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.
Episodes
October 23, 2026 • 33 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, - how do we teach our kids and young adults about money? Managing money was simple just a few decades ago: cash was king, consumer choices were limited, and savings accounts earned fixed interest rates. Today, we live in the most over-stored country in the world, surrounded by endless retail options, on...
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October 21, 2026 • 31 mins
Winter heating bills won’t be pretty, especially in markets that rely on oil for heat. What can you do now to prepare? Taking control of monthly expenses comes down to knowing where the real price traps are hiding. Clark unpacks the latest updates on winter heating trends and shifting food prices to help you make smarter financial decisions.
First, discover why home heating oil prices are squeezing homeowners, how ste...
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October 20, 2026 • 24 mins
Rapid Fire Q&A: Roth Conversion Traps, RMD Spending Rules, & Switching Careers To Finance
Welcome to another edition of "Rapid Fire" on Ask an Advisor! Today, Wes Moss is opening up the listener mailbag to answer your direct financial questions. From navigating tricky Roth IRA 5-year rules to deciding the exact order of account withdrawals in retirement, we’re covering real-world strategies to help you retire sooner ...
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October 19, 2026 • 28 mins
Artificial intelligence is creating unprecedented risks for your retirement savings, with AI-driven fraud causing massive financial losses across the country. Deepfakes and voice-cloning technology have become so advanced that scammers can effortlessly mimic real people, leaving brokerage firms and financial institutions vulnerable to fraudulent transfer instructions. Clark has recommendations to help secure your life savings.
Al...
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October 16, 2026 • 42 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.
Also, even if oil and jet fuel prices drop, major U.S. airlines warn that fluctuating costs mean high airfares are here to stay for the foreseeable future. With flight delays and unpredictable pricing making winter travel tricky, flexibility and preparation are key. Clark breaks down his top strategies for b...
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October 14, 2026 • 33 mins
Secret Hospital Price Lists Exposed & Simple Cart Trick That Saves You Money
Healthcare costs are skyrocketing, and with health insurance prices expected to jump even higher, taking control of your medical expenses is vital. Clark shares a radical workaround to save thousands on life-saving brand-name medications, plus a powerful free tool at hospitalpricingfiles.org that unveils secret hospital price lists so you can comparis...
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October 13, 2026 • 32 mins
Are High-Yield Investments Dangerously Risky? & Why Wes Updated His Thinking on HSAs
Jim Cramer says high yields are dangerous – so is retirement income actually at risk? Wes sets the record straight on high-dividend stocks, interest rates, and how to safely build a yield ladder.
Plus, Wes shares a personal shift in his own financial strategy: why he recently updated his thinking on High Deductible Health Plans (HDHPs)...
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October 12, 2026 • 25 mins
With gas prices squeezing wallets, you might be tempted to trade in your current ride for a fuel-efficient hybrid or EV. However, making a permanent financial decision based on a temporary spike in gas prices can cost you thousands in the long run. Before you swap keys to save on fuel, make sure the math actually works for your budget.
Also, Clark sets the record straight on a viral Walmart rumor. Stores are rapidly replacing pap...
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October 9, 2026 • 35 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, is your home insurance company offering free smart tech? It is becoming increasingly common for insurers to send free monitoring devices to prevent two of the biggest – and costliest – headaches homeowners face: electrical fires and water damage. Such offers can be a win-win - for the insurer AND h...
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October 7, 2026 • 31 mins
Interest rates are up, and Clark addresses how to maximize savings, and what mortgage rates mean for the housing market. The giant monster mega banks are paying an insulting 0.01% on savings accounts, essentially a zero return. What rate should you be looking for elsewhere?
Meanwhile, the housing market shifts yet again as 30-year mortgage rates hit 7%, crushed by geopolitical instability and inflation. However, there...
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October 6, 2026 • 26 mins
Interest Rate Spike: Panic or Opportunity? & 7 Most Important Ages In Retirement Planning
Why are bond yields climbing so rapidly, and what does it mean for your money? Wes Moss breaks down the massive shift in the $51 trillion U.S. bond market and why higher interest rates might actually be good news for your portfolio. Plus, Wes walks through the seven most important retirement planning ages every investor needs to mark on t...
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October 5, 2026 • 28 mins
Cut Your Bills by DIYing & Protect Yourself From This Devastating Online Scam
"Necessity is the mother of invention"—that classic adage takes on new meaning under today’s cost pressures. High prices are driving many to look for creative ways to stretch a dollar, from scoping out everyday deals to embracing DIY projects. Instead of relying on expensive professionals for every task, leaning into basic home skil...
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October 2, 2026 • 38 mins
Clark Stinks & Why Health Insurance Costs Are Surging (and How To Prepare)
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.
Also, healthcare costs are surging nationwide, and Americans are feeling the squeeze whether they get coverage through an employer or buy a plan on the state exchanges. With exchange premiums set to jump up to 20% in hard-hit areas and...
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September 30, 2026 • 32 mins
Alert: Bank Imposter Scam Draining Life Savings & Shocking Truth About Travel Costs Right Now
Clark exposes a dangerous financial scam that is draining people’s entire life savings and explains why your protections might not apply if you fall for it. Financial imposter scams are becoming sharper and more sophisticated. Clark shares the single mandatory step you must take whenever you receive an urgent alert from a fraud ...
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September 29, 2026 • 34 mins
Secret to Giving Yourself 'Permission to Spend' in Retirement & Are Pensions Back?
Wes dives into new research showing that median-wealth retirees underspend their potential income by 8% – and wealthier retirees underspend by a staggering 47% to 53%. Wes breaks down the psychological difference between spending assets versus spending income streams, and the little-known shift that can give you the "license to spend" with...
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September 28, 2026 • 27 mins
How To Inflation-Proof Your Portfolio & The Free Account Everyone Needs To Set Up Before Retirement
Navigating your investments as you age can get confusing, especially when rising interest rates make traditional bond funds a scary prospect. While young investors can comfortably ride out stock market volatility, those approaching their late 50s and beyond need a more balanced portfolio to protect their hard-earned money. Inste...
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September 25, 2026 • 32 mins
Clark Stinks & Deal Alert: Running Shoes
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.
Also, running and walking shoe prices are finally dropping, creating a massive money-saving opportunity for your wallet. Major retailers like Dick’s Sporting Goods are feeling the squeeze from an oversupplied market and slowing consumer demand, leading to deep di...
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September 23, 2026 • 33 mins
Is Your Internet Provider Ripping You Off? & How Clark Finished College Fast To Save Money
Are you still paying the "inertia tax" on your home internet? As giant cable megamergers reshape the market, big providers are steadily jacking up prices on customers who stay on autopilot – just like old landline companies did decades ago. Clark reveals how to break free from the cable monster.
Plus, with student loan interest r...
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September 22, 2026 • 35 mins
The Dark Side of Retirement (and How To Avoid It) & Lump Sum vs. Monthly Pension Decision Tree
Retirement is often touted as the ultimate goal, but Wes reveals why reaching the finish line can bring unexpected challenges. Wes exposes the sobering statistics behind aging in America, emphasizing why true retirement success requires building a "portfolio of purpose" alongside financial security.
Also, Wes breaks down his brand-...
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September 21, 2026 • 26 mins
The banks are at it again, and Clark wants to make sure you don't fall into a dangerous debt trap. Home equity levels are at record highs as financial institutions aggressively push homeowners to tap equity with HELOCs and cash-out refinances to pay off credit cards or fund lifestyle expenses. Clark explains why turning your home's equity into high-interest debt is a massive financial risk, how it mimics the harmful bank tactics of...
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