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

June 9, 2026 38 mins
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 it can ...
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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 generation ...
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Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also, are you blindly renewing your lease and paying more for rent every year? Stop! A massive boom in apartment construction across most of the country has officially flipped the script. It’s time to stop being passive and start letting the market work for you. Clark breaks down the exact strategy to slash your month...
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Starting a business or a side hustle is easier than it used to be in terms of cost and technology. Is there an entrepreneur hiding inside you? While big corporations lay off loyal employees to please shareholders, nimble micro-businesses are thriving by doing things more efficiently. If you’re mid-career and sick of the corporate grind, Clark shares how you can mitigate your risk by starting a side hustle today that could become yo...
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Should You Help Your Adult Kids Buy a House? & 5 Things You SHOULD Spend More On Is helping your adult children buy a home a smart investment, or a threat to your retirement? In this episode, Wes Moss breaks down the harsh realities of today's housing market. With the median age of first-time homebuyers skyrocketing past 40 due to high prices and interest rates, more parents than ever are wondering if they should step in with down...
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Today - A warning about how much information you give an AI chatbot. Artificial intelligence tools like ChatGPT, Claude, and Gemini have made getting financial advice faster and easier than ever. But as the AI gold rush heats up, a massive privacy risk is emerging. Clark breaks down the critical things you should never tell an AI chatbot.  Also - The anatomy of a Ponzi scheme that RIPPED OFF $140 million from “investors.”  Clark co...
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Friday - Clark Stinks day! Lane (Clark’s wife!)  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also today - A shocking 81% of consumers admit to routinely making impulse buys. But while small impulse buys hurt your weekly budget, there is one major lifestyle purchase that can absolutely sabotage long-term wealth: our second biggest purchase in life - a vehicle. The average cost of a car has climbed...
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Today - For home sellers, making sure your house is ready and appealing to buyers can mean you have to have a tough skin, but it can pay off. If you want your home to stand out in today's market, you have to nail the first impression. Clark breaks down how to stop turning buyers off and start getting offers. Also, Clark shares a terrifying cautionary tale that will make you think twice about choosing "paperless" billing. A systems...
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Forced To Retire Early? The Shocking Data Everyone Needs To Know & Market Warning for Investors Why do most Americans retire years earlier than they planned? In this episode, Wes Moss breaks down a startling trend from recent 2026 retirement studies. While most workers plan to clock out around age 65 or 66, the data shows the average actual retirement age is 61 or 62. Wes explores the three major reasons behind this gap – and shar...
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also, while many of us use fitness trackers to count steps or monitor sleep, the latest data shows some of these devices are evolving into genuine lifesavers. Clark has worn a Garmin for twenty years and a Samsung smartwatch, but the Oura Ring has truly impressed him and for good reason, as new findings indicate.   ...
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With  Memorial Day weekend upon us, Clark shares important travel know-how. Navigating the rental car counter has become more like rocket science than a simple travel chore, but protecting your wallet starts with a few simple steps. With "car rental rage" on the rise due to surprise charges and poor service, it is critical to follow Clark’s timely rules. Also, if you’re looking for a domestic getaway, soft demand in a normally popu...
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10 Essential Duties of a Real Fiduciary Financial Advisor (It’s Not Just Investing) If you think a financial advisor’s only job is to pick stocks, you’re missing out on the most valuable services a true fiduciary provides. In this episode, Wes Moss breaks down the ten essential roles a fee-only advisor should play. Whether you are engineering a retirement cash flow or navigating the emotional rollercoaster of market volatility, le...
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Recent financial statistics reveal something highly disturbing: The average American saves just 4% of their pay. Saving just four cents of every dollar earned is inadequate to provide long-term security and leaves the majority of the country living on the edge of a financial cliff. If you find yourself stuck in this cycle, it is time to embrace the "penny-at-a-time" strategy.  Also, the upcoming Memorial Day weekend brings massive ...
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also, a knock on your door from a roofer claiming they’ve spotted hail damage via drone might feel like a lucky break, but it’s often a trap. While the idea of getting a "free new roof" is tempting, filing small or questionable claims is an abuse the industry no longer tolerates. Clark’s home insurance philosophy is an ...
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While Congress has made it easier than ever to access 401(k) funds through hardship withdrawals, this can be a dangerous trap for your future self. Losing out on decades of compounded interest has long-term consequences. Before you hit retirement savings to cover a financial bump, use the Team Clark 401(k) Loan Calculator to see the true cost of that withdrawal – it might just convince you to find another way to bridge the gap.  Al...
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Clark Howard & Wes Moss: Your Top Money Questions Answered! In this special episode, Clark Howard and Wes Moss join forces to answer real-world money questions from people just like you. No jargon, no fluff – just actionable advice to help you reach your goals faster. Mentioned on the show: Roth 401k Calculator - Clark Howard Roth vs. Traditional 401(k): What's the Difference? - Clark Howard Why Clark Howard Is Obse...
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In today’s real estate market, you can get burned trying to “flip” homes. The reality of today’s market means the math rarely works for the average investor. Clark explains when we’ll see a healthy environment for investment. Also - The job market is wide open for those willing to roll up their sleeves. Despite foreboding headlines warning of grim prospects for graduates, young people are finding employment more easily than expecte...
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.   Also, deciding whether to throw extra cash at your mortgage or funnel it into the stock market is one of the most debated dilemmas in personal finance, especially now that nearly a quarter of homeowners are carrying rates at 6% or higher. While Clark despises debt and champions the psychological freedom of owning your h...
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Health care costs in America have reached a breaking point, with many being forced to drop costly medical insurance entirely. But whether you’re insured or paying out of pocket, you have more power than you think. Today, Clark discusses a key practice you can incorporate to help  manage the high cost of health care. Also, we are currently in a period of intense retail instability. Clark explains how your gift cards can become worth...
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What Will Our College Grads Do for Work? & Is the U.S. Dollar Dying? In this episode, Wes Moss debunks two of the biggest myths in the economy right now. First, Wes looks at the actual data behind youth unemployment. Despite the rise of AI, the numbers for college grads aged 22–27 remain remarkably stable. Wes explains why the labor market is far more dynamic than the "net new jobs" headlines suggest – and why there is plenty of r...
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