The Clark Howard Podcast

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 Ask Clark: Segment 4 Mentioned on the show: Buy Now, Pay Later: A Helpful Tool or a Debt Trap? - Clark Howard Roth IRA Withdrawal Rules What Is a Credit Union? - Clark Howard Why Clark Howard Thinks You Need a Digital Passport Best Free Password Managers: 10 Top Picks - Clark Howard New Ways to Keep Your Online Accounts Safe Military and Veterans Guide: Free Resources for Your Finances Charitable Contributions Deduction: What It Is and How It Works Understanding Donor-Advised Funds: Pros and Cons Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 healthcare. Clark discusses why catastrophic-only plans are a dangerous gamble and identifies the real culprit behind our skyrocketing medical bills. Danger: Adjustable Rate Mortgages: Segment 1 Ask Clark: Segment 2 High Deductible Health Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Adjustable-Rate Mortgages Are Popular Again – Here’s Why You Need To Be Careful NYTimes: A Third of Americans Have Cut Spending or Borrowed Money for Health Care NYTimes: New A.C.A. Plans Could Increase Family Deductibles to $31,000 What Is an HSA Account and How Does It Work? - Clark Howard How to Deal With Medical Debt - Clark Howard Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 born. It’s a dramatic shift in how we think about retirement, proving that the one thing we can truly control is the amount of time we allow our money to grow. Also, Wes tackles the growing divide between the "Retire Sooner" method and the popular FIRE (Financial Independence, Retire Early) movement, which over half of Gen Z now claims to follow. While the FIRE movement often requires hyper-lean budgeting, high savings percentages, and extreme deprivation to retire by 40, Wes argues for a more realistic and sustainable approach. Plus, Mallory shares your #AskWes questions and Wes gives his take. All this and more on the March 31, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. Note: Christa will be back on Ask an Advisor next week! We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 led to shortages and higher costs for smart phones. Should you upgrade now or wait? Credit Bureau Errors: Segment 1 Ask Clark: Segment 2 The Price Of New Cell Phones: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Report: Worst Credit Bureau for Resolving Errors (and How To Fight Back) Experian and TransUnion Are Leaving More Mistakes on Credit Reports — ProPublica Why You Need To Check Your Credit Report Today - Clark Howard What Is a Good Credit Score? - Clark Howard Clark Deals: Cell Phones & Smartphones Archives 5 Tax Scams You Need To Watch Out for in 2026 - Clark Howard What's the Best Savings Account for a Teenager? - Clark Howard What Brokerage Do You Recommend for First-Time Investors or Kids? Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 investments, while minimizing future taxation. Clark Stinks: Segments 1 & 2 401(k) Guidance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Deals - Today's Best Deals of the Day 5 Best Grocery Delivery Services - Clark Howard My 7 Rules for Using Credit Cards - Clark Howard Best Place To Sell Your Gold What You Need To Know About the Fidelity Cash Management Account 5 Money Tips To Know Before You Travel Abroad - Clark Howard 10 Common Job Search Scams - Clark Howard How to Get a Mortgage in 8 Steps - Clark Howard Why Clark Howard Is Obsessed With Roth for Retirement Savings What the Credit Card Companies Don't Want You To Know Automatic Bill Pay: How It Works and How To Do It Safely Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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-conscious. Clark explains how to navigate these "price buckets" to make sure you aren't overpaying. Home Insurance Spy Tech: Segment 1 Ask Clark: Segment 2 K-Economy Pricing Patterns: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The US Sun: Homeowner hit with $20k bill after State Farm secretly inspected roof by drone Homeowners Insurance Archives - Clark Howard What Is an ABLE Account? - Clark Howard Subscription Services: Why Canceling Is So Hard (and a Solution) BBB-File a Complaint AT&T rolls out new pricing YouTube TV drops 12 new offers to retain subscribers - TheStreet Best Credit Card Sign-up Bonuses Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 investments. In the second half, Clark and Wes explain the difference between private equity & private credit, and share a major warning about private credit. They break down why "12% yields" are often a trap and how to protect your portfolio from the latest "story investments." Mentioned on the show: What Happens to the Stock Market When Oil Prices Spike? What To Do When the State of the World Is Making You Nervous About Your Investments Investing Rule: You Can't Predict (So Stop Trying) - Clark Howard How Psychology Can Make or Break Your Portfolio How To Find and Choose a Financial Advisor / Best Financial Advisors All this and more on the March 24, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

There 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 Avoid Printer Ink Rip-Offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's 'Half-Tank' Strategy To Save on Gas How To Save Money on Gas: 23 Ways - Clark Howard How long do electric vehicle batteries actually last? BYD just killed your EV argument with a battery that competes with gas engines The Best Car-Buying Services - Clark Howard Report: Best Used Cars for the Money - Clark Howard 6 Things To Know Before You Buy Gas at Costco Wholesale Where To Buy the Best Cheap Printer - Clark Howard Best Term Life Insurance Companies, Plans & Coverage How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard National Academy of Elder Law Attorneys Home NAELA Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Mentioned on the show: How To Find Tuition-Free Colleges: Schools That Offer Free Tuition Capital One Venture X Rewards Credit Card: 6 Things To Know How To Get a Gym Membership for Practically Free - Clark Howard How To Find the Best Deal on Cheap Internet Service in 4 Steps Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet The American Community Survey: Is It Legitimate and Do You Have To Answer? 4 Ways To Fight Sky-High Airfares This Summer How the Iran war is disrupting air travel -- and advice if you're planning a trip Travelers stranded by war learn insurance won't cover flight cancellations Travel Insurance: What You Need To Know Before You Buy Cancel for Any Reason Trip Insurance: Should You Buy It? Warning: Do NOT Trust Hotel Brand Names - Clark Howard BBB-File a Complaint How to avoid scams while applying for ESTA Get an electronic travel authorisation (ETA) to visit the UK Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 loves and cares about a grandparent - a heartfelt reminder to protect those who have spent a lifetime building their savings, from going broke in their later years. Where NOT To Invest: Segment 1 Ask Clark: Segment 2 For Grandparents: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 3 Places You Should Never Invest Your Money - Clark Howard How To Find and Choose a Financial Advisor / Best Financial Advisors What You Need To Know About the Vanguard Cash Plus Account What You Need To Know About the Fidelity Cash Management Account Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab How To Open a Roth IRA Zillow - Prepare for your first home with confidence How Much Does It Cost to Be a Grandparent? Why Clark Howard Refuses To Rent a Car From Hertz How Long Should I Save Pictures of My Car Rental? - Clark Howard Why You Should Never Prepay for a Rental Car - Clark Howard 5 Things You Should Re-Shop To Save Money - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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. Contrary to fears of job loss, recent data across 443 million work hours suggests that AI tools are actually expanding our workdays and increasing weekend labor. Wes discusses why the real risk of the tech revolution isn't a lack of work, but rather the challenge of balancing an "always-on" culture where every task is now achievable. Mentioned on the show: Do You Really Need To Rebalance Your Portfolio? Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 17, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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 was wrong about Dollar Tree’s decision to move past its signature $1 price point, explaining how the transition to a multi-price range has elevated the brand across the country. Best Auto Insurers: Segment 1 Ask Clark: Segment 2 Discounters Thriving: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Auto Insurance Companies - Clark Howard Report: These 10 Vehicles Are the Best for the Money in 2026 New York Post: Dollar Tree is invading posh neighborhoods after years of catering to low-income customers— breaking ‘stigma of the dollar store’ Best Term Life Insurance Companies, Plans & Coverage How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard What Is a Credit Union? - Clark Howard 16 of the Best High-Yield Online Savings Accounts in March 2026 Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - as college costs level off due to a competitive marketplace, more institutions are finding creative ways to attract students – including offering tuition-free degrees. Clark shares resources to help you find these opportunities! Clark Stinks: Segments 1 & 2 Free Tuition: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them) Rent vs Buy Calculator - Clark Howard Fidelity Rewards Visa vs. Schwab Investor Card® from American Express: Which Is Best? Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab How to get out of a cable or internet contract without paying a penalty Subscription Services: Why Canceling Is So Hard (and a Solution) Where Should I Set Up My Health Savings Account (HSA)? ETFs vs Mutual Funds: What’s the Difference and When Does It Matter? Optimizing HSA Transfers for Long-Term Growth [W Post] More colleges are offering free tuition. Explore our database. Colleges Offering Free Tuition by Income (2026) Which Colleges Offer Free Tuition? Full List Of Schools How To Find Tuition-Free Colleges: Schools That Offer Free Tuition Where To Take Free Online Courses - Clark Howard Best 529 College Savings Plans By State⁠ When You Should (and Shouldn’t) Use a 529 Plan Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 important is medical privacy to your financial life? Because federal and state laws are often silent on these specific privacy standards, Clark suggests a unique, cautious approach. Unretirement: Segment 1 Ask Clark: Segment 2 Medical Privacy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Retirement on Pause: High Costs Push Older Americans Back to Work Age Americans Actually Retire (It’s Earlier Than They Plan) How To Find and Choose a Financial Advisor ETFs vs Mutual Funds: What’s the Difference and When Does It Matter? Fidelity Investments Review: Pros & Cons Popular online lab tests may not be covered by HIPAA protections Subscription Services: Why Canceling Is So Hard (and a Solution) How To Get a Gym Membership for Practically Free - Clark Howard Why You Do Not Want To Get a Big Tax Refund Check - Clark Howard Best 529 College Savings Plans By State When You Should (and Shouldn’t) Use a 529 Plan Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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 financial peace of mind in 2026: The Rich Ratio. Retirement isn't about the total size of your nest egg; it’s about the "margin" between what you have and what you need. We explain how to calculate your ratio in under 60 seconds and why "financial richness" is often achieved more quickly by lowering your "needs"—specifically by tackling "big rocks" like your mortgage. Whether your ratio is currently above or below 1.0, this simple math will provide a clear roadmap for your retirement security. Mentioned on the show: A Better Way To Think About Your Net Worth Backdoor Roth IRA: How High Earners Can Still Contribute Are You Richer Than You Think? Your "Rich Ratio" Could Tell You Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 10, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments!Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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 3 Ask Clark: Segment 4 Mentioned on the show: ⁠6 Grocery Stores Cheaper Than Walmart Consumer Reports - Most and Least Expensive Supermarkets⁠ ⁠How to Save Money on Groceries: 22 Clever Ways - Clark Howard⁠ ⁠1⁠⁠0 Ways You're Wasting Money on Groceries - Clark Howard⁠ ⁠How To Get a Free Cell Phone in 2026 (Best Deals + Hidden Catch)⁠ Why Clark Is Making a Modification to His Travel Credit Card Advice ⁠United Airlines Makes Major Rewards Change to Favor These Credit Cards⁠ ⁠Top 10 Perks of the Capital One Venture X Rewards Credit Card⁠ ⁠Total Value of Capital One Venture X Rewards Credit Card Perks ⁠5 Money Tips To Know Before You Travel Abroad - Clark Howard⁠ ⁠Is There an Affordable Way To Get Wi-Fi on a Cruise Ship?⁠ ⁠What’s the Best Way To Exchange Dollars for Foreign Currency? Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Is a Solo 401(k) and How Does It Work? - Clark Howard What Is an HSA Account and How Does It Work? - Clark Howard HSA vs FSA: What's the Difference? - Clark Howard Is Now a Good Time To Refinance Your Mortgage? - Clark Howard Clark Howard's Special Rule for Refinancing Your Mortgage Why Now Is the Best Time in Years for a Home Renovation [The WP] Your backyard could be a home. Here’s how to build one. 16 of the Best High-Yield Online Savings Accounts High-Yield Savings Account (HYSA) Calculator - Clark Howard Is Your Home Underinsured? - Clark Howard Homeowners Insurance Archives - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

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 revolution" is working. After years of price hikes, name brand giants are finally slashing prices on snacks to win back customers. How Interest Rates Are Set : Segment 1 Ask Clark: Segment 2 Groceries: Big Brand Price Cuts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: My 7 Rules for Using Credit Cards - Clark Howard Best Place to Get a Car Loan - Clark Howard How To Buy a House in 9 Steps - Clark Howard NYT: After Years of Increases, PepsiCo Pledges to Cut Prices on Snacks Are Car Wash Memberships Worth It? - Clark Howard What Is Umbrella Insurance and Do You Need It? - Clark Howard 5 Ways To Start Living Below Your Means - Clark Howard The 7 Money Habits of People Who Become Wealthy - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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 average American has less than $1,000 saved for retirement. However, when you look past the headlines at the actual math, the story changes – and so does the outlook for "Late Start Larry and Lisa." If you’re in your 50s and feel like you’ve missed the boat, this segment is for you. Wes breaks down the 2026 contribution limits and shows how aggressive saving in your final working years can still turn a modest nest egg into a million-dollar retirement. Mentioned on the show: How Psychology Can Make or Break Your Portfolio Retirement Calculators What’s the Average Retirement Account Balance in America? Is It Ever Too Late To Save for Retirement? - Clark Howard 8 Retirement Catch-Up Secrets for Savers 55+ - Clark Howard Retirement Savings Limits in 2026 - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 3, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Tool or a Debt Trap? How Lemon Laws Safeguard Consumers from Defective Goods What Is a C.L.U.E Report and Its Impact on Your Insurance 5 Things To Know About Amazon Pharmacy Before You Sign Up Why Does Clark Howard Wear 2 Watches? [The Washington Post] Here’s a proven way to slow aging. Any volunteers? Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also 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 on the show: Charles Schwab Review: Pros & Cons - Clark Howard Fidelity Rewards Visa vs. Schwab Investor Card® from American Express: Which Is Best? Innovative Toll Solutions - Open Roads Federal Trade Commission - File A Complaint Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans The Surprising Thing You Need To Check Before Booking a Hotel Room The Best Day and Time to Book a Cheap Flight - Clark Howard Best Credit Cards With No Foreign Transaction Fees in 2026 Does Your Travel Credit Card Check These 4 Boxes? - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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 the most effective tools are simply made to last, and do one job well. Buying/Selling Gold: Segment 1 Ask Clark: Segment 2 No-Frills Appliances: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Value and Sell Coins, Jewelry and Silver - Clark Howard Should I Buy Gold? Is It a Good Investment? - Clark Howard Look Out for These Gold Bar Scams as Prices Surge Submit a complaint | Consumer Financial Protection Bureau Here's Your Estimated 2026 Tax Refund Schedule - Clark Howard The Best Time and Place To Buy Small Kitchen Appliances Here's How Long Your Home Appliances Should Last - Clark Howard Dacia History - Dacia Cars T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Subscription Services: Why Canceling Is So Hard (and a Solution) Mint Mobile Introduces 5G Home Internet From $30/Month How Many Credit Cards Should I Have? - Clark Howard What Can I Safely Use for Peer-to-Peer Payments? - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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 signal to get out, history suggests the opposite. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 24, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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 Pet Wellness Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ETFs vs Mutual Funds: What’s the Difference and When Does It Matter? Where Should I Set Up My Health Savings Account (HSA)? Life Insurance Archives - Clark Howard HSA vs FSA: What's the Difference? - Clark Howard Warning: Read This Before You Buy a Pet Wellness Plan Is Pet Insurance Worth It? - Clark Howard 4 Fastest Ways To Improve Your Credit - Clark Howard Credit Karma Review: Free Credit Score and More at Your Fingertips Southwest changes are infuriating fansClark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also 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 Ask Clark: Segment 4 Mentioned on the show: Trump Accounts: What You Need To Know - Clark Howard Best 529 College Savings Plans By State Free File Fillable Forms | Internal Revenue Service Best Travel Credit Cards: How To Find the Perfect Fit for Your Spending Car Rental Insurance: Everything You Need To Know When Should You File a Claim on Your Homeowners Insurance? NYTimes: Crypto Takes a Deep Slide Despite Trump’s Support How to Refinance Your Student Loans - Clark Howard Clark Howard's Guide to Saving Money on Your Wedding Is Chase Sapphire Reserve® Worth It? - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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 card debt, Clark has some strategies to pay it off sooner and keep yourself as debt free as possible moving forward. Moving Abroad: Segment 1 Ask Clark: Segment 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Countries That Will Pay You To Move How To Pack a Carry-On the Right Way - Clark Howard What Is an HSA Account and How Does It Work? - Clark Howard What Is an Annuity, and Why Does Clark Think They Stink? Simple Trick To Pay Down Credit Card Debt Quicker Best Balance Transfer Credit Cards: Top Picks for 2026 Debt Archives - Clark Howard How To Get Out of Debt in 7 Steps - Clark Howard Credit Card Debt Consolidation: 3 Paths To Consider, 2 To Avoid These Are the Biggest Scams That Cost Seniors the Most Money CELL PHONES - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

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 to bridge the gap. Also, Wes dives deep into the latest data from the U.S. labor market to see what it actually means for your portfolio. Despite some "ancient history" revisions from 2025 that initially painted a gloomy picture, the January 2026 jobs report tells a much more resilient story. Whether you’re managing a business or a retirement timeline, understanding these labor trends is key to staying invested with confidence. Mentioned on the show: Asset Class Returns A Jack Bogle Lesson: Remember Reversion to the Mean How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is Long-Term Care Insurance Cost & Coverage Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 17, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments!Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices