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
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
05.27.26 Spotlight On Home Sellers / Paper Chase Account Security
Today - For home sellers, making sure your house is ready and appealing to buyers can mean you have to have a tough skin, but it can pay off. If you want your home to stand out in today's market, you have to nail the first impression. Clark breaks down how to stop turning buyers off and start getting offers. Also, Clark shares a terrifying cautionary tale that will make you think twice about choo
05.26.26 Ask An Advisor With Wes Moss
Forced To Retire Early? The Shocking Data Everyone Needs To Know & Market Warning for Investors
Why do most Americans retire years earlier than they planned? In this episode, Wes Moss breaks down a startling trend from recent 2026 retirement studies. While most workers plan to clock out around age 65 or 66, the data shows the average actual retirement age is 61 or 62. Wes explores the three major
05.22.26 Clark Answers His Critics on Clark Stinks / Life Saving Health Tracking
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, while many of us use fitness trackers to count steps or monitor sleep, the latest data shows some of these devices are evolving into genuine lifesavers. Clark has worn a Garmin for twenty years and a Samsung smartwatch, but the Oura Ring has truly impressed him and for good reas
05.20.26 Rules Of Travel: Rental Cars 101 & A Deal Destination
With Memorial Day weekend upon us, Clark shares important travel know-how. Navigating the rental car counter has become more like rocket science than a simple travel chore, but protecting your wallet starts with a few simple steps. With "car rental rage" on the rise due to surprise charges and poor service, it is critical to follow Clark’s timely rules. Also, if you’re looking for a domestic geta
05.19.26 Ask An Advisor With Wes Moss
10 Essential Duties of a Real Fiduciary Financial Advisor (It’s Not Just Investing)
If you think a financial advisor’s only job is to pick stocks, you’re missing out on the most valuable services a true fiduciary provides. In this episode, Wes Moss breaks down the ten essential roles a fee-only advisor should play. Whether you are engineering a retirement cash flow or navigating the emotional rol
05.18.26 Saving: Take It Up A Notch / Furniture Sales Traps
Recent financial statistics reveal something highly disturbing: The average American saves just 4% of their pay. Saving just four cents of every dollar earned is inadequate to provide long-term security and leaves the majority of the country living on the edge of a financial cliff. If you find yourself stuck in this cycle, it is time to embrace the "penny-at-a-time" strategy. Also, the upcoming M
05.15.26 Clark Answers His Critics on Clark Stinks / Key Homeowners Insurance Rule
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, a knock on your door from a roofer claiming they’ve spotted hail damage via drone might feel like a lucky break, but it’s often a trap. While the idea of getting a "free new roof" is tempting, filing small or questionable claims is an abuse the industry no longer tolerates. Clark
05.13.26 The True Cost Of 401(k) Loans / A New Era in Auto Sales
While Congress has made it easier than ever to access 401(k) funds through hardship withdrawals, this can be a dangerous trap for your future self. Losing out on decades of compounded interest has long-term consequences. Before you hit retirement savings to cover a financial bump, use the Team Clark 401(k) Loan Calculator to see the true cost of that withdrawal – it might just convince you to find
05.12.26 Ask An Advisor With Wes Moss
Clark Howard & Wes Moss: Your Top Money Questions Answered!
In this special episode, Clark Howard and Wes Moss join forces to answer real-world money questions from people just like you. No jargon, no fluff – just actionable advice to help you reach your goals faster.
Mentioned on the show:
Roth 401k Calculator - Clark Howard
Roth vs. Traditional 401(k): What's the Difference? - Clark
05.11.26 Real Estate Investing In Today’s Market / Job Market Update
In today’s real estate market, you can get burned trying to “flip” homes. The reality of today’s market means the math rarely works for the average investor. Clark explains when we’ll see a healthy environment for investment. Also - The job market is wide open for those willing to roll up their sleeves. Despite foreboding headlines warning of grim prospects for graduates, young people are finding
05.08.26 Clark Answers His Critics on Clark Stinks / Pay Off Your Mortgage or Invest?
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, deciding whether to throw extra cash at your mortgage or funnel it into the stock market is one of the most debated dilemmas in personal finance, especially now that nearly a quarter of homeowners are carrying rates at 6% or higher. While Clark despises debt and champions the psy
05.06.26 Negotiating Medical Bills / Use Gift Cards ASAP
Health care costs in America have reached a breaking point, with many being forced to drop costly medical insurance entirely. But whether you’re insured or paying out of pocket, you have more power than you think. Today, Clark discusses a key practice you can incorporate to help manage the high cost of health care. Also, we are currently in a period of intense retail instability. Clark explains h
05.05.26 Ask An Advisor With Wes Moss
What Will Our College Grads Do for Work? & Is the U.S. Dollar Dying?
In this episode, Wes Moss debunks two of the biggest myths in the economy right now. First, Wes looks at the actual data behind youth unemployment. Despite the rise of AI, the numbers for college grads aged 22–27 remain remarkably stable. Wes explains why the labor market is far more dynamic than the "net new jobs" headlines sug
05.04.26 Invitation To A SCAM / How To Handle Debt Collectors
There’s a new scam hitting inboxes that several of our team members admit would have fooled them. Digital thieves are sending fake party invitations that appear to be coming from your friends. After hacking into email contact lists, scammers send out deceptive invites to download viruses onto your device, giving them access to your financial accounts and private emails. Know what to do before clic
05.01.26 Clark Answers His Critics on Clark Stinks / Security Cameras - Privacy Backlash
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - While the widespread adoption of security cameras has revolutionized public safety, their application is spurring privacy debate throughout the country. The rules of engagement for our data are dangerously lacking. It's time to demand clear state and local laws that delin
04.29.26 Spring Financial To-Do List / This “Escape” Is Still a Money Trap
Now is a good time for some financial spring cleaning. Take a close look at your bank statements to identify any "subscription creep" draining your wallet. Clark shares a pro-tip to simplify tracking expenses so you know exactly where your money is going every month. Also, a timeshare by any other name — like "vacation plan" — is still a timeshare. And they have seen a massive resurgence. Big-name
04.28.26 Ask An Advisor With Wes Moss
Why Retirement Confidence Is Plunging & Fiduciary vs. Financial Advisor
Wes Moss breaks down a troubling shift in the American economy: the rapid decline of retirement confidence. Drawing on three decades of data from the Employee Benefit Research Institute (EBRI), Wes highlights a staggering trend where worker confidence has dropped in 2026. This pessimistic outlook is mirrored by the University
04.27.26 Why Millionaires Feel Broke / How To Spot 'Ghost Job' Scams
Many Americans reaching millionaire status still feel like they are standing on shaky financial ground. Clark explains the psychological and cultural traps that can keep high earners feeling insecure - and how the "bear preparing for winter" strategy can build financial confidence. Also, with all the job scams and ghost job listings out there now, how do you know an opportunity is real? Whether s
04.24.26 Clark Answers His Critics on Clark Stinks / PROM Pummels Purse!
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - it’s prom season, and so many kids and parents are breaking the bank to pay for it! Prom has officially turned into a high-pressure, "red-carpet" event driven more by social media likes than actual memories. Clark is here to tell you that you don't have to go into debt to
04.22.26 Couples & Money / Cruise Ship Retirement
Clark takes on the touchy subject of merging finances with a significant other. The transition from financial independence to shared responsibility requires planning and ongoing conversations. Clark warns that silence is the enemy of a healthy relationship. Also today, Clark revisits the popular dream of retiring on a cruise ship. While "living at sea" was once considered a brilliant financial hac
04.21.26 Ask An Advisor With Wes Moss
Why Successful People Struggle With Retirement & What’s Going On With the Economy?
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" th
04.20.26 Subscription-Free Security Cameras / Fast vs. Free Delivery
Security cameras can work well to help protect your home and safety. Clark references Consumer Reports and CNET reviews highlighting quality, DIY camera options that offer motion alerts and peace of mind without the recurring bill. Also today - Online purchases mean delivery decisions, amid offerings of ultra-fast delivery from Amazon and its e-commerce competitors. Clark warns that there is noth
04.17.26 Clark Answers His Critics on Clark Stinks / Booking Travel - New Guidance
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - the travel industry’s ongoing reaction to rising fuel costs calls for new guidance for booking travel. Clark reveals why he never starts his search on an airline’s website and how a simple shift in your booking psychology can save you hundreds.
Clark Stinks: Segments 1
04.15.26 Two Sides To AI In Real Estate / Study Abroad An A+ Move
The real estate market is traditionally at its height in the spring. This year, AI is factoring into home sales in two distinct ways. While AI slop infests listings, AI is improving the mortgage approval process. Know what to look out for as a homebuyer. Also, is studying abroad worth the cost? At a time when grads’ job prospects are jumbled by market upheaval, a new study shows that a semester o
04.14.26 Ask An Advisor With Wes Moss
How To Find (and Afford) Your Dream Home in Retirement
Deciding where to spend your retirement is one of the most significant transitions you’ll ever make, but it requires a systematic approach to get it right. Whether you plan to stay in your current home or relocate to a new destination, your environment directly impacts your long-term happiness. In this episode, Wes Moss shares tips to find –
04.13.26 Self-Storage Savvy / Heir Apparent: Plan & Preserve Your Estate
One in five Americans uses self-storage units. How do you avoid rip-offs in an industry long characterized by bait & switch tactics? Learn Clark’s strategies for avoiding such price hikes, and essential steps for protecting your belongings. Also, you may have seen the news stories about the late Jimmy Buffet’s family doing battle over his estate. Believe it or not, this type of situation is not th
04.10.26 Clark Answers His Critics on Clark Stinks / Scammers Going For Broke
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Scam artists are getting more sophisticated and they’re targeting your retirement funds. Clark explains this digital crime wave and how fraudsters are using sophisticated tools & tricks to get into your accounts. The first step in protecting your money is being aware of som
04.08.26 Booking Rules Of Travel / Cell Phone Bans
Today - if you’ve been planning summer travel, you may have sticker shock from hotel & airfare costs. Travel inflation is real, so it pays to know Clark’s "Golden Rules" for booking to ensure you don't overpay. Also, Clark discusses the growing movement to ban cell phones in schools, restaurants, and concert venues. Some businesses and artists are jumping on the cell phone BAN-wagon.
Flight
04.07.26 Ask An Advisor With Wes Moss
Young Investors Are Taking Big Risks & Costly Pension Mistake
Are you feeling financially behind? You aren’t alone. Wes Moss reveals that a staggering 73% of Americans feel like they are losing the financial race — and why the "solution" many are turning to is actually a dangerous trap. Wes explains how to leverage your greatest asset to build real, lasting wealth through patient accumulation. Al
04.06.26 How To Invest for $0 / AI in Healthcare
Investing has never been cheaper - or more expensive - depending on where you choose to grow your money. What to know to be a Clark Smart investor. Also - Should you use ChatGPT Health? While AI is revolutionizing medical research and helping patients find specialized care - this all comes with a warning.
Investing Expenses: Segment 1
Ask Clark: Segment 2
AI & Health Monitoring : Segm
04.03.26 Clark Answers His Critics on Clark Stinks / Protect Your Phone & Accounts
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - security risks keep morphing via phone and/or account takeover attempts. Clark covers a specific threat targeting iPhone users and the simple fix, plus - the next generation of online security – Passkeys.
Clark Stinks: Segments 1 & 2
Prevent Hackers: Segment 3
As
04.01.26 Adjustable Rate Mortgages - A Waning / High Deductible Health Plans
Adjustable-rate mortgages (ARMs) are booming again, but Clark has a major warning: this "oldie but baddy" could be a financial time bomb. Clark breaks down why banks are pushing ARMs, who they actually work for (a narrow group indeed), and the "reset" risk that could cost you your home. Also, health insurance has become insanely expensive. Many Americans are skipping meals just to pay for healthca
03.31.26 Ask An Advisor With Wes Moss
The Hack That Turns Trump Accounts Into $3M Nest Eggs & Retire Sooner Method vs. FIRE
Wes Moss breaks down a powerful financial "hack" involving the new Trump Accounts that could change the trajectory of your family’s wealth forever. By shifting the conversation to a "Year 0" savings plan, parents and grandparents can use these accounts to kickstart a child's financial life from the day they are
03.30.26 The Credit Bureaus: Errors & Apathy / Sticker Shock: New Smart Phones
It’s always been important to monitor your credit reports, and now - more so. The number of inaccuracy complaints is up dramatically, and such mistakes can impede your ability to buy a home, get a car, or even land a job. Clark shares the latest research on how the bureaus are responding (or not) and offers direction for dealing with credit report errors. Also - Pressures in the chip industry have
03.27.26 Clark Answers His Critics on Clark Stinks / Avoid Two Costly 401(k) Mistakes
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - the American 401(k) is a tale of two economies. While the average balance grew by a staggering amount in 2025, more workers than ever are "raiding" their accounts to cover short-term needs. Our “Man From Roth” explains the best approach for maximizing your retirement invest
03.25.26 Home Insurance Spy Drones / K-Economy Price Patterns
Think your home is private? Think again. Clark discusses the rise of insurance companies using drones, satellite data & AI to inspect property – and make replacement demands based on what could be bad data. Also today - Retailers are responding to today’s marketplace with different prices for different customers. Companies of all types are targeting two extremes: the big spenders and the budget-co
03.24.26 Clark + Wes: Investing During Global Conflict & Sneaky Risks of Private Credit
Clark + Wes: Investing During Global Conflict & Sneaky Risks of Private Credit
Is the conflict in the Middle East about to tank your investments? Money experts Clark Howard and Wes Moss sit down for a special "Ask an Advisor" segment to discuss oil prices, the economy, travel price predictions, and most importantly, what to do when the state of the world is making you nervous about your investmen
03.23.26 SAVE MORE On Gasoline And Printer Ink
There are ways to combat the runup in gas prices right now. Clark shares a smart strategy to help stretch your gas money, and explains why used EVs are a bargain for the right driver. Also, are you tired of being ripped off by printer ink? Clark breaks down the "cheap printer, expensive ink" trap and reveals smarter ways to save.
SPEND LESS On Gasoline: Segment 1
Ask Clark: Segment 2
Avo
03.20.26 Clark Answers His Critics on Clark Stinks / Airfare Booking Strategy
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Is booking travel a smart idea right now? Airfares are surging with the price of jet fuel since hostilities began. Clark shares smart strategies to help you book for less.
Clark Stinks: Segments 1 & 2
Flight Booking Strategy: Segment 3
Ask Clark: Segment 4
Ment
03.18.26 Where NOT To Invest - NEVER EVER / The Grandparent Trap
Today - Clark takes aim at the "monster mega banks" and explains why they are often the worst place for your investment dollars. Major banks are rebranding branches to capture more consumer assets, yet these institutions often lack a fiduciary duty to their clients. You’ve got lower-cost alternatives to help you get ahead. Also, Clark shares an important message for grandparents or anyone who lo
03.17.23 Ask An Advisor With Wes Moss
How Oil Price Shocks Impact the Market & AI Isn’t Killing Jobs—It’s Burning Us Out
As we face one of the largest oil supply disruptions in history, Wes Moss explores how geopolitical shocks in the Middle East impact your wallet and the stock market, while reinforcing why long-term longevity beats market timing every time. Also, a new crisis is emerging in the workplace – AI-driven burnout. Contra
03.16.26 Best Auto Insurers / Discounters Go Wide
Finally profitable again, the auto insurance industry has developed a renewed sense of competition for customers. Clark shares guidelines for finding companies big on customer service and value. Also, Americans are saving big bucks through “no spending” trends, and switching retailers. Thrift-centered businesses like Goodwill and Dollar Tree are thriving across all demographics. Clark admits he
03.13.26 Clark Answers His Critics on Clark Stinks / FREE Tuition
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - as college costs level off due to a competitive marketplace, more institutions are finding creative ways to attract students – including offering tuition-free degrees. Clark shares resources to help you find these opportunities!
Clark Stinks: Segments 1 & 2
Free Tui
03.11.26 Retirees Returning to Work / Medical Privacy Warning
Today - The growing "unretirement" trend reveals that nearly half of retirees who return to the workforce do so out of financial necessity rather than choice. Clark shares several considerations and strategies for retirement planning. Later - you may have seen ads for online memberships for medical tests that will give you insights into your health. But will your information be protected? How impo
03.10.26 Ask An Advisor With Wes Moss
Should You Dump U.S. Stocks for International? & Top Retirement Number To Watch in 2026
With international stocks outperforming the S&P 500 recently, many investors are asking the same question: Is it time to pivot overseas? Before you overhaul your portfolio, learn why you might already have more international exposure than you think. Also, Wes revisits the most important metric for your financi
03.09.26 SAVE MORE On Groceries / NEW Airline Credit Card Advice
In today’s episode - We all have to buy groceries. So how do you find big savings? Clark has hard data on where the cheapest supermarket prices can be found. Also - Rising baggage fees are changing the math on airline cards. Clark shares an update and new recommendations for travel credit cards.
SAVE MORE On Groceries: Segment 1
Ask Clark: Segment 2
Update: Airline Credit Cards: Segment
03.06.26 Clark Answers His Critics on Clark Stinks / Renovation Reprise
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - if you have been considering doing a renovation or adding an ADU to your home - is now the right time? There’s been a general shift in the market.
Clark Stinks: Segments 1 & 2
Home Improvement: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
What I
03.04.26 How Interest Rates Are Set / Name Brand Foods Cut Prices
Today, Clark explains the confusion around how various interest rates are set, from savings & CDs, to credit cards and car loans. He explores the "K-shaped" economy, where a flood of cash into savings and CDs drives down returns – even at online banks, and how the "convenience trap" can cost consumers thousands on all kinds of loans. Also, good news at the grocery store: the "store brand revolutio
03.03.2026 Ask An Advisor With Wes Moss
Lump Sum Investing vs. Dollar-Cost Averaging & Is It Ever Too Late To Save for Retirement?
Wes Moss tackles one of the most paralyzing questions in finance: should you "cannonball" into the market or wade in slowly? While historical data shows that one method wins about two-thirds of the time, Wes explains why participation will always trump perfection.
Also, a sobering new study claims the ave
03.02.26 Buy Now, Pay Later aka Pay-In-4 / Ask Your Pharmacist
Today - Nearly every purchase we make offers the “opportunity” to pay over time. Why Clark seriously despises Pay-In-4. Also, Clark addresses the worsening doctor shortage and a related profession that can help fill the gap.
The Pay-In-4 Trap: Segment 1
Ask Clark: Segment 2
Ask Your Pharmacist: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Buy Now, Pay Later: A Helpful
02.27.26 Clark Answers His Critics on Clark Stinks / Exposed: Tiny Hotel Rooms Sacrifice Privacy
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - In newer limited service hotels, rooms have gotten much smaller - at the expense of privacy. Clark explains the trend and the criteria he checks before booking.
Clark Stinks: Segments 1 & 2
Micro Hotel Rooms & Privacy: Segment 3
Ask Clark: Segment 4
Mentioned o
02.25.26 Buying & Selling Gold / Why Simple Appliances Win
The frenzy surrounding gold and silver has dominated recent financial headlines. Clark explains the role of these commodities as hedges vs. investments and discusses how much (or little) you should own, and the best way to buy & sell. Also today - do big price tags equal great quality when it comes to appliances? Clark breaks down why "designer" features often mean more points of failure and why
02.24.26 Ask An Advisor With Wes Moss
Steak Night Sticker Shock & Is a Market Correction Coming?
Beef and steak prices are soaring. But beyond the grocery store and date night, it’s costing you more than you think, as Wes Moss explains. Also, Wes also address the psychological "twinge" investors feel when the stock market hits new all-time highs. What should investors do in 2026? While it’s tempting to think an all-time high is a sig
02.23.26 Invested Savings: ETFs vs. Mutual Funds / The Truth About Pet Wellness Plans
How you invest savings can make a big difference in how much you have later in life. Clark explains ETFs (Exchange-Traded Funds) vs. mutual funds - and the superior choice for your non-retirement accounts. Also, we love our pets and pet wellness plans may sound like a solid option for affordable vet care – but there’s a major catch.
ETFs vs Mutual Funds: Segment 1
Ask Clark: Segment 2
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02.20.26 Clark Answers His Critics on Clark Stinks / Crypto - A Different Perspective
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - with the recent Bitcoin slide costing people millions, and concerns of a possible “crypto winter”, Clark shares his perspective on Crypto and guidance for those interested in this still speculative endeavor.
Clark Stinks: Segments 1 & 2
Clark On Crypto: Segment 3
02.18.26 Relocating Overseas / Debt Trap Exit Strategies
FEBRUARY 18 Relocating Overseas / Debt Trap Exit Strategies
Some of you listening right now may be living abroad, temporarily or indefinitely. There is an increasing desire to experience life overseas, and some countries are paving the way. Clark discusses relocation incentive programs and other considerations vital to the life changing decision to move abroad. Also - if you have credit
02.17.26 Ask An Advisor With Wes Moss
Should You Use Your “Sacred” Retirement Fund To Save Your Business? & 2026 Jobs Outlook
As rapid technological shifts ripple through every industry, many entrepreneurs are finding themselves in a temporary cash flow crunch. While retirement accounts are often viewed as a "sacred chest" that shouldn't be touched, Wes Moss explores how to strategically leverage your brokerage and Roth IRA accounts
02.16.26 Your Relationship With Money / Self-Employed Retirement Planning
You may be examining your spending habits this year, looking to set goals to improve your financial health. Clark discusses how your money mindset will affect your future in a big way. Are you spending your way into debt misery, or saving your way to frugality regret? Clark invokes finding a healthy balance between discipline and enjoyment. Also - A great way for the self-employed to save tax free
02.13.26 Clark Answers His Critics on Clark Stinks / Job Market Update
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Amid the steady parade of layoff announcements Clark offers some perspective on today’s job market, a prediction for the spring hiring season, and strategy for moving forward.
Clark Stinks: Segments 1 & 2
Job Market Prediction: Segment 3
Ask Clark: Segment 4
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