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
August 1, 2025 • 34 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, a Christmas pricing preview - and word to Amazon Prime loyalists about new pricing, and cheaper alternatives.
Clark Stinks: Segments 1 & 2
Amazon Price Changes: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why You Should Never Mail a Check / What Is FedNow?
What Is...
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July 30, 2025 • 30 mins
With car insurance rates escalating, many people are serious about shopping around for a better deal. Clark offers guidance for lowering that bill. Also, a topic of great interest to Clark and vital to us all: Energy and the factors affecting how much we pay.
Save On Auto Insurance: Segment 1
Ask Clark: Segment 2
Energy Diversity: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why You Need To Shop Your...
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July 29, 2025 • 35 mins
Are You Richer Than You Think? and This Little-Known Strategy Can Save You a Ton in Taxes
Do you feel rich? Fiduciary financial advisor Wes Moss breaks down how to calculate your “rich ratio” and reveals surprising signs you're wealthier than you realize. Plus, discover the little-known NUA rule – a potential tax-saving strategy that could save you thousands on your 401(k)!
Plus, Christa shares your #AskWes questions and Wes give...
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July 28, 2025 • 29 mins
Today - Clark discusses how retailers and consumers are handling inflation. To deal with higher prices, we’re changing how & where we shop. It works! Also, it's more important than ever to be on guard because scam attempts are nearly constant. Clark alerts you to some of the latest scams so you don’t get ripped off.
Offset Inflation: Segment 1
Ask Clark: Segment 2
Most Common Scams: Segment 3
Ask Clark: Segment 4
...
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July 25, 2025 • 33 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark discusses some unusual developments happening with air travel right now, including lower fares to Europe, and explains how reshopping advance bookings can save frequent flyers big money.
Clark Stinks: Segments 1 & 2
Airfares to Europe: Segment 3
Ask Clark: Segment 4
Mentioned on t...
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July 23, 2025 • 30 mins
To save more, it’s important to tackle the “monthlies” - those bills that come due month after month. Today, Clark discusses how the cable monopoly is weakening and now you have more affordable choices for home internet. Also, a big monster mega bank with a lengthy rap sheet, formerly referred to by Clark as “criminal enterprise posing as a bank” - seems to have emerged from the dark side.
Save On Home Internet: Segment 1
...
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July 22, 2025 • 46 mins
10 Financial Myths That Are Costing You Money
Are you falling for common financial myths that are holding back your wealth? Fiduciary financial advisor Wes Moss debunks 10 prevalent financial misconceptions that could be costing you big time!
10 Investing Myths That Are Costing You Money
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 22, 2025 Ask an Advisor episode of the Clark H...
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July 21, 2025 • 34 mins
We all have to eat, but these days, eating out can eat up your wallet. Many Americans are adjusting their food spending habits, and Clark has some tips for you. Also, for those who regularly mail out packages, Clark discusses options for reliable, affordable shipping.
Food Savings: Segment 1
Ask Clark: Segment 2
Clark Smart Shipping: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Axios: 1 big thing: H...
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July 18, 2025 • 36 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses upcoming opportunity in the car market, and answers the question: should you buy an EV now before the tax credit expires on new and used electric vehicles.
Clark Stinks: Segments 1 & 2
An EV Purchase: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark Howard's Take on the C...
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July 16, 2025 • 30 mins
You bought it, you wore it once, then sent it back. Maybe you just changed your mind. In addition to online purchases necessitating more returns, there are those gaming return policies. Clark predicts how this challenge for retailers will become costlier for consumers. Also - Is now a good time to tackle a home improvement project? There’s something going on in the market you need to know.
Retail Returns Costly: Segment 1
As...
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July 15, 2025 • 45 mins
Best Time To Take Social Security and Why Target Date Funds Are Good, but Not Perfect
What’s the best time to take Social Security? Fiduciary financial advisor Wes Moss breaks down several scenarios to help you optimize your Social Security check. Also, target date funds have long been a popular option as a “set it and forget it” easy button for investing. Wes shares why this “TV dinner” of investing is a good – but not perfect – ...
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July 14, 2025 • 28 mins
Clark has recommended shopping for auto insurance as rates keep rising. But it’s also important to know how some insurers are tracking you surreptitiously to set rates, while others offer voluntary programs, or usage-based premiums to earn discounts, which can be a benefit or punishment. Later - Clark is in favor of businesses setting credit card surcharges in the U.S. as they do in other countries, but some gas stations have been ...
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July 11, 2025 • 35 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark offers perspectives on the current job market with advice for those seeking employment, including recent high school and college grads. Plus, for those soon heading into college, hear Clark smart advice for graduating with a solid employment path.
Clark Stinks: Segments 1 & 2
The Value Of Working Whi...
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July 9, 2025 • 33 mins
After the pandemic, the cruise industry came roaring back. But the tide is turning. Today - Clark smart direction for cruise travelers. Also, there are innovative methods of building much-needed housing in the U.S. awaiting wider adoption. Clark has an impressive case in point - courtesy of Brooklyn.
Cruise Update: Segment 1
Ask Clark: Segment 2
Affordable Housing: Segment 3
Ask Clark: Segment 4
Mentioned on the sh...
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July 8, 2025 • 40 mins
Avoid This Potentially BIG Roth Blunder and 3 Keys to Happy Retirement Success
Don't make this potentially HUGE Roth mistake! Fiduciary financial advisor Wes Moss reveals a little-known rule about rolling over your Roth 401(k) into a Roth IRA that could cost you big. If you've only contributed to a Roth 401(k), you need to hear this to avoid a costly blunder with the 5-year rule. Also, Wes recently received a retirement love lette...
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July 7, 2025 • 34 mins
From influencers peddling goods to “finfluencers” employing bot farms to push fake posts about hot stocks - schemes and scams are rife on social media, and public users aren’t the ones getting rich. Also today, why you should never take a health insurance claim denial lying down! Clark explains the denial game, and how most of the time, filing an appeal works in your favor.
Social Media Scamdemic: Segment 1
Ask Clark: Segme...
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July 2, 2025 • 35 mins
Today, Clark discusses a disturbing trend underway involving retirement accounts, and explains the best way to use a 401(k). Also, Clark explores the significance of small business in building wealth and influencing the overall economy, including the opportunities provided for workers now facing uncertainty.
Steady Retirement Saving: Segment 1
Ask Clark: Segment 2
Small Business: Segment 3
Ask Clark: Segment 4
Men...
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June 30, 2025 • 31 mins
Today - A Clark travel update about what the airlines are doing to get you to pay more for your tickets and what you can do about it. Also, Clark has talked about how the airlines and hotels continuously devalue their miles and points. Now the credit card industry is at it as well. It looks like credit card points are going the way of the airline frequent flyer miles
Airline Travel Update: Segment 1
Ask Clark: Segment 2
...
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June 27, 2025 • 38 mins
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Some banks & brokerages are playing games with your money. Clark discusses how to make sure you’re getting the best rate on savings.
Clark Stinks: Segments 1 & 2
Attention - Savings Rates: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Are Extended Warranties Ever Worth It...
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June 25, 2025 • 33 mins
Concerned about the economy and looking to save more, many people are turning to warehouse clubs. The price difference is real. But Clark has concerns about what his beloved Costco is up to with a new payment option he does NOT recommend. Also, the debt burden many of us carry is also very real. Clark discusses how people are working on getting out of debt.
The Warehouse Club Difference: Segment 1
Ask Clark: Segment 2
D...
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