Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Word to savers - beware chasing that rate! Trying to make more on savings is leading people to make dangerous choices from financial apps and pseudo banks making unfounded promises of no risk strategies for high returns & FDIC security. What you need to know to safely stash your cash.   


Clark Stinks: Segments 1 & 2

Stash Your Cash Wisely: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

Online Banking Archives - Clark Howard

T-Mobile Money: 5 Things To Know

Buy Nothing Project

Life Insurance Archives - Clark Howard

Consumer Cellular Review: 5 Things To Know Before You Sign Up

Mullen: Shaping the Road Ahead in Electric Automobiles

Google Fi Review: Things To Know Before You Sign Up

The Best International Phone Plans

What Is a 403(b) and How Does It Work?

Fidelity Investments Review 2022: Pros & Cons

Best 529 College Savings Plans By State

How To Open a Roth IRA


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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08.05.22   Clark Answers His Critics on Clark Stinks  /  SAVERS: Stash Your Cash Wisely

Labor shortages in larger airports have rendered security lines so unpredictable that people are missing flights. Clark explains how TSA PreCheck, Global Entry & Clear work, and how to get these services for free or discounted. Also - Clark discusses fake positive reviews and the recent Amazon crackdown. A new twist: Negative reviews used to extort merchants. Understand how much the review system is gamed for retailers, restaurants & hotels, and how to best use reviews. 

TSA PreCheck, Global Entry & Clear: Segment 1

Ask Clark: Segment 2

Online Review Extortion: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

The Best Credit Cards That Pay for TSA PreCheck and Global Entry

Capital One Venture Rewards Credit Card: Travel Credit Card Review

Best Travel Credit Cards: Top Rewards Picks for 2022

The Best Credit Cards With No Foreign Transaction Fees

How To Bring an Old Laptop Back to Life for Free

What the Carriers Are Doing About SIM Card Fraud & How to Stop It

Upside Review: 6 Things To Know Before You Sign Up

Fetch Rewards: 5 Things You Need To Know To Get Free Gift Cards

3 Things To Consider Before You Get Solar Panels

6 Things To Know Before Contacting the National Foundation for Credit Counseling

 
Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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08.04.22  Free TSA PreCheck, Global Entry & Clear  /  Online Reviews: 2 Pitfalls to Avoid

Do you know when you’re being played by sneaky product placement? Products are placed within the content of streamed TV shows and movies, and social media influencers are paid to recommend products. Know this is bought and paid for advertising - an indirect form of commercials. Also - A special warning about moving your retirement money when changing jobs. If you plan on rolling over a 401(k) into an IRA, knowing what Clark has to say about it can save you tens of thousands of dollars over time. 

Ad Awareness: Segment 1

Ask Clark: Segment 2

Retirement Rollover Warning: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

What Is a Reverse Mortgage and How Does It Work?

Clark's take on reverse mortgages

How Can a Safe Driving App Save You Money? - USAA

Betterment vs. Wealthfront: Which Robo-Advisor Is Best for You?

Best Investment Companies for Investors in 2022

CNBC: IRA rollovers often come with higher investment fees, Pew finds: Here’s how much money that costs retirement savers.

Clark.com 401(k) Rollover: How To Roll Over a 401(k)

How to Freeze Your Credit With Experian, Equifax and TransUnion

Why Clark Howard Thinks Medicare Advantage Plans Stink

 
Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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08.03.22   Ad Awareness  /  401(k) into IRA Rollover - WARNING

With so much economic uncertainty, should you ask for a raise to offset inflation? Dilemma: Employers are getting nervous about potential recession. So the decision to ask for a raise, to stay put or find a higher paying job is an individual assessment. Clark offers guidance to help you think this through. Also - As the Fed raises interest rates, there’s a direct effect 1 billing cycle later on your credit card rates. People have been charging more, leading to balances they can’t pay. A Clark assignment & some recommendations can help with credit card debt. 

Employment Dilemma: Segment 1

Ask Clark: Segment 2

Credit Card Debt: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

The #1 Thing Clark Howard Hates About Solar Panels

Clark.com - Credit Card Debt

Budgeting & Saving Archives - Clark Howard

How to Budget With a Cash Envelope System

REAL ID | Homeland Security

 
Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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08.02.22  Employment Dilemma: Asking For A Raise  /  Credit Card Debt Makes a Comeback

As the housing market cools, price cuts are happening around the country. A widespread buyers strike has set in. Many fear a housing market collapse as experienced 15 years ago. Clark explains why that won’t happen, and has recommendations for potential home buyers and renters. Also, a special warning about using self-checkout lanes.

HOUSING Update: Segment 1

Ask Clark: Segment 2

Special Warning: Self Check-out: Segment 3

Ask Clark: Segment 4

 
Mentioned on the show:

Mortgage Recast Definition - Investopedia

8 Things To Know Before Your First Trip to Aldi

The Points Guy - Maximize your travel.

These New Apps Can Help Maximize Credit Card Rewards

Best Travel Credit Cards: Top Rewards Picks for 2022

 
Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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08.01.22  HOUSING: Outlook and Recommendations  /  Self-Checkout Warning

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - The average vehicle loan now is over $700 a month. 1 in 8 loans exceed $1K! Meanwhile the repo rate is rising. Why lenders are more aggressive with repossessions now and the negative domino effect. Clark’s recommendation for avoiding financial car loan disaster. 


Clark Stinks: Segments 1 & 2

Of Car Loans & Repos: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

What Is a Roth 401(k) and How Does It Work?

Apple Credit Card Review: Earn Cash Back on Tech Purchases

Mint Mobile Review: 5 Things To Know Before You Sign Up

Family Phone Plans for 2+ Lines - Mint Modern Family Plan

Warning: Never Get Roadside Assistance From Your Insurance Provider

5 Things To Know About Series I Savings Bonds

Uni - One Toll Pass. 19 States.

 
Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


Learn more about your ad choices: megaphone.fm/adchoices
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07.29.22  Clark Answers His Critics on Clark Stinks  /  Crazy High Car Loan Payments

It’s unclear what will happen with gas prices moving forward, but prices have eased and the U.S. is leading the world in the production of energy. Clark explains the current energy market, why we see big price differences at the pumps, and saving strategies. Also - The odds are at least 50/50 we’ll have some degree of recession, as central banks worldwide work to slow economies to ease global inflation. Because capitalists hate uncertainty, some large companies have announced reduced hiring - but that’s a far cry from layoffs. Clark conveys 4  job sectors resilient against recession. 

Gas Prices: Segment 1

Ask Clark: Segment 2

Recession-proof Job Sectors: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

These Credit Cards Offer Car Rental Insurance Benefits

RentalCars.com

The 4 most 'recession-proof' industries to work in, according to economists

How To Open a Roth IRA

How to Start Investing and Saving for Retirement

Fidelity Investments Review 2022: Pros & Cons


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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07.28.22  GAS PRICES: An Update and Ways to Save  /  Recession-proof Job Sectors

Clark explains how Vanguard small investors got clobbered by big tax bills during a target retirement fund conversion, without even withdrawing money. Learn where to put your investments to avoid such tax hits. Also - Air travel is a flat out mess right now. Infrequent travelers are especially rattled. International travel is especially challenging. It’s taking extra days to reach destinations. As a constant traveler, Clark has several strategies to help protect your sanity during domestic & international flights and cruises.

Tax Smart Investing: Segment 1

Ask Clark: Segment 2

Strategies to Avoid Air Travel Nightmares: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

How To Open a Roth IRA

How to Start Investing and Saving for Retirement

SpaceX and Dish’s Super-Shady War for the World 

Travel Archives - Clark Howard

Eager to take advantage of the cheap euro? Check out which countries have COVID travel requirements first

Europe is on sale. Why the dollar-euro exchange rate is a win for Americans

The Best Credit Cards With No Foreign Transaction Fees


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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07.27.22   VANGUARD: Lesson From The Tax Bill Debacle  /   Air Travel Strategies

It’s back to the gym for many after a long absence, but home fitness equipment is a super deal right now. Clark points to the savings. Also - There’s a 1 in 10 chance there’s unclaimed money out there with your name on it. Clark explains how this happens, the third party pitfalls, and how to find it yourself for free. 

Home Fitness Equipment: Segment 1

Ask Clark: Segment 2

Missing Money: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

Clark Deals - Gym Equipment

Get Great Deals on Concerts, Pandora Music & More | T-Mobile

How To Find and Claim Missing Money in Your Name

What Is a Fiduciary Financial Advisor and Do I Need One?

Frequently Asked Questions on Gift Taxes


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


Learn more about your ad choices: megaphone.fm/adchoices
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07.26.22  DEAL: Home Fitness Equipment  /  Find Missing Money For Free

The economy has upended the best laid retirement plans of many Americans. So what do you do right now if you are in this situation? Clark discusses a reasonable compromise to help maintain financial security. Also - Every grocery dollar is basically buying 10% less these days - UNLESS you shop differently. Clark shares his base strategies, plus - looks at a cash back app that can help you save. 

Delaying Retirement: Segment 1

Ask Clark: Segment 2

SAVE on Groceries: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

What Is a 403(b) and How Does It Work?

What Are Index Funds?

5 Things To Know About Series I Savings Bonds

Major Tax-Reporting Change for Users of Venmo, PayPal and Others

8 Things To Know Before Your First Trip to Aldi

Ibotta Review: 4 Things To Know Before Earning Cash Back

SuperCook - Zero Waste Recipe Generator

Ask Clark: Should I Convert a Traditional IRA to a Roth IRA?


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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07.25.22   Delaying Retirement  /  SAVE on Groceries: Strategies Including A Cash Back App

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. AND - For those seeking hedge alternatives to the standard investment portfolio, Clark discusses REITs, Crypto, and specifically GOLD as a safe zone. Learn Clark’s recommendations for owning gold - how much - and if gold is even a real investment. 


Clark Stinks: Segments 1 & 2

Owning Gold: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

Alliant Cashback Visa® Signature Credit Card: Get 2.5% Cash Back on Everyday Purchases

Best Cash Back Credit Cards: Top Picks for 2022

What Is Disability Insurance and How Does It Work?

Chrome OS Flex

Is There a Safe Way To Invest in Real Estate?

What Clark Howard Thinks of ‘Crypto Winter’ After Big Crash

7 Gold ETFs With Low Costs

Clark Howard’s Advice on Buying Gold

Best 529 College Savings Plans By State

 
Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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07.22.22  Clark Answers His Critics on Clark Stinks  /  The Clark Smart Way to Own Gold

Clark discusses the impact of vehicle shortages & elevated costs including illegal repossessions & how to protect yourself from this, plus new ride sharing offerings. Also - Good Intentions don’t lead to results. Autopilot does. Clark makes the case for automatic saving & investing, especially for those without a 401(k). 

Vehicle Cost Pressures - Market Effects: Segment 1

Ask Clark: Segment 2

Automatic For The SAVINGS: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

CarMax Review: 5 Things To Know Before You Buy or Sell

Carvana Review: 5 Things To Know Before You Buy or Sell

Vroom Review: 5 Things To Know Before You Buy or Sell

Luggage Hero - Luggage Storage Near You

Checking monthly statements key defense against credit card hacks

How To Open a Roth IRA

What Are Index Funds?

What Is a Thrift Savings Plan?


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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07.21.22   Under Pressure: Effects of High Vehicle Costs  /  Automatic For The SAVINGS

New data illustrates how people are now stretched financially, trading down retail purchases while overall, credit card debt is up. Clark shares some back to basics measures for more mindful spending. Also, current dislocations have opened up a fast growing area of abuse in the trade and technical school funding arena. What to look for - and look out for - when considering training alternatives to college.

Inflation Shoppers: Segment 1

Ask Clark: Segment 2

Training Contract Warning: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

Should I Buy a Used Car, New Car or Lease Right Now?

Mint Review: 5 Things To Know About the Free Budgeting Tool

How to handle money when you're traveling overseas

The Best Credit Cards With No Foreign Transaction Fees

Don’t Get Dinged at the Gas Pump by New Visa and Mastercard Policies


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


Learn more about your ad choices: megaphone.fm/adchoices
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07.20.22   Inflation & Changing Buying Habits  /  Training Programs Pose A New Student Debt Hazard

With Buy Now Pay Later, aka Pay in 4, refunds are a problem, and now Apple Pay offers it. Clark’s warning about this payment method and how to protect yourself. Also - Over 100 million Americans are burdened with medical debt. Learn how this happened, how the hospital monopoly game is played - and what your options are to avoid being crushed by medical debt. 

Pay In 4 - New Warnings: Segment 1

Ask Clark: Segment 2

Avoid Medical Debt: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

Can You Use a Credit Card on Venmo?

7 Things To Know About the Venmo Credit Card

Best 529 College Savings Plans By State

What's the Best Setting for Your Thermostat During the Summer?

7 Easy Ways To Lower Your Heating Bill


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


Learn more about your ad choices: megaphone.fm/adchoices
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07.19.22   Buy Now Pay Later: New Warnings   /   Medical Debt

Labor shortages. reliability problems and high costs are plaguing travel this summer. But the cruise industry is seeing lower demand. Clark explains how you can get screaming deals on cruises and on certain air travel destinations. Also, over 20 million tax returns remain unprocessed. A beleaguered IRS and frustrated taxpayers - Clark recounts how we got in this awful mess and makes the case for a simplified tax code. 

Travel Deals: Segment 1

Ask Clark: Segment 2

IRS Delays: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

New Report: The 8 Best Cruise Lines for the Money

How To Use 'Vacations To Go' To Find Bargain Cruises

6 Steps To Getting the Best Car Rental Deal

AutoSlash Review: How to Save on a Rental Car

Follow Clark Howard's #1 Rule To Travel Cheap

Tello Mobile Review: 5 Things To Know Before You Sign Up

Tello: Build Your Own Plan

Takata recall grows by 3 million more faulty airbag inflators

How To Save and Invest the Clark Howard Way


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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07.18.22  There ARE Travel Deals This Summer  /   Fix The Tax Code

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   And - Many are trying to decide between renting or buying a home. It’s a true squeezeplay right now but new data sheds light on what might be the best decision. Plus, Clark provides the housing market outlook. 


Clark Stinks: Segments 1 & 2

HOUSING Outlook: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

Clark.com CELL PHONES

SoFi Credit Card Review: Earn 2% Cash Back

Platinum Card® from American Express Review 2022: Is It Worth It?

6 Steps To Getting the Best Car Rental Deal


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


Learn more about your ad choices: megaphone.fm/adchoices
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07.15.22  Clark Answers His Critics on Clark Stinks  /  HOUSING Outlook: The Rent Or Buy Decision

Add auto insurance increases to higher vehicle & gas prices. Collision rates and the cost of repairs are up too, factors creating a perfect storm of costs for auto insurers, in turn passed along to drivers. Hear 2 ways to lower your auto insurance premiums. Also this episode: Employers thought they’d order everyone back to office work last September. That flew out on the Delta variant. There are pros & cons to Work From Home but for most remote workers, the advantages win out. Management had best be flexible. The landscape has changed - permanently. 

Shop Auto Insurance: Segment 1

Ask Clark: Segment 2

WFH: A Generational Shift: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

Car Insurance Archives - Clark Howard

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

5 Sneaky Ways To Improve Your Credit Score

Investing & Retirement Archives - Clark Howard


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


Learn more about your ad choices: megaphone.fm/adchoices
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07.14.22  Auto Insurance Increases  /  WFH: A Generational Shift

Clark shares how he got started and the life lessons that motivated and inspired him to do  what he loves doing today - empowering others to live their best lives. Also - you may be throwing money away with your current cell phone provider. Verizon & AT&T have been raising rates while the cost of providing service is going down. Clark gives you the lay of the land, pointing to MINT Mobile & other affordable options, and new offerings ahead. Assignment: Check your plan and choose to SAVE. 

Clark BIO: Segment 1

Ask Clark: Segment 2

Cheaper Cell Phone Plans: Segment 3

Ask Clark: Segment 4

 
Mentioned on the show:

About Clark Howard

Mint Mobile Introduces Modern Family Plans


Best Cell Phone Plans - Mint Mobile Review - Visible Review


Vanguard Review 2022: Pros & Cons

Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best?


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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07.13.22    The Clark Origin Story   /   SAVE on Your Cell Phone Plan

There are ethical debt collectors, but also dirty players in the industry. Clark explains the crooked practice of refreshing the debt, and what your rights and responsibilities are. Also, no utility bills sound good? ‘Passive’ homes are ultra energy efficient, and there are initiatives that go a step beyond. People are building passive, self-powered homes with solar & batteries off the grid. We have options today, including home power from EVs. Decentralizing how we get power is great for the nation as well. 

DEBT: Statute of Limitations: Segment 1

Ask Clark: Segment 2

ENERGY: Off The Grid: Segment 3

Ask Clark: Segment 4


Mentioned on the show:

The Statutes of Limitations on Debt Collection by State

What Is a Good Credit Score?

Should I Pay Off My Mortgage Before I Retire?

About Clark Howard

How To Build Credit


The Kredit Syndicate (Tradelines, Credit Repair & Education) - NOT Recommended


ChexSystems - How To Prevent, Report and Repair Identity Theft



Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


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07.12.22   Debt Collection: Statute of Limitations  /  POWER: Off The Grid

The US construction industry has held on to archaic ways of building, failing to adapt better technology routinely used elsewhere in the world - until now. Clark discusses how prefabrication component building is better, faster & cheaper. Now is the time to reimagine how we build to improve durability and price points. Also, for the past decade, traditional life & annuity insurers have been selling off their policies to Wall St. The risk profiles are then held by private-equity. This creates new levels of uncertainty for consumers. If you get notification of this from your insurer, should you be worried? Clark has some new recommendations. 

Home Building Innovation: Segment 1

Ask Clark: Segment 2

Life Insurance & Private-Equity: Segment 3

Ask Clark: Segment 4

 
Mentioned on the show:

Frequently Asked Questions on Gift Taxes

Google Fi Review: Things To Know Before You Sign Up

The Best International Phone Plans

Explore Google Earth.

Google Maps’ new ‘Immersive View’ combines Street View with satellites

Life Insurance Archives - Clark Howard

Policyholder Information - NOLHGA.com


Indexed Universal Life Insurance (IUL) - Investopedia - NOT recommended

What Is an Annuity, and Why Does Clark Think They Stink?

What to Do if You Find an Old Stock Certificate


Clark.com resources

Episode transcripts

Clark.com daily money newsletter


Consumer Action Center Free Helpline: 636-492-5275


Learn more about your ad choices: megaphone.fm/adchoices
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The Clark Howard Podcast

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