The Clark Howard Podcast 11.12.25 Shopper Guidance In The K-Economy / Screen Addiction Solutions
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Nov 12, 2025 Explore the impact of the K-shaped economy, where essentials are subsidized while luxury items thrive. Learn smart shopping tips to make every dollar count, favoring basics over pricey wants. Delve into the rising issue of screen addiction, with listeners sharing effective strategies to cut down phone usage. From adopting flip phones to engaging in phone-free hobbies, discover innovative ways to reclaim time from screens. Plus, tips on using financial tools securely and the real costs of long-term care to prepare for the unexpected.
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K-Shaped Economy Reverses Pricing
- The U.S. is in a K-shaped economy with a large split between those thriving and those struggling.
- That split reverses pricing: everyday 'have-to' items are relatively cheaper while 'want-to' items are marked up.
Buy Basics And Store Brands
- Avoid buying 'new and improved' premium versions when stretching your budget.
- Buy basics and store brands to get more value because retailers are pricing essentials cheaply.
Use Brokerage CDs For Short-Term Savings
- If you have short-term savings for a home purchase, lock it into brokerage-placed CDs for higher rates.
- Avoid leaving large sums in high-yield savings since rates are headed down.