The Clark Howard Podcast

The days of automatically upgrading your phone or computer every time it slows down are officially over. Clark breaks down why inflation and rising component costs mean tech prices are going "up, up, and away." Tech giants like Apple are raising device prices to protect their profit margins. While Clark has advised against sinking money into old electronics, the math has changed. Clark shares his rule of thumb for deciding when to repair versus replace, why TVs remain the one truly disposable tech item, and how to avoid the "free phone trap" being pushed by the big three wireless carriers. Also, Clark dives into the massive shakeup happening in the insurance industry. State Farm is facing major backlash from its own agents after dropping a hammer on their compensation models—a desperate move to compete in a market where they are losing ground. Hear which company has taken the lead by embracing a hybrid model, and what to expect buying online vs. with an agent.Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 22, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Electronics: Repair Or Replace?: Segment 1 Ask Clark: Segment 2 Buying Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The ‘right to repair’ movement has a point, but consumers should read the warranty fine print first — The Conversation Why You Should Avoid These Free Offers From Verizon, AT T and T-Mobile 5 Vacation Scams To Avoid This Travel Season - Clark Howard How to Shop for Lower Car Insurance - Clark Howard Best and Worst Homeowners Insurance Companies - Clark Howard Homeowners Insurance Archives - Clark Howard State Farm’s AI Plan for Sales Agents Sparks Uproar. ‘A Real Slap in the Face.’ Is Accident Forgiveness Worth It? - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

What Is the Retire Sooner Method? & Can You Retire Without Touching the Principal? How do you retire sooner, increase your happiness, and ensure you never run out of money? In this episode, Wes Moss breaks down the Retire Sooner Method—your ultimate retirement happiness GPS. Just like navigating an unfamiliar city, navigating retirement without a map guarantees you’ll get lost. Wes shares the 5 essential steps to build a guided blueprint, maximize your financial freedom, and dramatically reduce money anxiety. Later in the episode, Wes tackles a major fear shared by almost every new retiree: touching the principal. Through a real-life client story, he explains how to bridge your income gap using dividend yields and the famous "4% Rule" so you can protect your hard-earned nest egg and retire with peace of mind. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 21, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - remote work became essential during COVID, but could it be hurting your career now? While the benefits of working remotely are undeniable, new data shows that "out of sight, out of mind" is a dangerous reality in corporate America. Clark shares several things to consider if you want to protect your paycheck and position yourself for promotions. Also, a massive storm is brewing in the healthcare industry, and it is going to hit your wallet hard. The soaring cost of healthcare—driven heavily by hospital system monopolies in major metro areas—is pushing individual deductibles toward an estimated $15,000 and family deductibles past $30,000 by 2027. Clark explains everything you need to know - including another disadvantage in Advantage Plans.  Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 20, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. WFH Benefits & Risks: Segment 1 Ask Clark: Segment 2 Health Insurance Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Working remotely could make you more vulnerable to a layoff than AI Scam Alert: How To Avoid Home Title Theft - Clark Howard Home Title Lock: Is It the Same As Home Title Insurance? Property Fraud Alert Are Missing Money Websites Legit? - Clark Howard </

Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also,  the new car market is in a weird phase, with automakers behaving like pack animals. Instead of fighting for market share or offering affordable options, manufacturers have decided they are perfectly happy selling fewer vehicles if it means keeping prices sky-high and maximizing margins. If you're wondering whether to buy or hold, Clark shares his rule of thumb. All this and more on the July 17, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Auto Industry Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Travel Credit Cards: How To Find the Perfect Fit for Your Spending Clark Deals - Today's Best Deals of the Day Are You ‘Spaving’? Why Trying to Save Could Be Costing You More  One Million New-Car Buyers Are Gone and They’re Not Coming Back Soon A Single Change to Your Car-Buying Habits Could Add $250,000 to Retirement 10 Cars That People Keep for 15 Years or More - Clark Howard Axios: Radical new electric trucks Unum - Contact Us Tax-Loss Harvesting: Definition and Example  Clark.com resources: Episode transcripts Community.Clark.com  /  <a href="https://clark.c

The big banks are absolutely thrilled when you fall for the "cockroach" of personal finance myths: the completely false idea that you need to carry a balance and pay interest on your credit cards to build an excellent credit score. Not so. Clark explains. Also today, we face an unprecedented wave of sophisticated fraud, with online crime complaints officially surpassing one million for the first time. Driven by advanced AI, scammers are now launching highly realistic "spear-phishing" attacks using actual data breaches from hotels and cruise lines. If you get an urgent message claiming your upcoming hotel reservation can't be validated or that you owe more money on a cruise, do not take the bait. Stay vigilant, question unexpected requests for money, and always independently verify any urgent alerts regarding your travel plans or financial accounts. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 15, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Credit Card Myth: Segment 1 Ask Clark: Segment 2 Scams Gone Wild: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The #1 Mistake That Can Hurt Your Credit Score - Clark Howard <a href="https://www.wired.com/story/hundreds-of-hotels-caught-up-in-vacation-booking-scams/?utm_source=nl&utm_brand=wired&utm_mailing=WIR_Weekly_052926&utm_campaign=aud-dev&utm_medium=email&utm_c

The 200-Hour Friendship Rule & Are Financial Advisors Worth It? Making friends as an adult is harder than ever – but just how much time does it actually take to build a close friendship? In this episode, Wes Moss discusses the growing friendship gap in America and the surprising research behind forming meaningful connections. A study from the University of Kansas found that becoming a close friend takes far more intentional time than most people realize. Wes explains why friendships become more difficult to maintain as we age and what you can do to build and preserve strong relationships throughout life. Plus, are financial advisors really worth the cost? With about half of pre-retirees working with an advisor and half managing on their own, Wes breaks down who can benefit from professional financial guidance—and who may not need it. From investing and tax planning to estate and family considerations, learn when financial advice can add real value. Mentioned on the show:  Early Mortgage Payoff Calculator - Clark Howard  Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 14, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Use payment apps? How much? Clark has a major warning about a serious financial risk hiding in plain sight: storing your hard-earned cash inside payment apps like PayPal, Venmo, or Cash App. While these platforms are convenient for sending money, a shocking number of people use them like regular bank accounts to store large sums of money. Therein lies a dangerous reality that could cost you plenty.   Also, millennials are rethinking life milestones, especially when it comes to weddings. A recent story of a beautiful $5,000 wedding proves that you don’t need to bury yourself in debt to celebrate love. If you want to spend a fortune and you have the cash, go for it—but if you want to start your marriage on a stronger financial footing, younger generations are proving you can have an unforgettable, gorgeous wedding at a crazy inexpensive price. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 13, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. A New Payment App Warning: Segment 1 Ask Clark: Segment 2 Affordable Weddings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Storing Cash in PayPal, Venmo or Cash App Carries Hidden Risks, CFPB Says Safer Ways To Send Money - Clark Howard Who Should Consider Setting Up a Trust? - Clark Howard Car Rental Insurance: Everything You Need To Know - Clark Howard Car-Rental Insurance and the Collision Damage Waiver (CDW) <a href="https://clark.com/family-lifesty

Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also,  economic anxiety is climbing straight up the income ladder, and Americans everywhere are growing deeply worried. On top of that, a troubling new report confirms that Social Security is on track to face insolvency by 2032—a year earlier than we originally thought. If Congress continues to ignore it, roughly 70 million Americans who rely on these checks could see cuts to their benefits in less than six years. To fix this issue, Clark says it’s time to make hard choices as a nation. But despite the widespread pessimism about the future, Clark delivers a straight talk: We still live in the most dynamic economy in the world with incredible opportunities for entrepreneurship, but it is time to stop playing political games and protect the hard-earned money of the American people. All this and more on the July 10, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Fix Social Security!: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Where To Buy the Best Cheap Printer - Clark Howard What Can I Safely Use for Peer-to-Peer Payments? - Clark Howard Costco Pricing Secrets: What Does a Price Ending in .00 Really Mean? About Diners Club International NYTimes: Social Security at Risk for Cuts by 2032, Unless Congress Acts Higher prices for gas,

The mattress industry is in chaos, and major brands like Sleep Number are facing bankruptcy. Clark breaks down how the mattress market became incredibly oversaturated and why traditional mattress stores have seen their business models become obsolete. While online shopping and warehouse clubs have revolutionized how we buy beds, the wave of recent bankruptcies poses a risk to consumers. Clark reveals his ultimate rule for buying a new mattress safely. Also, Clark addresses the looming crisis in higher education as federal student loan interest rates spike to 6.5%. With college costs and inflation stretching family budgets to the limit, Clark explains why you should never sacrifice your own retirement savings or saddle your children with a lifetime of crushing debt just to attend a "dream" school. Clark delivers a heavy dose of tough love and practical strategies for parents. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 8, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Buying A Mattress: Segment 1 Ask Clark: Segment 2 Student Loans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Place To Buy a Mattress - Clark Howard Best Online Banks: Free Checking and High-Interest Savings Accounts Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? How Long Do You Need To Keep Tax Documents? - Clark Howard Education Dept Updates Key Student Loan Guidance In Advance Of July Changes - Forbes NYTimes: Education Dept. Lowers Student Loan Rates for Borrowers in Auto Pay <a href="https://apnews.com/article/student-loan-interest-rate-education-department-05d2b35d1be3393788b89e9589b601f4?utm_source=Email&utm_m

In this episode, Wes tackles the psychological hurdle that many high-achievers face when they finally reach the "Retirement Green Zone." After decades of using hard work, discipline, and ambition to build a nest egg, it can be incredibly difficult to simply turn that drive off. Wes discusses the "ambition guilt" that many retirees feel when they pursue creative hobbies or passions that don’t generate a paycheck. Rather than viewing this transition as "lowering" your ambition, Wes argues that the key to a happy retirement is rechanneling that legendary work ethic into areas that feed your soul instead of your bank account. Also, we’re in a confusing state of the 2026 economy, where record-breaking corporate data seems at odds with the reality on the ground. While U.S. company profits soared by 26% in late 2025 and nominal GDP has grown significantly since 2019, many consumers are still feeling the weight of high prices. Wes explains how we are living in a "K-shaped" economy and breaks down what these disparities mean for your wallet and how to navigate an environment where productivity is higher than ever, but the benefits aren't being shared equally. Mentioned on the show: How I Became Less Ambitious—and Happier—in Retirement Pension vs Lump Sum Calculator - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on this July 7th Best Of Wes - Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, something new under the sun - at least in the U.S.: A now FDA approved sunscreen option long in use overseas, arrives next year.  Meanwhile, are you overpaying for sunscreen just because of a fancy brand name? Consumer Reports released its annual sunscreen rankings, and the results again prove you don't have to spend a fortune to protect your skin. Also, Clark dives into the reality of modern side hustles. A TikTok influencer recently went viral after testing different side hustles every day for 100 days to make $100 a day, learning that only three were actually worth sticking with. The truth is, if a side hustle is incredibly easy to start, there are no effective barriers to entry. When anyone can do a job, the organizer doesn’t have to pay you well. If you want to make a meaningful, steady income, you need a side hustle that leverages education, training, or special skills that set you apart from the crowd. However, if you just need quick, one-time cash, look no further than your own home—just like Christa, who came out of her closet with cash assets!  Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 6, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Best Sunscreens: Segment 1 Ask Clark: Segment 2 Smart Side Hustles: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 21 Best Sunscreens of 2026, Lab-Tested and Reviewed Consumer Reports: Sunscreen Ratings & Reviews  Monarch Money Review: Is This Budgeting Tool Worth the Price? Why You Should Keep Old Credit Card Accounts Open - Clark Howard How and When To Cancel a Credit Card - Clark Howard 30 Easy Side Hustle Ideas The Only Reason You Should Make an Improvement to Your Home <a href="https://clark.com/personal-finance-credit/best-way-to-send-mon

Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 6th with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - as college costs level off due to a competitive marketplace, more institutions are finding creative ways to attract students – including offering tuition-free degrees. Clark shares resources to help you find these opportunities! Clark Stinks: Segments 1 & 2 Free Tuition: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them)⁠ ⁠Rent vs Buy Calculator - Clark Howard⁠ ⁠Fidelity Rewards Visa vs. Schwab Investor Card® from American Express: Which Is Best?⁠ ⁠Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab⁠ ⁠How to get out of a cable or internet contract without paying a penalty⁠ ⁠Subscription Services: Why Canceling Is So Hard (and a Solution)⁠ ⁠Where Should I Set Up My Health Savings Account (HSA)?⁠ ⁠ETFs vs Mutual Funds: What’s the Difference and When Does It Matter?⁠ ⁠Optimizing HSA Transfers for Long-Term Growth⁠ ⁠[W Post] More colleges are offering free tuition. Explore our database.⁠ ⁠Colleges Offering Free Tuition by Income (2026)⁠ <a href="https://thecollegeinvestor.com/39431/tuition-free-

Considering entrepreneurship via buying a franchise? Clark shares his most important rule before investing your hard-earned money: go work for that franchise first. Instead of relying on the sales pitch, spend several months on the job learning how the business really operates, what challenges owners face and whether the opportunity lives up to the promises. Taking this important step could save you from making a costly mistake and help you become a smarter entrepreneur. Also, Clark discusses the expansion of TrumpRx, a government prescription price comparison resource that now includes hundreds of additional generic medications. With prescription costs keeping many Americans from filling the medications they need, Clark reviews several ways to save money on prescriptions, including Costco, Sam’s Club, Amazon Pharmacy, Walmart, Mark Cuban’s Cost Plus Drugs and charitable programs that may provide free medications. He also explains what to do if you need an expensive brand-name medication and can’t afford it, including exploring manufacturer patient assistance programs that could help lower your costs. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 1, 2026, episode of The Clark Howard Show.  Submit your questions: Ask Clark. Please note: No new episode on Friday. We wish you a safe and Happy Independence Day! Franchise Entrepreneurs: Segment 1 Ask Clark: Segment 2 New Savings On Meds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard’s Advice Before You Buy a Franchise What Is a 403(b) and How Does It Work? - Clark Howard 6 Things To Know Before Contacting the National Foundation for Credit Counseling 10 Ways To Save on Prescription Drugs - Clark Howard  How Can Discount Drug Apps Offer Such Big Savings on Prescription Medicati

Is the bucket investing strategy the best way to plan for retirement? In this episode, Wes Moss breaks down the powerful visual behind bucket investing and explains why organizing your money into cash, income, growth, and alternative income buckets can simplify retirement planning. He also shares the biggest drawbacks investors should understand before adopting the strategy. Also, Wes tackles a growing trend: professionals looking for more flexibility, purpose, and balance through a second career. He outlines the key questions to ask before making a career switch and explains why financial advising is emerging as one of the most in-demand professions in America. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 30, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark’s first business was a travel agency and he specialized in saving his clients money. Travel costs are challenging now, with airlines facing higher fuel expenses and travelers paying the price. Clark shares his back-to-basics strategy for finding affordable trips, including why flexibility is your greatest money-saving tool. Learn why Clark lets the deal determine the destination, how shoulder-season airfare pricing can create opportunities for savings, and why being a "free agent" when booking flights can help you see more of the world for less. Also, Clark explains the growing problem of "dark patterns" online—those annoying popups, misleading buttons, and sneaky subscription tactics designed to manipulate your decisions. While many of these practices aren't illegal, they are deceptive and can lead to unwanted purchases and recurring charges if you're caught unaware. Know what to watch for and how to avoid getting tricked into spending money you never intended to spend. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 29, 2026, episode of The Clark Howard Show.  Submit your questions: Ask Clark. Clark Smart Travel: Segment 1 Ask Clark: Segment 2 Dark Patterns On The Lit Web: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Beat Summer Sticker Shock and Travel the ‘Clark Howard Way’ Follow Clark Howard’s #1 Rule To Travel Cheap Best Travel Credit Cards: How To Find the Perfect Fit for Your Spending How Does Booking Travel Through a Credit Card Rewards Program Compare? 3 Reasons You Should Never Book a Nonrefundable Hotel Room  Dark patterns on the web are designed to manipulate you – why aren’t they all illegal? Best Free Password Managers: 10 Top Picks - Clark Howard  How To Create and Use Passkeys - Clark Howard Safe Browser Alternatives That Pr

Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, when your health insurer denies coverage for a treatment, procedure, or medication, don't assume that's the final answer. Clark explains a little-known consumer right that could help you overturn a denial: an external appeal reviewed by an independent third party. While some patients do appeal insurance decisions, very few take the next step when they're denied again. Clark shares why persistence matters, how the appeals process works, and why insurers often reverse decisions when consumers push back. For serious illnesses, these denials aren't just about money—they can be a matter of life and death. Learn how to fight back, when to appeal again, and how an independent review could force your insurer to pay for care it initially refused to cover. All this and more on the June 26, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Insurance Appeals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Home Expenses You Have To Budget For (Beyond Your Mortgage) Privacy and security built into your payments 5 Money Tips To Know Before You Travel Abroad 5 Best Places To Buy Pet Medicines - Clark Howard How To Get a Gym Membership for Practically Free - Clark Howard What Is a CD Ladder and When Is It a Good Idea? - Clark Howard Should I Avoid Callable CDs? / CD Ladder Calculator - Clark Howard What Should You Do if Your Insurance Claim Is Denied? This Little-Known Appeal Could Force Your Insurer to Pay. Here’s How to File It. <a href="https://clark.com/insur

Fifty years ago, Clark founded an alternative school called Career Action for adults who were struggling to find their path after high school. The program was intense, with long days, strict standards, and a focus on preparing students for the workplace. It was successful for decades—but here's what's remarkable: virtually every job skill that was taught eventually became obsolete. The lesson is more important than ever today: you can't stay static. Also, Clark explains why extended warranties are usually a bad deal for consumers. Whether it's electronics, smartphones, appliances, or cars, the math overwhelmingly favors the companies selling the coverage. Clark shares what you need to know about smartphone insurance, home warranties, and extended auto warranties—and the one exception if you're determined to buy coverage for your vehicle. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 24, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Adaptation Education: Segment 1 Ask Clark: Segment 2 Warranty Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Starting a School Taught Clark Howard About Success Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty on Your Car? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone What Does a Home Warranty Cover and Is It Worth The Money? That Extended

With technology stocks making up nearly half of the S&P 500, many index investors are asking an important question: Is this concentration a risk—or simply the natural evolution of the market? In this episode, Wes Moss and Clark Howard tackle the growing dominance of tech companies in major indexes, discuss whether traditional index investors should consider diversifying beyond tech, and explore how age and retirement timelines may influence those decisions. They tackle concerns about what happens when so much market value is concentrated in just a few companies—and whether investors nearing retirement should think differently. Mentioned on the show: Don’t Let FOMO Cost You a Fortune: The Investing Mistake Many Are Making With SpaceX’s IPO Plus, Wes and Clark answer several listener questions on investing, retirement, and personal finance.  All this and more on the June 23, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've felt squeezed every time you shop for groceries, there may finally be some good news. Kroger is cutting prices on thousands of items as competition heats up with Walmart, Costco, Aldi and Lidl. Clark explains why grocery stores are fighting harder than ever for your business, why private label products are becoming the best value in the store, and how inflation continues to affect everyday staples like tomatoes. Then, Clark looks at a new way to cut one of your biggest monthly bills. AT&T has launched a new "Build-a-Plan" option starting at just $15 per month. Clark explains who this plan works for, how much data most people actually need, and why so many consumers are paying for unlimited plans they rarely use. If you've been hesitant to leave one of the major wireless carriers but want to spend less every month, this new offering could be exactly the kind of competition that helps put money back in your pocket. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 22, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Save More On Groceries: Segment 1 Ask Clark: Segment 2 Save More On Your Phone Plan: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Grocery Prices Are Forcing a Major Change How to Save Money on Groceries: 22 Clever Ways Citi Stops Issuing Oft-Recommended Cash Back Credit Card Best Credit Cards for Groceries in 2026 Cash Back Credit Card Calculator Understanding Home Equity Agreements AT&T’s New “Build-A-Plan” Starts at $15/Month With Data The Best Phone Plan For You – Compare Phone Plans Best Cell Phone Plans & Deals (2026):

Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also - I have a homework assignment for you.  From streaming services and device protection plans to fitness apps and smart gadgets, recurring monthly charges can quietly pile up and put pressure on your budget. While one small price increase may not seem like a big deal, multiple hikes across several services can add up fast. Clark shares a simple strategy to help you stay on top of subscription costs without turning it into a part-time job. He also shares a personal story about canceling Netflix and the family backlash that followed, and how a lower-cost plan became the compromise. If subscription fatigue is setting in and you're looking for an easy way to cut expenses, this seasonal money-saving habit could help you keep more of your hard-earned cash. All this and more on the June 19, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Clark Stinks: Segments 1 & 2 Subscription Check-up: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Does Clark Think About Living on a Cruise Ship for Retirement? Is Living on a Cruise Ship Still a Retirement Bargain? - Clark Howard Clark's Road Trip Hack: Renting a Car vs. Driving Your Own The Best Car-Buying Services - Clark Howard  Subscription Fatigue? Do This 4 Times a Year to Save Money 7 Types of Subscriptions You May Want To Cancel Today How To Manage Your Monthly Subscriptions To Save Money  <a href="https://

Think you need a high end business or a lottery-ticket stock win to hit a $1 million net worth? Think again. Clark breaks down key insights of first-time millionaires. While old-school wealth looked like owning a successful service business, modern data from Kiplinger and Fidelity proves that regular people working everyday jobs—like teachers and government employees—are achieving financial independence.  Plus, Clark examines a growing real estate trend: the rise of the "accidental landlord." According to Zillow, more home sellers than ever are turning into landlords because their houses aren't selling and they can't afford to cut the price. Drawing from his own 43 years of wild landlord adventures—including non-paying tenants and unexpected damages—Clark explains why you should never take this decision lightly. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 17, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Everyday Millionaires Segment 1 Ask Clark: Segment 2 Involuntary Landlords: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Key Insights We Learned From 50 First-Time Millionaires How Long Would $1 Million Last YOU in Retirement? Why You Should Keep Old Credit Card Accounts Open - Clark Howard Follow Clark Howard's #1 Rule To Travel Cheap  Their Home Wouldn’t Sell, So They Became America’s Latest Accidental Landlords -WSJ The Hidden

Most people think building wealth and keeping wealth require the same strategy. They don't. Wes Moss explains why getting wealthy and staying wealthy are two completely different skill sets—and why understanding the difference could have a major impact on your financial future. Wes also explores what may be the most important financial dividend of all: freedom. Financial planning isn't just about accumulating a bigger number. It's about creating autonomy, reducing the fear of running out of money, and building a life where you have more control over your time and choices. You'll learn why multiple income streams can provide both financial security and emotional comfort—and how finding your "money green zone" can help support lasting financial independence. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 16, 2026, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

A shift is happening in the skies right now, as airlines quietly slash schedules and strip away basic comforts taken for granted for decades. If you don't double check your bookings, you could be walking blindly into a canceled itinerary—or a "bare-bones" cabin with zero food or water. Meanwhile, a strange new industry experiment means the ticket you bought for a connecting flight may turn out to be for an unforeseen road trip instead. Clark explains. Shifting to the housing market, if you’re looking to purchase your first home, Clark has a strict warning: Wait. It is a historically bad time to buy your first house in most of America, and doing so right now is essentially stepping into a financial trap. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 15, 2026, episode of The Clark Howard Show.  Submit your questions: Ask Clark. Air Travel: Segment 1 Ask Clark: Segment 2 1st Time Home Buyers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Zero Service: Delta Air Lines To Remove Main Cabin Drinks & Snacks On 450 Flights Delta's Popular Short-Haul Perk is Going Away — Here's Why [The Washington Post] Airlines surprise passengers with ‘flights’ that are buses It's a historically bad time to buy your first home  20 major h

Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also, we all love the thrill of scoring a great deal, but a dangerous retail trap called "spaving"—spending money to "save" money—might be quietly sabotaging your budget. Retailers like Amazon have mastered the art of the impulse buy, using tricks like "buy two, get an extra discount" or free shipping minimums to trigger a dopamine rush that makes us chase the deal instead of the actual value. Even Clark is guilty of it! Know how to recognize when you're being manipulated at checkout, and the simple rules you can use to protect your hard-earned cash from the spaving trap.  All this and more on the June 12, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Defeat This Spending Trap: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Get a Free Credit Report - Clark Howard  How To Monitor Your Credit - Clark Howard  National Academy of Elder Law Attorneys Home NAELA Best Free Streaming Services in 2026: Movies and TV for Cord Cutters Streaming TV - Clark.com Are You ‘Spaving’? Why Trying to Save Could Be Costing You More Target Date Funds: Clark Howard's Favorite Retirement Investment 10 Secrets All Shoppers Need To Know About Costco - Clark Howard Warehouse Clubs Archives - Clark Howard  <a href="https:

Clark’s teaching mission has always focused on getting you to save every dollar you can for retirement, especially when you can “set it and forget it” through automatic contributions. It’s the best way to achieve financial freedom. Smart new initiatives are helping Americans save more:  Automatic Retirement Savings Programs.   Meanwhile, if you feel like your paycheck isn't going as far as it used to, you’re right. Comparing what everyday items cost 30 years ago versus today, the math explains why so many hardworking Americans feel completely squeezed. Critical pillars of the American dream have skyrocketed. Check out the link below to calculate your own inflation reality and see how to make your dollars work harder for you. Inflation Calculator - Clark.com Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 10, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark  Automatic Retirement Savings: Segment 1 Ask Clark: Segment 2 Calculating Inflation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] A better way to make saving money easier What Is a 403(b) and How Does It Work? - Clark Howard How I Set My Teens Up for Retirement in 5 Minutes Here's What 26 Everyday Things Cost In The 1990s Vs. 2026 Inflation Calculator - Clark.com Dacia Cars - Good Thinking - Dacia <

Are you on track for a happy retirement? It takes more than just a healthy bank account. In this episode, Wes Moss shares the lifestyle data that separates truly happy retirees from the rest. It all comes down to a "magic number" of core pursuits – the super-activities that keep you moving, socializing, and fulfilled. Then, he dives into the financial side, breaking down the psychological power of dividend investing and how it can bring calm to your retirement portfolio. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 9, 2026, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Tired of watching your auto and homeowners insurance premiums skyrocket? Good news: There are some simple ways to save money on both. The massive run-ups in auto insurance are finally slowing down, and there are concrete steps you can take right now to lower those bills without just shopping around.  Switching gears, Clark looks at a fascinating and hopeful trend highlighted by The Washington Post regarding how the next generation is fighting screen addiction. With reports showing that 50% of teens spend over four hours a day staring at their phones, a growing number of college students and campus leaders are fighting back. You may be inspired to unplug, step away from the digital noise, and build deeper connections with the people in your life. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 8, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark  Lower Insurance Premiums: Segment 1 Ask Clark: Segment 2 Fight Screen Addiction: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 9 Easy Ways To Lower Your Home Insurance Premiums Your Insurer Owes You a Discount for Taking a Defensive Driving Course in These States Car Insurance Archives - Clark Howard Why Clark Says Everyone Should Have a Dash Cam Homeowners Insurance Archives - Clark Howard Is a Safe Deposit Box Really Safe? - Clark Howard  <a href="https://www.was

Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also, are you blindly renewing your lease and paying more for rent every year? Stop! A massive boom in apartment construction across most of the country has officially flipped the script. It’s time to stop being passive and start letting the market work for you. Clark breaks down the exact strategy to slash your monthly housing costs. All this and more on the June 5, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Lower Rent: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Series I Savings Bonds Are a Good Deal Again 401(k) Loan Calculator - Clark Howard Travel Insurance: What You Need To Know Before You Buy How To Make Your Online Accounts Accessible When You Die Best 529 College Savings Plans By State Ask your landlord to lower your rent — now 4 Fastest Ways To Improve Your Credit - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Starting a business or a side hustle is easier than it used to be in terms of cost and technology. Is there an entrepreneur hiding inside you? While big corporations lay off loyal employees to please shareholders, nimble micro-businesses are thriving by doing things more efficiently. If you’re mid-career and sick of the corporate grind, Clark shares how you can mitigate your risk by starting a side hustle today that could become your full-time passion tomorrow.  Also, Clark dives into the $70 billion pool of unclaimed property waiting to be returned to everyday Americans. Know how to safely search public databases for free to see if you have funds lost in space - from old retirement plans, forgotten utility deposits, or insurance policies. In fact, a member of Clark's family recovered $10k this way! Learn how to navigate the documentation, avoid the scammers, and claim what is rightfully yours. Plus, Lane (Clark’s wife!) shares your #AskClark questions and Clark gives his take. All this and more on the June 3, 2026, episode of The Clark Howard Show. Submit questions: Ask Clark Startup: Segment 1 Ask Clark: Segment 2 Unclaimed Money: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Axios AM Deep Dive: Small biz revival    /   Go start a business How to Start an LLC: A Step-by-Step Guide EQUIFAX:  Employees - The Work Number Growing Number of Unfixed Mistakes on Credit Reports <a href="https://www.housebeautiful.com/home-remodeling/a42439999/prefab-tiny-houses/?utm_source=google&utm_medium=cpc&utm_campaign=mgu_ga_hbl_md_pmx_prog_org_us_22687005737&gad_sourc

Should You Help Your Adult Kids Buy a House? & 5 Things You SHOULD Spend More On Is helping your adult children buy a home a smart investment, or a threat to your retirement? In this episode, Wes Moss breaks down the harsh realities of today's housing market. With the median age of first-time homebuyers skyrocketing past 40 due to high prices and interest rates, more parents than ever are wondering if they should step in with down payment assistance. Wes shares the specific dollar amounts where helping your kids starts to negatively impact your happiness and retirement security, and why shifting your mindset from "spending" to "investing" changes the game. Also, Wes shares the story of "Around-the-World Robin" to illustrate why we often feel financial guilt even when we are totally on track – and outlines the five things you should actually consider spending MORE money on to maximize your happiness. Mentioned on the show: ROTH CONVERSION DECISION TREE Plus, Mallory shares your #AskWes questions and Wes gives his take. All this and more on the June 2, 2026, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - A warning about how much information you give an AI chatbot. Artificial intelligence tools like ChatGPT, Claude, and Gemini have made getting financial advice faster and easier than ever. But as the AI gold rush heats up, a massive privacy risk is emerging. Clark breaks down the critical things you should never tell an AI chatbot.  Also - The anatomy of a Ponzi scheme that RIPPED OFF $140 million from “investors.”  Clark covers two massive fraud cases—Drive Planning and First Liberty—which collectively defrauded thousands of investors out of hundreds of millions of dollars. When inflation or economic uncertainty makes us feel insecure about our money, we become susceptible to smooth pitches. Clark reminds us of the ultimate golden rule of investing: any time someone promises you "guaranteed" double-digit returns with zero risk, it is a lie. Learn how these schemes operate so you can spot the red flags, protect your hard-earned savings, and secure your financial future. Plus, Lane (Clark’s wife!) shares your #AskClark questions and Clark gives his take. All this and more on the June 1, 2026, episode of The Clark Howard Show. Submit questions: Ask Clark AI Privacy Risk: Segment 1 Ask Clark: Segment 2 Ponzi Schemes Steal Millions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Don’t tell your AI chatbot these 5 things to keep your money safe  Where Should You Keep Your Cash Reserve? - Clark Howard 6 Things To Know About Series I Savings Bonds - Clark Howard How To Open a Roth IRA Anatomy of a Ponzi scheme How to Teach Young Kids About Money - Clark

Friday - Clark Stinks day! Lane (Clark’s wife!)  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also today - A shocking 81% of consumers admit to routinely making impulse buys. But while small impulse buys hurt your weekly budget, there is one major lifestyle purchase that can absolutely sabotage long-term wealth: our second biggest purchase in life - a vehicle. The average cost of a car has climbed to a whopping $50,000, yet we still get tired of our rides and cycle through them too quickly. By making a single change to how, what, and how often you buy an automobile over your working lifetime—and investing those savings into the stock market instead—you could easily put an extra $250,000 directly into your pocket by the time you retire. Use our Wealth Impact Calculator to turbocharge your retirement savings today:  All this and more on the May 29, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Car Buying & Your Retirement: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an HSA Account and How Does It Work? - Clark Howard Is a 401(k) Loan a Good Idea? Almost Never - Clark Howard 401(k) Loan Calculator - Clark Howard Why Does My Locked Credit Card Still Allow Charges? - Clark Howard Lost Your Credit Card? How To Place a Temporary Freeze on Your Account How To Get a Gym Membership for Practically Free - Clark Howard  USA TODAY: Why you keep impulse buying, even when broke <a href="https://clark.com/personal-finance-credit/investing-retirement/a-single-c

Today - For home sellers, making sure your house is ready and appealing to buyers can mean you have to have a tough skin, but it can pay off. If you want your home to stand out in today's market, you have to nail the first impression. Clark breaks down how to stop turning buyers off and start getting offers. Also, Clark shares a terrifying cautionary tale that will make you think twice about choosing "paperless" billing. A systems glitch at Fidelity completely wiped out a Colorado woman's life savings, leaving her account balance at zero with no electronic record that she ever even existed. It took months of stressful battles with a flippant customer service department to restore her decades of hard work. There are currently forces at work that could leave you entirely responsible for proving your own net worth. While Clark isn't telling you to stuff cash under your mattress, he is sounding an urgent warning. Plus, Lane (Clark’s wife!) shares your #AskClark questions and Clark gives his take. All this and more on the May 27, 2026, episode of The Clark Howard Show. Submit your questions:  Ask  Clark Word To Home Sellers: Segment 1 Ask Clark: Segment 2 Money Fails & Paper Trails: Segment 3 Ask Clark: Segment 4 Mentioned on the show: These Are the 2 Biggest Hidden Expenses When Selling a Home How To Buy a House in 9 Steps - Clark Howard NYTimes: Her Life Savings Mysteriously Disappeared After a Systems Glitch Why You Need Paper Evidence of Your Financial Accounts Should You File for Bankruptcy? - Clark Howard 6 Things To Know Before Contacting the National Foundation for Credit Counseling Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark<

Forced To Retire Early? The Shocking Data Everyone Needs To Know & Market Warning for Investors Why do most Americans retire years earlier than they planned? In this episode, Wes Moss breaks down a startling trend from recent 2026 retirement studies. While most workers plan to clock out around age 65 or 66, the data shows the average actual retirement age is 61 or 62. Wes explores the three major reasons behind this gap – and shares the exact planning strategy you need to protect your financial future. Also, Wes dives into recent market volatility. While the market managed a shockingly fast 12-day recovery, Wes issues a crucial warning: this speed is the exception, not the rule. Learn the historical reality of market corrections so you don't get lulled into a false sense of security. Plus, Mallory shares your #AskWes questions and Wes gives his take. All this and more on the May 26, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also, while many of us use fitness trackers to count steps or monitor sleep, the latest data shows some of these devices are evolving into genuine lifesavers. Clark has worn a Garmin for twenty years and a Samsung smartwatch, but the Oura Ring has truly impressed him and for good reason, as new findings indicate.   Clark Stinks: Segments 1 & 2 Oura Reports: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Is Turo Legit? 5 Things To Know Before You Use It 5 of Clark Howard's Most Extreme Frugal Hacks What Is Umbrella Insurance and Do You Need It? - Clark Howard The Insurance Policies You Need (and Some You Don't) What Age Are Americans Actually Starting Social Security? Term Life vs. Whole Life Insurance: Understanding the Difference Oura Ring Helps Uncover 'Multiple Cases of Lymphoma,' Says Its Chief Medical Officer Axios: Finish Line: The quiet rise of "prescribing connection" 4 Ways To Stop Junk Mail - Clark Howard How To Choose the Best Charities for Your Donations - Clark Howard Memorial Day 2026: Facts, Meaning & Traditions Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter

With  Memorial Day weekend upon us, Clark shares important travel know-how. Navigating the rental car counter has become more like rocket science than a simple travel chore, but protecting your wallet starts with a few simple steps. With "car rental rage" on the rise due to surprise charges and poor service, it is critical to follow Clark’s timely rules. Also, if you’re looking for a domestic getaway, soft demand in a normally popular travel market presents a golden opportunity for the savvy traveler! Clark’s Rental Cars 101: Segment 1 Ask Clark: Segment 2 Vegas Nerve: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Cheapest Way to Rent a Car: Expert Tips - Clark Howard Credit Card Car Rental Insurance: What You Need To Know American Express Platinum Card® Review: Is It Worth It? Amex premium car rental protection 5 Things to Know About the Costco Car Rental Program 3 Reasons You Should Never Book a Nonrefundable Hotel Room HotelTonight: Last Minute Hotel Deals at Great Hotels Priceline - Find Cheap Hotel Rooms & Discount Hotels Travel Archives - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

10 Essential Duties of a Real Fiduciary Financial Advisor (It’s Not Just Investing) If you think a financial advisor’s only job is to pick stocks, you’re missing out on the most valuable services a true fiduciary provides. In this episode, Wes Moss breaks down the ten essential roles a fee-only advisor should play. Whether you are engineering a retirement cash flow or navigating the emotional rollercoaster of market volatility, learn why a real fiduciary is your "personal CFO" for every major life decision, not just your investment portfolio.Mentioned on the show: What Is a Fiduciary Financial Advisor and Do I Need One? Best Financial Advisors in 2026 - Clark Howard How To Find and Choose a Financial Advisor - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 19, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Recent financial statistics reveal something highly disturbing: The average American saves just 4% of their pay. Saving just four cents of every dollar earned is inadequate to provide long-term security and leaves the majority of the country living on the edge of a financial cliff. If you find yourself stuck in this cycle, it is time to embrace the "penny-at-a-time" strategy.  Also, the upcoming Memorial Day weekend brings massive sales events at furniture stores. The industry is flat on its back due to a frozen housing market, with many retailers in acute financial distress. If you’re in the market for furniture, know how to play the pay game strategically to avoid getting burned. Average Saving Doesn’t Cut It: Segment 1 Ask Clark: Segment 2 Warning: Furniture Sales: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 simple ways to start saving Save Money Archives - Clark Howard Simple Trick To Pay Down Credit Card Debt Quicker - Clark Howard What Brokerage Do You Recommend for First-Time Investors or Kids? 4 Types of Term Life Insurance Companies Explained - Clark Howard Why You Need To Check Your Credit Report Today - Clark Howard  NYTimes: America’s Furniture Stores Struggle to Survive a Frozen Housing Market 5 Things to Know About New Settlement That Could Change Credit Card Rewards SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About This Simple iPhone Update Stops Dangerous Spyware From Stealing Your Data <a href="https://www.dashlane.com/blog/what

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also, a knock on your door from a roofer claiming they’ve spotted hail damage via drone might feel like a lucky break, but it’s often a trap. While the idea of getting a "free new roof" is tempting, filing small or questionable claims is an abuse the industry no longer tolerates. Clark’s home insurance philosophy is an essential must-know to protect your wallet. Clark Stinks: Segments 1 & 2 Hail Damage Claims: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 10 Ways To Save on Prescription Drugs - Clark Howard Why You Should Consider Security Cameras (Without the Monthly Subscription) 6 Cheap DIY Home Security Systems - Clark Howard Why Study Abroad Can Lead To Higher Starting Salaries For U.S. Graduates - Forbes Clark Howard: Habitat for Humanity  / Habitat Rethinking Homeowners Insurance: The Catastrophe-Only Rule When Should You File a Claim on Your Homeowners Insurance? Homeowners Insurance Archives - Clark Howard  Where Should You Keep Your Cash Reserve? - Clark Howard Scam Alert: New ‘Party Invite’ Message Can Empty Your Bank Account Clark.com resource

While Congress has made it easier than ever to access 401(k) funds through hardship withdrawals, this can be a dangerous trap for your future self. Losing out on decades of compounded interest has long-term consequences. Before you hit retirement savings to cover a financial bump, use the Team Clark 401(k) Loan Calculator to see the true cost of that withdrawal – it might just convince you to find another way to bridge the gap.  Also, Clark breaks down how Amazon has partnered with vehicle brands in new markets, offering another option for more streamlined car buying. Know how to bypass the gimmicks and games to get a fair price on your next vehicle. 401(k) Loans: Segment 1 Ask Clark: Segment 2 The Car Buying Process: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Is a 401(k) Loan a Good Idea? Almost Never - Clark Howard 401(k) Loan Calculator (Clark.com) Clark Howard's Special Rule for Refinancing Your Mortgage Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option Why You Should Never Store Your Payment Information Online Top 7 Ways To Shop Safely Online - Clark Howard Why Amazon and Costco May Be The Best Ways to Buy Your Next Car The Best Car-Buying Services - Clark Howard Report: 4 Used Electric Vehicles Under $25,000 - Clark Howard What Mileage Should I Target on a Used Electric Vehicle? CR - Used Hybrids & EVs Ratings  SIXT+ | Your Car Subscription <a

Clark Howard & Wes Moss: Your Top Money Questions Answered! In this special episode, Clark Howard and Wes Moss join forces to answer real-world money questions from people just like you. No jargon, no fluff – just actionable advice to help you reach your goals faster. Mentioned on the show: Roth 401k Calculator - Clark Howard Roth vs. Traditional 401(k): What's the Difference? - Clark Howard Why Clark Howard Is Obsessed With Roth for Retirement Savings Backdoor Roth IRA: How High Earners Can Still Contribute All this and more on the May 12, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In today’s real estate market, you can get burned trying to “flip” homes. The reality of today’s market means the math rarely works for the average investor. Clark explains when we’ll see a healthy environment for investment. Also - The job market is wide open for those willing to roll up their sleeves. Despite foreboding headlines warning of grim prospects for graduates, young people are finding employment more easily than expected. This is especially true for teens looking for summer work. Due to labor shortages in the hospitality and restaurant industries, jobs are readily available. Clark discusses  where the summer (and year round) jobs are now.  Real Estate Investing: Segment 1 Ask Clark: Segment 2 Where The Jobs Are: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should You Pay Off Your Mortgage or Invest?  /  Calculator - Clark Howard Why Your Teen Needs a Summer Job Jobs Archives - Clark Howard Authorized User vs. Joint Account Holder - Clark Howard How To Prevent, Report and Repair Identity Theft - Clark Howard How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Who Controls Gas Prices in the US? / NYT: Why Gas Prices Go Up Fast & Fall Slowly <

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also, deciding whether to throw extra cash at your mortgage or funnel it into the stock market is one of the most debated dilemmas in personal finance, especially now that nearly a quarter of homeowners are carrying rates at 6% or higher. While Clark despises debt and champions the psychological freedom of owning your home free and clear, it’s vital to balance that achievement with the mathematical reality of long-term financial security. Clark offers guidelines for creating your financial priorities, including Team Clark’s new Pay Off Mortgage or Invest Calculator, to help make sure your money is working as hard as possible for the future. Clark Stinks: Segments 1 & 2 Financial Priorities: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What’s the Total Value of the Capital One Venture X Rewards Credit Card Perks? Top 10 Perks of the Capital One Venture X Rewards Credit Card  Report: How Much You Need To Save in Each State To Retire Comfortably Best Prepaid Cards: Top Debit Card Alternatives - Clark Howard  Should You Pay Off Your Mortgage or Invest? - Clark Howard  Pay Off Mortgage or Invest Calculator (Clark.com) When You Should (and Shouldn't) Use a 529 Plan - Clark Howard Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard Best Term Life Insurance Companies, Plans & Coverage

Health care costs in America have reached a breaking point, with many being forced to drop costly medical insurance entirely. But whether you’re insured or paying out of pocket, you have more power than you think. Today, Clark discusses a key practice you can incorporate to help  manage the high cost of health care. Also, we are currently in a period of intense retail instability. Clark explains how your gift cards can become worthless overnight, so in the interest of not wasting money - Clark has an urgent assignment for joyful spending - of gift cards that is.  Healthcare Cost Strategy: Segment 1 Ask Clark: Segment 2 Use Or Lose Gift Cards Stat: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Health care sticker shock has become the norm, but talking to your doctor about costs can help you rein it in — The Conversation⁠ What Is an HSA Account and How Does It Work? - Clark Howard Are Extended Warranties Ever Worth It? - Clark Howard How to Freeze Your Child's Credit - Clark Howard Why You Need To Use Your Gift Cards ASAP - Clark Howard 10 Secrets All Shoppers Need To Know About Costco - Clark Howard Ting: Fire Prevention & Power Outage Alerts How To Lower Your Property Taxes in 4 Steps - Clark Howard Clark.com resources: Episode transcripts <a href="https://community.clark.com/"

What Will Our College Grads Do for Work? & Is the U.S. Dollar Dying? In this episode, Wes Moss debunks two of the biggest myths in the economy right now. First, Wes looks at the actual data behind youth unemployment. Despite the rise of AI, the numbers for college grads aged 22–27 remain remarkably stable. Wes explains why the labor market is far more dynamic than the "net new jobs" headlines suggest – and why there is plenty of reason for parents to be optimistic about their children's careers. Also, Wes addresses the "Death of the Dollar." From global trade invoices to commodity pricing, Wes breaks down why the U.S. Dollar remains the undisputed heavyweight of the global economy, despite the constant "De-dollarization" doom-talk in the news. Mentioned on the show: YCharts - Financial Research and Proposal Platform Review and Rebalance Your Portfolio With X-Ray’s New Holdings Breakdown Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 5, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

There’s a new scam hitting inboxes that several of our team members admit would have fooled them. Digital thieves are sending fake party invitations that appear to be coming from your friends. After hacking into email contact lists, scammers send out deceptive invites to download viruses onto your device, giving them access to your financial accounts and private emails. Know what to do before clicking any links. Also today, learn - how to tell if a debt collector is legit, actionable strategies if faced with collector harassment, and where to turn for legitimate help paying off debt.  The Party Invite Scam: Segment 1 Ask Clark: Segment 2 Debt Collection & Debt Relief: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Scam Alert: New ‘Party Invite’ Message Can Empty Your Bank Account Fraud Is Skyrocketing: 5 Ways To Protect Your Hard-Earned Assets Why You Should Never Click on Random Text Messages The Best Place To Buy a Mattress - Clark Howard Which Documents Should You Keep and for How Long? How To Send a 'Drop Dead' Letter to a Collection Agency    What to Do When You're Being Harassed About an Old "Zombie Debt" 6 Things To Know Before Contacting the National Foundation for Credit Counseling Avalanche vs. Snowball: Which Debt Payoff Method Is Best? How To Build Your Credit Score from Scratch - Clark Howard Clark.com resources: Episode transcripts Comm

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - While the widespread adoption of security cameras has revolutionized public safety, their application is spurring privacy debate throughout the country.  The rules of engagement for our data are dangerously lacking. It's time to demand clear state and local laws that delineate how this data is stored and shared, especially when private businesses are involved.  Clark Stinks: Segments 1 & 2 Security Camera Privacy Backlash: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Simple Trick To Pay Down Credit Card Debt Quicker - Clark Howard How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should I Freeze My Credit With the Other Credit Bureaus? Cameras have quietly appeared in thousands of US cities – now, their integration with AI is sounding alarms — The Conversation What Is a Roth 401(k) and How Does It Work? - Clark Howard Target Date Funds: Clark Howard's Favorite Retirement Investment How To Choose Funds in Your 401(k) (and How Not To) Fidelity Investments Review: Pros & Cons - Clark Howard Best 529 College Savings Plans By State Life Insurance Archives - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  <a href="https://clar

Now is a good time for some financial spring cleaning. Take a close look at your bank statements to identify any "subscription creep" draining your wallet. Clark shares a pro-tip to simplify tracking expenses so you know exactly where your money is going every month. Also, a timeshare by any other name — like "vacation plan" — is still a timeshare. And they have seen a massive resurgence. Big-name hotel brands have revamped these contracts, offering "points" and flexibility instead of the old-school fixed week and location. Clark’s advice remains unchanged: don't let the lure of escapism turn into a permanent financial obligation you can't escape. Financial Spring Cleaning: Segment 1 Ask Clark: Segment 2 Timeshare Resurgence -Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 7 Ideas for Saving Money on Your Streaming TV Bill in 2026 How To Manage Your Monthly Subscriptions To Save Money 7 Types of Subscriptions You May Want To Cancel Today How To Get a Gym Membership for Practically Free - Clark Howard What Is Service Line Insurance and Do I Need It? - Clark Howard Why Vacation Clubs Are Even Worse Than Timeshares How To Sell, Cancel or Get Rid of Your Timeshare - Clark Howard 5 Money Tips To Know Before You Travel Abroad - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter <a href="https://clark.com/about-cons

Why Retirement Confidence Is Plunging & Fiduciary vs. Financial Advisor Wes Moss breaks down a troubling shift in the American economy: the rapid decline of retirement confidence. Drawing on three decades of data from the Employee Benefit Research Institute (EBRI), Wes highlights a staggering trend where worker confidence has dropped in 2026. This pessimistic outlook is mirrored by the University of Michigan Consumer Sentiment index, which has hit an all-time historical low. Wes identifies the primary culprit. Also, Wes tackles the crucial question of who you should trust to manage your money during these uncertain times. He demystifies the industry by comparing financial advisors to peppers in a grocery store: while they may look identical on the outside, their "heat" levels vary wildly. Wes discusses why transparency is key and provides actionable advice on how to check your advisor's contract to ensure your investments are working for you, not for your advisor's bottom line. Mentioned on the show: WSJ - America’s Most Tortured Retirement Regulation Is Struck Down (Again) How To Find and Choose a Financial Advisor Best Financial Advisors in 2026 - Clark Howard What Is a Fiduciary Financial Advisor and Do I Need One? What Is an HSA Account and How Does It Work? - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 28, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments!Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Many Americans reaching millionaire status still feel like they are standing on shaky financial ground. Clark explains the psychological and cultural traps that can keep high earners feeling insecure - and how the "bear preparing for winter" strategy can build financial confidence. Also, with all the job scams and ghost job listings out there now, how do you know an opportunity is real?  Whether seeking career change or a part-time gig, con artists are using fake listings to harvest your identity and your money. Clark reveals the red flags to watch for, including the essential "verify before you apply" workflow. Financial Confidence: Segment 1 Ask Clark: Segment 2 Job Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show: High-Income But Low Confidence? This 5-Point Plan From a Financial Planner Can Fix That Credit Cards That Can Beat 2% Cash Back on Everyday Purchases Earn a $200 Cash Bonus With This Credit Card - Clark Howard Where Should I Set Up My Health Savings Account (HSA)? Clark.com - CREDIT CARDS How to avoid a side hustle scam Why You