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

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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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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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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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also, there are new tools for parents to keep track of their babies' health and sleep. These are much more sophisticated than old fashioned monitors. Is there cause for concern? Smart monitors and AI-powered devices are now tracking everything from sleep patterns and health metrics to developmental milestones and ...
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Clark drops an urgent warning for vehicle owners regarding a massive spike in auto insurance claim denials. If you let a friend, colleague, or extended family member borrow your vehicle to run a quick errand, you could be setting yourself up for financial disaster. Also, a sleazy car insurance tool has made an AI video of Clark endorsing its product. This is happening all over social media. Clark tackles the explosion of sophisti...
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September 15, 2026 • 32 mins
How To Build Wealth Without a Tech Job & Hidden Dangers of Coast FI Forget the myth that you have to work on Wall Street or in Silicon Valley to build massive wealth. Wes reveals the power of the "Everywhere Millionaires" – the 3 million Americans who have accumulated a collective $65 trillion by building unglamorous, low-tech, and non-tech businesses. Discover why tactile, essential industries are producing some of the ...
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Think you need an expensive, full-blown security system to protect your home? Think again. Clark shares how even a single inexpensive security camera can serve as a massive deterrent against burglars. While surveillance technology certainly has its privacy drawbacks, Clark breaks down the major safety benefits for homeowners. Plus, long considered a reliable platform bringing legitimacy to ticket resale, StubHub is now facing int...
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also,  data centers being built around the country have been polarizing, but one thing is for certain: your electricity bills are going up. Clark describes how the deals are done - often out of public view, who should rightfully pay the freight, and issues a critical call to action. All this and more on the...
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September 10, 2026 • 35 mins
Rapid Fire Q&A: The "Happiest Retiree" Pet Factor, RMD Alternatives, Fidelity’s New Annuity + More Questions Answered Welcome to our first monthly "Rapid Fire Thursday" episode of Ask an Advisor! Today, Wes Moss is opening up the listener mailbag to answer your direct financial questions. We’re covering a wide range of topics: from how pets fit into the "Happiest Retirees" research, to whether UTMA accounts or Trum...
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Would you pay a lower price for lower quality? Clark readily admits he would - in some cases. Is buying the absolute cheapest option actually saving you money, or is it a hidden trap? Clark breaks down the everyday dilemma between price and long-term quality, sharing where he happily goes rock-bottom cheap (like flat-screen TVs) versus where paying a bit more pays off for safety, durability, and real value. Also, are you staying i...
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September 8, 2026 • 35 mins
Why the "K-Shaped" Economy is WRONG & What Rising Interest Rates Mean for You Is the "K-shaped" economy an accurate description of what Americans are experiencing today? Wes breaks down why the economy looks less like a "K" and more like an "E" — and what that means for your money, spending, and job prospects. Wes also tackles the burning question on every investor and homeowner's mind: What happens if interest rates ke...
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also, Clark discusses retirement with Wes Moss including how we can plan for not only a solid financial future, but a happy one as well. Clark Stinks: Segments 1 & 2 Clark & Wes On Retirement: Segments3 & 4 Mentioned on the show: Why Property Taxes Are Soaring (and How To Fight Back) Why...
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A surprising new study shows that Millennials and Gen Z account for 80% of all new timeshare purchases. In an era where homeownership feels increasingly out of reach for younger generations, buying into a timeshare might offer a psychological sense of owning real estate—but it is one of the worst financial traps you can walk into.  Also, how can you tell if something is a fake brand or not? There is a helpful new browse...
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September 1, 2026 • 35 mins
In this episode, Wes shares why retiring as soon as possible is more critical than most people realize. He highlights why waiting too long can cost you the best, most active years of your life, and explains how the Retire Sooner Method helps you shave years off your career so you can enjoy true freedom while you still have the energy to use it. Also, Wes tackles one of the biggest threats facing new retirees today: Sequence of Re...
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The American healthcare and financial systems can feel deeply broken, but you are not powerless. With healthcare costs skyrocketing and deductibles growing larger every year, many people feel trapped when facing a medical procedure. Clark shares an instructive real-world story from The Washington Post, explaining how price transparency (and lack thereof) impacts your wallet and why price-shopping non-emergency medical procedures is...
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Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also,  every time a major technological shift happens, we hear predictions of widespread job destruction—and the rapid rise of Artificial Intelligence is driving those fears to a whole new level. Clark breaks down what the AI boom actually means for your paycheck, how tech expansion shifts hidden c...
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With food prices sky high, food waste is an area of real concern - and potential savings. Clark breaks down the truth behind confusing expiration dates like "Best By" versus "Use By" as marketing tactics designed to get you to buy more often. Also, Clark tackles a critical and all too common relationship issue: one partner completely in the dark about household money. A household culture of "he handles it" or "she takes care of t...
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August 25, 2026 • 24 mins
In this special episode, fiduciary financial advisor Wes Moss answers your top questions on high-yield savings accounts, college planning, investing for grandchildren, preparing for retirement, and more. Whether you’re dealing with falling savings rates or trying to navigate high-yield dividend options, Wes breaks down the practical strategies you need to keep your money working for you. Mentioned on the show: Where Sho...
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The latest financial data shows the U.S. savings rate has dropped to an alarming rate. While many households are struggling just to cover the basics, many middle and upper-middle-class families are falling into the lifestyle trap. Find out what the new rate is and what you should aim for instead. Also today, new commission structures for home buyer agents are proving problematic.  Recent lawsuit settlements were supposed to m...
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