The Clark Howard Podcast 12.12.25 Clark Answers His Critics on Clark Stinks / Retirement Planning 2026
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Dec 12, 2025 Dive into listener critiques as Clark addresses feedback with honesty and humor! Discover the new retirement contribution limits for 2026 and why Roth accounts might be your best bet. Clark shares insights on using HSAs for direct primary care and offers advice on managing credit utilization for big purchases. Plus, explore the indie bookstore renaissance and get tips on switching wireless carriers to save money. Finally, don't forget to set up your My Social Security account to stay on top of your earnings!
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Turbocharge Cash Back For Airline Miles
- Pairing Citi Double Cash with the Strata Elite card can amplify rewards when transferring to American Airlines.
- This combo benefits those tightly aligned with American Advantage despite Strata's high fee.
Check Hotspot Terms Before Using As Home Internet
- Avoid relying on unlimited phone hotspot as permanent home internet without checking carrier TOS and throttling rules.
- Use hotspot short-term or confirm your plan's unlimited hotspot policy to prevent throttling or penalties.
Paid-Off Mortgage Bought Peace
- Dean paid off a $100,000 mortgage using brokerage gains and now feels peace and freedom.
- He now contributes heavily to retirement and keeps an emergency and sinking fund after eliminating debt.