The Clark Howard Podcast

As people return to travel, the airlines are caught with staff shortages in all positions, canceling thousands of flights in the past few weeks. Clark has several strategies to help get you where you’re going. Plus - got coins laying around? You can help yourself and businesses at the same time. Coin Shortage: What To Do With Your Old Coins Flight Plan Strategies: Segment 1 Ask Clark: Segment 2 Wanted: Your Spare Change: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Follow These Tips if an Airline Reschedules Your Flight 5 Things To Do if You Need To Book a Trip This Summer Auto Europe: Europe Car Rentals $6/day! Best Rate Guarantee Looking for Coinstar Alternatives? Check Your Local Credit Union How Much Should You Have Saved for Retirement by Now? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices 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, 20% of Americans now live in multi-generational households. A real opportunity that deals with the extreme housing shortage: Accessory dwellings or ADUs. Clark explains the multiple benefits this kind of dwelling can provide. Clark Stinks: Segments 1 & 2 Housing: ADUs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Accessory dwellings get another look in tight housing market 5 Steps To Getting a Good Deal on a Hotel Room International Travel Tips: 26 Things to Know Before Going Overseas Is an extended warranty ever worth it? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Financial advisors - even if you think you have a good one, you may be spending way more money than you need to. Clark makes it clear how the industry plays the game and how to protect yourself when you put your money to work. Also, we throw away a staggering 40% of the food we buy in the U.S. With grocery prices high - understanding product dates and what you should & should not pay attention to can = $avings. Fee Only Fiduciaries: Segment 1 Ask Clark: Segment 2 Food Exp. Dates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Investment Companies for Investors in 2022 Fidelity Personalized Planning & Advice Review Vanguard Personal Advisor Services Review Schwab Intelligent Portfolios Premium Review Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity What Is a 403(b) and How Does It Work? 403bwise :: The K-12 403(b) is broken. Together we can fix it. Food Expiration Guide - Clark Howard Live TV Streaming Channel Tool Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses how to choose a printer for work or home, considering your usage and the high price of ink! Consumer Reports has updated the best deals on printers. Also, high gas prices have driven up the popularity of scooters and e-bikes. What to know about using these alternatives. Best Printer For You: Segment 1 Ask Clark: Segment 2 E-Bikes & Scooters: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Can YouMail Really Put an End to Robocalls? What Is an HSA Account and How Does It Work? Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The pandemic reassessment of work continues to evolve, with many older workers returning to phased retirement jobs. Clark discusses the flexibility now required of both employers and workers, and the outlook for entrepreneurs. Also, the 10 states with lowest overall tax burden on middle income earners, including income, sales, & property taxes. The New Nature of Work: Segment 1 Ask Clark: Segment 2 Tax-Friendly States: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Build Credit The 10 Most Tax-Friendly States for Middle-Class Families How To Open a Roth IRA Top Travel Deals - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains why you shouldn’t freak out if you get rejections from the colleges of your choice. And what to know about middle skills education and career paths. Plus, Summertime travel blues: Clark talks ways to get a deal despite rising prices & how to navigate a time when travel prices have gone crazy. Learn Clark’s prime travel rule and “the August rule”. College Decisions: Segment 1 Ask Clark: Segment 2 Beat High Travel Costs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 9 Ways To Pay for College Without Student Loans Best Credit Card Welcome Bonuses for 2022 Breeze Airways, Avelo Airlines Announce New Routes JetBlue has cut or paused 27 routes for the summer amid labor shortages and high fuel prices – see the full list Clark.com Coming Soon: Southwest Will Have a New Way To Get Cheap Airfares Want to see Yosemite in peak season? Reservations open Wednesday World Airline Star Rating by Skytrax Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices 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, Clark discusses how to make the most of the Fed raising rates, covering credit card debt, HELOCs & mortgages, student loan rates - and the most important thing to do in a time of rising interest rates. Clark Stinks: Segments 1 & 2 Rising Interest Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Things To Know About Series I Savings Bonds Home equity loans & lines of credit: 7 common questions answered Should I Pay a Company To Lock Down My House Title or Is It a Scam? 3 Things to Know Before Buying Owner's Title Insurance Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares back to basics info on how to shop wisely and tell what’s truly a deal and what is not - including Clark’s Amazon rule. Also, why you should be wary of scanning QR codes - A Clark scam warning. Know Real Deals to Beat Inflation: Segment 1 Ask Clark: Segment 2 DANGER: QR Codes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How You Can Use Unit Price to Save Money When Shopping 20 Ways To Save on Amazon Boarding the Plane FAQ | Southwest Airlines Looking to Lower Your Funeral or Cremation Costs? Join a Non-Profit Memorial Society Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark has a special RIP OFF ALERT concerning veterans and members of our military seeking to further their education. AND - STREAMING TV: new streaming choices can save you big money. Colleges Ripping Off Veterans: Segment 1 Ask Clark: Segment 2 New Streaming TV Savings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Commercials Are Coming to the Biggest Streamers Live TV Streaming Channel Tool Best 529 College Savings Plans By State Avalanche vs. Snowball: Which Debt Payoff Method Is Best? 6 Steps To Eliminate Credit Card Debt in 3 Years or Less Travel Archives - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The pandemic has changed costs of living around housing and transportation. Americans are on the move again. This is a time when you can do a full reset for your life, career and your wallet. This tool helps you find a place to live based on your budget. AND - Not everything is going up in price. Clark reveals opportunities in the marketplace. Affordable Cities For Renters: Segment 1 Ask Clark: Segment 2 Where The Deals Are: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New Report: Cheapest Cities for Renters FurnishedFinder Warning: Payment is not through the platform & thus more subject to scams A strong password isn’t enough | Here’s the best way to protect your online accounts New recommendation for cash on hand: $2500 per household in small bills ClarkDeals - Laptops / ClarkDeals - TVs 5 Things To Know About Series I Savings Bonds Dollar Cost Averaging Makes You a Fortune Over Time How to Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma Review: Free Credit Score and More at Your Fingertips Is your home underinsured if disaster strikes? Homeowners Insurance Archives - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares 2 new cell phone deals and then explains how he fought a 6 month battle for his wallet, and finally won. Also, Clark clears up confusion surrounding credit reporting changes on the way… A huge roadblock to good credit is being modified. Clark’s Consumer Fight: Segment 1 Ask Clark: Segment 2 Medical Debt & Your Credit: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New AT&T Value Plus Plan: $50 per Month for Unlimited 9to5Mac: T-Mobile introduces new $10/month prepaid plan, boosts data caps for other tiers BBB-File a Complaint Equifax, TransUnion and Experian will soon stop counting medical debt in credit reports — now, for the bad news What You Can Do About Medical Debt iPhone vs. Samsung: Which Holds Its Value Better? How to Freeze Your Credit With Experian, Equifax and TransUnion Automatic Bill Pay: How It Works and How to Do It Safely Is Amazon Prime Worth It for You? Take This Quiz To Find Out! Clark Howard: Habitat for Humanity - Clark Howard Habitat for Humanity: History - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, the state of car rental rates with predictions and tips for getting a good deal this summer. Clark Stinks: Segments 1 & 2 Summer Car Rentals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Earthquake Coverage - The Really Big One Medical Receipts: HSA-Compatible FSA Expenses | WageWorks What Is an HSA Account and How Does It Work? 19 Ways To Save at Walmart Do Not Give Your Social Security Number at These Places Are You Following Clark's Maximum Auto Loan Length Rule? 6 Steps To Getting the Best Car Rental Deal Turo: 5 Things To Know About the Cheap Car Rental Service Why You Need To Book Your Summer Travel Now Follow Clark Howard's #1 Rule to Travel Cheap Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark talks taxes including why you should check your refund whether you’ve filed yet or not, and free filing. Also - Travel Riddle: when should you use your airline and hotel reward miles and points? TAXES: Refunds & Free Filing: Segment 1 Ask Clark: Segment 2 TRAVEL: Airline Miles & Hotel Points: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Submit a complaint | Consumer Financial Protection Bureau ReportFraud-FTC.gov - Consumer Product Safety Commission FCC Complaints - Federal Communications Commission What Is a Fiduciary Financial Advisor and Do I Need One? Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Best Travel Credit Cards: Top Rewards Picks for 2022 How to Avoid Romance Scams - Clark Howard Health Insurance Archives - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Word to employers: We’re in an experimental, reset time for employees. Flex schedules and 4-day workweeks are well worth considering to improve efficiency and retention - and they’re catching on. Also, how the overdraft fee game has been played and how bank competition means game over! The 4 Day Workweek : Segment 1 Ask Clark: Segment 2 The Death of Overdraft Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: mySocialSecurity: The Free Account Everyone Needs To Set Up Before Retirement Best home battery 2022: Top battery backup systems Employee Stock Purchase Plan (ESPP) - Investopedia Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Opportunity knocks this summer! Whether you’re a teacher, student, or just looking to make extra money, the marketplace has taken minimum wages up and up. And parents, if you can, offer some type of match and open a Roth to incentivize the saving habit for your working teen. Meanwhile, a Giant Monster Mega Bank has done something great - really! Bank of America has a great new security center tool to help protect customer accounts. Summer Jobs: Segment 1 Ask Clark: Segment 2 In Praise of a Big Bank!: Segment 3 Ask Clark: Segment 4 Mentioned on the show: BOA helps its customers protect their accounts Do Not Give Your Social Security Number at These Places How to handle money when you're traveling overseas Why Clark Howard Shifted to a Digital Wallet and You Should Too 7 Free Video Call Services To Keep You Connected What Is the Best Way To Keep Track of My Mortgage Payments? 5 Sneaky Ways To Improve Your Credit Score Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark offers direction for car buyers of both new and used vehicles in the market now as shortages persist. Also, Clark explains the challenges and considerations of buying a house under current market conditions. Buying a Vehicle: Segment 1 Ask Clark: Segment 2 Buying a House: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Buy a Used Car, New Car or Lease Right Now? How to Buy a Used Car in 7 Steps Clark’s Unusual Tip if You Need To Buy a New Car Right Now How to Buy a New Car in 5 Steps The Best Car-Buying Services in 2022 The Best Credit Cards With No Foreign Transaction Fees International Travel Tips: 26 Things to Know Before Going Overseas Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices 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, If you’ve had a traditional 401(k) and now access to a Roth 401(k), Clark answers questions on handling both. Clark Stinks: Segments 1 & 2 Traditional to Roth 401(k): Segment 3 Ask Clark: Segment 4 Mentioned on the show: 401(k) Rollover: What You Need To Know & Options Ask Clark: Should I Convert a Traditional IRA to a Roth IRA? Why You Do Not Want To Get a Big Tax Refund Check Is a Safe Deposit Box Really Safe? The National Domestic Violence Hotline 3 Things To Consider Before You Get Solar Panels How To Set Up Your Own Biweekly Mortgage Plan Without Paying Any Fees Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Historically Americans are the worst savers but many improved during lockdown. Now, many are saving less and taking on more debt. Clark offers direction for resetting your goals. Plus, Tax time and Clark has info on what documents to keep and for how long, including property and business records. Saving-Spending Reset: Segment 1 Ask Clark: Segment 2 Tax Records: An Overview: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - CELL PHONES 5 Things to Know Before You Sign Up for Cricket Wireless Which Documents Should You Keep and for How Long? Follow Clark Howard’s #1 Rule to Travel Cheap A Retired Travel Agent's Secrets for Getting the Best Travel Deals Should You Buy Out Your Leased Car? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses how the war in Ukraine is affecting us all with higher energy prices, from gasoline to home energy. Learn steps you can take right now to mitigate your costs. Gasoline Prices: Segment 1 Ask Clark: Segment 2 Home Energy Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 23 Ways To Save Money on Gas You can still find 'cheap' gas — if you know where to look [The Washington Post] Stop speeding, get the junk out of your trunk, and other strategies to save money at the gas pump 5 Things To Know About Series I Savings Bonds How to Save Money on Utilities Best Online Banks: Free Checking and High-Interest Savings Accounts How Much Cash Should You Keep at Home in Case of Emergency? Dollar Cost Averaging Makes You a Fortune Over Time Should You Sell or Stay Put in the Stock Market? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Student loan forgiveness was a promise made 15 years ago to those going into public service. That promise was broken repeatedly. Clark explains what went wrong, and what’s going right now. Student loan forgiveness is much easier through September. Meanwhile, noticing possible hearing or vision problems? There are some new, convenient and often free ways to do initial testing at home - apps that can serve as an early warning system. Revisit Student Loan Forgiveness: Segment 1 Ask Clark: Segment 2 Hearing and Vision Apps: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Things To Know About the Public Service Loan Forgiveness Program Overhaul Student Loans, Forgiveness | U.S. Department of Education Borrower Defense Loan Discharge - Student Loan Forgiveness | Federal Student Aid Best 529 College Savings Plans By State How to Book the Best and Safest Airbnb Eye Health Screening Apps May Signal Need for Eye Exam The Best Places To Buy Hearing Aids KardiaMobile EKG Monitor - Instant EKG on Your Phone Why You Need To Re-Shop Your Car Insurance This Year Best and Worst Home Insurance Companies What Is a Reverse Mortgage and Is It Right for Me? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains why you should never invest through a bank. And then there’s Wells Fargo. Their latest foray into criminal behavior involves FINRA manipulation. Plus, in a time of high inflation, understanding how retailers operate is key to stretching every dollar. In addition to shopping everyday low price retailers, learn how to make the "high-low pricing model” work for you. Wells Fargo’s FINRA Review: Segment 1 Ask Clark: Segment 2 Offset Inflation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Buy Term Life Insurance in 7 Easy Steps 10 Best Business Checking Accounts of February 2022 The Latest from Clark Howard Best and Worst Home Insurance Companies Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices 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, Clark has a health lesson for all based on a recent operation. Clark Stinks: Segments 1 & 2 Clark’s Health Lesson: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Where To Buy the Best Cheap Printer Evaluate Life Insurance Why You Do Not Want To Get a Big Tax Refund Check 4 Things To Know Before You Sign Up for fuboTV Live TV Streaming Channel Tool Is a Costco Executive Membership Worth It? Should I Buy a House in This Crazy Real Estate Market? Major Tax-Reporting Change for Users of Venmo, PayPal and Others Is There a Safe Way To Invest in Real Estate? Report: The #1 Internet Provider in America File a Consumer Complaint | US Department of Transportation When Should You Get an Accountant To Do Your Taxes? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark offers legitimate resources for assisting Ukraine and discusses the economic impact. Also, current new & used car pricing info and buying strategies. With the spring car buying season coming and continued high vehicle prices, enter the new Consumer Reports reliability ratings. Ukraine: Donation Guidance and Economic Impact: Segment 1 Ask Clark: Segment 2 Update: Vehicle Pricing & Purchasing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Choose the Best Charities for Your Donations How To Help Ukraine: Ways To Make a Donation Safely What does Ukraine invasion mean for energy bills? Car Prices Above MSRP Reflect Price Gouging Rather Than Inflation NYTimes.com: As Automakers Add Technology to Cars, Software Bugs Follow How to Sell Your Car in 5 Steps How to Buy a New Car in 5 Steps New Report: Top Vehicles Most Likely To Last 200,000 Miles Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Romance scams have skyrocketed with hundreds of millions lost to criminals exploiting pandemic vulnerability. And they’re stealing via untraceable fake crypto exchanges. Clark walks through how this happens so you can protect your heart - and wallet. Scam 2: Zelle, the cash payment app pushed by banks offering no consumer protections - is ripe for scammers & they’re all over it. Clark details Zelle scams and recommends one clear action to secure your account from this menace. Romance Scams Escalate: Segment 1 Ask Clark: Segment 2 Scam Warning: ZELLE: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is Disability Insurance and Should I Buy It? Longevity Insurance Is a Smart Buy at Retirement The Best Time To Buy a Car End of life body donation: Contact a university based medical center Restricted Stock Unit (RSU) Definition - Investopedia Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The solution to the nation’s skilled worker shortage has been there all along, as more industries step up to participate in apprenticeships. New opportunities to be paid as you learn in the field and in the classroom can be found in technical college settings. Clark also explains the behind the scenes battle going on for the 20% of the U.S. economy going to healthcare. Two nontraditional players are becoming a threat to high-priced hospital based systems, providing new options of great benefit to you. Apprenticeships: Segment 1 Ask Clark: Segment 2 Walmart & Amazon Healthcare: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Freeze Your Credit With Experian, Equifax and TransUnion Ask Clark: What Is a Backdoor Roth IRA? Electric Vehicle Myths | US EPA T-Mobile Money: 5 Things To Know Can You Really Save Money With T-Mobile Tuesdays? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A new trick of the predatory lending trade: Banks team with fintechs to make 225% loans. Beware these online offers with hidden rates. Clark explains how this happens and what to look out for. Plus - Around 30% of people in committed relationships hide debt or money from their partners. The corrosive effects of financial infidelity and Clark smart tips to help couples navigate finances. Predatory FinTech Loans: Segment 1 Ask Clark: Segment 2 Financial Infidelity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Advice on Buying Gold 2022 Hyundai Ioniq 5 Review: Hella Impressive - Roadshow The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report Do Not Give Your Social Security Number at These Places Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices 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, shopping internet plans and understanding the limits, fees and contracts has been very frustrating. Great news - that is about to end. Clark Stinks: Segments 1 & 2 Internet Service: Clarity & Choice: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 8 Things To Know Before Your First Trip to Aldi The best of Aldi's middle aisle this week! - Clark Deals Turn off the debit function of your debit card The Top 5 Benefits of Community College 10 Ways To Save on Prescription Drugs The easy way to pay off your credit card debt in a quarter of the time Credit Karma Review: Free Credit Score and More at Your Fingertips 5 Things To Know About Series I Savings Bonds How to Start Investing and Saving for Retirement Clark's take: Why everyone should have a dash cam Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Labor shortages are so pervasive, it will take innovation and automation to fill the gaps. Clark talks about life in a time of worker shortages, the future outlook and solutions. Plus, in the wake of the FIRE movement, Clark gets to the core of FI - financial independence, vs RE - retire early. and offers an important compromise that may serve you well. Labor Shortage Outlook: Segment 1 Ask Clark: Segment 2 Early Retirement Compromise: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Uses for Your Old Cell Phone Treasury Direct - How to track down lost savings bonds How To Open a Roth IRA Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Severe weather can cause lengthy power outages. Clark discusses solar with backup battery power and generator use. Also, Amazon is not the bargain they used to be and is raising the cost of Prime. 2 other options for inflation weary, price conscious consumers. Solar Backup & Home Generators: Segment 1 Ask Clark: Segment 2 Amazon Prime Vs Walmart+: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Generator buying guide: What you need to know The Walmart+ Membership Program - 19 Ways To Save at Walmart How Many Credit Cards Should I Have? Target RedCard Credit Card Review: Earn 5% Back on Purchases Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark discusses some possible economic implications around the stock market and gas prices, as the invasion of Ukraine unfolds. Also, the AT&T 3G network shutdown has occurred with Verizon & T-Mobile to follow. Learn what services are affected and what you can do. Plus, Apple, Amazon & Google have a new standard that allows devices to communicate automatically with each other, even when from different providers. Get the good news in tech rolling out this year. The Ukraine Invasion: Economic Effect: Segment 1 Ask Clark: Segment 2 The 3G Shutdown & A New Tech Connect Standard: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Huge Tax Bills That Came Out of Nowhere at Vanguard Lessons From Vanguard Target-Date’s Capital Gains Surprise What Is Synthetic ID Fraud? - Experian How to Sign Up for Credit Karma's Free Monitoring Service How to Freeze Your Credit With Experian, Equifax and TransUnion 9 Ways To Pay for College Without Student Loans Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices 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. Meanwhile, Covid fatigue is peaking and people are getting out more. Lots of things that didn’t happen over the last 2 years are coming back, Hear specific recommendations for booking summer travel, and wedding planning. Clark Stinks: Segments 1 & 2 Summer Travel & Wedding Planning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Top 5 Benefits of Community College Public Service Loan Forgiveness Program: An Overview | SoFi Why You Do Not Want To Get a Big Tax Refund Check The Best Places To Buy Eyeglasses Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? - Clark Deals - BJ’s Outdoorsy: Trusted RV rental marketplace How to book travel on Priceline Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

5 years later, the Equifax class action settlement over the massive 2017 breach - is finalized. Many are receiving claim notifications. Clark explains what this means for you. Later, great news on the cell phone front. How about free calling and texting? Clark shares industry trends involving phone contracts and a couple of great new offers. The Equifax Data Breach Settlement: Segment 1 Ask Clark: Segment 2 Great New Cell Plan Options: Segment 3 Ask Clark: Segment 4 Mentioned on the show: TextNow: Get FREE unlimited talk & text with 99-cent SIM card New ATT Plan only at Walmart $45 per mo unlimited everything Plaid, the service used by Venmo, Acorns, Robinhood, and more, may owe you some money Senior Citizens Can Go to College for Free or Cheap in All 50 States Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The No Surprises Act for medical billing includes a bonus benefit most don’t know about, and it can help you save big on medical procedures. Also, great news about a new digital checking account - fee free with reward points, and more. Online Banking Archives - Clark Howard / How to Switch Banks in 4 Simple Steps. No Surprises: A New Medical Benefit: Segment 1 Ask Clark: Segment 2 New Rewards Checking: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Fidelity vs. Vanguard vs. Schwab: Which Brokerage Is Best? Best 529 College Savings Plans By State What Is an HSA Account and How Does It Work? That $1,000 Bourbon You Bought May Be a Phony IRS Free File: Free State and Federal Tax Filing Options for 2022 How To Open a Roth IRA Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The story on gas prices - pandemic to now - explains where we are and where prices at the pump are going. There IS a bright spot on the energy front. Also, there’s been an increase in automotive fatalities in the U.S. This, along with the car shortage, is impacting auto insurers, increasing their costs. Brace for your policy renewal and use Clark’s recommended strategy. Update: Gas Prices: Segment 1 Ask Clark: Segment 2 Sticker Shock: Auto Insurance Recommendation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Things To Know About Series I Savings Bonds Best 529 College Savings Plans By State What Is a Credit Union? To sell antique items, seek out local estate sale businesses / Ebay How To Spot, Avoid, and Report Fake Check Scams | FTC How To Choose the Best Charities for Your Donations Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Great saving strategies to build financial independence. Step 1: Defining your goals. Also, home title fraud is a devastating crime. Learn which homes are most at risk and how to protect your property. Saving Strategies for Financial Independence: Segment 1 Ask Clark: Segment 2 Home Title Protection: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Freeze Your Credit With Experian, Equifax and TransUnion 4 Things To Know About the Public Service Loan Forgiveness Program Overhaul Stripe: Online payment processing for internet businesses Clark Howard's Important Advice on Funeral Planning Plaid, the service used by Venmo, Acorns, Robinhood, and more, may owe you some money Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices 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, there have been many stories of Apple AirTags being exploited by criminals for stalking and car theft. Now comes a great story of someone using an AirTag to STOP criminals. Clark Stinks: Segments 1 & 2 Ask Clark: Segment 2 Apple AirTags Revisited: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Buy Term Life Insurance in 7 Easy Steps How To Find a Good Moving Company How To Find and Choose a Financial Advisor EvaluateLifeInsurance.org 5 Sneaky Ways To Improve Your Credit Score If a medical practice requires a credit card on file, use a fee-free stored value Visa or MC Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoicesz Learn more about your ad choices. Visit megaphone.fm/adchoices

The Citi Double Cash card was simple and intensely popular. But recent changes have created confusion. You now have Thank You points - Do you still get 2% cash back? Clark explains. Also, Clark on the Frontier / Spirit discount airline merger, schedule reliability and needed consumer protections for U.S. flyers. Citi Double Cash Visa Changes Explained: Segment 1 Ask Clark: Segment 2 The Frontier / Spirit Airlines Merger: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Sam's Club Mastercard Review: Earn 5% Back on Gas Purchases Costco Anywhere Visa® Card by Citi Review: Earn Wholesale Club and Gas Rewards Costco vs. Sam's Club Credit Cards Comparison: Which Is Better? How To Prevent, Report and Repair Identity Theft How to post a hotel review online without getting any blowback Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Mark Cuban’s direct to consumer drug manufacturing company is up and running. Clark contrasts Cuban’s CostPlusDrugs and Costco pricing, to chain pharmacy pricing methods, revealing a clear way to SAVE. Also, Americans are getting seriously ripped off on auto loans. 80% of vehicle buyers purchase the wrong way - 8 million are delinquent - 46% are upside down in their loan. 2 Clark rules to live by when financing a vehicle. Mark Cuban’s New Rx Savings: Segment 1 Ask Clark: Segment 2 AUTO LOANS: 2 Clark Rules: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Your Guide to DIY Home Security Systems GetUpside Review: 6 Things To Know Before You Sign Up Are You Following Clark's Maximum Auto Loan Length Rule? How to Buy a Used Car in 7 Steps Is LifeLock Worth the Cost? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

As part of the evolution of evaluating credit risk, for those with no credit report Experian has a way to set up your own. Clark smart credit advice. Plus - The cruise industry is in absolute turmoil. Clark updates both the hazard, and opportunity. Create Your Own Credit File: Sement 1 Ask Clark: Segment 2 Cruise Update: Hazard & Opportunity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Petal Card Review: A Good Option for First Credit Card? Experian Boost Review: How 3 Bills Helped Raise My Credit Score … How To Build Credit Credit Karma Review: Free Credit Score and More at Your Fingertips Top Travel Deals - Clark Howard - GoogleFlights How To Use InsureMyTrip To Buy Travel Insurance Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Stocks are going through a cyclical decline and investors are nervous. Whether nearing retirement or younger, you can be positioned emotionally and financially to weather a down cycle. Also - Planning ahead for Valentine’s Day can help you save. Clark smart tips on Valentine’s gifts, and a warning about romance scams. STOCK MARKET: Ride the Decline Fortified: Segment 1 Ask Clark: Segment 2 Valentines Day Planning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Using the Price-to-Earnings Ratio and PEG to Assess a Stock Dollar Cost Averaging Makes You a Fortune Over Time What Is a Roth 401(k) and How Does It Work? Walmart Unveils New Walmart+ Membership Program How To Opt Out of Verizon’s New Data Collection Policy Bark: Parental Control App for iPhone, Android, & Amazon Fire Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices 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 - A 2022 tax year heads up for those who receive income via a pay app. What small businesses need to know about pay app income and the IRS. Major Tax-Reporting Change for Users of Venmo, PayPal and Others Clark Stinks: Segments 1 & 2 New Tax Rule for Small Business: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Know your (new) rights under the No Surprises Act… What the No Surprises Act means for your medical bills AAA Membership: Is It Worth It? UNI One Toll Pass How To Open a Roth IRA 7 Best Ways to Save for Retirement in Your 50s How to Reach Customer Service at Cash App, Zelle and PayPal Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares how & where he saves money, teaching you to crack the price label codes at warehouse clubs - Priceless! Also, What memberships & subscriptions are lurking and are you using them? Use Clark’s way to find out. $5 a month for nothing is $60 a year! Clark helps you get it back! Clark Howard - Deal Hunter - Spills Trade Secrets: Segment 1 Ask Clark: Segment 2 Clark Smart Assignment: Restore Vanishing Money: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco Best Deals Sam’s Club Deals Best of Aldi’s middle aisle Meet the Proud Shoppers of Aldi’s ‘Aisle of Shame’ These Credit Cards Offer Car Rental Insurance Benefits BOXABL CASITA – Accesory Dwelling Unit 50 Companies with Amazing Tuition Reimbursement Programs Best 529 College Savings Plans By State Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Hiring a contractor is a big challenge. Angie's List - now Angi - is undertaking a new business model seeking to be a trusted resource. Clark takes a first look and discusses vetting services. Also, Clark examines the current problem of organized theft rings throughout the country, how they affect consumers, and how retailers are reorienting stores and security. The New Angie’s List: Segment 1 Ask Clark: Segment 2 Retail & the Organized Theft Problem: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Do Not Want To Get a Big Tax Refund Check What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Chime Review: Pros & Cons of the Bank Challenger Best 529 College Savings Plans By State Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The future is almost here. Today, big players are perfecting electric flying taxis. Clark discusses the market adoption and possible uses of electronic aircraft. Also, at a time of rising prices, store brands - aka private labels - have new strength in the marketplace, key for your wallet. Clark conveys the quality of various house brands and how much you can save. Electronic Aircraft an Imminent Game Changer: Segment 1 Ask Clark: Segment 2 Beating Inflation in the Supermarket: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Here's How Easy DIY Pest Control Can Be Autotrader: Used and New Car Sales, Review Oura Ring - Buy used as a test drive - Clark Howard’s Oura Wedding Band The Best Time and Place To Buy a TV Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Americans are spending more than ever on eyeglasses. Clark discusses the industry cartel at work & multiple ways you can save, and has a warning about employee vision coverage. Also, promising news about how our food is grown in the U.S. The concept of growing produce in a factory goes back a generation. But indoor vertical farming is starting to boom and the benefits are many. Don’t Get Taken on Eyeglasses: Segment 1 Ask Clark: Segment 2 Here’s to Vertical Farming: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Roth vs. Traditional 401(k): What’s the Difference? MaxMyInterest vs. CDARS 7 Free Federal and State Tax Filing Services for 2022 Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

It’s Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Airport self-screening is becoming a reality. TSA screening is a tough job - crying out for modern AI tech as long employed overseas. The Dept. of Homeland Security has initiated the development of TSA PreCheck self-screening. Clark describes the benefits this will bring, and shares a Global Entry expiration warning. Clark Stinks: Segments 1 & 2 Airport Self-Screening: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Global Entry Travelers Now Have a 24-Month Renewal Grace Period Why You Should Be Careful About Lending Money to Family and Friends What Is a Mutual Fund? Fidelity Investments Review 2021: Pros & Cons Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark explains how virtual credit card numbers work to protect you while shopping online. Check to see if any of your cards offer the virtual number service, and make it your online card. Also, solar roof tech has progressed, offering greater efficiency and lower cost. A new development from GAF Energy brings self-powering our homes closer within reach. Virtual Credit Card Protection: Segment 1 Ask Clark: Segment 2 Solar Shingle Innovation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Navy Federal Ups the Rewards on Its Popular Cash Back Credit Card Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards Why Clark Howard Is So Excited About His Wedding Band Solar | Department of Energy - State Renewable Energy Resources | US EPA The #1 Thing Clark Howard Hates About Solar Panels Should You Buy an Extended Warranty on Your Car? Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Netflix just went up and price increases overall for streaming services continue due to original programming production costs. Clark has a few ways to help you streamline your streaming. Also, vehicle news including the $20K Ford Maverick, help for the blinding headlights problem, and Toyota’s refurbishing program - brilliant! Streaming Services Price Creep: Segment 1 Ask Clark: Segment 2 Vehicles: 3 Great Developments: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Ford Shuts Off Orders for New $20,000 Maverick Pickup - The Wall Street Journal. Live TV Streaming Channel Tool Netflix Announces Price Hike for 2022 Subscriptions 19 Ways To Save at Walmart The Best Ways To Protect Yourself Against Airline Cancellations Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark describes retiree regret when resettling in vacation spots. How to avoid costly moves using Clark’s “training wheels” strategy. Plus, a look at rent or buy decision factors in today’s market. And - Many retailers & restaurants have shorter store hours & empty shelves - Clark relates what’s happening now and what’s to come. In addition, hear how corporate public relations can further botch serious corporate mistakes - case in point: Hertz. Home Ownership vs. Renting: Segment 1 Ask Clark: Segment 2 Restaurants & Retail: Limited Hours & Merchandise: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Non-Owner Car Insurance: A Complete Guide - NerdWallet Truebill Review: 4 Things to Know Before Signing Up Clark's Graveyard - SunRocket Internet Phone Service – Died July 2007 IRS using identity verification: ID.ME State unemployment claim problems: Seek help from state representative. Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Right now opportunities & incentives are plentiful in many sectors because of worker shortages. The military is employing retention incentives, and new recruit bonuses topping out at $50K, which may be a worthy path for some. Also, Clark reviews the pandemic effect on energy, where we are now with home energy and gas prices - and where the U.S. is headed as an energy producer. Military Bonuses: Segment 1 Ask Clark: Segment 2 Good News on the Energy Front: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Is a Costco Executive Membership Worth It? Costco vs. Sam’s Club vs. BJ’s Wholesale: Which Is Best? Mortgage Refinance Calculator - Clark Howard Mortgage Points Calculator - Clark Howard Mortgages Archives - Clark Howard Homeowners Insurance Archives - Clark Howard Clark.com resources Episode transcripts Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices