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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
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    • Spotify

    Latest Episodes:
    05.29.26 Clark Answers His Critics on Clark Stinks / Driving To Your Future May 29, 2026
    Show notes

    Friday - Clark Stinks day! Lane (Clark’s wife!) shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - A shocking 81% of consumers admit to routinely making impulse buys. But while small impulse buys hurt your weekly budget, there is one major lifestyle purchase that can absolutely sabotage long-term wealth: our second biggest purchase in life - a vehicle. The average cost of a car has climbed to a whopping $50,000, yet we still get tired of our rides and cycle through them too quickly. By making a single change to how, what, and how often you buy an automobile over your working lifetime—and investing those savings into the stock market instead—you could easily put an extra $250,000 directly into your pocket by the time you retire. Use our Wealth Impact Calculator to turbocharge your retirement savings today:

    All this and more on the May 29, 2026, episode of The Clark Howard Show.

    • Clark Stinks: Segments 1 & 2
    • Car Buying & Your Retirement: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • What Is an HSA Account and How Does It Work? - Clark Howard
    • Is a 401(k) Loan a Good Idea? Almost Never - Clark Howard
    • 401(k) Loan Calculator - Clark Howard
    • Why Does My Locked Credit Card Still Allow Charges? - Clark Howard
    • Lost Your Credit Card? How To Place a Temporary Freeze on Your Account
    • How To Get a Gym Membership for Practically Free - Clark Howard
    • USA TODAY: Why you keep impulse buying, even when broke
    • A Single Change to Your Car-Buying Habits Could Add $250,000 to Retirement
    • Calculator: Wealth Impact of Buying Cars
    • The Best Car-Buying Services - Clark Howard
    • Do I Need a Mechanic Inspection When Buying a Used Car from CarMax or Carvana?
    • 5 Best Places To Buy Pet Medicines - 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


    05.27.26 Spotlight On Home Sellers / Paper Chase Account Security May 27, 2026
    Show notes

    Today - For home sellers, making sure your house is ready and appealing to buyers can mean you have to have a tough skin, but it can pay off. If you want your home to stand out in today's market, you have to nail the first impression. Clark breaks down how to stop turning buyers off and start getting offers. Also, Clark shares a terrifying cautionary tale that will make you think twice about choosing "paperless" billing. A systems glitch at Fidelity completely wiped out a Colorado woman's life savings, leaving her account balance at zero with no electronic record that she ever even existed. It took months of stressful battles with a flippant customer service department to restore her decades of hard work. There are currently forces at work that could leave you entirely responsible for proving your own net worth. While Clark isn't telling you to stuff cash under your mattress, he is sounding an urgent warning.

    Plus, Lane (Clark’s wife!) shares your #AskClark questions and Clark gives his take. All this and more on the May 27, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark

    • Word To Home Sellers: Segment 1
    • Ask Clark: Segment 2
    • Money Fails & Paper Trails: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • These Are the 2 Biggest Hidden Expenses When Selling a Home
    • How To Buy a House in 9 Steps - Clark Howard
    • NYTimes: Her Life Savings Mysteriously Disappeared After a Systems Glitch
    • Why You Need Paper Evidence of Your Financial Accounts
    • Should You File for Bankruptcy? - Clark Howard
    • 6 Things To Know Before Contacting the National Foundation for Credit Counseling

    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


    05.26.26 Ask An Advisor With Wes Moss May 26, 2026
    Show notes

    Forced To Retire Early? The Shocking Data Everyone Needs To Know & Market Warning for Investors

    Why do most Americans retire years earlier than they planned? In this episode, Wes Moss breaks down a startling trend from recent 2026 retirement studies. While most workers plan to clock out around age 65 or 66, the data shows the average actual retirement age is 61 or 62. Wes explores the three major reasons behind this gap – and shares the exact planning strategy you need to protect your financial future. Also, Wes dives into recent market volatility. While the market managed a shockingly fast 12-day recovery, Wes issues a crucial warning: this speed is the exception, not the rule. Learn the historical reality of market corrections so you don't get lulled into a false sense of security.

    Plus, Mallory shares your #AskWes questions and Wes gives his take. All this and more on the May 26, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.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


    05.22.26 Clark Answers His Critics on Clark Stinks / Life Saving Health Tracking May 22, 2026
    Show notes

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, while many of us use fitness trackers to count steps or monitor sleep, the latest data shows some of these devices are evolving into genuine lifesavers. Clark has worn a Garmin for twenty years and a Samsung smartwatch, but the Oura Ring has truly impressed him and for good reason, as new findings indicate.

    • Clark Stinks: Segments 1 & 2
    • Oura Reports: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Is Turo Legit? 5 Things To Know Before You Use It
    • 5 of Clark Howard's Most Extreme Frugal Hacks
    • What Is Umbrella Insurance and Do You Need It? - Clark Howard
    • The Insurance Policies You Need (and Some You Don't)
    • What Age Are Americans Actually Starting Social Security?
    • Term Life vs. Whole Life Insurance: Understanding the Difference
    • Oura Ring Helps Uncover 'Multiple Cases of Lymphoma,' Says Its Chief Medical Officer
    • Axios: Finish Line: The quiet rise of "prescribing connection"
    • 4 Ways To Stop Junk Mail - Clark Howard
    • How To Choose the Best Charities for Your Donations - Clark Howard
    • Memorial Day 2026: Facts, Meaning & Traditions

    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


    05.20.26 Rules Of Travel: Rental Cars 101 & A Deal Destination May 20, 2026
    Show notes

    With Memorial Day weekend upon us, Clark shares important travel know-how. Navigating the rental car counter has become more like rocket science than a simple travel chore, but protecting your wallet starts with a few simple steps. With "car rental rage" on the rise due to surprise charges and poor service, it is critical to follow Clark’s timely rules. Also, if you’re looking for a domestic getaway, soft demand in a normally popular travel market presents a golden opportunity for the savvy traveler!

    • Clark’s Rental Cars 101: Segment 1
    • Ask Clark: Segment 2
    • Vegas Nerve: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • How to Protect Your Wallet From Rental Car ‘Gotchas’⁠
    • Cheapest Way to Rent a Car: Expert Tips - Clark Howard
    • Credit Card Car Rental Insurance: What You Need To Know
    • American Express Platinum Card® Review: Is It Worth It?
    • Amex premium car rental protection
    • 5 Things to Know About the Costco Car Rental Program
    • 3 Reasons You Should Never Book a Nonrefundable Hotel Room
    • What Domestic Destination Is a Deal Right Now?
    • HotelTonight: Last Minute Hotel Deals at Great Hotels
    • Priceline - Find Cheap Hotel Rooms & Discount Hotels
    • Travel Archives - 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


    05.19.26 Ask An Advisor With Wes Moss May 19, 2026
    Show notes

    10 Essential Duties of a Real Fiduciary Financial Advisor (It’s Not Just Investing)

    If you think a financial advisor’s only job is to pick stocks, you’re missing out on the most valuable services a true fiduciary provides. In this episode, Wes Moss breaks down the ten essential roles a fee-only advisor should play. Whether you are engineering a retirement cash flow or navigating the emotional rollercoaster of market volatility, learn why a real fiduciary is your "personal CFO" for every major life decision, not just your investment portfolio.
    Mentioned on the show:

    • What Is a Fiduciary Financial Advisor and Do I Need One?
    • Best Financial Advisors in 2026 - Clark Howard
    • How To Find and Choose a Financial Advisor - Clark Howard

    Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the May 19, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.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


    05.18.26 Saving: Take It Up A Notch / Furniture Sales Traps May 18, 2026
    Show notes

    Recent financial statistics reveal something highly disturbing: The average American saves just 4% of their pay. Saving just four cents of every dollar earned is inadequate to provide long-term security and leaves the majority of the country living on the edge of a financial cliff. If you find yourself stuck in this cycle, it is time to embrace the "penny-at-a-time" strategy. Also, the upcoming Memorial Day weekend brings massive sales events at furniture stores. The industry is flat on its back due to a frozen housing market, with many retailers in acute financial distress. If you’re in the market for furniture, know how to play the pay game strategically to avoid getting burned.

    • Average Saving Doesn’t Cut It: Segment 1
    • Ask Clark: Segment 2
    • Warning: Furniture Sales: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • 4 simple ways to start saving
    • Save Money Archives - Clark Howard
    • Simple Trick To Pay Down Credit Card Debt Quicker - Clark Howard
    • What Brokerage Do You Recommend for First-Time Investors or Kids?
    • 4 Types of Term Life Insurance Companies Explained - Clark Howard
    • Why You Need To Check Your Credit Report Today - Clark Howard
    • Why You Should Never Use a Debit Card at a Furniture Store
    • 5 Things to Know About New Settlement That Could Change Credit Card Rewards
    • SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About
    • This Simple iPhone Update Stops Dangerous Spyware From Stealing Your Data
    • What Is a Passkey and How Do Passkeys Work?

    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


    05.15.26 Clark Answers His Critics on Clark Stinks / Key Homeowners Insurance Rule May 15, 2026
    Show notes

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, a knock on your door from a roofer claiming they’ve spotted hail damage via drone might feel like a lucky break, but it’s often a trap. While the idea of getting a "free new roof" is tempting, filing small or questionable claims is an abuse the industry no longer tolerates. Clark’s home insurance philosophy is an essential must-know to protect your wallet.


    • Clark Stinks: Segments 1 & 2
    • Hail Damage Claims: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • 10 Ways To Save on Prescription Drugs - Clark Howard
    • Why You Should Consider Security Cameras (Without the Monthly Subscription)
    • 6 Cheap DIY Home Security Systems - Clark Howard
    • Why Study Abroad Can Lead To Higher Starting Salaries For U.S. Graduates - Forbes
    • Clark Howard: Habitat for Humanity / Habitat
    • Rethinking Homeowners Insurance: The Catastrophe-Only Rule
    • When Should You File a Claim on Your Homeowners Insurance?
    • Homeowners Insurance Archives - Clark Howard
    • Where Should You Keep Your Cash Reserve? - Clark Howard
    • Scam Alert: New ‘Party Invite’ Message Can Empty Your Bank Account


    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


    05.13.26 The True Cost Of 401(k) Loans / A New Era in Auto Sales May 13, 2026
    Show notes

    While Congress has made it easier than ever to access 401(k) funds through hardship withdrawals, this can be a dangerous trap for your future self. Losing out on decades of compounded interest has long-term consequences. Before you hit retirement savings to cover a financial bump, use the Team Clark 401(k) Loan Calculator to see the true cost of that withdrawal – it might just convince you to find another way to bridge the gap. Also, Clark breaks down how Amazon has partnered with vehicle brands in new markets, offering another option for more streamlined car buying. Know how to bypass the gimmicks and games to get a fair price on your next vehicle.

    • 401(k) Loans: Segment 1
    • Ask Clark: Segment 2
    • The Car Buying Process: Segment 3
    • Ask Clark: Segment 4

    Mentioned on the show:

    • Is a 401(k) Loan a Good Idea? Almost Never - Clark Howard
    • 401(k) Loan Calculator (Clark.com)
    • Clark Howard's Special Rule for Refinancing Your Mortgage
    • Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option
    • Why You Should Never Store Your Payment Information Online
    • Top 7 Ways To Shop Safely Online - Clark Howard
    • Why Amazon and Costco May Be The Best Ways to Buy Your Next Car
    • The Best Car-Buying Services - Clark Howard
    • Report: 4 Used Electric Vehicles Under $25,000 - Clark Howard
    • What Mileage Should I Target on a Used Electric Vehicle?
    • CR - Used Hybrids & EVs Ratings
    • SIXT+ | Your Car Subscription
    • Should You Ever Lease a Car? - 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


    05.12.26 Ask An Advisor With Wes Moss May 12, 2026
    Show notes

    Clark Howard & Wes Moss: Your Top Money Questions Answered!

    In this special episode, Clark Howard and Wes Moss join forces to answer real-world money questions from people just like you. No jargon, no fluff – just actionable advice to help you reach your goals faster.

    Mentioned on the show:

    • Roth 401k Calculator - Clark Howard
    • Roth vs. Traditional 401(k): What's the Difference? - Clark Howard
    • Why Clark Howard Is Obsessed With Roth for Retirement Savings
    • Backdoor Roth IRA: How High Earners Can Still Contribute

    All this and more on the May 12, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.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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