The Clark Howard Podcast

Travel demand has slowed and airlines are cutting service. Today Clark discusses the airline recession taking place, and the hazard & opportunity this presents for travelers. Also, Clark addresses some of the confusion surrounding student loan repayment. What you need to know if you or a family member has student loan debt.

• Air Travel Guidance: Segment 1
• Ask Clark: Segment 2
• Student Loans: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 3 Reasons You Should Never Book a Nonrefundable Hotel Room
• Using Cellular Data Internationally: Buying a Local SIM Card
• The Best International Phone Plans
• The Best Phone Plan For You - Compare Phone Plans
• Clark,com Cell Phone Plans
• Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now
• Scott’s Cheap Flights - Going.com
• NYTimes: Tips for Navigating the ‘Chaotic System’ of Student Loan Repayments
• National Association of Student Financial Aid Administrators
• How Many Credit Cards Should I Have?
• Why You Should Keep Old Credit Card Accounts Open
• My 7 Rules for Using Credit Cards

Clark HowardClark.com resources:

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

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Are We in a Passive Investing Bubble? and Lump Sum Investing vs. Dollar Cost Averaging

Is passive investing creating a stock market bubble? Fiduciary financial advisor Wes Moss dives into the rise of index funds, why they became so popular, and the potential concerns. Also, Wes covers a classic investing strategy: Dollar Cost Averaging (DCA). He explains how systematically investing over time can smooth out your cost basis and make investing less daunting, especially with a lump sum. We'll look at how DCA stacks up against investing a lump sum all at once – you might be surprised by the numbers!

Plus, Christa shares your #AskWes questions and Wes gives his take.

All this and more on the May 20, 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, in which Christa and Wes discuss investing and retirement savings in depth.

Let us know what you think in the comments!

Learn more about Wes:  Wes Moss, CFP®

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The 401(k) is a great retirement instrument because saving is automatic and investments grow over time. So is it ever OK to ⁠borrow from a 401(k)⁠? Know the “opportunity costs”  involved. Also - good news if you like to ⁠check bags⁠ on flights. 

• 401(k) Loans: Segment 1
• Ask Clark: Segment 2
• No More Lost Luggage!: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• ⁠Is a 401(k) Loan a Good Idea? Almost Never⁠
• ⁠How To Open a Roth IRA⁠
• ⁠Enrolled agent information | Internal Revenue Service⁠
• ⁠National Association of Enrolled Agents⁠
• ⁠Should I Buy an AirTag for My Checked Airport Luggage?⁠
• ⁠What Is an eSIM? 5 Things To Know⁠ - ⁠GIGSKY - International eSIM Data Plans⁠
• ⁠Using Cellular Data Internationally: Buying a Local SIM Card⁠
• ⁠Deposit Insurance FAQs | FDIC.gov⁠
• ⁠Can I Trust the FDIC’s Recommendations on Getting Insured for More Than $250,000 at a Single Bank?⁠
• ⁠Are Credit Union Deposits Insured Up To $250,000?

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, potential car buyers face a lot of questions right now -  should you buy new or used? If buying used, is Certified Pre-Owned (CPO) the way to go? Clark shares advice to help you navigate decision making. 

• Clark Stinks: Segments 1 & 2
• Vehicle Purchase: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Roth vs. Traditional 401(k): What's the Difference?
• Why 'Buy Now, Pay Later' Worries Clark Howard
• Best Credit Cards With No Foreign Transaction Fees in 2025
• The Best International Phone Plans
• Why You Should Never Mail a Check
• How To Buy a Used Car
• Certified Pre-Owned Vehicles: What You Need to Know Before You Buy
• Should You Ever Lease a Car?
• When Should I Drop Comprehensive and Collision Coverage?
• Best Place to Get a Car Loan
• Car Loan and Payment Calculator - 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, learn more about I-Bonds. Are they still worth buying? Clark explains how I-Bonds work and why they can be a solid part of your saving strategy. Also, the tariff news keeps coming, with a temporary reprieve on goods from China now in effect. Clark discusses what this will mean for consumers and merchants moving forward.

• Series I Savings Bonds: Segment 1
• Ask Clark: Segment 2
• The Tariff Reprieve: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• 6 Things To Know About Series I Savings Bonds
• Do Not Use Smartwatches or Smart Rings to Measure Blood Glucose Levels: FDA Safety Communication
• Dexcom G7 CGM and Stelo Glucose Biosensor
• Subaru Ascent SUVs Recalled. Automaker Advises Owners to Park Outside and Away From Structures.
• The Center For Auto Safety
• How Much Money Do I Need in My Emergency Fund?
• HSA Store - Learning Center
• What Is an HSA Account and How Does It Work?

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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Breaking Down ETFs/Index Funds/Mutual Funds and Retirement vs. Brokerage Accounts

Confused about ETFs, index funds, and mutual funds? Fiduciary financial advisor Wes Moss breaks down these "cousins" of investing – including when to use them. Also, retirement accounts vs. brokerage accounts – what’s the difference and what’s the best option for you? Wes explains everything you need to know!

Plus, Christa shares your #AskWes questions and Wes gives his take.

All this and more on the May 13, 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, in which Christa and Wes discuss investing and retirement savings in depth.

Let us know what you think in the comments!

Learn more about Wes:  Wes Moss, CFP®

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The Congressional Budget Office update found the top 10% of earners in the U.S. have 70% of the nation’s wealth, possibly the greatest disparity in our history. Today, Clark discusses the severity of income inequality and its effects on our society. Also - if you have a smart device in your home, you might not realize some of the privacy concerns, especially with Amazon’s Alexa.

• Income Inequality: Segment 1
• Ask Clark: Segment 2
• Privacy Warning!: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• NYTimes: America Has Never Been Wealthier. Here’s Why It Doesn’t Feel That Way.
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Understanding Home Equity Agreements
• Amazon Is Removing a Key Alexa Privacy Setting: Should You Worry?
• [The Washington Post] Alexa is getting creepier. Take this one step to improve your privacy.
• When Is the Best Day and Time To Call Customer Service?
  

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 - Restaurants of all types are having to adapt to difficult market conditions. Many have failed in the last two years due to high food, labor and leasing costs. Those that succeed offer lessons in adaptation for all businesses.

• Clark Stinks: Segments 1 & 2
• Business Adaptation: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Should I Buy Gold? Is It a Good Investment?
• Highest Cash Back Credit Card Calculator - Clark Howard
• Best 2% Cash Back Credit Cards: 11 Options for 2025
• Best Cash Back Credit Cards With No Annual Fee in 2025
• Should You Redeem Credit Card Points for Travel Rewards or Cash Back?
• Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now
• The Platinum Card® from American Express Review: Is It Worth It?
• When Should I Drop Comprehensive and Collision Coverage?
• Liability vs. Full Coverage: Which Auto Insurance Do You Need?
• The Best Places To Buy Eyeglasses
• Zenni Optical Review: 6 Things To Know Before Your First Order
• 4 Things To Know Before You Buy Glasses From Costco Optical
• What Is Umbrella Insurance and Do You Need It?

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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In today’s episode - you may have heard ads for services that allegedly lock your home’s title. Are they worth it? Clark talks about how best to guard your greatest asset - your home.  Also, as the economy goes into lower gear with layoffs more frequent, Clark has important new info for today’s job seekers. 

• Home Title Protection: Segment 1
• Ask Clark: Segment 2
• AI & Your Resume: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• CBS News: FBI Boston warns property owners, real estate agents about "title pirates" after I-Team reports
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• 4 Signs You’re a Victim of Deed Theft (and How To Avoid It)
• 4 Insurance Policies You Actually Need (And 4 You Don't)
• Should You Buy an Extended Warranty on Your Car?
• Best Resume Template: 9 Ways To Update Your Resume
• CRASH Network - Insurer Report Card
• How to Shop for Lower Car Insurance
• Fidelity - Spending & Saving Money | Take Control of Your Money
• Best Online Banks: Free Checking and High-Interest Savings Accounts

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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Is Owning a Home Still a Good Investment? and 5 Areas To Cover With a Financial Advisor

Ever wonder if buying a home is still a smart move in today's market? Fiduciary financial advisor Wes Moss reveals why housing can be a powerful "forced savings plan" and a hedge against inflation, especially for happy retirees. He examines historical trends, the recent housing boom, and the current median home price. Is buying now a nerve-wracking mistake, or a cornerstone of long-term wealth? Also, are you making the most of your conversations with your financial planner? Wes unveils the crucial categories he calls the "5 P's" to have more productive and meaningful meetings with your advisor.

Plus, Christa shares your #AskWes questions and Wes gives his take.

All this and more on the May 6, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!

Learn more about Wes:  Wes Moss, CFP®

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Today, Clark has 2 key warnings. First - you won’t believe how burglars are casing your home now using hidden high tech - what to look out for. And - how to avoid getting burned when booking a hotel. Plus, Clark answers your questions -  post at Clark.com/ask.

• Burglar Surveillance: Segment 1
• Ask Clark: Segment 2
• Hotel Booking Warning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How to Stop the Burglars Who Are Planting Hidden Security Cameras
• How to Get a Mortgage in 8 Steps
• Cheapest Way to Rent a Car: Expert Tips
• 5 Things to Know About the Costco Car Rental Program
• AutoSlash Review: How To Save on a Rental Car
• 3 Reasons You Should Never Book a Nonrefundable Hotel Room
• Travel Insurance: What You Need To Know Before You Buy

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, Clark talks about innovation in the face of tariffs. A new tool has been created to help some businesses navigate prices, and it’s a great example of American ingenuity.

• Clark Stinks: Segments 1 & 2A
• Tariff Tool: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• When Is the Best Time To Collect Social Security?
• 7 Money Mistakes You Might Be Making at the Gas Station
• Public Complaint Process | US Department of Transportation
• Costco vs. Sam's Club: What Is the Difference?
• From Axios: Perfect timing: A tool for tariffs
• Are Extended Warranties Ever Worth It?
• Here's How Long Your Home Appliances Should Last
• Should You Buy an Extended Warranty for Your TV?

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 talks about where you can find deals that aren’t subject to tariffs.

Also, now is the time to consider ways to lower home energy costs and Clark shares some money saving ideas.

Buy Secondhand First: Segment 1

Ask Clark: Segment 2

Home Energy: Segment 3

Ask Clark: Segment 4 

Mentioned on the show:

• 9 Things You Should Always Buy Used
• Automatic Bill Pay: How It Works and How To Do It Safely
• Are Solar Panels Worth it? 3 Things To Consider Before You Get Solar Panels
• How To Save Money on Utilities
• Residential Clean Energy Credit | Internal Revenue Service
• Roth vs. Traditional 401(k): What's the Difference?

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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Stock Market Fear Index and Missing the Worst Market Days Hurts You More Than You Think

Feeling anxious about the volatile market in 2025? Fiduciary financial advisor Wes Moss breaks down why history shows us that peak fear always subsides. He analyzes past VIX spikes over the last 25 years to offer a reassuring perspective. Learn why it's unlikely this heightened fear will last forever and what history tells us about market recovery. Also, you've heard about the cost of missing the best market days, but what about the worst? Wes explains why trying to sidestep market downturns is often a losing strategy.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 29, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!

Learn more about Wes:  Wes Moss, CFP®

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Today, Clark - Man From Roth, talks about why now might be the best time to do a Roth conversion. Also - why big bank fees are back and how you can prevent getting your wallet pinched in this way. 

Roth Conversion: Segment 1

Ask Clark: Segment 2

Beware Bank Fees: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• Clark.com - The ROTH IRA & 401(K)
• Retirement Calculator: With Social Security and Pension
• How Often Should You Re-Shop Insurance?
• How to Shop for Lower Car Insurance
• Best Free Checking Accounts   //   Best Savings Accounts 
• High-Yield Savings Account Calculator
• Automatic Bill Pay: How It Works and How To Do It Safely
• Best 529 College Savings Plans By State
• Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later?

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, Clark puts favorite child Fidelity in time-out due to a current practice they’re engaged in that account holders need to be well aware of. 

Clark Stinks: Segments 1 & 2

Fidelity Warning: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• This Simple Maintenance Schedule Will Make Your Car Last Longer
• Walmart Tire Center   /   Clark.com - TIRES
• Walmart+ Membership Program: 4 Things To Know
• 23andMe Bankruptcy: Why You Should Erase Your Data Now
• Raisin Review: Can You Trust This Online Savings Marketplace?
• Apply for an electronic travel authorisation (ETA)
• “Guaranteed” Not to Lose Money in the Stock Market? What’s the Catch? — FinancialFreedomforWomen.Org
• What Is an Annuity, and Why Does Clark Think They Stink?
• The Only Two Exceptions to Clark Howard's Annuity Rule
• What’s the Best Way To Exchange Dollars for Foreign Currency?
• Best Credit Cards With No Foreign Transaction Fees in 2025

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 looks at how the cost of summer travel is trending, and shares money saving advice from a recent trip abroad. Also in this episode, Clark explains the significance of bond funds to the market and to your investments.

Latest Travel Tips: Segment 1

Ask Clark: Segment 2

A Briefing On BOND FUNDS: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• Cheapest Way to Rent a Car: Expert Tips
• 3 Reasons You Should Never Book a Nonrefundable Hotel Room
• 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?
• Scams & Rip-Offs Archives - Clark Howard
• Travel Insurance Checklist: 5 Types of Coverage To Consider
• Inverse Relation Between Interest Rates and Bond Prices
• Best 0% Intro APR Credit Cards: Top Picks for 2025
• Clark Howard's 2025 Credit Card Debt Elimination Strategy

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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Scared to Spend? Don't Cancel Plans and #1 Investment Benchmark

Worried about the market and your upcoming vacation? Fiduciary financial advisor Wes Moss explains why you shouldn't cancel your beach trip due to market volatility. Learn a rational approach to navigating bear markets and protecting your life plans. Also, Wes reveals the surprising investment benchmark everyone is really watching (and why it might be misleading you!).

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 22, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!

Learn more about Wes:  Wes Moss, CFP®

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Today, Clark talks GOLD! Should you be buying gold to help offset the uncertainty of the stock market? Clark discusses the nature of gold as an asset, and, should you decide to buy it, the best way to do so. Also - you may have seen lots of ads lately from the big cell phone carriers. Is it time to switch? 

Gold As An Asset: Segment 1

Ask Clark: Segment 2

Cell Phone Plan Update: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• Should I Buy Gold? Is It a Good Investment?
• Should You Buy Gold at Costco?
• Warning: How You Should NOT Buy Gold
• Trump Says Tariffs Are Reciprocal. They Aren’t.
• The trade deficit isn’t an emergency – it’s a sign of America’s strength
• WSJ: Verizon Offers 3-Year Price Lock for Wireless Customers
• Best Verizon MVNOs: Cell Phone Companies That Use Verizon’s Towers
• Verizon Wireless Deal: Get Four Unlimited Lines for $100
• 13 New Cell Phone Deals in April  - Google Fi Review
• The Best Phone Plan For You – Compare Phone Plans
• Best Phone Plans: Get Exactly What You Want at the Cheapest Price
• Xfinity Mobile Review: Verizon’s Network Starting at $20 a Month
• Spectrum Mobile Review: 7 Things To Know Before You Sign Up
• Automatic Bill Pay: How It Works and How To Do It Safely
• Charles Schwab Review: Pros & Cons
• 5 Money Tips To Know Before You Travel Abroad
• What Is an HSA Account and How Does It Work?

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, when it comes to medical insurance denials, companies count on people just paying up. But those who appeal are often successful. Clark shares a new guide that makes the appeal process easier.  

Clark Stinks: Segments 1 & 2

Appeal Health Insurance Denial: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• Certificate of Deposit (CD): What Is It, Best Places To Open One
• Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account
• 23andMe Bankruptcy: Why You Should Erase Your Data Now
• What Is a Solo 401(k) and How Does It Work?
• When Is the Best Time To Collect Social Security?
• What Is an ABLE Account?
• Find Out Why Health Insurance Denied Your Claim
• What Should You Do if Your Insurance Claim Is Denied?
• Can a Patient Advocate Help With Your Medical Bills?
• What's the Best Way To Send Money Overseas?

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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AI is spreading fast - too fast. Can you trust the answers you get? Clark relates how trusting AI can cost you time and money.  Also, consumers are leaving money on the table when eating out. Asking for a doggy bag? No shame in that game! What’s RIGHT about leftovers.  

AI Warning: Segment 1

Ask Clark: Segment 2

To Go Box: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• Gen AI's Accuracy Problems Aren't Going Away Anytime Soon, Researchers Say
• Elliott Report: Home
• Should You Respond to Class-Action Lawsuits?
• Best Rewards Credit Cards: Top Picks for 2025
• NYTimes: Is the Doggy Bag Dead?
• Should I Be Concerned That I’m Receiving Mail at Home With Someone Else’s Name?
• How To Save on Travel With Google Flights
• What Condo Owners Need To Know About Insurance

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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Tariff Meltdown Investing Lessons and Top 5 Activities for Happiness

The stock market was in a meltdown last week after the tariff announcement, and it has been a roller coaster over the last several days. How do we handle such uncertainty as investors? Fiduciary financial advisor Wes Moss shares lessons from the market meltdown -- and melt up – along with encouraging statistics to help us feel confident with our finances. Also, Wes shares fascinating data about the top five activities that help make us the happiest – and the worst.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 15, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: 

clark.com/ask.

Why Timing the Tariff Market Could Cost You Big

We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!

Learn more about Wes:  Wes Moss, CFP®

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Today brings a Clarkonomics session on something much in the news - the potential for stagflation. Clark explains this economic environment and how you can prepare.  Also, something terrible just got worse: Pay in 4. Why you should just say NO to Buy Now Pay Later.

Clarkonomics - Stagflation: Segment 1

Ask Clark: Segment 2

BNPL Spells TROUBLE: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• Certificate of Deposit (CD): What Is It, Best Places To Open One
• 18 of the Best High-Yield Online Savings Accounts in April 2025
• Are Money Market Funds a Safe Place To Stash My Savings?
• Why Big Banks Are a Bad Place for Your Cash
• Social Security Fairness Act: Windfall Elimination Provision
• File a Consumer Complaint  /  Air Travel Service Complaint | secure.dot.gov
• Axios: BNPL is everywhere  / Why 'Buy Now, Pay Later' Worries Clark Howard
• How To Improve Your Credit Score in 5 Key Areas
• What Is a Secured Credit Card and How Does It Work?
• Why Clark Howard Wants You to Set Up a 'Financial Chromebook'

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 in this episode - we now find ourselves in a frozen job market. Clark explains how this compares to conditions in 2009, and where laid off workers and others seeking employment, are most likely to find work. 

Clark Stinks: Segments 1 & 2

Direction For Job Seekers: Segment 3

Ask Clark: Segment 4

Mentioned on the show:



• 6 Credit Card Sign-Up Bonuses Worth at Least $500
• How To Save Money on Utilities
• Do Not Give Your Social Security Number at These Places
• 401(k) limit increases to $23,500 for 2025, IRA limit remains $7,000
• States rush to hire federal workers out of work after DOGE cuts
• Booking a Cruise? Here Are 5 Ways To Do It for Less
• The Only Way You Should Pay for a Cruise
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Should I Freeze My Credit With the Other Credit Bureaus?
• How To Monitor Your Credit 
• Credit Karma Review: Free Credit Score and More at Your Fingertips

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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In today’s episode - We may need a new name for Dollar Tree, because things there are changing again as the retailer adapts to inflation pressures. Also, the gasoline industry is going “bottom bucket - top bucket”.  Clark explains what this means for motorists, and how to save more on quality gas. 

Dollar Tree Changes: Segment 1

Ask Clark: Segment 2

Spend Less On Gas: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• What Can I Do if My HOA Is Doing a Poor Job?
• A Secret Mortgage Blacklist Is Leaving Homeowners Stuck With Unsellable Condos - WSJ
• What Condo Owners Need To Know About Insurance
• Polybutylene for Inspectors
• What Does a Home Warranty Cover and Is It Worth The Money?
• Does the Brand of Gasoline Really Matter?
• Buying Gas From a Station on This List Is Better for Your Car
• 6 Things To Know Before You Buy Gas at Costco Wholesale
• 7 Money Mistakes You Might Be Making at the Gas Station
• How To Save Money on Gas: 23 Ways
• How To Plan a Trip: Clark's Best Travel Tips To Save Money

Clark.com resources

Episode transcripts

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Clark.com daily money newsletter

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Should You Shift Investments to Cash? and How To Beat Inflation

As investors, we naturally want to protect everything and make everything safe. It’s our human emotion. But fiduciary financial advisor Wes Moss warns us to beware the siren’s song of safety luring you to move to cash. He has three tips to help you ignore the urge. Also, inflation has been wild over the last several years. While inflation is always part of the equation, intense periods of inflation can wreak havoc. Wes shares the secrets to help you beat it.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 8, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: 

clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!

Learn more about Wes:  Wes Moss, CFP®

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Today -  Clark’s view on the impact of auto tariffs from strictly an economics standpoint - plus, direction for car buyers.  Also, 23andMe has gone bust. If you have an account with them, the action you need to take right away. 

Car Tariffs: Segment 1

Ask Clark: Segment 2

23andMe Bankruptcy: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• Hyundai shows off its new $7.6B electric vehicle plant in Georgia as Trump announces tariffs
• Should You Buy a Car Before Prices Rise? What All to Know Before Tariffs Hit.
• Should I Keep My Old Car or Buy a New Car?
• My Vehicle Is Approaching 200,000 Miles. Drive Until It Dies Or Sell Before It Breaks Down?
• How to Buy a New Car in 5 Steps   /   How To Buy a Used Car
• Lemon laws: These states do the best job protecting consumers in new car purchases
• The Center For Auto Safety - Lemon Law Rank Explanations and Examples
• What's the Best Way To Rent a Car Before You Buy It?
• 23andMe Bankruptcy: Why You Should Erase Your Data Now
• 18 of the Best High-Yield Online Savings Accounts in April 2025
• High-Yield Savings Account (HYSA) Calculator

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, if you like to go on cruises, Clark has 2 special warnings for you.

Clark Stinks: Segments 1 & 2

Cruise Warnings: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• The Best Phone Plan For You – Compare Phone Plans
• Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels
• Highest Cash Back Credit Card Calculator / Clark.com - Calculators
• What's the Best Setting for Your Thermostat During the Summer?
• Is One Medical Membership for Prime Members Better Than a Health Concierge?
• Who should apply - European Union - EU Travel Europe
• Check if you can get an electronic travel authorisation (ETA)
• Price Book-Track Grocery Price 4+ - App Store
• Cruise Hive: Virgin Voyages Issues Scam Warning to Cruise Passengers
• The Only Way You Should Pay for a Cruise
• Is the Target Circle™ Card Worth It in 2025?
• Best Online Banks: Free Checking and High-Interest Savings Accounts
• 17 of the Best High-Yield Online Savings Accounts in March 2025

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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A special message from Clark today regarding the new tariffs and stock market reaction. Clark addresses the wide sense of alarm among investors, sharing his perspective and advice. Should investors act? First hear what Clark has to say.

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Today Clark goes back to basics on homeowner’s insurance as rates continue to rise around the country, including 2 common mistakes to avoid, and specific advice for those thinking of moving. Also in this episode - eyes wide open on meme coins and crypto. There are lots of people pitching these as “alternative investments” to the stock market. Get Clark’s take on how to approach the hype. 

Homeowner’s Insurance: Segment 1

Ask Clark: Segment 2

Clark On Crypto: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

Housing market map: How much home insurance is expected to rise by 2055

Best and Worst Homeowners Insurance Companies

How Much Homeowners Insurance Do I Need?

5 Reasons Why Your Home Insurance Will Cancel You as a Customer

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

Warning: How You Should NOT Buy Gold

Limited Purpose Flexible Spending Account (LP-FSA) Guide

What Is an HSA Account and How Does It Work?

Legit Online Surveys for Money: What I Earned

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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Should You Withdraw 5% From Retirement Accounts? and How Corrections Impact the Market

If you think about the most important fundamental in retirement planning, it’s determining the amount of money we can withdraw and still not run out. Fiduciary financial advisor Wes Moss discusses the longstanding 4% rule and runs the numbers on the probability of running out of savings if you bump it to a 5% withdrawal rate – or more. Also, it’s never fun to watch our portfolios drop. Wes walks us through historical corrections and why we shouldn't panic.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 1, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: 

clark.com/ask.

We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!

Learn more about Wes:  Wes Moss, CFP®

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When it comes to retirement accounts, where they’re held is all important and can make a huge difference later in life. Clark explains why knowing your fees is a financial must -  and what to look for. Also today, Clark faces the changes at his favorite airline. It’s time to talk about Southwest.

Retirement Account Fees: Segment 1

Ask Clark: Segment 2

Heartbreaker Southwest: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• What Fee Level Does Clark Consider Acceptable For a Company 401(k)?
• 401k Fees: How Much is Too Much?
• Why You Need To Know Your Company 401(k) Fees
• Roth vs. Traditional 401(k): What's the Difference?
• What Is an Annuity, and Why Does Clark Think They Stink?
• The Only Two Exceptions to Clark Howard's Annuity Rule
• Budgeting - Clark.com
• Big Changes Are Coming To Southwest Airlines Customers
• Should You Cancel Your Southwest Airlines Credit Card?
• Clark Howard's 4 Travel Rules You Should Follow Right Now
• How To Save on Travel With Google Flights
• PAXCESS™ | PAXLOVID™

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, Clark addresses concerns about a potential recession, and how to prepare for that possibility. 

Clark Stinks: Segments 1 & 2

Recession Preparedness: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• Cheapest Way to Rent a Car: Expert Tips
• Why You Should Never Prepay for a Rental Car
• How To Sell, Cancel or Get Rid of Your Timeshare
• Why Vacation Clubs Are Even Worse Than Timeshares
• Are We Heading Into a Recession?
• Consumer Angst Is Striking All Income Levels - The Wall Street Journal.
• Avoid Porch Pirates With Delivery Options From Amazon, UPS, FedEx & USPS

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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One topic that never goes away are the scams criminals constantly come up with to part you from your money. Clark shares a list of the top scams to look out for today - and a new way for Android users to protect themselves.  Another chronic problem - gift cards. Clark provides yet another reason gift cards are fool’s gold.

Top SCAMS: Segment 1

Ask Clark: Segment 2

The Gift Card Hatin’ Club: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• Top scams of 2024
• Google takes the battle to scammers with a groundbreaking feature for Android & Pixel phones
• What Is a Solo 401(k) and How Does It Work?
• How Should I Handle Car Insurance for My Teenage Driver?
• What Is Umbrella Insurance and Do You Need It?
• Walmart+ Membership Program: 4 Things To Know
• National Academy of Elder Law Attorneys Home NAELA
• Why It's More Important Than Ever To Have an Emergency Fund
• The Best Time and Place To Buy a TV
• The best deals on TVs available now

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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Are you seeing unsettling headlines about 2025? You're not alone. Reports show a surge in retirement account trading, with a staggering 40% of people moving to stable value funds. Fiduciary financial advisor Wes Moss explains why "Tariff Terror" is driving these decisions – and the incredible reason why we should navigate uncertainty with confidence. Also, with market dips and volatility on the rise, how can you protect your portfolio? Wes introduces the "Dry Powder Principle” -- your strategic reserve of safety assets.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 18, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!

Learn more about Wes:  Wes Moss, CFP®

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Today, Clark attempts to talk about a topic that always elicits spirited responses - social security. There are questions about the future of the program, and Clark gives you his take. Also, the story of a life well lived which can serve to inspire us all.

Social Security: Segment 1

Ask Clark: Segment 2

All Cash - No Flash: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

• Big Changes Are Coming To Some Social Security Beneficiaries
• When Is the Best Time To Collect Social Security?
• Follow Clark's 4-Month Rule Before Applying for Social Security
• Will Social Security Run Out?   /   Social Security - Clark.com
• Best Credit Cards for Students: Top Picks for 2025
• Home — TreasuryDirect
• What's the Best Savings Account for a Teenager?
• How To Open a Roth IRA
• Investment Growth Calculator - Clark Howard
• Bob Kierlin, Frugal CEO Who Wore Secondhand Suits, Dies at 85 - WSJ
• Countries Offering Digital Nomad Visas
• What Is an HSA Account and How Does It Work?
• Why You Should Never Use a Debit Card To Pay for Anything

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 - giving money to adult kids can be a tricky subject. Some parents like to give from their estate while still alive, and some feel the need to support their adult children. Clark discusses when and how you should help your adult children with money, without harming yourself financially. 

• Clark Stinks: Segments 1 & 2
• Adult Children And Finances: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Medi-Share & other health care sharing ministries: What you need to know before signing up
• Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025
• Why Gen Xers and Millennials Are Giving More Money to Their Kids Than Baby Boomers
• How to Help Your Kids With Finances When They Move Back Home
• Why Clark Is Prepared To Break His 'No Debit Cards' Rule
• Budgeting & Saving Archives - Clark Howard
• Why Clark Howard Is So Excited About His Wedding Band
• What Brokerage Do You Recommend for First-Time Investors or Kids?
• Best 529 College Savings Plans By State

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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Clark wants to help you to save more, spend less, and if you’re struggling with debt - avoid ripoffs that target debt with more debt. Know how to get legit help if you’re in too deep. Also today - a warning for all travelers involving a serious, fast-growing crime happening here in the U.S. and abroad. 

• Dig Out Of Debt: Segment 1
• Ask Clark: Segment 2
• Travel Warning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Warning: Here’s What Those Debt Settlement Companies Don’t Tell You
• Clark Howard's 2025 Credit Card Debt Elimination Strategy
• How To Get Out of Debt in 7 Steps
• 6 Things To Know Before Contacting the National Foundation for Credit Counseling
• Why You Should Keep Old Credit Card Accounts Open
• How and When To Cancel a Credit Card
• Best Airline Credit Cards for 2025: Are They Right For You?
• Best Travel Credit Cards: Top Rewards Picks for 2025
• Follow Clark Howard's #1 Rule To Travel Cheap
• How To Save Money With Google Flights
• Best Free Streaming Services in 2025: Movies and TV for Cord Cutters
• Credit Score Experts: How To Take Your Score from ‘Good’ To ‘Exceptional’

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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Retirement Accounts in Panic? and Your Secret Weapon for Volatile Markets

Are you seeing unsettling headlines about 2025? You're not alone. Reports show a surge in retirement account trading, with a staggering 40% of people moving to stable value funds. Fiduciary financial advisor Wes Moss explains why "Tariff Terror" is driving these decisions – and the incredible reason why we should navigate uncertainty with confidence. Also, with market dips and volatility on the rise, how can you protect your portfolio? Wes introduces the "Dry Powder Principle” -- your strategic reserve of safety assets.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 18, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: https://clark.com/ask

We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!

Learn more about Wes: Wes Moss, CFP®

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Today Clark focuses on one of the biggest purchases most of us make in life - cars. There are ways to get a vehicle for way less money than most people pay. Also, a look at the pros & cons of so called smart electric meters and time of use plans offered by utility companies - and how to decide which is best for you. 

• Best Low Cost Vehicles: Segment 1
• Ask Clark: Segment 2
• Smart Meters: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Best new cars in 2025: Consumer Reports reveals top picks for reliability, safety and more
• Costco Car Buying Program: 4 Things To Know Before You Sign Up
• How To Buy a Used Car / How to Buy a New Car in 5 Steps
• Elliott Report: Home
• Should You Get a Smart Meter for Your Home?
• What Is Term Life Insurance?
• How To Buy Term Life Insurance in 7 Easy Steps
• What Is Disability Insurance and How Does It Work?

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. Later - the housing market has made a huge turn. Clark spells out several factors creating market shifts both buyers and sellers should take note of.

• Clark Stinks: Segments 1 & 2
• Current State Of The Housing Market: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Where You Should Never Buy Travel Insurance for a Cruise
• InsureMyTrip Review: Why We Like It and How to Use It
• CarMax vs. Carvana: A First-Hand Experience Selling a Car in 2024
• How To Sell Your Car in 6 Steps
• My 7 Rules for Using Credit Cards - Clark Howard
• Best 529 College Savings Plans By State
• Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later?
• Home Buyers Are Finally Getting the Upper Hand Again
• Roth vs. Traditional 401(k): What's the Difference?

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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With the price of goods in flux, it helps to be in the know to protect your wallet. Clarkies know how Clark uses unit pricing to shop smart at the grocery store. You would think that the bigger the bag, the smaller the unit price. Not so. Clark fills you in on what manufacturers have been doing and what to keep in mind with all purchases moving forward. Also - Travelers be prepared: the Real ID flight requirement domestically, and travel authorizations for entry into Europe are upon us.

• The Retail Pricing Game Now: Segment 1
• Ask Clark: Segment 2
• Flyers: Real ID Kicks In: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Costco Hearing Aids: 5 Things To Know Before You Buy
• Miracle-Ear Hearing Aids: 5 Things To Know Before You Buy
• Sam's Club Hearing Aids: 5 Things To Know Before You Buy
• Connect Hearing: 5 Things To Know Before Your First Visit
• HearUSA: 5 Things To Know Before Your First Visit
• Travel Alert: REAL ID Deadline Coming Soon-Clark.com
• What is ETIAS - European Union / Apply for an electronic travel authorisation (ETA)
• 6 reasons to add your Passport to Google Wallet
• How Should I Safeguard My Passport When I Travel Abroad?
• Best Free Password Managers: 10 Top Picks
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Follow Clark Howard's #1 Rule To Travel Cheap
• 9 Free Federal and State Tax Filing Services for 2025

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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Are you dreaming of an early retirement but worried about making costly mistakes? In this episode, Wes uncovers six critical errors to avoid before taking the leap. With recent trends of companies offering buyouts and encouraging early exits, it's more important than ever to be prepared. Wes explores the shift in retirement expectations, from the traditional model to the modern reality, and discusses how to navigate this changing landscape. Don't let these common mistakes derail your early retirement dreams.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 11, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!

Learn more about Wes: Wes Moss, CFP®

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Clark loves to travel and does so very often. Understandably, many people are nervous about flying these days. Clark discusses airline safety, and how you can save big bucks with discount carriers. Also today - the latest on used car prices.

• A First Class Spirit Flight: Segment 1
• Ask Clark: Segment 2
• Used Car Prices: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• After a string of incidents, some flyers are sticking with a surprising carrier: Spirit
• Southwest Offers Companion Pass as New Credit Card Signup Bonus- Clark.com
• Your Passport Could Be Useless -- Even if It's Not Expired
• What is ETIAS - European Union / UK Travel ETA
• Should I Tip on a Cruise?
• Best Credit Cards With No Foreign Transaction Fees
• 5 Money Tips To Know Before You Travel Abroad
• Car Rental Insurance: Everything You Need To Know - Clark.com
• Credit Card Car Rental Insurance: What You Need To Know - Clark.com
• How To Buy a Used Car - Clark.com
• Do I Need a Mechanic Inspection When Buying a Used Car from CarMax or Carvana?
• Should You Allow Your Auto Insurance To Monitor Your Driving?
• Liability vs. Full Coverage: Which Auto Insurance Do You Need?

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 - this weekend marks daylight savings time, and Clark has an important assignment for you that can help ensure your insurance works better for you.

• Clark Stinks: Segments 1 & 2
• Walk & Talk Home Video: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Free File Fillable Forms | Internal Revenue Service
• What Is an Annuity, and Why Does Clark Think They Stink?
• The Only Two Exceptions to Clark Howard's Annuity Rule
• Google Fi Review: My Experience as a 6-Year Customer (Pros and Cons)
• Lightbox lab-grown diamond jewelry. Bringing light to life.
• Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards
• Clark Howard's 5-Point Annual Checklist You Should Follow
• Protect Your Belongings by Videotaping Them Once a Year
• What Can I Safely Use for Peer-to-Peer Payments?
• What Is a Fiduciary Financial Advisor and Do I Need One?
• How To Find and Choose a Financial Advisor
• Shipping Costs at the Post Office Just Went Up

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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Clark shares data showing how far your dollars will go in retirement depending on where you live in the country. The differences from state to state, even within the same region - are remarkable. Also - Clark discusses how tariffs affect the economy and what to prepare for as consumers and as workers

• The Cost Of Living By State: Segment 1
• Ask Clark: Segment 2
• Tariffs: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Mapped: How Far $1 Million Gets You in Retirement, by U.S State
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Are Money Market Funds a Safe Place To Stash My Savings?
• Vanguard Review: Pros & Cons   /   Vanguard Personal Advisor Review
• What Is a Fiduciary Financial Advisor and Do I Need One?
• What Are Index Funds?
• What Is an Annuity, and Why Does Clark Think They Stink?
• Clark's Updated Way To Shop for Car Rental Deals
• Cheapest Way to Rent a Car: Expert Tips
• 17 of the Best High-Yield Online Savings Accounts in February 2025
• High-Yield Savings Account (HYSA) Calculator

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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10 Habits of the Happiest Retirees

Are you dreaming of a truly happy retirement? Fiduciary financial advisor Wes Moss reveals the 10 key habits of those who are living their best post-work lives, based on years of research. In today’s Ask an Advisor episode, Wes dives into both the financial and lifestyle choices that make all the difference.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 4, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!

Learn more about Wes: Wes Moss, CFP®

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Team Clark has long advised consumers in difficulty with financial institutions to file a complaint at ConsumerFinace.gov. Clark gives his take on what is currently happening with the Consumer Financial Protection Bureau and how they have served people in the past. Also today - Clarkies know how much Clark loves Costco. But it seems that lots of people love another warehouse club even more. 

• The Consumer Financial Protection Bureau: Segment 1
• Ask Clark: Segment 2
• Survey: Warehouse Club Satisfaction: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Are Credit Card Fees Tax Deductible?
• Elliot Report - TEMU Customer Service Contacts
• Best Travel Credit Cards: Top Rewards Picks for 2025
• The Platinum Card® from American Express Review: Is It Worth It?
• Is Chase Sapphire Reserve® Worth It?
• Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025
• Capital One Venture X Business: 5 Things To Know
• Costco Was Just Dethroned As the Top Warehouse Club for Customer Service
• 5 Reasons Sam's Club Is Better Than Costco
• What Are Index Funds? / What Is an ETF?
• This Simple Maintenance Schedule Will Make Your Car Last Longer

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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Money doesn’t mean much without health and well-being, and Americans are enjoying one life’s simple pleasures less and less. We know what a hazardous distraction phones can be while driving. But a new study shows this and other distractions impact one’s ability to disconnect and focus on enjoying healthy meals - more important to health than we realize. Also today, a cautionary tale about health insurance plans that don’t comply with the ACA.

• Banish Phone Distraction: Segment 1
• Ask Clark: Segment 2
• Non-Compliant Health Plans: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The Best Time and Place To Buy a TV
• ClarkDeals - The best deals on TVs available now
• Health Plans That Don’t Comply with the ACA Put Consumers at Risk
• How and When To Cancel a Credit Card
• Should You Buy an Extended Warranty on Your Car?
• Best Budgeting Apps in 2025: Our Top 6
• Rocket Money Review: 6 Things To Know Before You Sign Up

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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Remember when Spam was something that just came in a can? Now, it’s an annoyance that shows up on our phones and in our inboxes on a daily basis. Know how to manage these attempts at fraud.  Also today,  a follow-up on something Spain is doing that shows huge promise for water supplies around the world. 

• SPAM: A Lot!: Segment 1
• Ask Clark: Segment 2
• Water Supply Solution: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How To Stop Spam Calls for Good
• How To Stop and Report Spam Emails
• How To Recognize and Report Spam Text Messages
• Unwanted Calls | Consumer Advice  /  Do not call map
• Capital One Venture X Business: 5 Things To Know
• Best Travel Credit Cards: Top Rewards Picks for 2025
• Why Clark Thinks These Are the Best 2 Travel Rewards Cards Right Now
• Highest Cash Back Credit Card Calculator
• Homeowners Insurance Archives - Clark Howard
• US engineers turn salty seawater into drinking water with new cheap method
• 401(k) Rollover: How To Roll Over a 401(k)
• 10 Retirement Rule Changes for 2025 & Beyond
• How To Save Money on Gas: 23 Ways

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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