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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:
    07.18.23 Summer Travel Update / Clarkonomics: Recession Or What? Jul 18, 2023
    Show notes

    With the second wave of summer travel upon us, Clark has an update on mid to late summer travel prices. Also in this episode, Clark looks at the likelihood of recession as a normal part of a free market, how it would compare by historical measures, the negative and positive effects on the economy, and what you need to know if the economy does slow.

    • Summer Travel Update: Segment 1
    • Ask Clark: Segment 2
    • Recession Explainer: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show

    • [The Washington Post] People are spending less on hotels, flights and restaurants
    • NYTimes.com: Revenge Spending Helped Push Prices Higher. The Trend Is Turning.
    • 4 Things You Should Always Pack in Your Carry-On
    • How SVB’s failure 3 months ago has changed banking (and how it hasn’t)
    • Guide: Big changes are coming to retirement savings rules and tax breaks because of the SECURE 2.0 Act of 2022
    • What Is a CD Ladder and When Is It a Good Idea?
    • Clark.com - Invest & Retire
    • FDA - Outbreak Investigation of Hepatitis A Virus Infections: Frozen Strawberries (Feb. 2023)


    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


    07.17.23 STUDENTS: Establishing Credit / Remote Work Dilemma Jul 17, 2023
    Show notes

    As back-to-school season approaches, Clark shares opportunities to help students begin to establish credit. Also today, from fully remote to hybrid work, to mandatory return to the office - employers are reevaluating the remote option, leaving some employees with serious decisions to make.

    • Building Student Credit: Segment 1
    • Ask Clark: Segment 2
    • Remote Work Dilemma: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show

    • Best Credit Cards for Students: Top Picks for 2023
    • A Simple Way To Help Your Kid Build Credit
    • Should You Make Your Child an Authorized User on Your Credit Card?
    • Deciding what to do when your employer changes the rules on remote work
    • What Is an Annuity, and Why Does Clark Think They Stink?


    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


    07.07.23 BEST OF: Clark Answers His Critics on Clark Stinks / Credit Report Inquiries & Scores Jul 07, 2023
    Show notes

    Please enjoy this Best Of episode. Clark returns from travel adventures July 17th.

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark explains the difference between hard inquiries and soft hits to your credit report, and other factors that affect your credit report and score.

    • Clark Stinks: Segments 1 & 2
    • Credit Report Inquiries: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show

    • Follow Clark Howard's #1 Rule To Travel Cheap
    • Southwest Offers Companion Pass through Credit Card for Limited Time
    • VENMO - Fees
    • CBS-CreditKarma tricked customers into thinking they were pre-approved for credit cards-FTC
    • Credit Karma Review: Free Credit Score and More at Your Fingertips
    • Credit Karma vs. Credit Sesame: Is One Better Than the Other?
    • The Difference Between a Hard Inquiry and a Soft Inquiry on Your Credit Report
    • How To Get a Free Credit Report
    • Best Investment Companies
    • What the Great Netflix Password Crackdown Means for You
    • Netflix Password Sharing Crackdown Will Affect 100 Million Users. Here’s What You Should Know
    • Clark.com: Is Netflix Ending Password Sharing in the United States? What We Know So Far
    • Clark.com - Streaming TV / Clark.com: Sling Freestream


    Clark.com resources

    • Episode transcripts
    • 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


    07.06.23 BEST OF: Increased Fraud Requires Vigilance / HOTELS: What To Check Out Before Check In Jul 06, 2023
    Show notes

    Please enjoy this Best Of episode. Clark returns from travel adventures July 17th.

    One major key to financial freedom is avoiding ruinous fraud. Recent reporting shows ponzi schemes up 70% over the year, so it’s vital to be aware of what’s coming at you through various channels. Clark’s primer on what to look out for includes incoming alerts and what NEVER to click on. Also, hotel brand consistency has given way to sales considerations in the industry overall, devaluing brands. Know what this means for you when booking a hotel.

    • Fraud Prevention: Segment 1
    • Ask Clark: Segment 2
    • What’s In A Hotel Name? Nothing: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show

    • Barrons.com: Ponzi Schemes Surged in 2022. Many Involved Crypto.
    • WPO - Friend or fraud: Seven ways to spot a Ponzi scheme, and other scams
    • NYTimes: Retirees Are Losing Their Life Savings to Romance Scams. Here’s What to Know.
    • ArsTechnica-Mysterious leak of Booking.com reservation data is being used to scam customers
    • Worried about crypto exchange losses? Don’t pay money for “help” recovering money
    • 5 Steps To Getting a Good Deal on a Hotel Room
    • Scott's Cheap Flights | Save Up to 90% on Flights
    • [The Washington Post] Expensive flights are here to stay, but there’s good news
    • Top Travel Deals - Clark Howard


    Clark.com resources

    • Episode transcripts
    • 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


    07.05.23 BEST OF: Speculation Vs Real Investing / Beware Fake Shopping Sites Jul 05, 2023
    Show notes

    Please enjoy this Best Of episode. Clark returns from travel adventures July 17th.

    Many took the wrong lesson from the speculative fever of 2020-21. As meme stock & crypto frenzy stoked message boards, people drove values up, and many ended up with heavy losses. Gambling & speculation should never be confused with investing. Understand the power of DULL and other lessons from a tortoise investor. Also, a booming scam area - FAKE search results and FAKE ads on social media with links to FAKE shopping sites. A few easy steps will help keep you safe from online scams. Clark gives you the rules of the road for shopping online.

    • Gambling Vs Investing: Segment 1
    • Ask Clark: Segment 2
    • Fake Shopping Sites: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show

    • WSJ - The Retreat of the Amateur Investors
    • 5 Sneaky Ways To Improve Your Credit Score
    • NYTimes.com: With Many Retailers Offering Online Sales, Phony Sites Blend In
    • Clark.com- How To Spot a Fake Online Store in 6 Easy Steps
    • Virtual Credit Cards: An Online Security Measure Worth Taking?
    • Fidelity Investments Review 2022: Pros & Cons
    • Metro by T-Mobile: 6 Things To Know Before You Sign Up
    • T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
    • Verizon Home Internet: Things To Know Before You Sign Up
    • Clark Howard's 4 Travel Rules You Should Follow Right Now


    Clark.com resources

    • Episode transcripts
    • 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


    07.04.23 BEST OF: The Importance Of Neighbors / Getting Credit Card Debt Under Control Jul 04, 2023
    Show notes

    Happy 4th of July! Please enjoy this Best Of episode. Clark returns from travel adventures July 17th.

    Clark waxes poetic on the topic of neighbors. What’s this got to do with money? Plenty. Also in this episode, consumers are borrowing more and credit card debt is up along with interest rates on that debt. Clark reviews the unprecedented difficulties that got us here, and offers strategies for cutting expenses and getting credit card debt under control.

    • Know Thy Neighbor: Segment 1
    • Ask Clark: Segment 2
    • Credit Card Debt Control: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show

    • Sue Thy Neighbor: Homeowner Spats Over Fences,Trees & Additions Get Nastier -WSJ
    • Clark.com - Timeshares
    • The #1 Bill You Should Make Sure You Get by Mail
    • No more paper statements only electronic - Clark Howard Community
    • US consumers increased their borrowing by $28 billion in November
    • Your Passport Could Be Useless -- Even if It's Not Expired
    • 22 Ways To Save Money on Groceries
    • How to Budget With a Cash Envelope System
    • Why You Should Keep Old Credit Card Accounts Open
    • Should You Get a Store Credit Card?


    Clark.com resources

    • Episode transcripts
    • 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


    07.03.23 SPECIAL EDITION: Your Travel Stories! Jul 03, 2023
    Show notes

    We’re in a unique travel season this year, so we asked for travel stories unique to you - good and bad - and you delivered! Clark shared a story about putting layers of clothing on in order to avoid baggage fees. Apparently, he’s not the only one: Hate Baggage Fees? Wear a Fishing Vest on the Plane - The Wall Street Journal. Team Clark thanks our fellow Clarksters for sharing their misadventures and lessons learned navigating the wide world of Travel for this special episode. Happy 4th of July Week!

    Clark.com resources

    • Top Travel Deals
    • ClarkDeals- Travel


    • 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


    06.30.23 Clark Answers His Critics on Clark Stinks / Explainer: Zombie Mortgages Jun 30, 2023
    Show notes

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark explains the rise of the zombie mortgage, with origins dating back to the lending practices of 2001 - 2007 leading to the housing bust & great recession. Learn why years later, people are now getting foreclosure notices on old home equity loans & second mortgages, and the best course of action for those facing this.

    • Clark Stinks: Segments 1 & 2
    • Zombie Mortgages: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show

    • Warning: Never Get Roadside Assistance From Your Insurance Provider
    • 401(k) Match: What Is It, How It Works
    • Sam’s Club® Mastercard® Review 2022: Earn 5% Back on Gas Purchases
    • Apple Trade In
    • Zombie Mortgages Could Force Some Homeowners Into Foreclosure
    • Southwest Airlines Wanna Get Away Plus
    • UShip Review: 5 Things To Know Before You Use the Shipping Service


    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


    06.29.23 The RV Market Now / When You Need A Travel Agent Jun 29, 2023
    Show notes

    Good news if you’re interested in life on the road - specifically RV life. If you’re in the market, Clark explains why it’s a good time to buy, and offers direction on what type of RV to choose. Also today, travel agents almost went extinct, but the industry is growing again. Get Clark’s advice on when you need a travel agent, and the best way to choose one.

    • The RV Market: Segment 1
    • Ask Clark: Segment 2
    • When & How To Hire A Travel Agent: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show

    • RV Market Slows as Inflation, Rising Rates Cool Demand - The Wall Street Journal.
    • Clark Howard's 5 Money Tips for Couples
    • 6 Things To Know Before Contacting the National Foundation for Credit Counseling
    • Amazon discontinues Amazon Halo effective July 31 (aboutamazon.com)
    • 15 of the Best Free Workout And Fitness Apps
    • Is Apple Card Worth It? 5 Things To Know in 2023
    • When Do You Need a Travel Agent?
    • TripIt - Highest-rated trip planner and flight tracker
    • Your Passport Could Be Useless -- Even if It's Not Expired
    • Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards
    • How To Save Money With Google Flights


    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


    06.28.23 What’s Your Money Philosophy? / Residential Solar Update Jun 28, 2023
    Show notes

    Summed up in a sentence - what’s your money strategy? Clark shares money philosophies courtesy of Humble Dollar. Also in this episode, Things are rapidly changing in the solar energy industry. Clark has an update on how to approach roof solar and the microgrid community solar advantage.

    • Money Philosophies: Segment 1
    • Ask Clark: Segment 2
    • Solar Power Update: Segment 3
    • Ask Clark: Segment 4


    Mentioned on the show

    • How would you summarize your financial philosophy in one sentence?
    • Hiring a Contractor Checklist and Tips - 6 Tips for Hiring a Contractor
    • Community Solar Saves Money With Solar Energy – Without Changing Your Roof
    • Search projects by zip code: CommunitySolar-EnergySage
    • The Solar Power Landscape Is Changing. Here's What That Means for You
    • Should You Manage Your Own Investment Portfolio?
    • What Is a Fiduciary Financial Advisor and Do I Need One?
    • Comparing Hybrid Financial Advisors: Vanguard vs. Schwab vs. Fidelity
    • How to Deal With Medical Debt


    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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