The Clark Howard Podcast

Winter heating bills won’t be pretty, especially in markets that rely on oil for heat. What can you do now to prepare? Taking control of monthly expenses comes down to knowing where the real price traps are hiding. Clark unpacks the latest updates on winter heating trends and shifting food prices to help you make smarter financial decisions. First, discover why home heating oil prices are squeezing homeowners, how steady natural gas supplies are offering relief, and why simple home fixes can keep your home warm without breaking the bank. Then, Clark exposes what is really happening behind the scenes at the supermarket. While store-brand basics and produce are becoming more affordable, brand-name junk food and processed snacks climb in price as manufacturers test how much shoppers are willing to pay. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the October 21, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Winter Heating: Segment 1 Ask…

Rapid Fire Q&A: Roth Conversion Traps, RMD Spending Rules, & Switching Careers To Finance Welcome to another edition of "Rapid Fire" on Ask an Advisor! Today, Wes Moss is opening up the listener mailbag to answer your direct financial questions. From navigating tricky Roth IRA 5-year rules to deciding the exact order of account withdrawals in retirement, we’re covering real-world strategies to help you retire sooner and smarter. Mentioned on the show: 5 Keys To Be a Successful Investor - Clark Howard Should You Sell or Stay in the Stock Market if You Are Retired or Retiring Soon? The Order You Withdraw Retirement Money Matters More Than You Think Required Minimum Distributions: How To Calculate, Rules All this and more on the October 20, 2026, Ask an Advisor “Rapid Fire” episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com We hope you enjoy our weekly…

Artificial intelligence is creating unprecedented risks for your retirement savings, with AI-driven fraud causing massive financial losses across the country. Deepfakes and voice-cloning technology have become so advanced that scammers can effortlessly mimic real people, leaving brokerage firms and financial institutions vulnerable to fraudulent transfer instructions. Clark has recommendations to help secure your life savings. Also, navigating finances as a couple can be challenging, especially when partners enter a relationship with different money habits, debt, or savings. While maintaining completely separate bank accounts can breed distrust and weaken marital bonds, combining everything without a strategy can cause friction. Clark explains how to practice a balanced approach built on trust. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the October 19, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Protect Retirement Funds: Segment…

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, even if oil and jet fuel prices drop, major U.S. airlines warn that fluctuating costs mean high airfares are here to stay for the foreseeable future. With flight delays and unpredictable pricing making winter travel tricky, flexibility and preparation are key. Clark breaks down his top strategies for beating high airfares and making your travel budget go further. All this and more on the October 16, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Clark Stinks: Segments 1 & 2 Winter Travel: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option TSA PreCheck® vs. Global Entry vs. CLEAR+: Which Is Best for You? Is There a Safe Way to Use Your Debit Card? - Clark Howard Follow Clark Howard's #1 Rule To Travel Cheap Booked a Flight? This New Tool Will Tell You When the Price Drops Today's Top…

Secret Hospital Price Lists Exposed & Simple Cart Trick That Saves You Money Healthcare costs are skyrocketing, and with health insurance prices expected to jump even higher, taking control of your medical expenses is vital. Clark shares a radical workaround to save thousands on life-saving brand-name medications, plus a powerful free tool at hospitalpricingfiles.org that unveils secret hospital price lists so you can comparison shop non-emergency tests and procedures before you pay. Plus, as holiday shopping starts earlier than ever, impulse buying can easily destroy your budget. Clark warns against signing up for retailer promotional alerts that trigger emotional spending on wants instead of needs. He shares a favorite strategy to protect your wallet: the 24-hour cart rule. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the October 14, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Medical Expenses: Segment 1 Ask Clark: Segment 2…

Are High-Yield Investments Dangerously Risky? & Why Wes Updated His Thinking on HSAs Jim Cramer says high yields are dangerous – so is retirement income actually at risk? Wes sets the record straight on high-dividend stocks, interest rates, and how to safely build a yield ladder. Plus, Wes shares a personal shift in his own financial strategy: why he recently updated his thinking on High Deductible Health Plans (HDHPs) and how Health Savings Accounts (HSAs) can become a triple-tax-free powerhouse for your retirement. Mentioned on the show: ⁠ The Overlooked 'Rule of 55' Could Unlock an Earlier Retirement⁠ TIPS: The Inflation-Proof Alternative to Standard Bonds How To Find and Choose a Financial Advisor - Clark Howard Best Financial Advisors in 2026 - Clark Howard All this and more on the October 13, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – order The Retire Sooner Method by Wes Moss today at…

With gas prices squeezing wallets, you might be tempted to trade in your current ride for a fuel-efficient hybrid or EV. However, making a permanent financial decision based on a temporary spike in gas prices can cost you thousands in the long run. Before you swap keys to save on fuel, make sure the math actually works for your budget. Also, Clark sets the record straight on a viral Walmart rumor. Stores are rapidly replacing paper price tags with digital shelf labels, leading some to believe Walmart is tracking individual phones to dynamically surge prices as you walk down the aisle. What’s really going on here? Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the October 12, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Gas Prices & Your Car: Segment 1 Ask Clark: Segment 2 Digital Pricing Transition: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should You Buy a New Car Because of Gas Prices? How To Save Money on Gas: 24 Ways -…

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, is your home insurance company offering free smart tech? It is becoming increasingly common for insurers to send free monitoring devices to prevent two of the biggest – and costliest – headaches homeowners face: electrical fires and water damage. Such offers can be a win-win - for the insurer AND home owner. All this and more on the October 9, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Home Monitoring Tech: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Things To Know Before You Buy a TV Antenna - Clark Howard How To Watch Local Channels Without Cable - Clark Howard Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet 5 Ways To Manage the Massive Run-Up in Insurance Costs Easy DIY Upgrades To Save on Home Insurance - Clark Howard Free Smart Home Devices From Your Insurer: Is There a Catch? The Home Service Clark Howard Says You…

Interest rates are up, and Clark addresses how to maximize savings, and what mortgage rates mean for the housing market. The giant monster mega banks are paying an insulting 0.01% on savings accounts, essentially a zero return. What rate should you be looking for elsewhere? Meanwhile, the housing market shifts yet again as 30-year mortgage rates hit 7%, crushed by geopolitical instability and inflation. However, there’s a clear silver lining for potential buyers: high rates have stalled the market, forcing sellers into price cut capitulation. If you can afford the monthly payment, buying at a significantly lower purchase price now and refinancing down the road when rates drop is an enormous long-term advantage. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the October 7, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Save More - Shop Bank Rates: Segment 1 Ask Clark: Segment 2 Mortgage Rates & Housing Capitulation: Segment 3 Ask Clark:…

Interest Rate Spike: Panic or Opportunity? & 7 Most Important Ages In Retirement Planning Why are bond yields climbing so rapidly, and what does it mean for your money? Wes Moss breaks down the massive shift in the $51 trillion U.S. bond market and why higher interest rates might actually be good news for your portfolio. Plus, Wes walks through the seven most important retirement planning ages every investor needs to mark on their calendar. Mentioned on the show: KFF is a nonpartisan health policy organization The Overlooked 'Rule of 55' Could Unlock an Earlier Retirement A Simple Rule for When To Take Social Security - Clark Howard What Is Umbrella Insurance and Do You Need It? - Clark Howard Roth vs. Traditional 401(k): What's the Difference? - Clark Howard All this and more on the October 6, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – order The Retire Sooner Method by Wes Moss today at…

Cut Your Bills by DIYing & Protect Yourself From This Devastating Online Scam "Necessity is the mother of invention"—that classic adage takes on new meaning under today’s cost pressures. High prices are driving many to look for creative ways to stretch a dollar, from scoping out everyday deals to embracing DIY projects. Instead of relying on expensive professionals for every task, leaning into basic home skills, repairs, and crafting can keep hard-earned money in your pocket – and possibly evolve into a profitable side hustle. Also, Clark exposes the dangerous mechanics behind online romance scams. Criminals are using a calculated playbook to target victims of every age group, from vulnerable young adults to lonely hearted seniors. It is critical to stay vigilant, recognize the warning signs, and keep a close eye on friends and relatives to ensure nobody falls victim to these costly emotional traps. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the October 5,…

Clark Stinks & Why Health Insurance Costs Are Surging (and How To Prepare) Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, healthcare costs are surging nationwide, and Americans are feeling the squeeze whether they get coverage through an employer or buy a plan on the state exchanges. With exchange premiums set to jump up to 20% in hard-hit areas and employer health benefit costs projected to spike at the highest rates in decades, navigating this open enrollment season will require making tough, strategic choices. Take the time during open enrollment to re-evaluate your coverage, compare providers, and look at alternative plan tiers. All this and more on the October 2, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Clark Stinks: Segments 1 & 2 Open Enrollment: Segment 3 Ask Clark: Segment 4 Mentioned on the show: TIPS: The Inflation-Proof Alternative to Standard Bonds - Clark Howard Do You Get Better Prices on…

Alert: Bank Imposter Scam Draining Life Savings & Shocking Truth About Travel Costs Right Now Clark exposes a dangerous financial scam that is draining people’s entire life savings and explains why your protections might not apply if you fall for it. Financial imposter scams are becoming sharper and more sophisticated. Clark shares the single mandatory step you must take whenever you receive an urgent alert from a fraud department to keep your hard-earned money safe. Plus, if you're planning a vacation, Clark reveals why shoulder season travel savings have practically vanished this year and what's really driving up the cost of your next trip. From soaring fuel prices to weakening dollar values, cruise lines and airlines are feeling the pinch and passing the expenses on to you. Learn where you can still find genuine travel deals if you’re willing to shift your strategy on the calendar. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 30, 2026, episode…

Secret to Giving Yourself 'Permission to Spend' in Retirement & Are Pensions Back? Wes dives into new research showing that median-wealth retirees underspend their potential income by 8% – and wealthier retirees underspend by a staggering 47% to 53%. Wes breaks down the psychological difference between spending assets versus spending income streams, and the little-known shift that can give you the "license to spend" without locking your money away in an annuity. Plus, are pensions making a surprise comeback? Wes explores recent Wall Street Journal data showing thousands of companies adding pension-style plans, why workers want them back, and what this means for the future of retirement. Mentioned on the show: What Is an Annuity, and Why Does Clark Think They Stink?⁠ ⁠How Two Clark-Approved Annuities Can Reduce Retirement Stress⁠ ⁠Annuity Calculator: Is it Worth It? - Clark Howard⁠ ⁠How To Turn Part of Your Nest Egg Into a Pension - Clark Howard⁠ ⁠What It Would Take Each Month To Build Your Own Social…

How To Inflation-Proof Your Portfolio & The Free Account Everyone Needs To Set Up Before Retirement Navigating your investments as you age can get confusing, especially when rising interest rates make traditional bond funds a scary prospect. While young investors can comfortably ride out stock market volatility, those approaching their late 50s and beyond need a more balanced portfolio to protect their hard-earned money. Instead, consider Treasury Inflation-Protected Securities (TIPS) as a powerful, inflation-proof alternative to standard bonds, as Clark explains. Also, there is an urgent security measure you need to take right now – no matter your age. Many people assume they don't need a MySocialSecurity account until they are ready to retire, or they worry the program won't exist in the future. Clark walks us through why it’s so crucial to open an account as soon as possible. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 28, 2026, episode of The…

Clark Stinks & Deal Alert: Running Shoes Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, running and walking shoe prices are finally dropping, creating a massive money-saving opportunity for your wallet. Major retailers like Dick’s Sporting Goods are feeling the squeeze from an oversupplied market and slowing consumer demand, leading to deep discounts across nearly every major brand. Whether you need a fresh pair for daily walks or serious training, now is the time to skip full retail and lock in major savings across the board. All this and more on the September 25, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Clark Stinks: Segments 1 & 2 Running Shoes Discounted: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Money Tips To Know Before You Travel Abroad - Clark Howard 5 Money Mistakes To Avoid When Traveling - Clark Howard Mystery Vacation | Groupon Getaways How To Get Top-Brand Running Shoes for Cheap…

Is Your Internet Provider Ripping You Off? & How Clark Finished College Fast To Save Money Are you still paying the "inertia tax" on your home internet? As giant cable megamergers reshape the market, big providers are steadily jacking up prices on customers who stay on autopilot – just like old landline companies did decades ago. Clark reveals how to break free from the cable monster. Plus, with student loan interest rates soaring and college costs out of control, Clark breaks down the growing trend of 3-year bachelor's degree programs. Drawing on his personal experience of rushing through undergrad to save cash, Clark explains how accelerated and reduced-credit degree options are helping students bypass massive debt, slash room-and-board expenses, and keep their financial futures on track. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 23, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Clark Smart Home Internet: Segment 1…

The Dark Side of Retirement (and How To Avoid It) & Lump Sum vs. Monthly Pension Decision Tree Retirement is often touted as the ultimate goal, but Wes reveals why reaching the finish line can bring unexpected challenges. Wes exposes the sobering statistics behind aging in America, emphasizing why true retirement success requires building a "portfolio of purpose" alongside financial security. Also, Wes breaks down his brand-new decision tree to help you settle the age-old debate of choosing a lump sum versus monthly pension payouts, introducing his straightforward 6% Rule and four key questions to protect your wealth, fight inflation, and secure a blissful retirement. Mentioned on the show: ⁠How To Invest a Lump Sum or Cash You've Left Uninvested⁠ ⁠Pension vs Lump Sum Calculator - Clark Howard⁠ All this and more on the September 22, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – order The Retire…

The banks are at it again, and Clark wants to make sure you don't fall into a dangerous debt trap. Home equity levels are at record highs as financial institutions aggressively push homeowners to tap equity with HELOCs and cash-out refinances to pay off credit cards or fund lifestyle expenses. Clark explains why turning your home's equity into high-interest debt is a massive financial risk, how it mimics the harmful bank tactics of 20 years ago, and why keeping your low fixed-rate mortgage intact is critical for long-term stability. On the auto front, while major manufacturers continue prioritizing high-margin luxury vehicles over budget-friendly models, smart options still exist. Clark highlights nine major auto brands still averaging under $40,000 per sale, and reveals why the absolute best financial move you can make today is simply keeping your current vehicle on the road as long as possible. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 21,…

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, there are new tools for parents to keep track of their babies' health and sleep. These are much more sophisticated than old fashioned monitors. Is there cause for concern? Smart monitors and AI-powered devices are now tracking everything from sleep patterns and health metrics to developmental milestones and growth rates right from birth. While these analytics are popular with parents used to tracking their own health data, you have to ask: who else is watching? Before you install an AI surveillance system in your nursery, Clark shares a warning to consider. All this and more on the September 18, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 AI Baby Health Surveillance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans Best Return of Premium Life Insurance for 2026 Term Life vs. Whole Life…

Clark drops an urgent warning for vehicle owners regarding a massive spike in auto insurance claim denials. If you let a friend, colleague, or extended family member borrow your vehicle to run a quick errand, you could be setting yourself up for financial disaster. Also, a sleazy car insurance tool has made an AI video of Clark endorsing its product. This is happening all over social media. Clark tackles the explosion of sophisticated AI-generated scams plaguing social media platforms like Facebook. From deepfake videos using Clark’s own voice and image to pitch bogus insurance products, to fake ads offering unbelievable discounts on luxury goods, scammers are leveraging advanced technology to trick you out of your hard-earned money. Clark shares how you can protect your wallet, spot counterfeit deals, and why you need to adopt a healthy sense of skepticism—not cynicism—whenever you see trusted public figures or targeted ads popping up in your feed. Plus, Christa shares your #AskClark questions and Clark…

How To Build Wealth Without a Tech Job & Hidden Dangers of Coast FI Forget the myth that you have to work on Wall Street or in Silicon Valley to build massive wealth. Wes reveals the power of the "Everywhere Millionaires" – the 3 million Americans who have accumulated a collective $65 trillion by building unglamorous, low-tech, and non-tech businesses. Discover why tactile, essential industries are producing some of the richest entrepreneurs in the country (including a former hot dog stand owner who sold his business for $1 billion). Then, Wes issues a crucial warning for young investors drawn to the Coast FI movement. While saving aggressively early in life is fantastic, relying solely on compound interest while taking your foot off the savings gas pedal in your 20s or 30s carries massive hidden risks. Wes explains why life’s unexpected variables mean you shouldn't step back from your financial goals too soon. Mentioned on the show: Are You Well Invested? Here’s a 6-Point Check Backdoor Roth IRA: How High…

Think you need an expensive, full-blown security system to protect your home? Think again. Clark shares how even a single inexpensive security camera can serve as a massive deterrent against burglars. While surveillance technology certainly has its privacy drawbacks, Clark breaks down the major safety benefits for homeowners. Plus, long considered a reliable platform bringing legitimacy to ticket resale, StubHub is now facing intense backlash from customers stranded at major events like the World Cup. Clark discusses findings from a Wall Street Journal report detailing how the company reportedly gutted customer service, altered contact methods, and hid their legal address to dodge arbitration requests and frustrate customers seeking refunds. Hear Clark's take on this unbelievable situation and what it means for anyone buying resale tickets today. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 14, 2026, episode of The Clark Howard Show. Submit your…

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, data centers being built around the country have been polarizing, but one thing is for certain: your electricity bills are going up. Clark describes how the deals are done - often out of public view, who should rightfully pay the freight, and issues a critical call to action. All this and more on the September 11, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Data Centers- A Call To Action: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Clark Howard Changed His Mind About Prenups Car Rental Insurance: Everything You Need To Know - Clark Howard Is Now the Time To Get a CD or a CD Ladder? - Clark Howard Where Should You Keep Your Cash Reserve? / TreasuryDirect.gov When Should You File a Claim on Your Homeowners Insurance? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone NYTimes: Data Centers to Add Billions in Power Costs in…

Rapid Fire Q&A: The "Happiest Retiree" Pet Factor, RMD Alternatives, Fidelity’s New Annuity + More Questions Answered Welcome to our first monthly "Rapid Fire Thursday" episode of Ask an Advisor! Today, Wes Moss is opening up the listener mailbag to answer your direct financial questions. We’re covering a wide range of topics: from how pets fit into the "Happiest Retirees" research, to whether UTMA accounts or Trump Accounts beat out a classic 529 plan for college and savings goals. Plus, we address pension life insurance strategies, handling portfolio planning with reduced life expectancy, and how to navigate the infamous "Tax Torpedo" in retirement. Mentioned on the show: Required Minimum Distributions: How To Calculate, Rules The Biggest Investing Lesson From Trump Accounts - Clark Howard Best 529 College Savings Plans By State Roth IRA vs Traditional (Pre-Tax) IRA Calculator - Clark Howard All this and more on the September 10, 2026, Ask an Advisor “Rapid Fire” episode of the Clark Howard podcast. Submit…

Would you pay a lower price for lower quality? Clark readily admits he would - in some cases. Is buying the absolute cheapest option actually saving you money, or is it a hidden trap? Clark breaks down the everyday dilemma between price and long-term quality, sharing where he happily goes rock-bottom cheap (like flat-screen TVs) versus where paying a bit more pays off for safety, durability, and real value. Also, are you staying in your job to keep your benefits? Nearly 1 in 4 Americans are stuck in jobs they want to leave simply because they can't afford to lose their health coverage. Clark exposes the bizarre history behind "job lock" and explains why tying healthcare and complex retirement plans to employment is a system that desperately needs fixing. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 9, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Price Vs Quality: Segment 1 Ask Clark: Segment 2 Job Lock: Segment 3 Ask…

Why the "K-Shaped" Economy is WRONG & What Rising Interest Rates Mean for You Is the "K-shaped" economy an accurate description of what Americans are experiencing today? Wes breaks down why the economy looks less like a "K" and more like an "E" — and what that means for your money, spending, and job prospects. Wes also tackles the burning question on every investor and homeowner's mind: What happens if interest rates keep rising? From the 10-Year Treasury yield to the inverse relationship between interest rates and bond prices, learn how potential rate hikes could impact your mortgage, car loans, and fixed-income portfolio. Mentioned on the show: Axios: The closing of the "K" Remote work -- not AI -- has sidelined recent college graduates 5 Keys To Be a Successful Investor All this and more on the September 8, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – order The Retire Sooner Method by Wes Moss…

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses retirement with Wes Moss including how we can plan for not only a solid financial future, but a happy one as well. Clark Stinks: Segments 1 & 2 Clark & Wes On Retirement: Segments3 & 4 Mentioned on the show: Why Property Taxes Are Soaring (and How To Fight Back) Why You Need To Lock Your Brokerage Account Today Why Your HOA Fees Are Skyrocketing - Clark Howard The Biggest Investing Lesson From Trump Accounts - Clark Howard T-Mobile Retires Legacy Plans: Expect a Price Increase FCC - Filing an Informal Complaint Why some Americans are forced to retire too soon - Marketplace A Single Change to Your Car-Buying Habits Could Add $250,000 to Retirement Gen Z 401(k) Savings Compared to Older Generations Discover the research-backed path to an earlier, happier retirement – order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com. All this and more on the September 4,…

A surprising new study shows that Millennials and Gen Z account for 80% of all new timeshare purchases. In an era where homeownership feels increasingly out of reach for younger generations, buying into a timeshare might offer a psychological sense of owning real estate—but it is one of the worst financial traps you can walk into. Also, how can you tell if something is a fake brand or not? There is a helpful new browser extension called Knockoff designed to clean up your Amazon search results. Because Amazon functions largely as a third-party marketplace and fulfillment house, the platform has been flooded with junky, counterfeit items and unknown knockoff brands. A member of Team Clark tested Knockoff and found it does a great job filtering out suspect sellers and warning you about low-quality duplicates as you shop. Read the full review. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 2, 2026, episode of The Clark Howard Show. Submit your…

In this episode, Wes shares why retiring as soon as possible is more critical than most people realize. He highlights why waiting too long can cost you the best, most active years of your life, and explains how the Retire Sooner Method helps you shave years off your career so you can enjoy true freedom while you still have the energy to use it. Also, Wes tackles one of the biggest threats facing new retirees today: Sequence of Returns Risk. Even in a strong market, market downturns in the first few years of retirement can drastically alter your long-term wealth. Through a side-by-side example of two retirees with identical 5% average returns, Wes demonstrates how early negative returns during active withdrawals can leave one person with nearly a million dollars less than the other. You'll gain a clear understanding of why timing matters just as much as average returns, along with practical steps to adjust early withdrawal strategies and safeguard your nest egg against market volatility. Mentioned on the…

The American healthcare and financial systems can feel deeply broken, but you are not powerless. With healthcare costs skyrocketing and deductibles growing larger every year, many people feel trapped when facing a medical procedure. Clark shares an instructive real-world story from The Washington Post, explaining how price transparency (and lack thereof) impacts your wallet and why price-shopping non-emergency medical procedures is essential for protecting your savings. Clark also addresses the growing wave of financial stress facing millions of households now. As inflation strains budgets and credit card default rates rise, debt collectors are taking consumers to court in record numbers. If you or a loved one are dealing with aggressive debt collectors, Clark walks through your legal rights, how to stop harassing calls, and why getting every agreement in writing is non-negotiable. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 31, 2026, episode of The…

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, every time a major technological shift happens, we hear predictions of widespread job destruction—and the rapid rise of Artificial Intelligence is driving those fears to a whole new level. Clark breaks down what the AI boom actually means for your paycheck, how tech expansion shifts hidden costs onto consumers, and the concrete steps you can take today to pivot, re-educate, and make your career resilient against technological change. All this and more on the August 28, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 AI & Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Top Fortune 500 Companies for Remote Work - Clark Howard How To Find a Trustworthy Mechanic - Clark Howard Credit Card Car Rental Insurance: What You Need To Know Should I Keep My Old Car or Buy a New Car? - Clark Howard NYTimes: A.I. Companies Are Recruiting Electricians and Carpenters by the…

With food prices sky high, food waste is an area of real concern - and potential savings. Clark breaks down the truth behind confusing expiration dates like "Best By" versus "Use By" as marketing tactics designed to get you to buy more often. Also, Clark tackles a critical and all too common relationship issue: one partner completely in the dark about household money. A household culture of "he handles it" or "she takes care of that" is a pathway to financial stress, hidden debt, and complete chaos if the unexpected occurs. Clark discusses how couples can maintain financial independence without secrets, and outlines a simple seasonal document routine to ensure both partners always know where all accounts, debts, and assets are located. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 26, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Waste Not: Segment 1 Ask Clark: Segment 2 Couples’ Financials: Segment 3 Ask Clark: Segment 4…

In this special episode, fiduciary financial advisor Wes Moss answers your top questions on high-yield savings accounts, college planning, investing for grandchildren, preparing for retirement, and more. Whether you’re dealing with falling savings rates or trying to navigate high-yield dividend options, Wes breaks down the practical strategies you need to keep your money working for you. Mentioned on the show: Where Should You Keep Your Cash Reserve? - Clark Howard Backdoor Roth IRA: How High Earners Can Still Contribute The Biggest Investing Lesson From Trump Accounts - Clark Howard Best 529 College Savings Plans By State All this and more on the August 25, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – pre-order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes:…

The latest financial data shows the U.S. savings rate has dropped to an alarming rate. While many households are struggling just to cover the basics, many middle and upper-middle-class families are falling into the lifestyle trap. Find out what the new rate is and what you should aim for instead. Also today, new commission structures for home buyer agents are proving problematic. Recent lawsuit settlements were supposed to make agent commissions more transparent and negotiable for home buyers. Instead, the law of unintended consequences has created a nightmare for consumers. If you are shopping for a home, know what to watch out for. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 24, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Automatic Saving Gets It Done: Segment 1 Ask Clark: Segment 2 Home Buyer Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: America’s Savings Rate Has Dropped to an Alarming…

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, many Americans are ordering medications from online websites and pharmacies, and a major player is being sued by the FTC. Online medical services promising quick prescriptions for sensitive conditions seem convenient, but they could be costing you more than money—they might be handing over your private health data. Clark discusses the broader boom of direct-to-consumer online doctor services and why you need to protect both your wallet and your privacy. All this and more on the August 21, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Online Med Sites: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a 403(b) and How Does It Work? - Clark Howard How Do I Use All the Funds on My Visa Gift Card? - Clark Howard Best Secured Credit Cards for 2026: Top Picks for Building or Repairing Credit BBB - Hims & Hers Inc. WSJ: FTC Sues Hims & Hers, Alleging Unlawful…

If you think winning the lottery is the only way to achieve financial independence, think again! The Financial Independence, Retire Early (FIRE) movement has shifted drastically over the years in the wake of inflation, rising housing costs, and healthcare challenges, but the core principle of FI is more relevant today than ever. Clark shares his own journey—including retiring at 31 and starting his first business by living on half his income—to show you how living on less than you make can buy you ultimate freedom. Also, are you really getting a discount, or are retailers just playing mind games? Clark exposes how major stores—especially in clothing and online marketplaces like Amazon—artificially inflate original prices just to mark them back down. Learn how to spot deceptive pricing tricks, use historic price-tracking tools, and resist psychological sales traps so you never get ripped off again. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 19,…

What History Really Says About All-Time Market Highs & Should You Move to a 55+ Community? With the S&P 500 continuously hitting new all-time highs in 2026, many investors are wondering if the market has moved too far, too fast. In this episode, Wes Moss dives into the history of market highs, explaining why record-breaking runs are actually far more common—and far less dangerous—than headlines suggest. Also, Wes tackles one of the biggest lifestyle decisions in retirement: deciding where to live. Maintaining a vibrant social circle gets harder as we age, but moving to an active 55+ community can provide the built-in social network, amenities, and lifestyle needed to thrive. Wes walks through a real-life case study of how to properly research, visit during peak seasons, and test-drive these neighborhoods before buying. Plus, he reveals a clever tax strategy for funding your next home without triggering a massive tax bill. Mentioned on the show: Should You Be Nervous About All-Time Market Highs? What History…

Finding an affordable rental was hard enough, but now landlords are taking a cue from hotels and airlines by hitting tenants with hidden junk fees. From mandatory charges for bundled trash pickup and overpriced cable to outrageous $200 monthly add-ons just for working from home, these unexpected fees inflate the cost of living. When apartment hunting, Clark urges us to check for this specific list before committing to a lease. Meanwhile, tap-to-pay remains one of the safest ways to shop using digital tokenization, but scammers have found a clever way to exploit your generosity. Fraudsters posing as street solicitors for fake charities are asking people to tap their phones to donate, only to take the device and quietly alter a $20 donation into a $200 charge. Clark shares what you need to know to protect your wallet. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 17, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark.…

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, to protect your young adult and give your family peace of mind, there are critical legal and financial forms every teenager should sign at age 18. Setting up these documents is simple, inexpensive, and essential for any family navigating the transition to adulthood. Taking a few minutes to put these protections in place today can save your family from unnecessary hardship when it matters most, as Clark explains. All this and more on the August 14, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Essential Signings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What's the Best Thermostat Setting for Summer To Save Money? 5 Major Bills You Can Lower This Month - Clark Howard Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet Are Extended Warranties Ever Worth It? - Clark Howard 3 Financial Documents Everyone Should Have by Age 18 What Do…

Apple device prices are soaring due to rising hardware costs, and their newest solution is to offer “forever leases” on iPhones, Macs, and iPads for a fixed monthly fee. While this subscription-style leasing model might make sense if you’re a tech enthusiast, it’s a dangerous financial trap for the average consumer. Before you fall for the low monthly sticker price—or get tied down by a carrier’s misleading "free phone" promotion—understand the long-term cost to your wallet. On the savings front, everyday savers have a prime opportunity now to lock in high returns before interest rates drop. If you have cash you won't need for 1 to 5 years, Certificates of Deposit (CDs) are one of the safest ways to beat inflation. Clark walks us through how to easily purchase broker-placed CDs through top discount brokerages or reputable online banks, why you should strictly avoid giant mega-banks that offer virtually zero interest, and how to protect yourself from the predatory "auto-rollover" trap that slashes your rates…

Is Your Retirement Missing Purpose? & Why You Shouldn’t Be Scared To Spend Your Retirement Savings Wes starts by looking at what ancient wisdom and modern research teach us about true fulfillment. As we leave the workforce, we often lose daily structure, active socialization, and full households all at once. To counter these major life headwinds, Wes discusses how planning your lifestyle goals even ten years out leads to significantly greater joy once you stop working. Also, Wes tackles the massive psychological barrier of spending down your hard-earned nest egg. Running out of money is the single biggest financial fear for most Americans. Wes shares the rule that offers an extremely high probability of success, giving you the confidence to stop worrying, start spending wisely, and enjoy the retirement you earned. Mentioned on the show: Cost of Living Calculator | City and Salary Comparison Tool Do You Really Need To Rebalance Your Portfolio? If You Have Enough To Retire Comfortably, Should You? Plus,…

Are you looking to break free from the time killing, mindless scrolling of phone addiction? Clark reviews the popular Brick Phone Lock—a $60 physical device paired with an app designed to lock you out of your most distracting apps. This tool might be a game-changer if phone addiction is actively hurting your productivity, work, and/or personal relationships. Also, a massive investigative report reveals how high-profile NFL players lost millions to a sophisticated e-commerce scheme using fake Shopify stores and manipulated earnings simulations. Clark breaks down how over $1 billion has been stolen from professional athletes—and what can be learned from it. Know how to spot the red flags, protect your hard-earned money, and avoid falling for the same trap—no matter who recommends the deal. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 10, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. STOP Scrolling: Segment 1 Ask…

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark has always considered himself an incurable romantic, and for years, his stance on prenuptial agreements was clear: signing one felt like writing a contract for failure before the marriage even began. But looking at the reality that over half of marriages end in divorce, he realized his emotional roadblock was shortchanging the people listening to his advice. All this and more on the August 7, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Clark Stinks: Segments 1 & 2 Prenuptial Agreements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What You Need To Do if Your Phone Gets Lost or Stolen Cheapest Way to Rent a Car: Expert Tips - Clark Howard Are AutoSlash and HotelSlash Legit? - Clark Howard Register Your Trip with STEP Why Clark Howard Changed His Mind About Prenups How To Save Money: Spend Less & Build Your Savings How to Shop for Lower…

More people are looking for ways to create their own job security. Clark shares two invaluable, free resources every aspiring entrepreneur should know about, and breaks down why the freedom of entrepreneurship remains one of the best ways to build lasting stability. Also, a critical look at the rise of AI-powered, cashierless grocery stores and automated micro-markets. Highlighting an outrageous story where Ford wrongly fired an employee over an automated market glitch, Clark addresses the dangerous gap between automated retail technology and human common sense. Know how to protect yourself with electronic receipts and tap-to-pay records, ensuring an automated mistake doesn't turn into a major headache for you. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 5, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Resources For Entrepreneurs: Segment 1 Ask Clark: Segment 2 Automated Check-Out: Segment 3 Ask Clark: Segment…

5 Questions BEFORE You Claim Social Security & College vs. Retirement Savings Should you claim Social Security early or wait? While the math says waiting guarantees a bigger check, the real answer goes far beyond the numbers. In this episode, Wes Moss breaks down how to determine the right Social Security claiming age for your specific lifestyle, health, and portfolio. Also, Wes shares ideas to help you balance saving for your kid’s college without ruining your own retirement. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 4, 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! Mentioned on the show: When Is the Best Time To Collect Social Security? - Clark Howard The Math On When You Break Even With Social Security If You Have Enough To Retire Comfortably, Should You? How To Balance College Savings and Retirement -…

As summer winds down, we’re seeing some wild shifts in the airline industry. Despite recent price hikes, a two-tiered economy in travel has created surprising opportunities for budget-conscious travelers. Clark breaks down why you need to sign up for frequent flyer programs right now, what you actually get (and lose) with new unbundled luxury fares, and where to find the best flight deals over the coming months. Also, your homeowners insurance company might feel like a "frenemy," but you can make them work for your wallet with a few simple DIY home upgrades. Learn how a weekend DIY project can protect your home, prevent costly disasters, and keep more money in your pocket every month! Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 3, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Air Travel Updates: Segment 1 Ask Clark: Segment 2 DIY Home Upgrades: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Score…

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, with real estate values skyrocketing past the rate of inflation, homeowners across the country are facing massive property tax hikes—and in some cases, people are literally being priced out of their homes. The core idea should be simple: no one should be forced out of their home due to runaway tax bills. You can appeal on your own, hire a specialized company, or bring in an attorney for larger commercial properties. The key is to act fast: pay close attention to your assessment, check the math, and fight for your money! All this and more on the July 31, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Clark Stinks: Segments 1 & 2 Property Tax Sticker Shock: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 10 Ways To Save on Prescription Drugs - Clark Howard Why Clark Howard Has Ditched Bill Pay and What He's Doing Instead When You Should (and…

The stock market is sitting at historical highs, but inflated valuations mean we could be facing a major correction or extended period of low returns. With leveraged funds adding dangerous fuel to this speculative fire, the risk of a sharp market shock is real. If you’re approaching or currently in retirement, now is the time to review your portfolio. On the consumer front, T-Mobile is turning its back on the customer-first culture that made it famous, forcing legacy subscribers off locked-in rates and hitting loyal users with continuous price increases. You don’t have to accept a bloated cell phone bill. By breaking up family plans based on actual usage, avoiding the "free iPhone" trap that locks you into expensive contracts, and exploring budget-friendly sub-brands that use the exact same towers, you can slash your monthly bill down to $10–$30 a line. Calculate your annual cell phone spend today—you might be shocked by how much you can save! Compare plans right now at clark.com/phoneplanfinder. Plus,…

What Are The Money Green Zones? & The Happy Retiree Super Power Are you flying blind when it comes to your retirement savings? Forget the terrifying headlines telling you that you need tens of millions of dollars to retire—that kind of advice often does more damage than good by making your goals feel completely out of reach. In this episode, Wes Moss breaks down brand-new research on what everyday Americans actually have saved and introduces three attainable, concrete "Money Green Zones" where happiness levels and financial autonomy jump dramatically. Plus, Wes reveals the ultimate superpower of happy retirees that has nothing to do with your bank account, and everything to do with your well-being. Mentioned on the show: Betterment Review: How It Works, Pros & Cons - Clark Howard Best Investment Companies for Investors in 2026 A Key Investing Lesson to Remember Right Now Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 28, 2026, Ask an Advisor episode of the…