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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:
    05.07.24 Phone Tap To Pay Spending / Pandemic Pivots Reversing May 07, 2024
    Show notes

    In our everyday payment decisions, many choose Apple Pay or Google Wallet on our phones. Consumer behavior studies show the more convenient the payment method, the more we spend. Don’t let tap to pay, tap you out! Also today - we are finally seeing the results of people wanting to do more in person. Clark discusses how this is affecting some industries, including food delivery.

    • Phone Tap To Pay (More): Segment 1
    • Ask Clark: Segment 2
    • The Ghost Of Kitchens Past: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Using your phone to pay is convenient, but it can also mean you spend more
    • Cash Envelope System: How It Works
    • 10 Best Free Checking Accounts in April 2024
    • AT&T Data Breach: Take These Steps To Protect Your Information
    • How to Freeze Your Credit With Experian, Equifax and TransUnion
    • Ghost Kitchens Are Disappearing, Squeezed by Demand and Complaints
    • Warning for Cell Phone Users: Do Not Use Public Charging Stations
    • What Is a Thrift Savings Plan?
    • Costco vs. Sam's Club: What Is the Difference?


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

    Clark.com resources

    • Episode transcripts
    • Community.Clark.com
    • 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


    05.06.24 Digital Existence Is Tracked / Teen Job Opportunity Abounds May 06, 2024
    Show notes

    How do you feel about targeted ads following you around online? Companies are dreaming up new ways to track us - even when we have our TV show paused! Also, job prospects are great for teens this spring and summer. Now is the perfect time for young people to enter the workforce.

    • Targeted Ads Ubiquitous: Segment 1
    • Ask Clark: Segment 2
    • Teen Jobs: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Google Pledges to Destroy Browsing Data to Settle ‘Incognito’ Lawsuit
    • Why Walmart bought TV-maker Vizio for $2.3 billion - Axios
    • Is that ad following you around the internet creepy or kind of cool?
    • Roku Explores an Insidious Way to Serve up Commercials Via Idle HDMI Inputs | Sound & Vision
    • Roku forcing 2-factor authentication after 2 breaches of 600K accounts
    • Fighting back against harmful voice cloning
    • RESIDENTIAL REAL ESTATE BROKER COMMISSIONS ANTITRUST SETTLEMENTS
    • If you recently sold your home, you might get part of your realtor fee back
    • NAR settlement: Here's what to know about payouts for commission lawsuits
    • Teens Are Spending Less This Year. Where Their Allowances Are Going.
    • CPI Inflation Calculator - Value of $1.60 from 1971 to 2024
    • Charles Schwab Review 2023: Pros & Cons
    • No Surprises Act
    • Cheapest Way to Rent a Car: Expert Tips


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

    Clark.com resources

    • Episode transcripts
    • Community.Clark.com
    • 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


    05.03.24 Clark Answers His Critics on Clark Stinks / Scam Alert: Rampant Gift Card Fraud May 03, 2024
    Show notes

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, why buying a gift card is now tantamount to lighting a $20 bill on fire.

    • Clark Stinks: Segments 1 & 2
    • Gift Card Draining: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Military and Veterans Guide: Free Resources for Your Finances
    • How To Protect Your Home From Being Stolen by Squatters
    • Florida lawmakers pass bill to revoke squatters' rights
    • How to Lower Your Property Taxes in 4 Easy Steps
    • Chinese Organized Crime’s Latest U.S. Target: Gift Cards
    • What Is a CD Ladder and When Is It a Good Idea?
    • BBB-File a Complaint


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

    Clark.com resources

    • Episode transcripts
    • Community.Clark.com
    • 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


    05.02.24 SCAM Alerts: Facebook Marketplace Fraud & Voice Cloning Con Jobs May 02, 2024
    Show notes

    Today Clark’s talking about scams and how to avoid them! First, a special warning if you sell or buy items on Facebook marketplace. Later, AI has enabled crooks to clone voices. This is a huge problem, enabling criminals to trick people into thinking they are talking to a relative, or even a boss. What to look out for so you don’t get ripped off.

    • Facebook Marketplace Scams: Segment 1
    • Ask Clark: Segment 2
    • Voice Cloning Cons: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Facebook Marketplace Scams: Everything You Need to Know
    • Banks and Users Warn of Scammers on Facebook Marketplace
    • 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!)
    • Safer Ways To Send Money
    • Pirate Ship Review: Pros & Cons of This Cheap Shipping Service
    • Number of 401(k) ‘millionaires’ jumped 41% last year, says Fidelity
    • How To Open a Roth IRA / What Are Index Funds?
    • Fighting back against harmful voice cloning
    • What's the Best Way To Donate to a Charity?
    • BBB-File a Complaint
    • How To Dispute a Charge on Your Credit Card
    • Where To Put Your Cash When You’re Saving for a Purchase in Less Than 5 Years


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!


    Clark.com resources

    • Episode transcripts
    • Community.Clark.com
    • 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


    05.01.24 SAVE MORE On Summer AC Costs AND Cell Phone Service May 01, 2024
    Show notes

    You have the power to lower your power bills this summer. Clark offers several ways to reduce summer cooling costs. Also, get notable savings with Visible’s new annual plans, plus new disclosures through broadband ‘nutrition’ labels.

    • Save On AC This Summer: Segment 1
    • Ask Clark: Segment 2
    • Visible Deals & New Broadband Labeling: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • How To Save Money on Utilities- clark.com
    • 6 Smart Ways to Cut Your Utility Bills
    • Federal Tax Credits for Energy Efficiency
    • Energy Efficient Home Improvement Credit
    • HELOC vs. Home Equity Loan: Similarities and Differences
    • Homeowners Insurance Archives - Clark Howard
    • Company and Rating Search - Best's Credit Rating - AM Best
    • Visible Announces New Annual Plans: Save up to $145/Year
    • Visible Review: 5 Things To Know Before You Sign Up
    • Clark.com - CELL PHONES
    • Broadband ‘nutrition’ labels are coming – here’s what you need to know
    • FCC rolls out mandatory ‘nutrition labels’ for internet providers’ plans
    • Should You Buy an Extended Warranty on Your Car?
    • What Is an HSA Account and How Does It Work?
    • Fidelity - Health Savings Account | HSA Investment Options


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

    Clark.com resources

    • Episode transcripts
    • Community.Clark.com
    • 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


    04.30.24 Mad Professor Clark’s Cure For The Housing Crisis / Code-Share Airline Tickets Apr 30, 2024
    Show notes

    As promised, today Clark shares his crazy (like a fox!) idea on how to fix the housing crisis. Also - a warning about buying a code-share airline ticket. Know how code-share tickets work, and often, don’t work.

    • Clark’s Housing Market Fix: Segment 1
    • Ask Clark: Segment 2
    • Code-Share Airline Tickets: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Why many homeowners feel trapped by low-rate mortgages
    • [The Washington Post] Inflation keeps coming in hot, likely delaying interest rate cuts
    • Biden’s manufacturing industry is expanding. That could be bad for inflation
    • 3 Facts That Help Explain a Confusing Economic Moment
    • 10 Best New Products at Costco in April
    • 10 Secrets All Shoppers Need To Know About Costco
    • Avoid the #1 Mistake That Car Buyers Make
    • Simple vs. Compound Interest: Definition and Formulas
    • Clark.com - How To Buy a Used Car
    • How To Open a Roth IRA
    • Help! Air Canada Ruined Our Trip to Ireland but Won’t Take the Blame.
    • Codeshare Flights Explained - NerdWallet
    • Follow Clark Howard's #1 Rule To Travel Cheap
    • Hopper: Book Travel on Mobile


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

    Clark.com resources

    • Episode transcripts
    • Community.Clark.com
    • 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


    04.29.24 A Rethink On Job Stability / A Housing Simplicity Movement Is Underway Apr 29, 2024
    Show notes

    The job market has been a crazy ride over the past several years, and job hopping has become commonplace. But is it still a good idea to chase higher pay? How important is stability and loyalty now? Also today - An old idea by legacy retailer Sears, which sold over 70,000 mail-order homes between 1908 and 1942, has resurfaced. Hear how Home Depot is getting in on the affordable housing market.

    • Job Stability: Segment 1
    • Ask Clark: Segment 2
    • House Building Kits: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Does it still pay to change jobs as salary strategies shift?
    • Here's how salary offers are trending for job hoppers as pay settles into 'new regime'
    • The job market has hit a new normal. Here's why everyone hates it.
    • The Cheapest Cars to Insure in 2024
    • What Are the Cheapest Cars To Insure? (2024 Cost Guide)
    • Robinhood Gold Credit Card: Is It Worth It?
    • Housing market affordability is so strained that Home Depot is selling tiny homes for $63,000
    • Sears Modern Homes
    • Cancel for Any Reason Trip Insurance: Should You Buy It?
    • What should travelers do with all these cruise credits?


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

    Clark.com resources

    • Episode transcripts
    • Community.Clark.com
    • 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


    04.26.24 Clark Answers His Critics on Clark Stinks / Last Minute Cruise Deals Are Back Apr 26, 2024
    Show notes

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, If you love cruising, good news. An old way to get really cheap cruise prices at the last minute is making a comeback.

    • Clark Stinks: Segments 1 & 2
    • Cruise Deals: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • The Best Place To Buy a Mattress
    • The Platinum Card® from American Express Review: Is It Worth It?
    • Target Is Rebranding Its Credit Card Program: What You Should Know
    • NYTimes: Standby Cruising: A New Option for Bargain Seekers
    • Kyte Review: Why a Travel Expert Is Impressed by This New Car Rental Service
    • Turo: 5 Things To Know About the Cheap Car Rental Service
    • What Is a Bridge Loan and How Does It Work, With Example
    • New to volunteering? A How-To-Guide to find the right fit


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

    Clark.com resources

    • Episode transcripts
    • Community.Clark.com
    • 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


    04.25.24 Beware Debt Relief Scams / The Stock Market: Word To Investors Apr 25, 2024
    Show notes

    Right now in the U.S. we have record credit card debt, a huge stressor on so many. To add insult to injury, supposed credit repair companies make things worse for those struggling to get back on their feet. What you need to know. Also, Clark translates the scare stories out now about the stock market and offers direction for investors.

    • Debt Relief Scams: Segment 1
    • Ask Clark: Segment 2
    • Investing & Dollar-Cost Averaging: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Americans’ credit scores are falling. That hasn’t happened in a decade
    • Maxed Out: Inside America's Credit Card Debt Crisis -- and What We Do Next
    • NYTimes: Judge Blocks Debt Settlement Company From Resuming Operations
    • Carrying credit card debt? How to avoid debt relief scams
    • How To Send a ‘Drop Dead’ Letter to a Collection Agency
    • 6 Things To Know Before Contacting the National Foundation for Credit Counseling
    • Clark Howard's 2024 Credit Card Debt Elimination Strategy
    • Is an HSA the Best Way To Save for Future Medical Expenses?
    • Will Social Security Run Out?
    • Should investors keep riding the US markets runaway train?
    • Barrons.com: Worried About Investing in a Frothy Market? Try Dollar-Cost Averaging.
    • Should You Sell or Stay Put in the Stock Market? (Clark.com)
    • Best Investment Companies for Investors in 2024
    • 5 of Clark Howard's Most Extreme Frugal Hacks


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

    Clark.com resources

    • Episode transcripts
    • Community.Clark.com
    • 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


    04.24.24 The Future Of Credit Cards / Buying A TV Apr 24, 2024
    Show notes

    Today - How the recent credit-card settlement affects merchants and your future transactions. Also, do you need the latest greatest television? Clark explains why buying the latest TV technology is a waste of money.

    • New Credit Card Rules: Segment 1
    • Ask Clark: Segment 2
    • Cheap TVs Are Clark Smart: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show:

    • Clark Warns Major Changes To Credit Card Rewards Are Coming Soon
    • NYTimes: Credit Card Swipe Fees Are Going Down. Are Points Going With Them?
    • Visa, Mastercard credit-card settlement could save businesses billions
    • Visa, Mastercard settle long-running antitrust suit over swipe fees with merchants
    • Is an HSA the Best Way To Save for Future Medical Expenses?
    • Why Clark Says Everyone Should Have a Dash Cam
    • NYTimes: Tired of Streaming? Free Blockbuster Libraries Offer an Alternative.
    • AAA IDP International Driving Permit


    Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode!

    Clark.com resources

    • Episode transcripts
    • Community.Clark.com
    • 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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