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

03.04.26 How Interest Rates Are Set / Name Brand Foods Cut Prices

March 4, 2026 • 32 mins
Today, Clark explains the confusion around how various interest rates are set, from savings & CDs, to credit cards and car loans. He explores the "K-shaped" economy, where a flood of cash into savings and CDs drives down returns – even at online banks, and how the "convenience trap" can cost consumers thousands on all kinds of loans. Also, good news at the grocery store: the "store brand revolution" is working. After years of price...
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03.03.2026 Ask An Advisor With Wes Moss

March 3, 2026 • 36 mins
Lump Sum Investing vs. Dollar-Cost Averaging & Is It Ever Too Late To Save for Retirement? Wes Moss tackles one of the most paralyzing questions in finance: should you "cannonball" into the market or wade in slowly? While historical data shows that one method wins about two-thirds of the time, Wes explains why participation will always trump perfection. Also, a sobering new study claims the average American has less than $1,000 ...
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03.02.26 Buy Now, Pay Later aka Pay-In-4 / Ask Your Pharmacist

March 2, 2026 • 29 mins
Today - Nearly every purchase we make offers the “opportunity” to pay over time. Why Clark seriously despises Pay-In-4.  Also, Clark addresses the worsening doctor shortage and a related  profession that can help fill the gap. The Pay-In-4 Trap: Segment 1 Ask Clark: Segment 2 Ask Your Pharmacist: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Buy Now, Pay Later: A Helpful Tool or a Debt Trap? How Lemon ...
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02.27.26 Clark Answers His Critics on Clark Stinks / Exposed: Tiny Hotel Rooms Sacrifice Privacy

February 27, 2026 • 35 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - In newer limited service hotels, rooms have gotten much smaller - at the expense of privacy. Clark explains the trend and the criteria he checks before booking. Clark Stinks: Segments 1 & 2 Micro Hotel Rooms & Privacy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Charles Schwab Revi...
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02.25.26 Buying & Selling Gold / Why Simple Appliances Win

February 25, 2026 • 36 mins
The frenzy surrounding gold and silver has dominated recent financial headlines. Clark explains the role of these commodities as hedges vs. investments and discusses how much (or little) you should own, and the best way to buy & sell.  Also today - do big price tags equal great quality when it comes to appliances? Clark breaks down why "designer" features often mean more points of failure and why the most effective tools are simply...
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02.24.26 Ask An Advisor With Wes Moss

February 24, 2026 • 36 mins
Steak Night Sticker Shock & Is a Market Correction Coming? Beef and steak prices are soaring. But beyond the grocery store and date night, it’s costing you more than you think, as Wes Moss explains. Also, Wes also address the psychological "twinge" investors feel when the stock market hits new all-time highs. What should investors do in 2026? While it’s tempting to think an all-time high is a signal to get out, history suggests th...
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02.23.26 Invested Savings: ETFs vs. Mutual Funds / The Truth About Pet Wellness Plans

February 23, 2026 • 29 mins
How you invest savings can make a big difference in how much you have later in life. Clark explains ETFs (Exchange-Traded Funds) vs. mutual funds - and the superior choice for your non-retirement accounts.  Also, we love our pets and pet wellness plans may sound like a solid option for affordable vet care – but there’s a major catch. ETFs vs Mutual Funds: Segment 1 Ask Clark: Segment 2 Pet Wellness Plans: Segment 3 Ask...
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02.20.26 Clark Answers His Critics on Clark Stinks / Crypto - A Different Perspective

February 20, 2026 • 40 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - with the recent Bitcoin slide costing people millions, and concerns of a possible “crypto winter”, Clark shares his perspective on Crypto and guidance for those interested in this still speculative endeavor.  Clark Stinks: Segments 1 & 2 Clark On Crypto: Segment 3 Ask Clark: Segment 4 Mentioned ...
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02.18.26 Relocating Overseas / Debt Trap Exit Strategies

February 18, 2026 • 30 mins
FEBRUARY 18       Relocating Overseas  /  Debt Trap Exit Strategies Some of you listening right now may be living abroad, temporarily or indefinitely. There is an increasing desire to experience life overseas, and some countries are paving the way. Clark discusses relocation incentive programs and other considerations vital to the life changing decision to move abroad. Also - if you have credit card debt, Clark has some strategi...
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02.17.26 Ask An Advisor With Wes Moss

February 17, 2026 • 36 mins
Should You Use Your “Sacred” Retirement Fund To Save Your Business? & 2026 Jobs Outlook As rapid technological shifts ripple through every industry, many entrepreneurs are finding themselves in a temporary cash flow crunch. While retirement accounts are often viewed as a "sacred chest" that shouldn't be touched, Wes Moss explores how to strategically leverage your brokerage and Roth IRA accounts to bridge the gap. Also, Wes dives ...
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02.16.26 Your Relationship With Money / Self-Employed Retirement Planning

February 16, 2026 • 27 mins
You may be examining your spending habits this year, looking to set goals to improve your financial health. Clark discusses how your money mindset will affect your future in a big way. Are you spending your way into debt misery, or saving your way to frugality regret? Clark invokes finding a healthy balance between discipline and enjoyment. Also - A great way for the self-employed to save tax free for the future. A powerful wealth-...
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02.13.26 Clark Answers His Critics on Clark Stinks / Job Market Update

February 13, 2026 • 37 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - Amid the steady parade of layoff announcements Clark offers some perspective on today’s job market, a prediction for the spring hiring season, and strategy for moving forward.  Clark Stinks: Segments 1 & 2 Job Market Prediction: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When Is t...
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02.11.26 Tax Refunds & Withholding / Clarksplainer: Trump Accounts

February 11, 2026 • 31 mins
It’s tax season - and many Americans are going to receive higher than expected refunds. Guess what Clark wants you to do with extra money? And what about your withholding for this year? Also today,  more clarity on Trump accounts. While the federal government is seeding these accounts with $1,000 for newborns, proceed with caution. Clark tells you how these work, who benefits, and who does not. Tax Refunds & Withholding: Segme...
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02.10.26 Ask An Advisor With Wes Moss

February 10, 2026 • 40 mins
Why Everything Still Feels Expensive & Growth vs. Value Stocks: Which Is Best? Is inflation going away? The reality is that while the rate of change might slow down to 2% or 3%, the cumulative "stacking" of past inflation remains, leaving consumers anchored to old prices while fighting for higher wages. Wes Moss explores why we can’t afford to get complacent and how this cycle is exactly why we invest in the first place. Also, Wes...
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02.09.26 Gift Cards: Use Or Lose Them / Big Changes For Home Backup Power

February 9, 2026 • 34 mins
Significant numbers of both chain and independent restaurant closures are happening around the country now, and with that - Clark has a dinner bell warning for you.  Also - As fierce winter storms ravage regions of the country with lengthy power outages,  new tech is ushering in the rise of affordable home battery backups.  Got Restaurant Gift Cards?: Segment 1 Ask Clark: Segment 2 Home Battery Backup Power: Segment 3 ...
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02.06.26 Clark Answers His Critics on Clark Stinks / Housing Market Predictions

February 6, 2026 • 38 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, Clark shares housing market predictions through the rest of 2026 and why he considers this a “transition year” in housing.  Clark Stinks: Segments 1 & 2 Housing Market Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 9 Free Federal and State Tax Filing Services for 2026 - Clark ...
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02.04.26 Love & Money / Which Documents Should You Keep

February 4, 2026 • 34 mins
Valentine’s Day approaches. What can spoil the romance in any relationship? Fighting over money. Clark emphasizes the importance of ongoing "low-voltage" conversations around financial goals.   Also - What paperwork should you hang onto and for how long? Clark’s guide provides a clear strategy for organizing your financial life and protecting your assets. Couples & Money: Segment 1 Ask Clark: Segment 2 Record Keeping: Seg...
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02.03.2026 Ask An Advisor With Wes Moss

February 3, 2026 • 34 mins
Dollar vs. Gold: Why You Don’t Need To Panic & #1 Retirement Fear (and Ways To Let It Go) While recent headlines might suggest the dollar is "plunging" as gold and silver prices soar, Wes Moss provides a grounded perspective on why the decline, while significant, is still well within historical ranges, and why he believes our economy is still strong. Also, Wes dives into the top fear facing Americans: the fear of running out of mo...
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02.02.26 Going Mobile: Relocation For Jobs And Homeownership

February 2, 2026 • 30 mins
If you’re feeling stuck in your career and/or housing situation, Clark shares something important to consider. With housing inventory rising in nearly 20 states and more affordable markets opening up in the American heartland, being open and flexible to moving your zip code might be the key to unlocking both homeownership and professional opportunity. Also, using the latest data, Clark breaks down the fastest-growing occupations fo...
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01.30.26 Best Cheap Cars / Secret To An Affordable Vacation

January 30, 2026 • 30 mins
Friday normally brings a ripe episode of Clark Stinks but today Clark has an update for potential car buyers.  While the cost of automobiles has been soaring, Clark reveals a surprising counterpoint: a selection of reliable, more affordable vehicles. Also in the interest of affordability, travel can easily be too costly. But there’s an often overlooked option that could help you save on spring break or a summer getaway. (Note: Cl...
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