The Clark Howard Podcast
Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings.
Episodes
10.14.26 SPEND LESS On Medical Expenses and When Shopping Online
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
10.13.26 Ask An Advisor With Wes Moss
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 Deduct
10.12.26 Gas Prices & Vehicle Choice / Is Price Tech Stalking You?
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 rumo
10.09.26 Clark Answers His Critics on Clark Stinks / Home Monitoring Tech
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
10.07.26 Interest Rates: Both Sides Of The Coin
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
10.06.26 Ask An Advisor With Wes Moss
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 ev
10.05.26 DIYing to SPEND LESS / Steel Your Heart Against ROMANCE SCAMS
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 i
10.02.26 Clark Answers His Critics on Clark Stinks / Health Insurance Sticker Shock
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
09.30.26 Financial Scam Prevention / Travel Updates
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 u
09.29.26 Ask An Advisor With Wes Moss
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 th
09.28.26 TIPS Vs Bonds / How To Protect Your Social Security Now
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
09.25.26 Clark Answers His Critics on Clark Stinks / Price Drop: Athletic Shoes
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 d
09.23.26 How To Shop Home Internet / College Savings Strategies
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, wit
09.22.26 Ask An Advisor With Wes Moss
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.
A
09.21.26 HELOCked Into A Debt Trap / New Vehicles Under $40,000
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
09.18.26 Clark Answers His Critics on Clark Stinks / AI Baby Monitors?
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 metri
09.16.26 Auto Insurance Warning / Social Media Scam Ads
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. Clar
09.15.26 Ask An Advisor With Wes Moss
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 a
09.14.26 Home Security Cams / StubHub’s Ticket To A Reckoning
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 ticke
09.11.26 Clark Answers His Critics on Clark Stinks / Data Centers
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 t
09.10.26 Ask An Advisor With Wes Moss
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 UT
09.09.26 Price Versus Quality / Healthcare, Retirement & Job Lock
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 r
09.08.26 Ask An Advisor With Wes Moss
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 hap
09.04.26 Clark Answers His Critics on Clark Stinks / Clark & Wes Talk Retirement
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 Ho
09.02.26 Timeshare Trap / Shopping Amazon A Better Way
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?
09.01.26 Ask An Advisor With Wes Moss
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
08.31.26 Shopping Healthcare / Dealing With Debt Collection
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
08.28.26 Clark Answers His Critics on Clark Stinks / AI & The Tech Effect On Employment
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 t
08.26.26 Food Tossed Is Money Lost / Couples Currency: Best Practices
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
08.25.26 Ask An Advisor With Wes Moss
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.
Mentione
08.24.26 The U.S. Savings Rate / Home Buyer Warning
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 law
08.21.26 Clark Answers His Critics on Clark Stinks / WARNING: Online Medical Services
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
08.19.26 The FIRE Movement Today / Pricing Mind Games
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 start
08.18.26 Ask An Advisor With Wes Moss
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
08.17.26 Renters Face New Junk Fees / Tap-To-Pay Scam Warning
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
08-14-26 Clark Answers His Critics on Clark Stinks / Essential Documents
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 adultho
08.12.26 One Bad Apple Deal / CDs: Opportunity And Method
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
08-11-26 Ask An Advisor With Wes Moss
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 ev
08.10.26 Breaking Phone Addiction / Know The Affinity Fraud Trap
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
08.07.26 Clark Answers His Critics on Clark Stinks / Promises And Prenups
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 divorc
08.05.26 Starting A Small Business / Automated Check-Out Warning
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
08.04.26 Ask An Advisor With Wes Moss
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
08.03.26 Air Travel Update / DIY Home Upgrades
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
07.31.26 Clark Answers His Critics on Clark Stinks / Property Taxes
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 h
07.29.26 Investor Alert: Correction Protection / T-Mobile T-Bones Your Wallet
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 it
07.28.26 Ask An Advisor With Wes Moss
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 everyda
07.27.26 Elder-Parent Care / HOA & Condo Fees
It’s the toughest role reversal we face in life: stepping in to manage aging parents' finances. As parents get older, it’s common for physical health to take priority while finances take a back seat. Clark breaks down the vital lessons on elder-parent care. Waiting until a crisis or a parent's passing to look for wills, passwords, and bank accounts guarantees chaos later.
Also, Clark tackl
07.24.26 Clark Answers His Critics on Clark Stinks / AI Shopping Bots
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, many of us are getting more comfortable using artificial intelligence in our daily lives. While AI can be an incredibly useful tool, a dangerous new trend is emerging that could cost you serious money: AI shopping bots. Before you let an AI bot handle your wallet, you
07.22.26 Electronics: Repair Or Replace? / Buying Insurance
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
07.21.26 Ask An Advisor With Wes Moss
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
07-20-2026 WFH Is Reshaping Employment / Health Insurance Costs
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 healt
07.17.26 Clark Answers His Critics on Clark Stinks / Your Car’s Longevity
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 ma
07.15.26 Clark Discredits a Long-Held Credit Card Myth / SCAM WARNINGS
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 t
07.14.26 Ask An Advisor With Wes Moss
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 frien
07.13.26 How Much $ Is In Your Payment App? / Weddings: Less Is More Forever
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
07.10.26 Clark Answers His Critics on Clark Stinks / Social InSecurity
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 con
07.08.26 The Clark Smart Way To Buy A Mattress / Student Loan Update
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 reve
07.07.26 Ask An Advisor With Wes Moss - Best Of
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 gener
07.06.26 Shining A UV Light On Sunscreens / Side Hustle Savvy
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 mode
07.03.26 BEST OF: Clark Answers His Critics on Clark Stinks / FREE Tuition
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 studen
07.01.26 Clark Smart Franchising / Pharmacy Options For Rx Savings
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 y
06.30.26 Ask An Advisor With Wes Moss
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 gr
06.29.26 Travel Booking Basics / Online Shopping: Spotlight On Dark Patterns
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 shoulde
06.26.26 Clark Answers His Critics on Clark Stinks / Appeal Insurance Denials
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 patie
06.24.26 An Education In Change / Should You Purchase A Warranty - Ever?
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 m
06.23.26 Ask An Advisor With Wes Moss & Clark
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 ho
06.22.26 The Competition Customer Advantage: Supermarkets and Phone Plans
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 everyd
06.19.26 Clark Answers His Critics on Clark Stinks / Subscription Management
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 hi
06.17.26 Let’s Channel Your Inner Millionaire / Reluctant Landlords
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 indepe
06.16.26 Ask An Advisor With Wes Moss
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
06.15.26 Flying - In The Face Of Change / Warning For First Time Home Buyers
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
06.12.26 Clark Answers His Critics on Clark Stinks / “Spaving” Your Way To An Empty Wallet
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
06.10.26 Automatic Retirement Accounts / Inflation Calculation
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
06.09.26 Ask An Advisor With Wes Moss
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
06.08.26 Cut Insurance Costs / Phone Free Connection
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
06.05.26 Clark Answers His Critics on Clark Stinks / Rent: Tenant Power
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
06.03.26 Enter Entrepreneurs / Facts On Finding Unclaimed Funds
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 sid
06.02.26 Ask An Advisor With Wes Moss
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 wonderi
06.01.26 WARNINGS: AI Privacy Risk & Ponzi Schemes Net Millions
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
05.29.26 Clark Answers His Critics on Clark Stinks / Driving To Your Future
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. Th
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