over time.

Mentioned on the show:

• Is Robinhood Gold Worth It?
• The Key to a Winning 401(k)

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 2, 2025, 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

We hope you had a great Thanksgiving holiday and spent time with loved ones. Something many of us are not loving - the cost of homeowner’s insurance. But there is something many of us are overlooking - whether we have ENOUGH homeowner’s insurance. Also - is there someone on your holiday list who has a thing for luxury brands? You don’t have to pay luxury prices. 

• Homeowner’s Insurance: Segment 1
• Ask Clark: Segment 2
• Lux For Less: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How Much Homeowners Insurance Do I Need?
• Homeowners Insurance Archives - Clark Howard
• Credit Karma Review: Free Credit Score and More at Your Fingertips
• How To Monitor Your Credit
• How to Freeze Your Child's Credit
• How to Sell on Poshmark: Make Extra Money With This Online Thrift Store
• 401(k) Rollover: How To Roll Over a 401(k)
• Best 529 College Savings Plans By State
• Never Buy These 4 Fake Home Devices, Especially During the Holidays
• Clark Deals

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

Happy Thanksgiving Weekend!

Please enjoy this Special Best Of Birthday episode from last June. Clark returns December 1st with new ways to Save More, Spend Less and Avoid Getting Ripped Off!

About Clark Howard  +  A Special Birthday Edition of Clark Stinks   

Today we celebrate Clark Howard’s birthday and the many accomplishments he’s inspired - starting with Clark’s own telling of his life’s trajectory into an ongoing mission of service. And in the second half of the podcast, a sampling of the many appreciations Clarkies sent in to celebrate him today. It may be Clark Stinks day, but on this Birthday he comes out smelling like a high dollar rose bought on sale! 

• About Clark: Segments 1 & 2
• Clark Stinks-Special BD Edition: Segments 3 & 4

Mentioned on the show:

• About Clark Howard
• Clark Howard: Habitat for Humanity
  

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

Clark shares a warning about booking any future travel, whether it’s a cruise, rental house, tour or flight - and has two specific guidelines to help protect your money. Also - Vehicles have become increasingly expensive. The average cost for a new automobile has reached an all time high. Know the Clark smart strategies for car buyers.

• Travel Booking: Segment 1
• Ask Clark: Segment 2
• Clark Smart Car Buying: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Why You Should Never Pay for Travel with a Debit Card
• Travel Insurance Checklist: 5 Types of Coverage To Consider
• InsureMyTrip Review: Why We Like It and How to Use It
• Elliott Report: Home
• Report: The Average Price of a New Vehicle
• Cars Archives - Clark Howard  /  How To Buy a Used Car
• How To Find a Trustworthy Mechanic

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

We’re starting out this holiday week talking about one of Clark’s great loves - warehouse clubs. Clark discusses how the warehouse club business model works to offer consumers lower prices & how the big three are dominating sales. Also - With AI perfecting voice cloning and all types of scams in general, there’s now a necessary step for every family to take to protect each other and help prevent scams. 

• The Warehouse Club Advantage: Segment 1
• Ask Clark: Segment 2
• Your Family Code Word: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Costco vs. Sam’s Club vs. BJ’s Wholesale: Which Is Best?
• Warehouse Clubs Archives - Clark Howard
• Automatic Bill Pay: How It Works and How To Do It Safely
• How Long Will It Take for My Credit Score To Go Up if I Missed a Payment?
• Why Every Family Needs a Code Word
• Is It Ever OK To Co-Sign a Loan With a Family Member?
• Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards
  

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, auto thefts are down, but some vehicles are bigger targets for theft than others - and they’re probably not the models you’d expect. Do you have a car that is more likely to be stolen?

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

Mentioned on the show:

• Should I Ditch My Southwest Airlines Credit Card?
• Best Airline Credit Cards for 2025: Are They Right For You?
• OnePay CashRewards Card: Is the New Walmart Credit Card Worth It?
• What Is an HSA Account and How Does It Work?
• CarBuzz: Hyundai And Kia Top A List They Really Don't Want To
• Going to college: Your guide to campus life and money
• How To Transfer IRA Funds to an 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: megaphone.fm/adchoices

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

Thanksgiving is upon us and the expense can get crazy. Clark shares ways to spend less on the family feast. Later - you may be charged more when purchasing online because of the WAY you shop, among other factors. How do you know you’re getting the best price?  Clark explains “surveillance pricing”  and money saving tricks of the trade. Plus, at the very end of the podcast Clark has an important tip for Medicare Advantage plan holders.

• Save On Thanksgiving Dinner: Segment 1
• Ask Clark: Segment 2
• Savvy Shopping Online: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• ⁠Aldi's Thanksgiving dinner is just $4 per person⁠

• ⁠The Best Deals of Aldi's Middle Aisle in November⁠

• ⁠#1 Way To Protect Yourself From Credit Card Skimmers⁠

• ⁠Is a HELOC a Good Idea? The Simple Answer⁠

• ⁠How To Get the Best Price Possible Shopping Online⁠

• Secret Pricing Tricks Companies Don’t Want You To Know

• ⁠How To Use Camelcamelcamel⁠

• ⁠Clark Deals - Laptops⁠

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

⁠Don’t miss out on the early Christmas gift from your Insurance Company when your Medicare Advantage (MA) plan gets canceled. ⁠⁠

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