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The Clark Howard Podcast — 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.

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

Latest Episodes:

12.16.25 Ask An Advisor With Wes Moss Dec 16, 2025

Show notes

How To Feel Good About Spending in Retirement & Big Changes to Your 2026 Taxes

Are you a lifelong saver struggling to spend your retirement nest egg? You're not alone! Many people who successfully save a significant amount face a major psychological hurdle when it comes time to shift from an accumulation mindset to a distribution (spending) mindset. Wes Moss breaks down how to overcome the psychological barrier of watching your retirement balance go down and how to finally feel good about enjoying the money you worked so hard to save. Also, Wes tackles the most timely and impactful tax changes coming up, including a checklist of six critical actions to consider before the end of the year to potentially lower your tax bill for 2026.

Mentioned on the show:

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 16, 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. Let us know what you think in the comments!

Learn more about Wes:

Learn more about your ad choices: megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

12.15.25 Protect Your Retirement Accounts / Electronic Medical Records Dec 15, 2025

Show notes

In this episode - Brokerage accounts lack legal protection. Clark explains how criminals have figured out how to target brokerage and retirement accounts, and 2 steps you can take to protect your invested life’s savings. Plus - More doctor’s offices are moving to digital paperwork, but patient uptake is surprisingly low. Know the advantages of having electronic medical records.

Safeguard Your Investments: Segment 1
Ask Clark: Segment 2
Electronic Medical Records: Segment 3
Ask Clark: Segment 4

Mentioned on the show:

⁠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

12.12.25 Clark Answers His Critics on Clark Stinks / Retirement Planning 2026 Dec 12, 2025

Show notes

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in today’s episode: Take it to the limit - the new retirement account limits. Clark has updates and advice to enhance your retirement saving strategy.

Clark Stinks: Segments 1 & 2
Retirement Planning 2026: Segment 3
Ask Clark: Segment 4

Mentioned on the show:

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

12.10.25 Mortgage Refinance Guidelines / Switching Banks - Easier Than You Think Dec 10, 2025

Show notes

Is now the time to refinance your mortgage? Only if you meet certain criteria. Clark breaks it down. Also - Are you with what Clark calls a Giant Monster Mega Bank? If so, you may be paying fees you don’t have to! Clark’s overview of the banking industry makes it clear, the regional, super regional and giant banks are not your wallet’s friend. Hear how people are migrating their money in a way that’s comfortable for them - a method called “soft switching”.

Mortgage Refi Guidelines: Segment 1
Ask Clark: Segment 2
Banish Bank Fees: Segment 3
Ask Clark: Segment 4

Mentioned on the show:

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

12.09.25 Ask An Advisor With Wes Moss Dec 09, 2025

Show notes

Costly IRA Conversion Warning & the Hidden Billions Americans Are Leaving Behind

In this episode, fiduciary financial advisor Wes Moss tackles a piece of financial advice that he calls "lunacy" and "insanity" – a recent Op-Ed arguing that retirees should convert their entire Traditional IRA to a Roth IRA in a single year. Wes explains why this academic advice is a dangerous real-world strategy, warning listeners about the potential for a massive tax bill that could reach hundreds of thousands of dollars. Also, Wes addresses a sinister issue in retirement savings: billions of dollars in "forgotten" 401(k) balances. Wes warns that this money is often parked in cash or a low-interest money market, missing out on decades of critical growth.

Mentioned on the show: Forgotten 401(k) Accounts Are Costing Americans Billions in Lost Investment Gains Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 9, 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. Let us know what you think in the comments!

Learn more about Wes:

Learn more about your ad choices: megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

12.08.25 Empowerment: Fitness Trackers / Home Equity: When A HELOC Makes Sense Dec 08, 2025

Show notes

Clark makes no secret of his obsession with fitness trackers. Nerd Alert: He wears three. But there’s new data that proves he’s just being, well - Clark Smart. We’re moving into an era where more devices can be monitored by healthcare providers, to potentially save lives - A true case of knowledge is power. Also, homeowners with a lot of equity can be sorely tempted to tap into that money. But when is this type of debt appropriate? And what are the best borrowing options? Clark explains the difference between a home equity loan and a HELOC in a period of lower interest rates.

The New Power of Fitness Trackers: Segment 1
Ask Clark: Segment 2
The Home Equity Decision: Segment 3
Ask Clark: Segment 4

Mentioned on the show:

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

12.05.25 Clark Answers His Critics on Clark Stinks / Recommended: Digital IDs Dec 05, 2025

Show notes

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in today’s episode - so many people have not taken advantage of an easy way to store identification. Why Clark thinks you should do it TODAY.

Clark Stinks: Segments 1 & 2
Digital Identification: Segment 3
Ask Clark: Segment 4

Mentioned on the show:

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

12.03.25 Choose Lifelong Learning / Supporting Adult Children Dec 03, 2025

Show notes

What’s awesome? The trend of lifelong learning. And in this age of emerging AI disruption and uncertainty, it seems to be catching on. Later - Not awesome: Paying expenses for your adult children when it impacts your own financial well-being over time. How prevalent is this practice? Clark shares some surprising statistics.

Life Is For Learning: Segment 1
Ask Clark: Segment 2
Parental Funding: Segment 3
Ask Clark: Segment 4

Mentioned on the show:

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

12.02.25 Ask An Advisor With Wes Moss Dec 02, 2025

Show notes

50-Year Mortgage: Game Changer or Gimmick? & the Key to Winning a 401(k)

Wes Moss dives into the new 50-year mortgage, which he calls a gimmick but sees one potential benefit. Since ownership is key to financial security and the median home-buying age is rising, the concept of starting the equity journey sooner is good. However, Wes and Christa talk about a huge warning if you’re considering it. Also, Wes shares a powerful story about the key to winning your 401(k). The story illustrates a real-life outcome for many Americans, emphasizing how a few years' delay or a few percentage points of savings are huge variables that compound over time.

Mentioned on the show:

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 2, 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. Let us know what you think in the comments!

Learn more about Wes:

Learn more about your ad choices: megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

12.01.25 Homeowners- Are You Underinsured? / Designer Goods For Less Dec 01, 2025

Show notes

We hope you had a great Thanksgiving holiday and spent time with loved ones. Something many of us are not loving - the cost of homeowner’s insurance. But there is something many of us are overlooking - whether we have ENOUGH homeowner’s insurance. Also - is there someone on your holiday list who has a thing for luxury brands? You don’t have to pay luxury prices.

Homeowner’s Insurance: Segment 1
Ask Clark: Segment 2
Lux For Less: Segment 3
Ask Clark: Segment 4

Mentioned on the show:

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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