The Clark Howard Podcast

How much money do you need to retire? Fiduciary financial advisor Wes Moss outlines two straightforward methods to determine the amount you'll need for a comfortable retirement. Wes walks you through factoring in income streams like Social Security and pensions, alongside your individual spending goals, to arrive at your target number. Also, "doom and gloom" headlines can often dominate financial news. Should you listen? Wes shares his perspective.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 25, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.

Mentioned on the show:

Calculators - Clark Howard

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 recommends a simple measure we can take to help protect our financial accounts, and those of our aging loved ones, from fraud. Also - many are looking to book their summer travel, and the airlines are raising prices. Clark shares strategies to bend that price curve in your favor. 

• Trusted Contacts: Segment 1
• Ask Clark: Segment 2
• Navigating Airfares: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Why You Should Name a Trusted Contact
• How to protect yourself against financial exploitation - Vanguard
• How To Cancel & Get Rid of PMI Earlier
• What's the difference between PMI and MIP?
• National Association of Enrolled Agents
• Best 529 College Savings Plans By State
• Clark Howard’s Airfare Price Predictions for 2025
• Follow Clark Howard's #1 Rule To Travel Cheap
• NYTimes: Prices: A Mixed Outlook on Flights, Hotels and Cruises
• Coming to a Tiny Airport Near You: New Airlines
• Booking a Cruise? Here Are 5 Ways To Do It for Less
• Tipping on a Cruise: Your Complete Big-Ship Tip Guide
• InsureMyTrip Review: Why We Like It and How to Use 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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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, changes at Amazon have impacted customer service. Clark discusses what’s going on and what you need to look for when purchasing. 

• Clark Stinks: Segments 1 & 2
• Amazon Customer No-Service: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How To Get Out of Debt in 7 Steps
• Credit Card Car Rental Insurance: What You Need To Know
• The Chase Sapphire® rental car insurance guide
• 8 Free or Cheap Cybersecurity Tips for Travelers
• 12 Keys To Keeping Your Home Wi-Fi Network Safe and Secure
• Introduction to Treasury Inflation-Protected Securities (TIPS)
• 10 Ways To Save on Prescription Drugs
• How to Buy a New Car in 5 Steps
• Costco Car Buying Program: 4 Things To Know Before You Sign Up
• 10 Common Job Search Scams

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 of the most popular pages on Clark.com is our Best High Yield Online Savings Accounts article, because we all want to get the most interest on our cash. Capital One was recently accused of cheating customers out of interest rate payments - so how do you ensure you are getting best rates? Also - several high profile celebrities have revealed that they have run out of retirement savings. It just goes to show that it’s not how much you make, but how much you save. Avoid the MPC (Marginal Propensity to Consume) trap that has drained dry even the wealthiest of earners. 

• Make More On Savings: Segment 1
• Ask Clark: Segment 2
• Retirement: Running On Empty: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Capital One Accused of ‘Cheating’ Customers Out of $2 Billion
• Best High-Yield Online Savings Accounts - Clark.com 
• High-Yield Savings Account (HYSA) Calculator
• How To Open a Roth IRA
• Best 529 College Savings Plans By State
• 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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Do you want to be a millionaire? Wes dives into the fascinating trend of "mini millionaires" and uncovers the secrets to their success. He explores data from the Federal Reserve and the Wall Street Journal, revealing the common traits of those achieving millionaire status. Are they earning massive salaries? How much does education matter? He breaks down the key factors. Plus, he revisits the timeless wisdom of "The Millionaire Next Door" and how its core principles still apply today. Also, Wes shares three powerful investing lessons from an interview with the legendary John Bogle, founder of Vanguard.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 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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Mid February and as resolutions fade, make the choice to double down! Today, the Clark smart way to join a gym, and what to know about health trackers and your privacy. Also - Zelle is not the only payment app to be concerned about. Spotlight on Cash App and the safest way to transfer money. 

• How To Join A Gym: Segment 1
• Ask Clark: Segment 2
• Payment App Warning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How To Get a Gym Membership for Practically Free
• Why Does Clark Howard Wear 2 Watches?
• 13 of the Best Free Workout And Fitness Apps
• Consumer Reports - Your Exercise Bike Knows a Lot About You & Doesn't Keep Every Secret
• IRS Direct File Expands to Millions More Taxpayers
• 9 Free Federal and State Tax Filing Services for 2025
• Cash App Ordered To Pay Millions for Fraud, Security Issues
• Safer Ways To Send Money - Clark.com
• 6 Things To Know Before You Buy Gas at Costco Wholesale

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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Happy Valentine’s Day!  One way to help keep love alive is being honest about money matters and talking over financial goals with your partner.  Clark talks about different ways couples can navigate finances successfully. Also, the average cost of a wedding has hit a new high! But there are other ways to think about the big day, and beyond.

• Financial Fidelity: Segment 1
• Ask Clark: Segment 2
• Wedding Expense: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark Howard's 5 Money Tips for Couples
• How Couples Can Get on the Same Page About Money
• 6 Things To Know Before Contacting the National Foundation for Credit Counseling
• How To Spot and Avoid Gift Card Scams
• The One and Only Exception to Clark Howard's 'No Gift Card' Rule
• How To Talk to Your Partner About Money Before Marriage
• SAVE Money On Your Wedding
• Marriage, money and happiness: A timeline
• I Need Plane Tickets for an International Trip. Should I Buy Now or Wait?
• 5 Steps To Getting a Good Deal on a Hotel Room

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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So many Americans are taking on side jobs to make extra cash. Clark talks about how important it is to have your scam radar up, and to prepare for the latest tax implications of gig work. Plus, for parents, Clark discusses the state of financial education and ways to give your kids the financial know-how they’ll need throughout life.

• Legit Gig Work: Segment 1
• Ask Clark: Segment 2
• Financial Education: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Taking the guesswork out of gigs
• 30 Easy Side Hustle Ideas
• Is One Medical Membership for Prime Members Better Than a Health Concierge?
• Amazon One Medical - Portland OR
• How to Find a Geriatric Care Manager / Senior Planning
• NHTSA safety | Check for Recalls. Save Lives.
• Why You Should Never Use a Debit Card To Pay for Anything
• How to Teach Young Kids About Money
• How To Buy Term Life Insurance in 7 Easy Steps
• 4 Types of Term Life Insurance Companies Explained
• Discover it® Cash Back Review: Earn Rotating 5% in Top Categories
• 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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Monthly Pension vs. Lump Sum: The 6% Test and Is the Market Too High To Keep Investing?

Should you take a monthly pension or a lump sum payout? That’s a tricky question, but fiduciary financial advisor Wes Moss has a simple rule that can help you decide. Also, is it better to invest when markets are high or low? Wes breaks down market records since 1950 and shares his perspective on why investing in an all-time-high market is more important to your money than you may think.

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

All this and more on the February 11, 2025, Ask an Advisor episode of the Clark Howard podcast.

Pension vs Lump Sum Calculator - Clark Howard

Should You Take Your Pension in a Lump Sum or Monthly Payments?

Should I Take a $700,000 Lump Sum or a $4,200 Monthly Pension?

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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In today’s episode - It’s a nightmare to feel like you’re in over your head financially. Clark discusses the money traps that accompany our two largest monthly expenses: housing and transportation costs - and how to avoid them. Also - 2025 is bringing back pre-Covid work culture, including more return-to-office mandates. That and other factors mean heavier metro traffic. Clark has a commuter strategy to keep in mind.

• Housing & Vehicle Costs: Segment 1
• Ask Clark: Segment 2
• 2025 Traffic: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Submit a complaint | Consumer Financial Protection Bureau
• The Safer Way To Use Your Debit Card
• Why You Should Never Use a Debit Card To Pay for Anything
• MEFA (Massachusetts Educational Financing Authority) College Cost Projector
• Tuition Inflation - Finaid
• How to Take the Car Keys Away From Unsafe Elderly Florida Drivers
• Do I Need a Mechanic Inspection When Buying a Used Car from CarMax or Carvana?
• How To Buy a Used Car

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 discusses what’s behind rising energy costs now and in the future, and the need for a rethink in home building. 

• Clark Stinks: Segments 1 & 2
• Energy Prices & Home Building: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How To Switch Phone Carriers: 9 Easy Steps
• How To Fight Fraudulent Bank Account Charges
• Can I Access My Streaming Service Anywhere in the U.S. and Internationally?
• IRS Direct File Expands to Millions More Taxpayers
• 8 Free Federal and State Tax Filing Services for 2025
• 5 Reasons Why This Is the Best Time of the Year To File Your Taxes
• Why this Boston homeowner doesn’t pay anything to heat his house
• 10 Ways To Lower Your Heating Bill / How To Save Money on Utilities
• How To Get a Free Credit Report / 4 Ways To Get Your Free Credit Score
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• What Is a Fiduciary Financial Advisor and Do I Need One?

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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Many are obsessed with having a perfect credit score. Clark offers a more realistic goal when it comes to your all important credit rating. Also, when things go wrong with travel, you have to fight for your rights. Clark shares strategies that can help you avoid problems in the first place, and discusses ways to advocate for yourself when you do run into a travel problem. 

• Your Credit Score: Segment 1
• Ask Clark: Segment 2
• Be Your Own Travel Advocate: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• What Is a Good Credit Score?
• How To Improve Your Credit Score in 5 Key Areas
• Why You Don’t Need an 800 Credit Score
• Credit Karma Review: Free Credit Score and More at Your Fingertips
• How Long Will It Take for My Credit Score To Go Up if I Missed a Payment?
• File a Consumer Complaint / Air Travel Service Complaint | secure.dot.gov
• Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly?
• How To Find Cheap Flights in 3 Easy Steps
• Follow Clark Howard's #1 Rule To Travel Cheap
• Going™ | Formerly Scott's Cheap Flights | Flight Subscription

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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Just recently, big news from China jolted the market and the media in the U.S. as a new AI technology entered the field: DeepSeek. In the first part of this episode, fee-only fiduciary financial advisor Wes Moss explains how this development will only increase productivity in America and improve our economy. Also, Wes continues to discuss the DeepSeek news and how it is impacting markets and our investments. He shares five keys to stock diversification to help you limit losses and bad returns.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 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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In today’s episode - Clark has new data on renting vs. buying in terms of long-term net worth and how renters can close the gap. Also, With Valentine’s Day ahead, Clark has good news if you are in the market for jewelry, specifically diamonds. Changes in the marketplace mean deals.   

• Housing: Bridging The Net Worth Gap: Segment 1
• Ask Clark: Segment 2
• The Diamond Marketplace: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The median renter in America has a net worth of $10,400. The median homeowner’s net worth is $400,000
• Should You Take Your Pension in a Lump Sum or Monthly Payments?
• What Is a Fiduciary Financial Advisor and Do I Need One?
• Best Financial Advisors
• De Beers amasses biggest diamond stockpile since 2008 financial crisis
• Verizon administrative settlement payments are nowhere near $100. Here's why
• Should You Respond to Class-Action Lawsuits?
• How To Sell, Cancel or Get Rid of Your Timeshare
• Why Vacation Clubs Are Even Worse Than Timeshares

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 - more issues with short term vacation rental sites like VRBO and Airbnb are cropping up. Who should take responsibility when things go wrong? Know what to be aware of and what to do when the place is not as represented. Also - It’s the best of times AND the worst of times to experience buying a vehicle. Some methods are far more consumer focused than others, which can make a huge difference for your wallet.

• Vacation Rentals: Segment 1
• Ask Clark: Segment 2
• Modern Car Buying: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How short-term vacation rentals use a decades-old internet law to dodge safety concerns
• National Registry Of Unclaimed Retirement Benefits
• How To Find Missing or Lost Retirement Accounts - Clark.com
• AI Lured Me Into a Car Dealership. That’s Where Things Broke Down
• Amazon is officially in the online car sales business
• Why You Should Never Use a Debit Card To Pay for Anything
• How To Avoid ATM Fees
• How To Switch Banks in 4 Simple Steps

Clark.com resources

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

APELLA WEALTH - Advice For Life

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A recent article warns about how the stock market is turning into a casino for many Americans. If you must trade individual stocks, know the hazards, which include capital gains tax. Also today - It’s about to get easier to tell if you are being compensated fairly at work. How new state statutes can work to your advantage.

• Trading & Betting Addiction: Segment 1
• Ask Clark: Segment 2
• New Job Listing Laws: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• More Men Are Addicted to the ‘Crack Cocaine’ of the Stock Market - WSJ
• How To Open a Roth IRA
• 5 Steps To Getting a Good Deal on a Hotel Room
• How Long Should I Save Pictures of My Car Rental?
• Most Americans Feel Good About Their Job Security but Not Their Pay
• New laws are coming for job listings. Many employers aren't prepared
• Credit Card Car Rental Insurance: What You Need To Know
• Is Chase Sapphire Reserve® Worth It in 2024?
• Capital One Venture X Rewards Credit Card: 6 Things To Know
• The Platinum Card® from American Express Review 2024: Is It Worth It?
• How To Choose the Best Charities for Your Donations

Clark.com resources

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

APELLA WEALTH - Advice For Life

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Is It Ever Too Late To Save for Retirement? Fee-only fiduciary financial advisor Wes Moss has an answer, backed by years of research. Also, a major Social Security change in 2025 is set to positively impact nearly three million people. Wes explains everything you need to know, including who will see an increase in their checks.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 28, 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®

Read Wes’ 5 Keys To Be a Successful Investor 

APELLA WEALTH - Advice For Life

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When looking for a flight deal, there’s a trick that can save you a lot of money. Clark points to 3 airlines that might not be on your radar, but should be. Also - is your car spying on you? It’s highly likely. And what happens with your data? Clark discusses privacy concerns prevalent today. 

• New Airlines & Destinations: Segment 1
• Ask Clark: Segment 2
• Vehicular Spying & Privacy Rights: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• NYTimes: Coming to a Tiny Airport Near You: New Airlines
• How To Find Cheap Flights in 3 Easy Steps
• How To Prevent, Report and Repair Identity Theft
• What Is a Credit Union? / Credit Union vs. Bank: What's the Difference?
• Submit a complaint | Consumer Financial Protection Bureau
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Should You Get a Store Credit Card?
• Is your car spying on you? What it means that Tesla shared data in the Las Vegas explosion
• Best Cash Back Credit Cards With No Annual Fee 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

SURFSHARK - Alternative Number: your online identity safeguard

POLICYGENIUS - The Simple Way To Buy Insurance

APELLA WEALTH - Advice For Life

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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, how people end up losing money when they change jobs and what you can do about it.

• Clark Stinks: Segments 1 & 2
• 401(k)s And Changing Jobs: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Do I Really Need To Put Premium Gasoline in My Vehicle?
• [The Washington Post] New job? You may be leaving behind thousands in 401(k) savings.
• Changing Jobs? Don’t Make This Costly Retirement Mistake
• How to Start Investing: 10 Steps for Beginners
• How To Open a Roth IRA
• 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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Today - Consumer spending has steadily become a larger part of the economy over the years. Tech and the ability to shop online has made the problem of shopping addiction substantially worse. Clark shares some simple steps you can take to avoid overspending online. Speaking of the internet - Clark has changed the way he goes online when away from home. You’ll want to hear his recommendations to protect your privacy and your money.

• Shopping Triggers: Segment 1
• Ask Clark: Segment 2
• Public Wi-Fi Warning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The Biggest Money Mistakes To Avoid in 2025
• Why Clark Says It's Time To Dump I Bonds
• Why You Might Be Paying Your Credit Card Bills All Wrong
• Best Phone Plans: Get Exactly What You Want at the Cheapest Price
• Best Unlimited Data Plans in 2024: Starting at $25 for One Line
• The Best Unlimited Hotspot Plans
• The Best International Phone Plans
• Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons)
• What Is a 403(b) and How Does It Work?
• How To Find and Choose a Financial Advisor
• How Much Does a Financial Advisor Cost?
• What Is a Fiduciary Financial Advisor and Do I Need One?

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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According to research, the median happy retiree needs $700,000 to get to retirement. But how do you get there? That’s where stocks come in. In this episode of Ask an Advisor, fee-only fiduciary financial advisor Wes Moss explains why stocks (mostly) are so important to your portfolio and the “dry powder” you need to stay confident in the market. Later in the show, Wes talks about FOMO (fear of missing out) Freddy and why you should ignore him at all costs when looking at your investments.

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 21, 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®

Read Wes’ 5 Keys To Be a Successful Investor 

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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 - what a lawsuit against Ameriprise can teach us all about saving and investing.

• Clark Stinks: Segments 1 & 2
• Savings Rate Rip Offs: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Are Extended Warranties Ever Worth It?
• Should You Buy an Extended Warranty for Your TV?
• Travel Insurance Checklist: 5 Types of Coverage To Consider
• 4 Things To Know Before You Buy a Digital TV Antenna
• T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
• Best Credit Cards for Students: Top Picks for 2024
• Barrons: Ameriprise Asks Judge to Toss Clients’ Cash-Sweep Lawsuit
• 17 of the Best High-Yield Online Savings Accounts in January 2025
• High-Yield Savings Account (HYSA) Calculator
• MyCredit Guide - American Express
• Submit a complaint | Consumer Financial Protection Bureau
• What Is a 403(b) 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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Many Americans are stressed about spending decisions made over the holidays as the credit card bills roll in. Today, a Clark smart assignment for dealing with debt. Also rolling in soon are tax documents. Clark has advice on tax preparation, free filing, and more. 

• Credit Card Debt: Segment 1
• Ask Clark: Segment 2
• This Tax Season: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark Howard's 2024 Credit Card Debt Elimination Strategy
• Why You Might Be Paying Your Credit Card Bills All Wrong
• What Is FedNow?
• IRS Direct File Expands to Millions More Taxpayers
• 8 Free Federal and State Tax Filing Services for 2025
• IRS Tax-Refund Checks Keep Getting Stolen in the Mail - WSJ
• Tax Software vs a Tax Professional: Which Should You Choose?
• Clark.com - When Should You Get an Accountant To Do Your Taxes?
• Why Did My Credit Score Drop?
• 4 Ways To Get Your Free Credit Score
• What Is a Good Credit Score?
• BBB-File a Complaint

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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What does 2025 hold for investors? On this episode of Ask an Advisor, fee-only fiduciary financial advisor Wes Moss breaks down 10 things investors should watch out for in 2025. Should we worry about tariffs? Will the market be more volatile? Can we expect a bull or bear market? You don’t want to miss these valuable insights and more to help you prepare for the year ahead! 10 Things Investors Should Watch Out For in 2025

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 14, 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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January is not only a bargain month to travel, but also brings deals for spring and summer travel. But when shopping travel options, things aren’t always as they appear.  Clark tells you what to look out for when booking flights, cruises, hotels and car rentals  Also - do you know what an Amazon “brushing” scam is? Clark explains this “gift that you don’t want.”

• Summer Travel: Segment 1
• Ask Clark: Segment 2
• Amazon Brushing Scams: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Travel Archives - Clark Deals  /  Travel Archives - Clark Howard
• Auto Europe: Cheap Car Rentals from $6/day! Best Rate Guarantee
• Rentalcars.com: Cheap Car Rental, Price Match Guarantee
• Cheapest Way to Rent a Car: Expert Tips
• When Should You Get an Accountant To Do Your Taxes?
• What Is a Roth 401(k) and How Does It Work?
• 5 Best Robo-Advisors in 2024
• What Is a Fiduciary Financial Advisor and Do I Need One?
• Amazon Scam Warning: Beware of Deliveries You Didn’t Order
• Automatic Bill Pay: How It Works and How To Do It Safely

Clark.com resources

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

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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 - cell phone companies tend to make their plan offers deliberately confusing. Clark offers resources to cut through the hype and zero in on the plan that is best for you, while potentially saving you hundreds of dollars per year.

• Clark Stinks: Segments 1 & 2
• Back To Basics: Cell Phone Plans: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark Deals - Today's Best Deals of the Day
• Why I Think Medicare Advantage Plans Stink - Clark Howard
• What Are Index Funds? // What Is an ETF?
• 3 Ways To Get a Free VIN Check Before Buying a Used Car
• Phone Plan Finder – Find and Compare Phone Plans - Clark.com
• Best Phone Plans: Get Exactly What You Want at the Cheapest Price
• 11 New Cell Phone Deals in January
• Amazon Haul: 4 Things To Know Before You Shop
• Should I Sell My House on My Own or Through a Real Estate Agent?
• How to Shop for Lower Car Insurance
• Best And Worst Homeowners Insurance Companies

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 new survey finds that half of all workers are basically miserable. Are you thinking about getting a new job this year? There are some great ways to receive additional training for free to up your skill set. Also, you can do something absolutely free to improve your health and lengthen your life.  

• 2025 Employment: Segment 1
• Ask Clark: Segment 2
• Rise & Thrive: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The share of US workers who are “thriving” has fallen to a record low
• These 4 fantastic sites offer more than 17,000 free online courses
• Military and Veterans Guide: Free Resources for Your Finances
• Why Clark Howard Is So Excited About His Wedding Band
• NYTimes: Why Sitting All Day May Shorten Your Life
• What's the Best Way To Donate to a Charity?
• Clark Howard: My 7 Rules for Using 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

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Saving for retirement is largely our own responsibility as individuals. As we live longer, we have a lot of time in retirement to prepare for. Plus, events in the world can be complicated which can make investing a nerve-wracking decision. Fortunately, there are basic core pillars and strategies that successful investors share.

In this episode of Ask an Advisor, fee-only fiduciary financial advisor Wes Moss breaks down the five fundamental keys of successful investors to help you better navigate the path to achieving financial freedom and reaching your retirement goals.

In the second half of the show, Wes takes a deep dive into one of the pillars: planning.

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

All this and more on the January 7, 2025, Ask an Advisor episode.

Submit your questions at clark.com/ask.

We hope you enjoy the first of our weekly Ask An Advisor episodes, with Christa and Wes going deeper on investing and retirement savings.

Let us know what you think in the comments!

Learn more about Wes, our newest member of Team Clark:

Capital Investment Advisors Wes Moss, CFP®

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Today, something we receive many calls about at our Team Clark Consumer Action Center - timeshares. Clark explains why timeshares & their latest incarnation - vacation clubs are defective by design. Also - teaching kids about money can be a real challenge, and allowance can play a big role in teaching kids that money is a finite commodity. 

• Beware “Vacation Clubs”: Segment 1
• Ask Clark: Segment 2
• Teaching Deferred Gratification: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Why Vacation Clubs Are Even Worse Than Timeshares
• NYTimes: Lured by Luxury Vacations, They Were Stuck With Debt
• How To Sell, Cancel or Get Rid of Your Timeshare
• 12 Common Amazon Scams To Avoid
• Amazon Scam Warning: Beware of Deliveries You Didn't Order
• 3 Places You Should Never Invest Your Money
• Why Clark Howard Wants You to Set Up a 'Financial Chromebook'
• How to Teach Young Kids About Money
• Cash Back Credit Card Tool - Clark.com
• Best 2% Cash Back Credit Cards: 11 Options for 2025
• 6 Things To Know and Do Before You Deal With a Home Insurance Claims Adjuster

Clark.com resources

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

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Happy New Year! Clark starts off 2025 with advice that can help you save money throughout the entire year. Clark Stinks will be back next week. Also today, what to know about making returns on some of those holiday items you may not want to keep.

• SPEND LESS On Streaming Services: Segment 1
• Ask Clark: Segment 2
• Holiday Returns: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Best Live TV Streaming Services: Compare Top Picks for 2025
• Best Free Streaming Services in 2025: Movies and TV for Cord Cutters 
• Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels
• 4 Things To Know Before You Buy a Digital TV Antenna
• PBS and Amazon to Launch Local PBS Stations and PBS KIDS FAST Channels
• Study: The 10 Best New Cars for the Money
• How to Shop for Lower Car Insurance
• Best Auto Insurance Companies and Some of the Worst
• The Platinum Card® from American Express Review
• Capital One Venture X Rewards Credit Card
• Travel Insurance Checklist: 5 Types of Coverage To Consider
• Travel Insurance: What You Need To Know Before You Buy
• 13 Secret Saving Hacks at Costco, Sam's Club and BJ's Wholesale
• Clark Deals - Today's Best Deals of the Day
• What Is a Fiduciary Financial Advisor and Do I Need One?
• How To Find and Choose a Financial Advisor
• How To Find a Trustworthy Mechanic

Clark.com resources

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

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Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd.

Only 1 in 4 people realize you can negotiate on items you think come at a fixed price. You can negotiate everything from the price of a new car to your cable bill to large appliances. Also, social media is full of pitches selling supplements and powders with claims they can improve your health and change your life. Not so fast. What you need to know about dietary supplements. 

• Price Negotiation: Segment 1
• Ask Clark: Segment 2
• Warning: Dietary Supplements: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• A Guide To Negotiating For Cars, TV Bills, Home Renos And More
• Is It Worth Buying High-End Appliances?
• Here's How Long Your Home Appliances Should Last
• The best time and place to buy appliances
• Submit a complaint | Consumer Financial Protection Bureau
• Dietary supplements and protein powders fall under a ‘wild west’ of unregulated products that necessitate caveats and caution — The Conversation
• How To Avoid Fraud With Herbal Supplements
• ConsumerLab.com /  NSF International /  U.S. Pharmacopeia
• Consumer Federation of America Life Insurance Rate of Return Service
• How To Find and Claim Missing Money in Your Name

Clark.com resources

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

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Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd.

How do we determine our “magic number” - the amount we need to retire? Clark weighs in on the debate about how much it takes to be financially secure, and how to start and keep making progress. Also today -private placements, hedge funds, limited partnerships, private equity - beware of this type of non-traditional investment “opportunity”. Even when they’re legit, there’s no liquidity, and extremely high expenses. It pays to know why you need to avoid investing with anyone who is not a fiduciary.

• How Much Do You Need To Retire: Segment 1
• Ask Clark: Segment 2
• Risky Investment Pitches: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• How Much Do You Need To Retire?
• How to Start Investing: 10 Steps (Clark.com)
• How To Save Money: Spend Less & Build Your Savings
• Warning: Here’s What Those Debt Settlement Companies Don’t Tell You
• Clark Howard's 2024 Credit Card Debt Elimination Strategy
• 6 Things To Know Before Contacting the National Foundation for Credit Counseling
• Best 529 College Savings Plans By State
• How To Open a Roth IRA
• The AJC: Atlanta hedge fund manager charged in $10M fraud scheme
• Best Financial Advisors in 2024
• Should You Make Your Child an Authorized User on Your Credit Card?
• Best Credit Cards for Students: Top Picks for 2024
• Travel Archives - Clark Howard
• 4 Ways To Get Your Free Credit Score

Clark.com resources

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

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Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd.

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, we’ve talked about the cost of college, and how it can hamper parents saving for their own retirement. But what about supporting adult children post-college age? Clark shares some concerning stats. What’s your take? We have a popular thread on our free Clark.com Community on this topic, linked here and we invite you to share thoughts on financially supporting adult children.

• Clark Stinks: Segments 1 & 2
• Paying For Adult Children: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Streaming TV - Clark.com
• Do I Really Need To Put Premium Gasoline in My Vehicle?
• How to Get Your Kids to Step Off the Gravy Train
• 60% of Parents Pay Bills For Adult Children. Do You?
• When it’s time to financially cut off your adult children
• Clark.com Community - What is the appropriate age to wean your child off your financial support? And how much money should you give an adult child if any?

Clark.com resources

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

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Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd.

Clark recommends renting in a new city or state before you buy there, and has a great example of why to share with you. Also, Clark is very happy to report that the used clothing market is growing 7 times faster in the U.S. than the new market. Buying used is a great way to Spend Less!

• Rent Before Buying In New Locale: Segment 1
• Ask Clark: Segment 2
• Secondhand Clothing A WIN: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• New York Post: Florida transplants fleeing in droves over relentless heat, damaging hurricanes
• The home insurance market is crumbling. These owners are paying the price
• The $10 Travel Essential Clark Howard Always Packs
• 5 Best Robo-Advisors in 2023
• Who Should Use a Robo-Advisor?
• Secondhand clothing stores are red hot as consumers look to save money
• Clark.com - CELL PHONES
• Best Investment Companies for Investors in 2024
• 10 Best Free Checking Accounts in April 2024
• Fidelity Investments Review 2023: Pros & Cons
• Team Clark Guarantee - Clark Howard

Clark.com resources

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

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Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd.

The membership subscription business model has overtaken retailers large and small. Clark compares offerings from Target, Walmart, Amazon and 2 warehouse clubs, with a directive for consumers. Also, as if timeshares aren’t bad enough, organized crime is now getting into the resale scam game.

• Retail Memberships: Segment 1
• Ask Clark: Segment 2
• Cartels Target Timeshares: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Barrons: Delivery Is Retail’s New Game. How the Players Stack Up.
• Target Is Rebranding Its Credit Card Program: What You Should Know
• Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best?
• How To Manage Your Monthly Subscriptions To Save Money
• Parent PLUS loans can be a debt trap. Here's a loophole
• Income-Contingent Repayment (ICR)
• Income-Driven Repayment Plans
• What Are the Tax Consequences of Debt Settlement?
• NYTimes: A Mexican Drug Cartel’s New Target? Seniors and Their Timeshares
• Clark.com - Timeshares
• How To Sell, Cancel or Get Rid of Your Timeshare
• 5 Steps To Getting a Good Deal on a Hotel Room
• How To Plan a Trip: Clark's Best Travel Tips To Save Money

Clark.com resources

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

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Today, our last show of the year, Clark looks ahead to where home prices are likely to go in 2025. Also in this episode, Clark shares data on the average 401(k) balance. There’s room for improvement to get better prepared for retirement moving forward.

• 2025 Home Prices: Segment 1
• Ask Clark: Segment 2
• 401(k) Balances: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Why You Should Never Store Your Payment Information Online
• Virtual Credit Cards: An Online Security Measure Worth Taking?
• Top 7 Ways To Shop Safely Online
• This Device Can Help You Avoid an Annoying Car Rental Fee
• Is a HELOC a Good Idea? The Simple Answer
• HELOC vs. Home Equity Loan: Similarities and Differences
• USA TODAY: The average 401(k) balance for ages 55 to 64 may surprise you
• Invest & Retire - Clark.com
• Should You Make Your Child an Authorized User on Your Credit Card?
• What Is Umbrella Insurance and Do You Need It?

Clark.com resources

• Episode transcripts
• Community.Clark.com
• 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 is truly concerned about the chaotic state of the United States Postal Service right now. In many regions of the country, people are dealing with serious consequences of delayed or undelivered mail. Know what you can do to protect yourself

• Clark Stinks: Segments 1 & 2
• Unreliable Mail Delivery - Action Required: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons)
• Government Executive: GOP senator to DeJoy: I will 'kill' your plan to reform USPS
• What Should I Do With My 401(k) at My Old Company?
• 401(k) Rollover: How To Roll Over a 401(k)
• What to Do if You're Facing Car Repossession

Clark.com resources

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

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One way you may be able to save money is through home Internet service. Do you really need the highest speeds? So many of us overbuy for what we actually need. Also, train travel in the U.S. has lagged behind other developed countries, but that is starting to change.

• More Internet Speed Than You Need: Segment 1
• Ask Clark: Segment 2
• American Rail: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark’s Tips To Save Money on Home Internet in 2025
• T-Mobile Rolls Out New Pricing for Home Internet Plans
• Verizon Home Internet: Things To Know Before You Sign Up
• 1099 Income: Why Prepaying Your Taxes Is More Important Than Ever if You Have a Side Hustle
• Net Worth Calculator - Clark.com
• More people are riding Amtrak than ever before, and improvements are on the way
• Where To Put Your Cash When You’re Saving for a Purchase in Less Than 5 Years
• 17 of the Best High-Yield Online Savings Accounts in December 2024
• Best Online Banks: Free Checking and High-Interest Savings Accounts
• High-Yield Savings Account (HYSA) Calculator
• What's the Best Savings Account for a Teenager?
• Warning: Why You Should Never Buy Visa Gift Cards
• Clark's Christmas Kids 2024

Clark.com resources

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

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

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The murder of United Healthcare CEO Brian Thompson has created a lot of argument and discussion about healthcare and health insurance. Clark addresses the problems and challenges we face with the U.S. healthcare system including lack of choice, hidden pricing, and consumers being squeezed on cost and denied care. Also - Clark discusses new statistics on how long it is taking many workers to find a new job, and how you should prepare.

• American Healthcare: Segment 1
• Ask Clark: Segment 2
• Employment Update: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• After a shocking shooting, Americans vent feelings about health insurance
• National Academy of Elder Law Attorneys Home NAELA
• Why It’s More Important Than Ever To Have an Emergency Fund
• How Much Money Do I Need in My Emergency Fund?
• How Much Do You Need To Save a Month To Get $10,000?
• 17 of the Best High-Yield Online Savings Accounts in December 2024
• Is Robinhood Gold Worth It?
• How To Open a Roth IRA
• What Is a SIMPLE IRA and How Does It Work?
• What Is a SEP IRA and Who Is Eligible?

Clark.com resources

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

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Auto theft, particularly at airports - has spiked around the country. Holidays travelers are especially at risk, but there is something you can do to keep track of your vehicle. Also today, Albertsons is suing Kroger now that the merger deal has collapsed. Clark discusses how this antitrust ruling matters - or doesn’t - to us as consumers. 

• Grand Theft Auto: Segment 1
• Ask Clark: Segment 2
• Supermarket Antitrust Ruling And You: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark's Christmas Kids 2024
• How To Find and Claim Missing Money in Your Name
• How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
• Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card
• Best Travel Credit Cards: Top Rewards Picks for 2025
• Do I Need To Unfreeze My Credit To Shop for Car Insurance?
• What's the Best Savings Account for a Teenager?
• What Brokerage Do You Recommend for First-Time Investors or Kids?
• When Should You File a Claim on Your Homeowners Insurance?
• 10 Things Homeowners Insurance Doesn't Always Cover

Clark.com resources

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

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You CAN DIY - by learning to fix things, even on your own car! Believe it or not, even Clark has been able to do this! Also today, a housing market update including new vs used homes, where people are buying now and why.  

• Online DIY Repairs: Segment 1
• Ask Clark: Segment 2
• Moving To Satellite Communities: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• WSJ: Would You Fix Your Own Car? These Amateurs Are Trying It.
• Clark,com - Buying Tires
• Best Renters Insurance Companies and Ones To Avoid
• 6 Best Background Check Services
• Is a HELOC a Good Idea? The Simple Answer
• What Are Index Funds? / What Is an ETF?
• Target Date Funds: Clark's Favorite Retirement Investment

Clark.com resources

• Episode transcripts
• Community.Clark.com
• 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, we spend so much on healthcare in the U.S. with less to show for it. Clark has money saving medical advice, and a recent experience to share.

• Clark Stinks: Segments 1 & 2
• SPEND LESS On Healthcare: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark's Christmas Kids 2024
• Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
• The Platinum Card® from American Express Review 2024: Is It Worth It?
• Should I Freeze My Credit With the Other Credit Bureaus?
• Which Credit Reports Do AT&T, T-Mobile, Sprint, and Verizon Pull?
• 5 of Clark Howard's Most Extreme Frugal Hacks
• New lessons from the fight for charity care  /  Dollar For
• Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons)
• What Should I Read To Learn More About Investing?

Clark.com resources

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

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Uber’s current trouble with the FTC is a consumer lesson for us all, and a great reminder to take action now to protect your wallet. Also today, Warren Buffet recently gave some important advice about estate planning. Clark shares 3 important steps to take. Your heirs will thank you. 

• Subscription Maintenance: Segment 1
• Ask Clark: Segment 2
• Estate Planning: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• The FTC is investigating Uber over its subscription service
• HumbleDollar: Home
• How Long Do You Need To Keep Tax Documents?
• 17 of the Best High-Yield Online Savings Accounts in December 2024
• Dollar Cost Averaging Makes You a Fortune Over Time
• How To Open a Roth IRA
• Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?
• SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About
• Is a Safe Deposit Box Really Safe?
• Why You Need To Talk to Your Family About Your Estate Before You Die
• Wills & Funerals Archives - Clark Howard
• Follow Clark Howard's #1 Rule To Travel Cheap
• The Best International Phone Plans
• Clark's Christmas Kids 2024

Clark.com resources

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

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Today, Clark discusses tariffs and the potential for rising car prices. So should you pull the trigger and buy now?  Also, you may be tempted to get a store credit card while holiday shopping. Know why Clark is adamantly opposed to this form of “junk credit”. 

• Tariffs And Car Prices: Segment 1
• Ask Clark: Segment 2
• Store Credit Cards: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark's Christmas Kids 2024
• Should You Ever Lease a Car?
• Best Secured Credit Cards for 2024: Top Picks for Building or Repairing Credit
• My 7 Rules for Using Credit Cards - Clark Howard
• Best 2% Cash Back Credit Cards: 11 Options for 2025
• 5 Sneaky Ways To Improve Your Credit Score
• How Dividing Your Monthly Credit Card Payment Speeds Up Your Payoff Date
• Warning: Why You Should Never Buy Visa Gift Cards
• Is Turo Legit? 5 Things To Know Before You Use It
• 5 Things to Know About the Costco Car Rental Program

Clark.com resources

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

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Today, Mortgage Recasting 101. Clark explains how this type of payment works, when it might be appropriate, and mortgage recasting vs principal prepayment.  Also, many fast food restaurants are innovating through apps, AI - and a whole new era of vending machines.  

• Mortgage Recasting: Segment 1
• Ask Clark: Segment 2
• Fast Food Innovations: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Mortgage recasting: What it is and how it works
• Submit a complaint | Consumer Financial Protection Bureau
• Is a HELOC a Good Idea? The Simple Answer
• HELOC vs. Home Equity Loan: Similarities and Differences
• Home Equity Loan Calculator - Clark Howard
• Should I Purchase a Prepaid Funeral Plan?
• Clark Howard's Important Advice on Funeral Planning
• Low-Cost Cremation Services: 5 Things to Know

Clark.com resources

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

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Today - with the rapid rise in home values, property taxes have gone up all over the country. North Dakota tried and failed to eliminate property taxes on election day, and other states are trying to figure out a way to give homeowners some relief. Also today - there’s a trend in the country that has both positive and negative consequences - “unretiring”. Clark discusses a different way to think about retirement that can help ease the transition for many.  

• Property Taxes: Segment 1
• Ask Clark: Segment 2
• Tiered Retirement: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark's Christmas Kids 2024
• What Is an Amortization Schedule? Use This Chart To Pay Off Your Mortgage Faster
• Amortization Calculator and Schedule - Clark Howard
• What Is Term Life Insurance?
• Best Term Life Insurance Companies, Plans & Coverage
• How To Buy Term Life Insurance in 7 Easy Steps
• Thinking About Unretiring? You’re Not Alone
• Is It a Good or Bad Idea To Buy a Rental Car?

Clark.com resources

• Episode transcripts
• Community.Clark.com
• 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 - some older workers have a new opportunity to sock more money away in their 401(k)s next year. Use our calculator at Clark.com to estimate how much your retirement accounts will grow over time. 

• Clark Stinks: Segments 1 & 2
• 401(k) Super Catch-Up Provision: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Why I Think Medicare Advantage Plans Stink - Clark Howard
• The American College of Trust and Estate Counsel: ACTEC
• What To Do if Your Flight Is Delayed or Canceled
• Older Workers Can Now Supersize Their 401(k) Savings - WSJ
• 401(k) Calculator (Clark.com)
• Roth vs. Traditional 401(k): What's the Difference?
• What Is a Solo 401(k) and How Does It Work?
• 5 Sneaky Ways To Improve Your Credit Score
• Journal of the American Medical Association
• The New England Journal of Medicine | Research & Review
• The Lancet | The best science for better lives
• Mayo Clinic: Top-ranked Hospital in the Nation / Cleveland Clinic
• Clark's Christmas Kids 2024

Clark.com resources

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

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

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Since the earnings rate on I Bonds changes every six months - Clark has updated advice for savers. Also - Clark’s “three favorite children” in the financial world, Vanguard, Schwab and Fidelity, aren’t perfect, and he calls them out where needed. At the moment, there’s an issue with Fidelity that investors need to know about. 

• Series I Savings Bonds: Segment 1
• Ask Clark: Segment 2
• Fidelity Investments: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark's Christmas Kids 2024
• 6 Things To Know About Series I Savings Bonds
• Why Clark Says It’s Time To Dump I Bonds
• 17 of the Best High-Yield Online Savings Accounts in November 2024
• Best Prepaid Cards: Top Debit Card Alternatives
• Fidelity And Ex-Advisor Agree to End Lawsuit Over High-Fee Investments
• How To Open a Roth IRA
• Fidelity Investments Review: Pros & Cons
• The Best Places To Buy Hearing Aids (Clark.com)

Clark.com resources

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

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If you’re in the market for a giant screen TV  this holiday season - Clark’s got news to help you Save More.   Also - there is one thing that a business can do to make employees happier, and in turn give customers a better experience, and in turn - be more profitable. 

• Big Screen TVs: Segment 1
• Ask Clark: Segment 2
• Employer Enlightened Self-Interest: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark Deals - TVs
• Are Online ESA Letters Legitimate?
• Even large corporations should consider employee ownership. Here’s why
• Should I Refinance My Car Loan? 4 Questions To Ask Yourself
• Clark Howard's Simple Rule for Refinancing an Auto Loan
• How To Refinance a Car Loan: A Step-by-Step Guide
• Auto Loan Refinance Calculator - Clark Howard
• How To Open a Roth IRA

Clark.com resources

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

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Over the past 15 years homeowners insurance has become increasingly unstable, expensive and anti-consumer. But with the run-up in home values, many may be seriously underinsured. Clark has direction for home owners to ensure proper coverage. Also today, the giving season requires a warning about charity scams - a real problem. Know how to make sure your charity dollars are used effectively.

• Update: Homeowners Insurance: Segment 1
• Ask Clark: Segment 2
• Safe Charitable Giving: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• What Is Homeowners Insurance?
• How Much Homeowners Insurance Do I Need?
• Homeowners Insurance Archives - Clark Howard
• What Is a C.L.U.E Report and Its Impact on Your Insurance
• How Often Should You Re-Shop Insurance?
• Clark's Take: Should You Invest in Stocks at All?
• INVEST & RETIRE - Clark
• How To Choose the Best Charities for Your Donations (Clark.com)
• Best 2% Cash Back Credit Cards: 9 Options in 2024
• Cash Back Credit Card Calculator Tool
• Should You Buy an Extended Warranty on Your Car?

Clark.com resources

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

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