Episodes

  • 02.19.25 Your Savings Rate / Running Out Of Money In Retirement

    02.19.25 Your Savings Rate / Running Out Of Money In Retirement
    Feb 19 2025
    One of the most popular pages on Clark.com is our Best High Yield Online Savings Accounts article, because we all want to get the most interest on our cash. Capital One was recently accused of cheating customers out of interest rate payments - so how do you ensure you are getting best rates? Also - several high profile celebrities have revealed that they have run out of retirement savings. It just goes to show that it’s not how much you make, but how much you save. Avoid the MPC (Marginal Propensity to Consume) trap that has drained dry even the wealthiest of earners. Make More On Savings: Segment 1 Ask Clark: Segment 2 Retirement: Running On Empty: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Capital One Accused of ‘Cheating’ Customers Out of $2 Billion Best High-Yield Online Savings Accounts - Clark.com High-Yield Savings Account (HYSA) Calculator How To Open a Roth IRA Best 529 College Savings Plans By State What Is an HSA Account and How Does It Work? 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 Advertisers: policygenius.com Learn more about your ad choices. Visit megaphone.fm/adchoices
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    33 mins
  • 02.18.25 Ask An Advisor With Wes Moss

    02.18.25 Ask An Advisor With Wes Moss
    Feb 18 2025
    Do you want to be a millionaire? Wes dives into the fascinating trend of "mini millionaires" and uncovers the secrets to their success. He explores data from the Federal Reserve and the Wall Street Journal, revealing the common traits of those achieving millionaire status. Are they earning massive salaries? How much does education matter? He breaks down the key factors. Plus, he revisits the timeless wisdom of "The Millionaire Next Door" and how its core principles still apply today. Also, Wes shares three powerful investing lessons from an interview with the legendary John Bogle, founder of Vanguard. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 18, 2025, 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, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
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    45 mins
  • 02.17.25 Joining A Gym + Health Trackers & Privacy / Payment App Warning

    02.17.25 Joining A Gym + Health Trackers & Privacy / Payment App Warning
    Feb 17 2025
    Mid February and as resolutions fade, make the choice to double down! Today, the Clark smart way to join a gym, and what to know about health trackers and your privacy. Also - Zelle is not the only payment app to be concerned about. Spotlight on Cash App and the safest way to transfer money. How To Join A Gym: Segment 1 Ask Clark: Segment 2 Payment App Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Get a Gym Membership for Practically Free Why Does Clark Howard Wear 2 Watches? 13 of the Best Free Workout And Fitness Apps Consumer Reports - Your Exercise Bike Knows a Lot About You & Doesn't Keep Every Secret IRS Direct File Expands to Millions More Taxpayers 9 Free Federal and State Tax Filing Services for 2025 Cash App Ordered To Pay Millions for Fraud, Security Issues Safer Ways To Send Money - Clark.com 6 Things To Know Before You Buy Gas at Costco Wholesale 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
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    35 mins
  • 02.14.25 Valentines Edition: Couples And Money / Wedding Costs

    02.14.25 Valentines Edition: Couples And Money / Wedding Costs
    Feb 14 2025
    Happy Valentine’s Day! One way to help keep love alive is being honest about money matters and talking over financial goals with your partner. Clark talks about different ways couples can navigate finances successfully. Also, the average cost of a wedding has hit a new high! But there are other ways to think about the big day, and beyond. Financial Fidelity: Segment 1 Ask Clark: Segment 2 Wedding Expense: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's 5 Money Tips for Couples How Couples Can Get on the Same Page About Money 6 Things To Know Before Contacting the National Foundation for Credit Counseling How To Spot and Avoid Gift Card Scams The One and Only Exception to Clark Howard's 'No Gift Card' Rule How To Talk to Your Partner About Money Before Marriage SAVE Money On Your Wedding Marriage, money and happiness: A timeline I Need Plane Tickets for an International Trip. Should I Buy Now or Wait? 5 Steps To Getting a Good Deal on a Hotel Room 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
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    34 mins
  • 02.12.25 Finding A Side Gig / Finances: Teach Your Children Well

    02.12.25 Finding A Side Gig / Finances: Teach Your Children Well
    Feb 12 2025
    So many Americans are taking on side jobs to make extra cash. Clark talks about how important it is to have your scam radar up, and to prepare for the latest tax implications of gig work. Plus, for parents, Clark discusses the state of financial education and ways to give your kids the financial know-how they’ll need throughout life. Legit Gig Work: Segment 1 Ask Clark: Segment 2 Financial Education: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Taking the guesswork out of gigs 30 Easy Side Hustle Ideas Is One Medical Membership for Prime Members Better Than a Health Concierge? Amazon One Medical - Portland OR How to Find a Geriatric Care Manager / Senior Planning NHTSA safety | Check for Recalls. Save Lives. Why You Should Never Use a Debit Card To Pay for Anything How to Teach Young Kids About Money How To Buy Term Life Insurance in 7 Easy Steps 4 Types of Term Life Insurance Companies Explained Discover it® Cash Back Review: Earn Rotating 5% in Top Categories Credit Karma Review: Free Credit Score and More at Your Fingertips 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
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    35 mins
  • 02.11.25 Ask An Advisor With Wes Moss

    02.11.25 Ask An Advisor With Wes Moss
    Feb 11 2025
    Monthly Pension vs. Lump Sum: The 6% Test and Is the Market Too High To Keep Investing? Should you take a monthly pension or a lump sum payout? That’s a tricky question, but fiduciary financial advisor Wes Moss has a simple rule that can help you decide. Also, is it better to invest when markets are high or low? Wes breaks down market records since 1950 and shares his perspective on why investing in an all-time-high market is more important to your money than you may think. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 11, 2025, Ask an Advisor episode of the Clark Howard podcast. Pension vs Lump Sum Calculator - Clark Howard Should You Take Your Pension in a Lump Sum or Monthly Payments? Should I Take a $700,000 Lump Sum or a $4,200 Monthly Pension? Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
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    38 mins
  • 02.10.25 Housing & Transportation Costs / 2025 Traffic

    02.10.25 Housing & Transportation Costs / 2025 Traffic
    Feb 10 2025
    In today’s episode - It’s a nightmare to feel like you’re in over your head financially. Clark discusses the money traps that accompany our two largest monthly expenses: housing and transportation costs - and how to avoid them. Also - 2025 is bringing back pre-Covid work culture, including more return-to-office mandates. That and other factors mean heavier metro traffic. Clark has a commuter strategy to keep in mind. Housing & Vehicle Costs: Segment 1 Ask Clark: Segment 2 2025 Traffic: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Submit a complaint | Consumer Financial Protection Bureau The Safer Way To Use Your Debit Card Why You Should Never Use a Debit Card To Pay for Anything MEFA (Massachusetts Educational Financing Authority) College Cost Projector Tuition Inflation - Finaid How to Take the Car Keys Away From Unsafe Elderly Florida Drivers Do I Need a Mechanic Inspection When Buying a Used Car from CarMax or Carvana? How To Buy a Used Car 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
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    38 mins
  • 02.07.25 Clark Answers His Critics on Clark Stinks / Energy Prices & Home Building

    02.07.25 Clark Answers His Critics on Clark Stinks / Energy Prices & Home Building
    Feb 7 2025
    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Clark discusses what’s behind rising energy costs now and in the future, and the need for a rethink in home building. Clark Stinks: Segments 1 & 2 Energy Prices & Home Building: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Switch Phone Carriers: 9 Easy Steps How To Fight Fraudulent Bank Account Charges Can I Access My Streaming Service Anywhere in the U.S. and Internationally? IRS Direct File Expands to Millions More Taxpayers 8 Free Federal and State Tax Filing Services for 2025 5 Reasons Why This Is the Best Time of the Year To File Your Taxes Why this Boston homeowner doesn’t pay anything to heat his house 10 Ways To Lower Your Heating Bill / How To Save Money on Utilities How To Get a Free Credit Report / 4 Ways To Get Your Free Credit Score How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is a Fiduciary Financial Advisor and Do I Need One? 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
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    43 mins