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

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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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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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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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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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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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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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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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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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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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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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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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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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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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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June 16, 2026 31 mins
Most people think building wealth and keeping wealth require the same strategy. They don't. Wes Moss explains why getting wealthy and staying wealthy are two completely different skill sets—and why understanding the difference could have a major impact on your financial future. Wes also explores what may be the most important financial dividend of all: freedom. Financial planning isn't just about accumulating a bigger number....
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A shift is happening in the skies right now, as airlines quietly slash schedules and strip away basic comforts taken for granted for decades. If you don't double check your bookings, you could be walking blindly into a canceled itinerary—or a "bare-bones" cabin with zero food or water. Meanwhile, a strange new industry experiment means the ticket you bought for a connecting flight may turn out to be for an unforeseen road tri...
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Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also, we all love the thrill of scoring a great deal, but a dangerous retail trap called "spaving"—spending money to "save" money—might be quietly sabotaging your budget. Retailers like Amazon have mastered the art of the impulse buy, using tricks like "buy two, get an extra discount" or fre...
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Clark’s teaching mission has always focused on getting you to save every dollar you can for retirement, especially when you can “set it and forget it” through automatic contributions. It’s the best way to achieve financial freedom. Smart new initiatives are helping Americans save more:  Automatic Retirement Savings Programs.   Meanwhile, if you feel like your paycheck isn't going as far as it used ...
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Are you on track for a happy retirement? It takes more than just a healthy bank account. In this episode, Wes Moss shares the lifestyle data that separates truly happy retirees from the rest. It all comes down to a "magic number" of core pursuits – the super-activities that keep you moving, socializing, and fulfilled. Then, he dives into the financial side, breaking down the psychological power of dividend investing and how i...
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Tired of watching your auto and homeowners insurance premiums skyrocket? Good news: There are some simple ways to save money on both. The massive run-ups in auto insurance are finally slowing down, and there are concrete steps you can take right now to lower those bills without just shopping around.  Switching gears, Clark looks at a fascinating and hopeful trend highlighted by The Washington Post regarding how the next genera...
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