The Clark Howard Podcast 01.26.26 Regular Retail Vs Costco / The Newly Expanded ABLE Account
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Jan 26, 2026 A look at how retailers are tightening return windows and slapping on steep fees while one big warehouse chain keeps customer-friendly perks like a price-drop refund. A deep dive into expanded ABLE (529A) eligibility and rules, including a strict 'never' rule about commission-based sales. Plus warnings about travel-authority scams and practical tips on insurance and reimbursements.
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Returns Are Eating Retail Margins
- Retailers are tightening return policies because returns often cost more to process than the original item price.
- Expect shorter windows and fees for mailed returns, and always check a store's return rules before gifting or buying.
Costco Price-Drop Refunds
- Clark shares that Costco refunds price drops within 30 days and can issue credits without a receipt by checking your account.
- He recounts getting a $20 shop card after Costco negotiated a lower price on a Dyson Airwrap.
Ask Costco For Price Differences
- If you see a price drop at Costco within 30 days, ask the membership desk for a refund of the difference.
- You don't need a paper receipt because Costco can pull your purchase from the app or computer records.