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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:
    11.28.25 BEST OF: About Clark Howard + A Special Birthday Edition of Clark Stinks Nov 28, 2025
    Show notes

    Happy Thanksgiving Weekend!

    Please enjoy this Special Best Of Birthday episode from last June. Clark returns December 1st with new ways to Save More, Spend Less and Avoid Getting Ripped Off!

    About Clark Howard + A Special Birthday Edition of Clark Stinks

    Today we celebrate Clark Howard’s birthday and the many accomplishments he’s inspired - starting with Clark’s own telling of his life’s trajectory into an ongoing mission of service. And in the second half of the podcast, a sampling of the many appreciations Clarkies sent in to celebrate him today. It may be Clark Stinks day, but on this Birthday he comes out smelling like a high dollar rose bought on sale!

    • About Clark: Segments 1 & 2
    • Clark Stinks-Special BD Edition: Segments 3 & 4

    Mentioned on the show:

    • About Clark Howard
    • Clark Howard: Habitat for Humanity

    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


    11.26.25 Booking Future Travel / New Vehicle Sticker Shock! Nov 26, 2025
    Show notes

    Clark shares a warning about booking any future travel, whether it’s a cruise, rental house, tour or flight - and has two specific guidelines to help protect your money. Also - Vehicles have become increasingly expensive. The average cost for a new automobile has reached an all time high. Know the Clark smart strategies for car buyers.

    • Travel Booking: Segment 1
    • Ask Clark: Segment 2
    • Clark Smart Car Buying: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Why You Should Never Pay for Travel with a Debit Card
    • Travel Insurance Checklist: 5 Types of Coverage To Consider
    • InsureMyTrip Review: Why We Like It and How to Use It
    • Elliott Report: Home
    • Report: The Average Price of a New Vehicle
    • Cars Archives - Clark Howard / How To Buy a Used Car
    • How To Find a Trustworthy Mechanic

    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


    11.24.25 Spotlight: Warehouse Clubs / Scam Prevention Team Work Nov 24, 2025
    Show notes

    We’re starting out this holiday week talking about one of Clark’s great loves - warehouse clubs. Clark discusses how the warehouse club business model works to offer consumers lower prices & how the big three are dominating sales. Also - With AI perfecting voice cloning and all types of scams in general, there’s now a necessary step for every family to take to protect each other and help prevent scams.

    • The Warehouse Club Advantage: Segment 1
    • Ask Clark: Segment 2
    • Your Family Code Word: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Costco vs. Sam’s Club vs. BJ’s Wholesale: Which Is Best?
    • Warehouse Clubs Archives - Clark Howard
    • Automatic Bill Pay: How It Works and How To Do It Safely
    • How Long Will It Take for My Credit Score To Go Up if I Missed a Payment?
    • Why Every Family Needs a Code Word
    • Is It Ever OK To Co-Sign a Loan With a Family Member?
    • Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards

    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


    11.21.25 Clark Answers His Critics on Clark Stinks / Auto Theft: Is Your Car A Target? Nov 21, 2025
    Show notes

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, auto thefts are down, but some vehicles are bigger targets for theft than others - and they’re probably not the models you’d expect. Do you have a car that is more likely to be stolen?

    • Clark Stinks: Segments 1 & 2
    • Prevent Auto Theft: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Should I Ditch My Southwest Airlines Credit Card?
    • Best Airline Credit Cards for 2025: Are They Right For You?
    • OnePay CashRewards Card: Is the New Walmart Credit Card Worth It?
    • What Is an HSA Account and How Does It Work?
    • CarBuzz: Hyundai And Kia Top A List They Really Don't Want To
    • Going to college: Your guide to campus life and money
    • How To Transfer IRA Funds to an HSA

    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


    11.19.25 Save More On Thanksgiving / The Clark Smart Way To Shop Online Nov 19, 2025
    Show notes

    Thanksgiving is upon us and the expense can get crazy. Clark shares ways to spend less on the family feast. Later - you may be charged more when purchasing online because of the WAY you shop, among other factors. How do you know you’re getting the best price? Clark explains “surveillance pricing” and money saving tricks of the trade. Plus, at the very end of the podcast Clark has an important tip for Medicare Advantage plan holders.

    • Save On Thanksgiving Dinner: Segment 1
    • Ask Clark: Segment 2
    • Savvy Shopping Online: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • ⁠Aldi's Thanksgiving dinner is just $4 per person⁠

    • ⁠The Best Deals of Aldi's Middle Aisle in November⁠

    • ⁠#1 Way To Protect Yourself From Credit Card Skimmers⁠

    • ⁠Is a HELOC a Good Idea? The Simple Answer⁠

    • ⁠How To Get the Best Price Possible Shopping Online⁠

    • Secret Pricing Tricks Companies Don’t Want You To Know

    • ⁠How To Use Camelcamelcamel⁠

    • ⁠Clark Deals - Laptops⁠

    • ⁠Booking a Cruise? Here Are 5 Ways To Do It for Less⁠

    ⁠Don’t miss out on the early Christmas gift from your Insurance Company when your Medicare Advantage (MA) plan gets canceled. ⁠⁠

    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


    11.18.25 Ask An Advisor With Wes Moss Nov 18, 2025
    Show notes

    The Ultimate Inheritance for Your Kids and Will AI Actually Create More Jobs?

    In this episode, Wes Moss shares the real-life story of a couple who is wrestling with the common parental dilemma of whether to pay off their son's significant student debt. While the urge to help is strong, Wes breaks down the financial reality, explaining why protecting your own retirement is actually the greatest act of love and generational generosity you can give your kids. Also, Wes shifts gears to the economy, diving into the fear that AI is taking all the jobs. Drawing on a comprehensive World Economic Forum report, he offers a surprisingly optimistic outlook: while some existing jobs will be displaced, the creation of an estimated 170 million new jobs globally will result in a substantial net gain.

    Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 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. 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: megaphone.fm/adchoices

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


    11.17.25 Charity Season Guidelines / Quick Serve Value Wars Nov 17, 2025
    Show notes

    We are in the height of the charitable solicitation season. How do you know what charities are going to use your money in a responsible way? Clark has some guidance for making sure your charity counts. Also, there are value wars happening in the food world that can help you spend less - IF you know how to find the deals.

    • Holiday Giving: Segment 1
    • Ask Clark: Segment 2
    • Fast-Food Value Wars: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • How To Choose the Best Charities for Your Donations - Clark.com
    • Before you donate, find out where the money is going
    • Homeowners Insurance Archives - Clark Howard
    • Axios: The value wars are back as big brands cut prices amid tariffs
    • Should You Ever Buy Travel Medical Insurance?
    • Is Annual Travel Insurance Worth It?
    • Is Chase Sapphire Reserve® Worth It?
    • What's the Total Value of All the Chase Sapphire Reserve® Perks?

    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


    11.14.25 Batteries Not Included / Multigenerational Living Nov 14, 2025
    Show notes

    Today - A form of shrinkflation is affecting toys & electronics this holiday season, but there’s something you can do about it, to save money. Also - Multiple generations living together used to be common in our country, but fell out of favor. Well, it’s back. How do you navigate having your adult kids living in your home?

    • Battery Shrinkflation: Segment 1
    • Ask Clark: Segment 2
    • All In The Family: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Gold Is at All-Time Highs. Should You Invest? (Clark.com)
    • My 7 Rules for Using Credit Cards - Clark Howard
    • This Clark Howard Credit Card Rule Could Prevent a Nightmare Scenario
    • 7 Money Mistakes You Might Be Making at the Gas Station
    • UGMA/UTMA 529 Plans: Benefits and Drawbacks Compared to 529s
    • Best 529 College Savings Plans By State
    • Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later?
    • Clark Howard's Simple Steps To Get Better Customer Service

    Clark.com resources

    • Episode transcripts
    • Community.Clark.com / Ask Clark
    • Clark.com daily money newsletter
    • Consumer Action Center Free Helpline: 636-492-527

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

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


    11.12.25 Shopper Guidance In The K-Economy / Screen Addiction Solutions Nov 12, 2025
    Show notes

    We are in a K-shaped economy again - which creates a clear trend involving a reversal in the pricing of “have to” vs. “want to" purchases. Clark shares what you need to know to stretch every dollar. And… screen addiction. Sick of it, people are tackling the problem in a multitude of ways.

    • Shopping In The K-Economy: Segment 1
    • Ask Clark: Segment 2
    • Just Say NO: Screen Addiction: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Is Now the Time to Get a CD or a CD Ladder?
    • Backdoor Roth IRA: How High Earners Can Still Contribute
    • The Best Phone Plan For You - Compare Phone Plans
    • Should You Switch to a Flip Phone?
    • A group of us ditched our smartphones for a month. It changed us.
    • Why Clark Howard Wants You to Set Up a 'Financial Chromebook'
    • How Do You Prepare for the Likelihood of Long-Term Care Costs?
    • What's Clark's Opinion on the Greenlight Prepaid Debit Card for Kids?
    • What's the Best Savings Account for a Teenager?
    • What Brokerage Do You Recommend for First-Time Investors or Kids?

    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


    11.11.25 Ask An Advisor With Wes Moss Nov 11, 2025
    Show notes

    Top 10 'Overvalued' Cities and Second Act Career: A One-in-a-Million Story In this episode, Wes Moss dives deep into the housing market, revealing why it has become the most extreme buyer's market in a decade. Wes breaks down the latest data, pinpointing the top 10 "overvalued" cities that have the biggest seller-to-buyer imbalance, with some areas seeing over 160% more sellers. He also covers the updated list of the most and least expensive housing markets in the U.S. Also, Wes shares an incredible story about a one-in-a-million "second act" career. Meet Tom Cillo, a 58-year-old who is living out an unfinished purpose by playing college football. Wes shares how Tom's journey can motivate you to find fulfillment, connection, and a sense of purpose in your own "second act," proving it's never too late to pursue a dream.

    Mentioned on the show:

    WSJ - He’s 58 and Trying to Break Into College Football. Is Basketball Next?

    Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 11, 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:

    • BOOKS BY WES MOSS
    • Wes Moss, CFP®
    • Wes Moss - Clark.com

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

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


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