The Clark Howard Podcast
by Clark Howard
Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save
Episodes
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11.13.26 Clark Answers His Critics on Clark Stinks / 2 for 1 Membership Deal
Clark Stinks & Why Clark Loves the New Walmart/Sam’s Club Bundle Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Walmart and Sam's Club just launched a game-changing joint membership deal that could save your wallet a bundle…
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11.11.26 Social Media Does Finance: Pros & Cons / Scam Warning For Veterans
Social Media Debt Trends vs. Fake ‘Finfluencers’ & A New Scam Targeting Veterans Clark examines the double-edged sword that is social media personal finance, highlighting how young people sharing their debt-payoff journeys online is creating a powerful force for accountability, while a shocking…
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11.10.26 Ask An Advisor With Wes Moss
Is the Bull Market Running Out of Time? & The ‘Friendship Recession’ Threatening Retirement Is the current bull market nearing the end of its run simply because the calendar says it's getting old? Wes Moss examines why investors might be looking at the wrong clock when assessing market cycles —…
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11.09.26 SPEND LESS - Buy Used / The Dash Cam Difference
Why Secondhand Shopping Is Skyrocketing & $20 Device Every Driver Needs in Their Car Clark digs into two essential ways you can keep more money in your pocket today: the booming world of secondhand shopping and the ultimate tool to protect yourself on the road. With household costs rising, buying...
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11.06.26 Clark Answers His Critics on Clark Stinks / Retail Finance Trap- NO
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, what seems like a great financial deal comes with a catch. Retailers love to lure shoppers in with "No interest, no down payment, no payments for months" promotions, but…
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11.04.26 Mindful Shopping / RECALL: Vehicular Spontaneous Combustion
Avoid Holiday Shopping Traps & The Dangerous Car Recall You Can’t Ignore In this episode, Clark shares his simple, battle-tested trick to stop impulse spending during peak holiday shopping season – including his hands-only shopping cart rule that will save you money both online and in stores.…
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11.03.26 Ask An Advisor With Wes Moss
The Real Cost of Owning a Car & Can You Actually Retire on $500,000?Wes breaks down the cold, hard numbers on two major financial questions that could completely change your path to financial independence. First, Wes dives into "car math," looking past the monthly payment to reveal the true total...
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11.02.26 Holiday Shopping BOTchas! / AI Driving Up Medical Costs
Are AI Chatbots Secretly Tricking Holiday Shoppers? & Why You MUST Ask for an Itemized Hospital Bill With the holiday shopping season in full swing, millions of consumers are turning to AI shopping assistants like Meta’s Muse for the very first time to hunt down the best deals. While these…
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10.30.26 Clark Answers His Critics on Clark Stinks / Buying A TV
Clark Stinks & #1 TV Brand People Keep the Longest Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, are there TV brands worth paying extra money for? Just in time for Black Friday, new data from CNET readers reveals the TV...
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10.29.26 Ask An Advisor With Wes Moss
Rapid Fire Q&A: Financial Advisor Fees, Direct Indexing Traps, & 30-Year Treasury Yields Welcome to another Rapid Fire Thursday edition of Ask an Advisor with Wes Moss! Today, Wes opens up the listener mailbag to answer several direct questions on wealth management, investment strategies, and...
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10.28.26 Airline Passenger Rights / Family Caregiving - Planning Ahead
Airline Consumer Protections Are Shrinking & Hidden Costs of Caregiving With the holiday travel season just around the corner, big changes are underway that could impact your upcoming trips. The Department of Transportation is re-interpreting consumer protections for air passengers. Since…
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10.27.26 Ask An Advisor With Wes Moss
Is Your Brokerage Account Safe from AI? & Market Myths Debunked In this episode, Wes Moss breaks down what you need to know about AI security and seasonal stock market lore. First, Wes addresses the rising safety concerns surrounding automated AI agents accessing brokerage accounts, sharing his…
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10.26.26 Retirement Challenges / Best Value on Rx Eyewear
Re-Thinking Retirement: A Smarter Way To Phase Down & Best Places To Buy Eyeglasses Retirement is supposed to be the ultimate reward after decades of hard work, but for many, the reality doesn’t match the expectation. Whether it’s financial pressure from inflation and living expenses or simply...
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10.23.26 Clark Answers His Critics on Clark Stinks / Fine Tune Fin Ed
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, - how do we teach our kids and young adults about money? Managing money was simple just a few decades ago: cash was king, consumer choices were limited, and savings accounts…
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10.21.26 Winter Heating Costs / Supermarket Price Update
Winter heating bills won’t be pretty, especially in markets that rely on oil for heat. What can you do now to prepare? Taking control of monthly expenses comes down to knowing where the real price traps are hiding. Clark unpacks the latest updates on winter heating trends and shifting food prices...
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10.20.26 Ask An Advisor With Wes Moss
Rapid Fire Q&A: Roth Conversion Traps, RMD Spending Rules, & Switching Careers To Finance Welcome to another edition of "Rapid Fire" on Ask an Advisor! Today, Wes Moss is opening up the listener mailbag to answer your direct financial questions. From navigating tricky Roth IRA 5-year rules to...
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10.19.26 Shield Retirement Savings From AI Scams / For Love And Money
Artificial intelligence is creating unprecedented risks for your retirement savings, with AI-driven fraud causing massive financial losses across the country. Deepfakes and voice-cloning technology have become so advanced that scammers can effortlessly mimic real people, leaving brokerage firms…
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10.16.26 Clark Answers His Critics on Clark Stinks / Winter Travel Strategies
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, even if oil and jet fuel prices drop, major U.S. airlines warn that fluctuating costs mean high airfares are here to stay for the foreseeable future. With flight delays and...
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10.14.26 SPEND LESS On Medical Expenses and When Shopping Online
Secret Hospital Price Lists Exposed & Simple Cart Trick That Saves You Money Healthcare costs are skyrocketing, and with health insurance prices expected to jump even higher, taking control of your medical expenses is vital. Clark shares a radical workaround to save thousands on life-saving...
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10.13.26 Ask An Advisor With Wes Moss
Are High-Yield Investments Dangerously Risky? & Why Wes Updated His Thinking on HSAs Jim Cramer says high yields are dangerous – so is retirement income actually at risk? Wes sets the record straight on high-dividend stocks, interest rates, and how to safely build a yield ladder. Plus, Wes shares…
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10.12.26 Gas Prices & Vehicle Choice / Is Price Tech Stalking You?
With gas prices squeezing wallets, you might be tempted to trade in your current ride for a fuel-efficient hybrid or EV. However, making a permanent financial decision based on a temporary spike in gas prices can cost you thousands in the long run. Before you swap keys to save on fuel, make sure...
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10.09.26 Clark Answers His Critics on Clark Stinks / Home Monitoring Tech
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, is your home insurance company offering free smart tech? It is becoming increasingly common for insurers to send free monitoring devices to prevent two of the biggest – and...
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10.07.26 Interest Rates: Both Sides Of The Coin
Interest rates are up, and Clark addresses how to maximize savings, and what mortgage rates mean for the housing market. The giant monster mega banks are paying an insulting 0.01% on savings accounts, essentially a zero return. What rate should you be looking for elsewhere? Meanwhile, the housing...
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10.06.26 Ask An Advisor With Wes Moss
Interest Rate Spike: Panic or Opportunity? & 7 Most Important Ages In Retirement Planning Why are bond yields climbing so rapidly, and what does it mean for your money? Wes Moss breaks down the massive shift in the $51 trillion U.S. bond market and why higher interest rates might actually be good...
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10.05.26 DIYing to SPEND LESS / Steel Your Heart Against ROMANCE SCAMS
Cut Your Bills by DIYing & Protect Yourself From This Devastating Online Scam "Necessity is the mother of invention"—that classic adage takes on new meaning under today’s cost pressures. High prices are driving many to look for creative ways to stretch a dollar, from scoping out everyday deals to...
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10.02.26 Clark Answers His Critics on Clark Stinks / Health Insurance Sticker Shock
Clark Stinks & Why Health Insurance Costs Are Surging (and How To Prepare) Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, healthcare costs are surging nationwide, and Americans are feeling the squeeze whether they get coverage...
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09.30.26 Financial Scam Prevention / Travel Updates
Alert: Bank Imposter Scam Draining Life Savings & Shocking Truth About Travel Costs Right Now Clark exposes a dangerous financial scam that is draining people’s entire life savings and explains why your protections might not apply if you fall for it. Financial imposter scams are becoming sharper...
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09.29.26 Ask An Advisor With Wes Moss
Secret to Giving Yourself 'Permission to Spend' in Retirement & Are Pensions Back? Wes dives into new research showing that median-wealth retirees underspend their potential income by 8% – and wealthier retirees underspend by a staggering 47% to 53%. Wes breaks down the psychological difference...
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09.28.26 TIPS Vs Bonds / How To Protect Your Social Security Now
How To Inflation-Proof Your Portfolio & The Free Account Everyone Needs To Set Up Before Retirement Navigating your investments as you age can get confusing, especially when rising interest rates make traditional bond funds a scary prospect. While young investors can comfortably ride out stock...
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09.25.26 Clark Answers His Critics on Clark Stinks / Price Drop: Athletic Shoes
Clark Stinks & Deal Alert: Running Shoes Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, running and walking shoe prices are finally dropping, creating a massive money-saving opportunity for your wallet. Major retailers like...
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09.23.26 How To Shop Home Internet / College Savings Strategies
Is Your Internet Provider Ripping You Off? & How Clark Finished College Fast To Save Money Are you still paying the "inertia tax" on your home internet? As giant cable megamergers reshape the market, big providers are steadily jacking up prices on customers who stay on autopilot – just like old...
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09.22.26 Ask An Advisor With Wes Moss
The Dark Side of Retirement (and How To Avoid It) & Lump Sum vs. Monthly Pension Decision Tree Retirement is often touted as the ultimate goal, but Wes reveals why reaching the finish line can bring unexpected challenges. Wes exposes the sobering statistics behind aging in America, emphasizing…
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09.21.26 HELOCked Into A Debt Trap / New Vehicles Under $40,000
The banks are at it again, and Clark wants to make sure you don't fall into a dangerous debt trap. Home equity levels are at record highs as financial institutions aggressively push homeowners to tap equity with HELOCs and cash-out refinances to pay off credit cards or fund lifestyle expenses....
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09.18.26 Clark Answers His Critics on Clark Stinks / AI Baby Monitors?
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, there are new tools for parents to keep track of their babies' health and sleep. These are much more sophisticated than old fashioned monitors. Is there cause for concern? Smart...
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09.16.26 Auto Insurance Warning / Social Media Scam Ads
Clark drops an urgent warning for vehicle owners regarding a massive spike in auto insurance claim denials. If you let a friend, colleague, or extended family member borrow your vehicle to run a quick errand, you could be setting yourself up for financial disaster. Also, a sleazy car insurance…
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09.15.26 Ask An Advisor With Wes Moss
How To Build Wealth Without a Tech Job & Hidden Dangers of Coast FI Forget the myth that you have to work on Wall Street or in Silicon Valley to build massive wealth. Wes reveals the power of the "Everywhere Millionaires" – the 3 million Americans who have accumulated a collective $65 trillion by...
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09.14.26 Home Security Cams / StubHub’s Ticket To A Reckoning
Think you need an expensive, full-blown security system to protect your home? Think again. Clark shares how even a single inexpensive security camera can serve as a massive deterrent against burglars. While surveillance technology certainly has its privacy drawbacks, Clark breaks down the major...
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09.11.26 Clark Answers His Critics on Clark Stinks / Data Centers
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, data centers being built around the country have been polarizing, but one thing is for certain: your electricity bills are going up. Clark describes how the deals are done - often...
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09.10.26 Ask An Advisor With Wes Moss
Rapid Fire Q&A: The "Happiest Retiree" Pet Factor, RMD Alternatives, Fidelity’s New Annuity + More Questions Answered Welcome to our first monthly "Rapid Fire Thursday" episode of Ask an Advisor! Today, Wes Moss is opening up the listener mailbag to answer your direct financial questions. We’re...
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09.09.26 Price Versus Quality / Healthcare, Retirement & Job Lock
Would you pay a lower price for lower quality? Clark readily admits he would - in some cases. Is buying the absolute cheapest option actually saving you money, or is it a hidden trap? Clark breaks down the everyday dilemma between price and long-term quality, sharing where he happily goes...
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09.08.26 Ask An Advisor With Wes Moss
Why the "K-Shaped" Economy is WRONG & What Rising Interest Rates Mean for You Is the "K-shaped" economy an accurate description of what Americans are experiencing today? Wes breaks down why the economy looks less like a "K" and more like an "E" — and what that means for your money, spending, and...
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09.04.26 Clark Answers His Critics on Clark Stinks / Clark & Wes Talk Retirement
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses retirement with Wes Moss including how we can plan for not only a solid financial future, but a happy one as well. Clark Stinks: Segments 1 & 2 Clark & Wes On...
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09.02.26 Timeshare Trap / Shopping Amazon A Better Way
A surprising new study shows that Millennials and Gen Z account for 80% of all new timeshare purchases. In an era where homeownership feels increasingly out of reach for younger generations, buying into a timeshare might offer a psychological sense of owning real estate—but it is one of the worst...
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09.01.26 Ask An Advisor With Wes Moss
In this episode, Wes shares why retiring as soon as possible is more critical than most people realize. He highlights why waiting too long can cost you the best, most active years of your life, and explains how the Retire Sooner Method helps you shave years off your career so you can enjoy true...
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08.31.26 Shopping Healthcare / Dealing With Debt Collection
The American healthcare and financial systems can feel deeply broken, but you are not powerless. With healthcare costs skyrocketing and deductibles growing larger every year, many people feel trapped when facing a medical procedure. Clark shares an instructive real-world story from The Washington...
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08.28.26 Clark Answers His Critics on Clark Stinks / AI & The Tech Effect On Employment
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, every time a major technological shift happens, we hear predictions of widespread job destruction—and the rapid rise of Artificial Intelligence is driving those fears to a whole…
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08.26.26 Food Tossed Is Money Lost / Couples Currency: Best Practices
With food prices sky high, food waste is an area of real concern - and potential savings. Clark breaks down the truth behind confusing expiration dates like "Best By" versus "Use By" as marketing tactics designed to get you to buy more often. Also, Clark tackles a critical and all too common...
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08.25.26 Ask An Advisor With Wes Moss
In this special episode, fiduciary financial advisor Wes Moss answers your top questions on high-yield savings accounts, college planning, investing for grandchildren, preparing for retirement, and more. Whether you’re dealing with falling savings rates or trying to navigate high-yield dividend...
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08.24.26 The U.S. Savings Rate / Home Buyer Warning
The latest financial data shows the U.S. savings rate has dropped to an alarming rate. While many households are struggling just to cover the basics, many middle and upper-middle-class families are falling into the lifestyle trap. Find out what the new rate is and what you should aim for instead....
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08.21.26 Clark Answers His Critics on Clark Stinks / WARNING: Online Medical Services
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, many Americans are ordering medications from online websites and pharmacies, and a major player is being sued by the FTC. Online medical services promising quick prescriptions for...
About this show
Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save
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Clark Howard
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