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

06.18.25 Summer Power Bills / Take Your Vacation!

June 18, 2025 • 33 mins
Data centers are creating higher demand for electricity and the cost is falling on consumers. Power bills could reach record highs this summer. Clark has two recommendations to help lower your energy bills. Speaking of summer, have you planned out your vacation days yet? Clark talks about the importance of time away from it all. Home Cooling: Segment 1 Ask Clark: Segment 2 Take Your PTO!: Segment 3 Ask Clark: Segmen...
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06.17.25 Ask An Advisor With Wes Moss

June 17, 2025 • 47 mins
Secret Rule To Access Your IRA Early and Top 9 Things That Bring Joy in Retirement If you want to retire early, this rule can help! Fiduciary financial advisor Wes Moss breaks down the often-misunderstood Rule of 72(t). Discover how this IRS exception can allow you to access your IRA funds before age 59 ½ without incurring that hefty 10% early withdrawal penalty. Also, Wes dives into groundbreaking research on what truly brings jo...
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06.16.25 Kids Gone Wild Ordering Online / Rental Car Inspection Warning

June 16, 2025 • 32 mins
Today - you may have heard about the boy who ordered 70,000 lollipops on Amazon. A reminder for parents to childproof devices to protect your accounts from plundering toddlers! Also, the stakes are higher now when renting a car. There’s a new inspection practice you must be aware of to protect your wallet. Childproof your devices: Segment 1 Ask Clark: Segment 2 Car Rental Warning: Segment 3 Ask Clark: Segment 4 Ment...
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06.13.25 Clark Answers His Critics on Clark Stinks / Protect Your Package Deliveries

June 13, 2025 • 33 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also today, an easy, low tech solution to the porch pirate problem.  Clark Stinks: Segments 1 & 2 Porch Pirate Solution: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Will Social Security Run Out? Sell Stuff Online: The Best Sites and Apps Shared Equity Mortgage: Meaning, Pros and Cons, FA...
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06.11.25 Save More On Home Internet / Seek The Total Price

June 11, 2025 • 34 mins
A CNET survey has found the average consumer is paying close to $200 more per year for internet than a year ago. Today, paying for home internet service no longer has to be expensive. New choices have emerged to help you SAVE MORE. Also, bait & switch junk fees have been rampant - on hotels, tickets, services and more. But new rules are helping to change that in some quarters. Clark shares tips for getting the full price before you...
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06.10.25 Ask An Advisor With Wes Moss

June 10, 2025 • 37 mins
Do Retirees Need To Track Stock Earnings? And This Rule Can Help You Retire Early If you're a retail investor or a happy retiree, should you be paying attention to corporate earnings? Fiduciary financial advisor Wes Moss dives into why earnings matter for both individual stock owners and index fund investors. Discover how the overall earnings of the S&P 500 influ...
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06.09.25 Vanguard’s New Cash Management Account / Debt Collections

June 9, 2025 • 31 mins
In today’s episode, an ongoing concern - where should you store your cash? One of Clark’s favorite children (discount brokers) has just launched a new offering worthy of your attention. Also today, dealing with debt collectors. Some are legit, some not so much. Know what to do if the debt is indeed yours, or if it is a mistake. Clark has key information for handling collectors in a way that protects your rights and your credit.  ...
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06.06.25 Clark Answers His Critics on Clark Stinks / Best Sunscreens

June 6, 2025 • 33 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, sunscreen is so important in the prevention of skin cancer - but how to choose? Clark shares some excellent recommendations offering protection that is both cheap and effective. Clark Stinks: Segments 1 & 2 Best Sunscreens: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Does the Bran...
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06.04.25 Executive Spotlight on Rx Prices / Workarounds For High Beef Prices

June 4, 2025 • 36 mins
We in the U.S. pay the highest prescription drug prices in the world, and a recent executive order takes aim at that inequity, the result of which remains to be seen. Clark explains why employee health plan drug prices through PBMs remain so high, and what you can do about it.  Speaking of prices, what’s behind the sticker shock from the price of beef these days? Clark explains. PBMs & Rx Pricing: Segment 1 Ask Clark: Segme...
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06.03.25 Ask An Advisor With Wes Moss

June 3, 2025 • 43 mins
Investing in Gold: Smart Move or Mistake? and Will Entry-Level Jobs Disappear? Should you own gold? How much should you own? Fiduciary financial advisor Wes Moss breaks down the data and shares his take on investing in gold to help you determine if it belongs in your portfolio. Also, the CEO of a major AI company recently said that 50% of all entry-level white collar jobs will go away over the next 1-5 years. Could this predict...
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06.02.25 Clark’s Auto Loan Directive / Skimmer Scam Prevention

June 2, 2025 • 28 mins
June signals upcoming road trips and today, Clark talks about some transportation hazards to avoid. First, when buying a vehicle, know how significant the length of the loan can be to your financial health. Also, skimming scams at gas pumps and beyond - have gotten more sophisticated. Clark shares 2 ways to protect your money. Auto Loan Warning : Segment 1 Ask Clark: Segment 2 Skimming Scams: Segment 3 Ask Clark: Segm...
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05.30.25 Clark Answers His Critics on Clark Stinks / Tech Brakes On Super Speeders

May 30, 2025 • 31 mins
Help us surprise Clark Howard for his birthday! We're collecting special wishes for Clark (it's a secret!) to celebrate his birthday on June 20th. Use this form to share your wishes for Clark: https://forms.gle/hNtmFTvqkdZc94J49 -- remember it's a secret! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also tod...
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05.28.25 Best Auto Insurance / Economic Uncertainty: Preparation & Family Communication

May 28, 2025 • 37 mins
In this episode -  As auto insurance rates continue to rise, more people recognize the need to shop around. Clark shares a valuable resource for where to start. Also today - Economic uncertainty necessitates ongoing family conversations about money and the economy, and what can be done to prepare for a possible recession or employment setback. Shop Auto Insurance: Segment 1 Ask Clark: Segment 2 Family Money Talks: Segmen...
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05.27.25 Ask An Advisor With Wes Moss

May 27, 2025 • 46 mins
10-Step Checklist BEFORE You Retire and How Spending Money in Retirement Actually Works Ready to retire? Fiduciary financial advisor Wes Moss walks you through the essential 10-point checklist you should complete before leaving the workforce. Also, Wes breaks down the often-confusing topic of spending money in retirement. How do you actually access your funds, and what's the smart way to manage different account types? Learn the s...
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05.23.25 Clark Answers His Critics on Clark Stinks / U.S. Air Traffic Control

May 23, 2025 • 37 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark discusses how the shortage of air traffic controllers and lack of current tech will impact air travel this summer, looks to Canada’s successful model, and shares his playbook for navigating air travel  Clark Stinks: Segments 1 & 2 Air Traffic Control Issues: Segment 3 Ask Clark: Segment 4 Me...
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05.21.25 The Airline Recession / Student Loan Repayment

May 21, 2025 • 37 mins
Travel demand has slowed and airlines are cutting service. Today Clark discusses the airline recession taking place, and the hazard & opportunity this presents for travelers. Also, Clark addresses some of the confusion surrounding student loan repayment. What you need to know if you or a family member has student loan debt. Air Travel Guidance: Segment 1 Ask Clark: Segment 2 Student Loans: Segment 3 Ask Clark: Segment...
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05.20.25 Ask An Advisor With Wes Moss

May 20, 2025 • 39 mins
Are We in a Passive Investing Bubble? and Lump Sum Investing vs. Dollar Cost Averaging Is passive investing creating a stock market bubble? Fiduciary financial advisor Wes Moss dives into the rise of index funds, why they became so popular, and the potential concerns. Also, Wes covers a classic investing strategy: Dollar Cost Averaging (DCA). He explains how systematically investing over time can smooth out your cost basis and mak...
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05.19.25 The True Costs Of 401(k) Loans / Checked Bags - Lost & Found

May 19, 2025 • 29 mins
The 401(k) is a great retirement instrument because saving is automatic and investments grow over time. So is it ever OK to ⁠borrow from a 401(k)⁠? Know the “opportunity costs”  involved. Also - good news if you like to ⁠check bags⁠ on flights.  401(k) Loans: Segment 1 Ask Clark: Segment 2 No More Lost Luggage!: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Is a 401(k) Loan a Good Idea? Almost Never⁠ ...
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05.16.25 Clark Answers His Critics on Clark Stinks / Bumpy Ride For Car Buyers

May 16, 2025 • 33 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also, potential car buyers face a lot of questions right now -  should you buy new or used? If buying used, is Certified Pre-Owned (CPO) the way to go? Clark shares advice to help you navigate decision making.  Clark Stinks: Segments 1 & 2 Vehicle Purchase: Segment 3 Ask Clark: Segment 4 Mentioned on the sh...
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05.14.25 Saving Strategy: Series I Savings Bonds / The U.S.-China Tariff Reprieve

May 14, 2025 • 31 mins
Today, learn more about I-Bonds. Are they still worth buying? Clark explains how I-Bonds work and why they can be a solid part of your saving strategy. Also, the tariff news keeps coming, with a temporary reprieve on goods from China now in effect. Clark discusses what this will mean for consumers and merchants moving forward. Series I Savings Bonds: Segment 1 Ask Clark: Segment 2 The Tariff Reprieve: Segment 3 Ask C...
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    About The Clark Howard Show

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