The Clark Howard Podcast 10.31.25 Clark Answers His Critics on Clark Stinks / Recession Proof Your Life
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Oct 31, 2025 It's Clark Stinks day where listener critiques spark lively discussions. Clark shares insights on recession probabilities and offers practical steps for financial preparedness. He emphasizes the importance of tackling high-interest debts and building emergency reserves. The podcast also dives into the FICO vs. credit bureau debate, shedding light on identity theft concerns. Plus, listeners weigh in on ad-free streaming choices, and Clark warns about risks when buying medications from foreign pharmacies.
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Rebuild After Bankruptcy
- Andy shared that after filing Chapter 11 in 2016, he and his wife rebuilt finances and reached an 832 credit score nine years later.
- Their refinance became easy and Clark credited their hard work and changed attitudes about money.
Recession-Proof Your Finances
- Do prepare your personal finances now by assuming a potential recession and planning for job loss or income disruption.
- Do reduce lifestyle debt, build reserves, write down balances and interest rates, and use budgeting tools to make a payoff plan.
Recession Is Cyclical And Uneven
- Recessions are a normal cyclical part of capitalism driven by excess expansion and debt accumulation.
- Some states already show recession signs while others still grow, so national outcomes can vary regionally.