The Clark Howard Podcast 09.24.25 The Geography Of Retirement / Fast Food Value Wars
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Sep 24, 2025 How much do you really need to retire? It greatly depends on where you live, with dramatic cost differences between states. Fast food is seeing a resurgence in value wars, with restaurants offering app-only discounts to attract customers amid inflation. Plus, tips on avoiding common financial pitfalls, like unnecessary roadside assistance on auto insurance. The podcast also emphasizes the importance of creative retirement planning to stretch your dollars further.
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Retirement Costs Vary By State
- Where you retire dramatically changes how much you need because living costs vary widely by state.
- Clark highlights that Hawaii can be roughly three times more expensive than the cheapest states like West Virginia.
Small Moves Can Yield Big Savings
- Small moves within regions can produce big savings, like moving from Massachusetts to New Hampshire.
- Clark notes New Hampshire is about 40% cheaper than Massachusetts while preserving regional ties.
Never Mail Checks Or Share Routing Numbers
- Avoid mailing checks because mailed checks can be stolen and misused.
- When asked for routing/account numbers online, prefer handing cash or giving the parent a check instead of sharing account details.