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    Business

    The Clark Howard Podcast

    Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. 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 more, spend less and avoid ripoffs.

    Advertise

    Copyright: Copyright © 2023 Clark Howard Inc. All rights reserved.

    • Apple Podcasts
    • Google Play
    • Spotify

    Latest Episodes:
    04.22.26 Couples & Money / Cruise Ship Retirement Apr 22, 2026
    Show notes

    Clark takes on the touchy subject of merging finances with a significant other. The transition from financial independence to shared responsibility requires planning and ongoing conversations. Clark warns that silence is the enemy of a healthy relationship. Also today, Clark revisits the popular dream of retiring on a cruise ship. While "living at sea" was once considered a brilliant financial hack, the post-COVID landscape has changed the math entirely. Clark breaks down the current reality.

    • Couples & Finances: Segment 1
    • Ask Clark: Segment 2
    • Cruise Ship Residency: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Clark Howard's 5 Money Tips for Couples
    • Backdoor Roth IRA: How High Earners Can Still Contribute
    • Roth vs. Traditional 401(k): What's the Difference? - Clark Howard
    • My Teenage Daughter Just Got $2,000. Should I Open a Bank Account for Her?
    • Living on a Cruise Ship in Retirement: A Brilliant Hack or a Costly Mistake?
    • Elliott Report: Home
    • Unclaimed Money: How To Find and Claim Missing Funds for Free
    • Going™ | Flight Alerts, Mistake Fares & Cheap Tickets


    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


    04.21.26 Ask An Advisor With Wes Moss Apr 21, 2026
    Show notes

    Why Successful People Struggle With Retirement & What’s Going On With the Economy?

    In this episode, Wes tackles the psychological hurdle that many high-achievers face when they finally reach the "Retirement Green Zone." After decades of using hard work, discipline, and ambition to build a nest egg, it can be incredibly difficult to simply turn that drive off. Wes discusses the "ambition guilt" that many retirees feel when they pursue creative hobbies or passions that don’t generate a paycheck. Rather than viewing this transition as "lowering" your ambition, Wes argues that the key to a happy retirement is rechanneling that legendary work ethic into areas that feed your soul instead of your bank account. Also, it can feel like we’re in a confusing state of the 2026 economy, where record-breaking corporate data seems at odds with the reality on the ground. While U.S. company profits soared by 26% in late 2025 and nominal GDP has grown significantly since 2019, many consumers are still feeling the weight of high prices. Wes explains how we are living in a "K-shaped" economy and breaks down what these disparities mean for your wallet and how to navigate an environment where productivity is higher than ever, but the benefits aren't being shared equally.

    Mentioned on the show:

    • How I Became Less Ambitious—and Happier—in Retirement
    • Pension vs Lump Sum Calculator - Clark Howard

    Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 21, 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


    04.20.26 Subscription-Free Security Cameras / Fast vs. Free Delivery Apr 20, 2026
    Show notes

    Security cameras can work well to help protect your home and safety. Clark references Consumer Reports and CNET reviews highlighting quality, DIY camera options that offer motion alerts and peace of mind without the recurring bill. Also today - Online purchases mean delivery decisions, amid offerings of ultra-fast delivery from Amazon and its e-commerce competitors. Clark warns that there is nothing "free" about shipping. The trend is to receive items the day you order them, often in hours. But there’s another option that goes the opposite way - delayed delivery for less money. That trend is your friend.

    • Home Security: Segment 1
    • Ask Clark: Segment 2
    • Delivery Options: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Best Home Security Cameras Without a Subscription, Tested and Reviewed (Consumer Reports)
    • Best Home Security Cameras Without Subscriptions in 2026
    • 5 DIY Home Security Upgrades That Can Lower Your Insurance Premium
    • American Agency System: Independent Insurance Agents Explained
    • What Is Identity Theft Insurance and Should You Buy It?
    • How To Prevent, Report and Repair Identity Theft - Clark Howard
    • The 20 Cheapest Cars To Insure In 2026, Ranked
    • 5 Best Grocery Delivery Services - Clark Howard
    • How To Get a Free Credit Report - Clark Howard
    • Credit Karma Review: Free Credit Score and More at Your Fingertips
    • NIH Clinical Research Trials and You / ClinicalTrials.gov: Home
    • The Complete Guide to Traveling With Your Dog


    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


    04.17.26 Clark Answers His Critics on Clark Stinks / Booking Travel - New Guidance Apr 17, 2026
    Show notes

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - the travel industry’s ongoing reaction to rising fuel costs calls for new guidance for booking travel. Clark reveals why he never starts his search on an airline’s website and how a simple shift in your booking psychology can save you hundreds.

    • Clark Stinks: Segments 1 & 2
    • New Rules Of Travel: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • IRS - 2026 Charitable contributions
    • SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About
    • How Passkeys Work—and How to Use Them
    • Storage Unit Prices Keep Going Up. Is There a Better Way To Store My Possessions?
    • eBay Motors and WeGoLook Partner to Provide Onsite Inspections for Vehicles
    • The Details on Transferring 529 Funds into a Roth IRA
    • The Tax-Saving Charity Funds Wealthy People Are Buzzing About
    • Airfares Skyrocket as Carriers Tackle Rising Fuel Costs
    • Clark Howard’s Secrets to Beating Sky-High Airfares and New Hidden Fees
    • Follow Clark Howard's #1 Rule To Travel Cheap
    • 4 Ways To Fight Sky-High Airfares This Summer
    • Is ID.me Safe? / About ID.me

    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


    04.15.26 Two Sides To AI In Real Estate / Study Abroad An A+ Move Apr 15, 2026
    Show notes

    The real estate market is traditionally at its height in the spring. This year, AI is factoring into home sales in two distinct ways. While AI slop infests listings, AI is improving the mortgage approval process. Know what to look out for as a homebuyer. Also, is studying abroad worth the cost? At a time when grads’ job prospects are jumbled by market upheaval, a new study shows that a semester overseas can boost a graduate's starting salary by thousands. And the advantages don’t end there. Clark explains how some students are taking the idea a step further.

    • AI In Real Estate: Segment 1
    • Ask Clark: Segment 2
    • Study Abroad - OUI!: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Why You Can No Longer Trust Real Estate Photos⁠
    • The Unsettling Rise of AI Real-Estate Slop
    • 3 Places You Should Never Invest Your Money - Clark Howard
    • What Is Umbrella Insurance and Do You Need It? - Clark Howard
    • Why Study Abroad Can Lead To Higher Starting Salaries For U.S. Graduates - Forbes
    • Preparing to study abroad requires knowing what might go wrong during and after the trip
    • NYTimes: How to Prepare for Your First River Cruise
    • When Do You Need a Travel Agent? - 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


    04.14.26 Ask An Advisor With Wes Moss Apr 14, 2026
    Show notes

    How To Find (and Afford) Your Dream Home in Retirement

    Deciding where to spend your retirement is one of the most significant transitions you’ll ever make, but it requires a systematic approach to get it right. Whether you plan to stay in your current home or relocate to a new destination, your environment directly impacts your long-term happiness. In this episode, Wes Moss shares tips to find – and afford – your dream community in retirement. Many retirees face the "housing overlap headache," where you find your new home in five minutes, but it takes five months to sell your old one. If you don't want to carry a mortgage or trigger a "tax tsunami," Wes breaks down a strategy that can help.
    Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 14, 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


    04.13.26 Self-Storage Savvy / Heir Apparent: Plan & Preserve Your Estate Apr 13, 2026
    Show notes

    One in five Americans uses self-storage units. How do you avoid rip-offs in an industry long characterized by bait & switch tactics? Learn Clark’s strategies for avoiding such price hikes, and essential steps for protecting your belongings. Also, you may have seen the news stories about the late Jimmy Buffet’s family doing battle over his estate. Believe it or not, this type of situation is not that rare. The "Great Wealth Transfer" has ushered in a surge of estate disputes. Clark shares how smart planning now can help prevent family conflicts and legal fees from eroding your legacy.

    • Self-Storage Savvy: Segment 1
    • Ask Clark: Segment 2
    • Prevent Estate Battles: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Do You Really Need a Storage Unit?
    • 5 Things To Do Before You Rent a Storage Unit
    • FT - Overcharged for Storage? U-Haul 1-Year Price Lock Delivers Certainty
    • Storage Unit Prices Keep Going Up. Is There a Better Way To Store My Possessions?
    • The Costco Price Secret Almost Nobody Knows - Clark Howard
    • Emergency Fund: Everything You Need to Know - Clark Howard
    • How To Prevent an Inheritance Nightmare
    • USA TODAY: Why inheritances are generating more bad blood and legal fees
    • 7 Things to Consider Before Leaving Your Home to Your Kids
    • Why Clark Howard Wants You to Set Up a 'Financial Chromebook'
    • My Social Security: The Free Account Everyone Needs To Set Up Before Retirement

    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


    04.10.26 Clark Answers His Critics on Clark Stinks / Scammers Going For Broke Apr 10, 2026
    Show notes

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Scam artists are getting more sophisticated and they’re targeting your retirement funds. Clark explains this digital crime wave and how fraudsters are using sophisticated tools & tricks to get into your accounts. The first step in protecting your money is being aware of some of the latest techniques these criminals use.

    • Clark Stinks: Segments 1 & 2
    • Scam Vigilance: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • 5 Best Robo-Advisors - Clark Howard
    • When Is the Best Time To Collect Social Security? - Clark Howard
    • Term Life vs. Whole Life Insurance: Understanding the Difference
    • How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard
    • Fraud Is Skyrocketing: 5 Ways To Protect Your Hard-Earned Assets
    • Why You Should Never Click on Random Text Messages
    • thestreet: Vanguard warns fraud is quietly draining retirements now
    • Protect Your Rights & Identity Archives - Clark Howard
    • How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
    • Virtual Credit Cards: An Online Security Measure Worth Taking?
    • Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans


    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


    04.08.26 Booking Rules Of Travel / Cell Phone Bans Apr 08, 2026
    Show notes

    Today - if you’ve been planning summer travel, you may have sticker shock from hotel & airfare costs. Travel inflation is real, so it pays to know Clark’s "Golden Rules" for booking to ensure you don't overpay. Also, Clark discusses the growing movement to ban cell phones in schools, restaurants, and concert venues. Some businesses and artists are jumping on the cell phone BAN-wagon.

    • Flight & Hotel Booking: Segment 1
    • Ask Clark: Segment 2
    • Cell Phone Bans: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Follow Clark Howard's #1 Rule To Travel Cheap
    • The Best Way to Find Hotel Deals When Prices Are Sky-High
    • Hopper | Book Hotels, Flights, Car Rentals & More
    • How To Pack a Carry-On the Right Way - Clark Howard
    • Protect Your Identity Archives - Clark Howard
    • Why You Need To Lock Your Brokerage Account Today
    • How To Find and Choose a Financial Advisor
    • Which Documents Should You Keep and for How Long?
    • 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


    04.07.26 Ask An Advisor With Wes Moss Apr 07, 2026
    Show notes

    Young Investors Are Taking Big Risks & Costly Pension Mistake

    Are you feeling financially behind? You aren’t alone. Wes Moss reveals that a staggering 73% of Americans feel like they are losing the financial race — and why the "solution" many are turning to is actually a dangerous trap. Wes explains how to leverage your greatest asset to build real, lasting wealth through patient accumulation. Also, Wes tackles the "Pot of Gold" syndrome that haunts retirees. A study from MetLife shows that one in five Americans who receive a pension lump sum run out of that money in an average of just four years. Learn how to protect your future by turning a one-time lump sum into a permanent stream of financial freedom.

    Mentioned on the show: How To Turn Part of Your Nest Egg Into a Pension

    Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 7, 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


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