The Clark Howard Podcast

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

07.21.26 Ask An Advisor With Wes Moss

July 21, 2026 • 32 mins
What Is the Retire Sooner Method? & Can You Retire Without Touching the Principal? How do you retire sooner, increase your happiness, and ensure you never run out of money? In this episode, Wes Moss breaks down the Retire Sooner Method—your ultimate retirement happiness GPS. Just like navigating an unfamiliar city, navigating retirement without a map guarantees you’ll get lost. Wes shares the 5 essential steps to ...
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07-20-2026 WFH Is Reshaping Employment / Health Insurance Costs

July 20, 2026 • 35 mins
Today - remote work became essential during COVID, but could it be hurting your career now? While the benefits of working remotely are undeniable, new data shows that "out of sight, out of mind" is a dangerous reality in corporate America. Clark shares several things to consider if you want to protect your paycheck and position yourself for promotions. Also, a massive storm is brewing in the healthcare industry, and it is going to ...
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07.17.26 Clark Answers His Critics on Clark Stinks / Your Car’s Longevity

July 17, 2026 • 36 mins
Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also,  the new car market is in a weird phase, with automakers behaving like pack animals. Instead of fighting for market share or offering affordable options, manufacturers have decided they are perfectly happy selling fewer vehicles if it means keeping prices sky-high and maximizing margins. If you're wonderi...
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07.15.26 Clark Discredits a Long-Held Credit Card Myth / SCAM WARNINGS

July 15, 2026 • 33 mins
The big banks are absolutely thrilled when you fall for the "cockroach" of personal finance myths: the completely false idea that you need to carry a balance and pay interest on your credit cards to build an excellent credit score. Not so. Clark explains. Also today, we face an unprecedented wave of sophisticated fraud, with online crime complaints officially surpassing one million for the first time. Driven by advanced AI, scammer...
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07.14.26 Ask An Advisor With Wes Moss

July 14, 2026 • 33 mins
The 200-Hour Friendship Rule & Are Financial Advisors Worth It? Making friends as an adult is harder than ever – but just how much time does it actually take to build a close friendship? In this episode, Wes Moss discusses the growing friendship gap in America and the surprising research behind forming meaningful connections. A study from the University of Kansas found that becoming a close friend takes far more intentio...
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07.13.26 How Much $ Is In Your Payment App? / Weddings: Less Is More Forever

July 13, 2026 • 28 mins
Use payment apps? How much? Clark has a major warning about a serious financial risk hiding in plain sight: storing your hard-earned cash inside payment apps like PayPal, Venmo, or Cash App. While these platforms are convenient for sending money, a shocking number of people use them like regular bank accounts to store large sums of money. Therein lies a dangerous reality that could cost you plenty.   Also, millennials are reth...
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07.10.26 Clark Answers His Critics on Clark Stinks / Social InSecurity

July 10, 2026 • 37 mins
Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also,  economic anxiety is climbing straight up the income ladder, and Americans everywhere are growing deeply worried. On top of that, a troubling new report confirms that Social Security is on track to face insolvency by 2032—a year earlier than we originally thought. If Congress continues to ignore it...
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07.08.26 The Clark Smart Way To Buy A Mattress / Student Loan Update

July 8, 2026 • 31 mins
The mattress industry is in chaos, and major brands like Sleep Number are facing bankruptcy. Clark breaks down how the mattress market became incredibly oversaturated and why traditional mattress stores have seen their business models become obsolete. While online shopping and warehouse clubs have revolutionized how we buy beds, the wave of recent bankruptcies poses a risk to consumers. Clark reveals his ultimate rule for buying a ...
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07.07.26 Ask An Advisor With Wes Moss - Best Of

July 7, 2026 • 30 mins
In this episode, Wes tackles the psychological hurdle that many high-achievers face when they finally reach the "Retirement Green Zone." After decades of using hard work, discipline, and ambition to build a nest egg, it can be incredibly difficult to simply turn that drive off. Wes discusses the "ambition guilt" that many retirees feel when they pursue creative hobbies or passions that don’t generate a paycheck. Rather than v...
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07.06.26 Shining A UV Light On Sunscreens / Side Hustle Savvy

July 6, 2026 • 30 mins
Today, something new under the sun - at least in the U.S.: A now FDA approved sunscreen option long in use overseas, arrives next year.  Meanwhile, are you overpaying for sunscreen just because of a fancy brand name? Consumer Reports released its annual sunscreen rankings, and the results again prove you don't have to spend a fortune to protect your skin. Also, Clark dives into the reality of modern side hustles. A TikTok infl...
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07.03.26 BEST OF: Clark Answers His Critics on Clark Stinks / FREE Tuition

July 3, 2026 • 32 mins
Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 6th with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - as college costs level off due to a competitive marketplace, more institutions are finding creative ways to attract students – including offering ...
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07.01.26 Clark Smart Franchising / Pharmacy Options For Rx Savings

July 1, 2026 • 31 mins
Considering entrepreneurship via buying a franchise? Clark shares his most important rule before investing your hard-earned money: go work for that franchise first. Instead of relying on the sales pitch, spend several months on the job learning how the business really operates, what challenges owners face and whether the opportunity lives up to the promises. Taking this important step could save you from making a costly mistake and...
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06.30.26 Ask An Advisor With Wes Moss

June 30, 2026 • 28 mins
Is the bucket investing strategy the best way to plan for retirement? In this episode, Wes Moss breaks down the powerful visual behind bucket investing and explains why organizing your money into cash, income, growth, and alternative income buckets can simplify retirement planning. He also shares the biggest drawbacks investors should understand before adopting the strategy. Also, Wes tackles a growing trend: professionals looking ...
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06.29.26 Travel Booking Basics / Online Shopping: Spotlight On Dark Patterns

June 29, 2026 • 34 mins
Clark’s first business was a travel agency and he specialized in saving his clients money. Travel costs are challenging now, with airlines facing higher fuel expenses and travelers paying the price. Clark shares his back-to-basics strategy for finding affordable trips, including why flexibility is your greatest money-saving tool. Learn why Clark lets the deal determine the destination, how shoulder-season airfare pricing can ...
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06.26.26 Clark Answers His Critics on Clark Stinks / Appeal Insurance Denials

June 26, 2026 • 32 mins
Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, when your health insurer denies coverage for a treatment, procedure, or medication, don't assume that's the final answer. Clark explains a little-known consumer right that could help you overturn a denial: an external appeal reviewed by an independent third party. While some patients do appeal insurance decisi...
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06.24.26 An Education In Change / Should You Purchase A Warranty - Ever?

June 24, 2026 • 32 mins
Fifty years ago, Clark founded an alternative school called Career Action for adults who were struggling to find their path after high school. The program was intense, with long days, strict standards, and a focus on preparing students for the workplace. It was successful for decades—but here's what's remarkable: virtually every job skill that was taught eventually became obsolete. The lesson is more important than ever today...
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06.23.26 Ask An Advisor With Wes Moss & Clark

June 23, 2026 • 49 mins
With technology stocks making up nearly half of the S&P 500, many index investors are asking an important question: Is this concentration a risk—or simply the natural evolution of the market? In this episode, Wes Moss and Clark Howard tackle the growing dominance of tech companies in major indexes, discuss whether traditional index investors should consider diversifying beyond tech, and explore how age and retirement time...
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06.22.26 The Competition Customer Advantage: Supermarkets and Phone Plans

June 22, 2026 • 32 mins
If you've felt squeezed every time you shop for groceries, there may finally be some good news. Kroger is cutting prices on thousands of items as competition heats up with Walmart, Costco, Aldi and Lidl. Clark explains why grocery stores are fighting harder than ever for your business, why private label products are becoming the best value in the store, and how inflation continues to affect everyday staples like tomatoes. Then, Cla...
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06.19.26 Clark Answers His Critics on Clark Stinks / Subscription Management

June 19, 2026 • 33 mins
Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also - I have a homework assignment for you.  From streaming services and device protection plans to fitness apps and smart gadgets, recurring monthly charges can quietly pile up and put pressure on your budget. While one small price increase may not seem like a big deal, multiple hikes across seve...
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06.17.26 Let’s Channel Your Inner Millionaire / Reluctant Landlords

June 17, 2026 • 31 mins
Think you need a high end business or a lottery-ticket stock win to hit a $1 million net worth? Think again. Clark breaks down key insights of first-time millionaires. While old-school wealth looked like owning a successful service business, modern data from Kiplinger and Fidelity proves that regular people working everyday jobs—like teachers and government employees—are achieving financial independence.  Plus, Cla...
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