The Clark Howard Podcast
Clark Howard
Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.
Episodes
Mentioned books
Jan 12, 2026 • 33min
01.12.26 A Plan For Credit Card Debt / Online Grocery Prices
Struggling with credit card debt? Discover a three-step strategy to regain control and a smart approach to minimize interest with quick payments. Dive into the pros and cons of online grocery shopping, as dynamic pricing and quality concerns come under scrutiny. Learn how services like Walmart Plus and Amazon Prime can save you cash, while Clark also highlights the hidden fees in international shipping. Plus, get tips on navigating insurance denials and understanding travel insurance coverage amidst strikes.
9 snips
Jan 9, 2026 • 37min
01.09.26 Clark Answers His Critics on Clark Stinks / The Future Of Auto Insurance
Listener critiques spark a lively discussion as Clark addresses misunderstandings and language choices. There’s promising news for auto insurance rates, with trends suggesting lowered costs on the horizon. Exciting insights on self-driving technology reveal significant reductions in accident rates. Clark also weighs the pros and cons of usage-based insurance policies, including a Tesla program offering low rates for mileage. Plus, essential advice for parents insuring college-age drivers ensures you won't be caught off guard.
18 snips
Jan 7, 2026 • 29min
01.07.26 What Early Tax Filers Need To Know / When To Take Social Security
Tax time is here, and confusion reigns over IRS filings. Discover why the Direct File option is disappearing and how Free File can still help taxpayers. Clark dives into the timing of Social Security benefits, advising to wait until age 70 for maximum gains, with key exceptions. He also explores the benefits of Health Savings Accounts for families, credit freeze tips, and the implications of selling rental properties if they become burdensome. A treasure trove of financial wisdom awaits!
9 snips
Jan 6, 2026 • 35min
01.06.26 Ask An Advisor With Wes Moss
Discover how your net worth stacks up against America's wealth statistics and find out the percentage of Americans who qualify as millionaires. Wes Moss shares a proven blueprint for financial freedom, emphasizing consistent savings and smart investing. He tackles concerns about job security in the age of AI and discusses the strategic potential of buying a college-area condo. Plus, learn about buffered ETFs and the importance of retirement planning for a happier future. Tune in for practical advice and insightful answers to listener questions!
9 snips
Jan 5, 2026 • 29min
01.05.25 How To Handle A Hospital Bill / Lower Power Costs
Unravel the mystery of hospital bills and discover why an itemized statement is your best ally. Learn how AI and patient advocates can challenge and drastically lower costs. Dive into innovative energy-saving solutions, from reflective shingles to quick-install window heat pumps, designed to shrink your heating bill. Plus, uncover the sneaky tactics behind warranty solicitations and how marital status can affect your insurance premiums. Get ready to save money and become a savvy consumer!
9 snips
Jan 2, 2026 • 32min
01.02.26 2026 Smarter Spending Resolution / Clark Answers His Critics on Clark Stinks
Kickstart the new year with savvy shopping tips! Clark warns against the dangers of buy-now-pay-later schemes and stresses the importance of making wise buying decisions. He shares insights on comparing grocery stores like Aldi and Lidl to warehouse clubs. Plus, a fun digital detox strategy is introduced! Tune in for candid moments in 'Clark Stinks' where he addresses listener feedback and corrections. From life insurance confusion to the quirks of digital payments, it's a lively discussion that aims to empower listeners to make smarter financial choices!
8 snips
Dec 30, 2025 • 37min
12.30.25 Ask An Advisor With Wes Moss
Wes Moss, a CFP® and financial advisor, discusses surprising insights from his Money and Happiness study, revealing the '3.6 Rule'—having five close friends boosts retirement happiness. He highlights how social connections impact financial security, emphasizing that investing in relationships is as crucial as financial planning. Additionally, Wes analyzes current job market trends, examining the steady employment-population ratio despite rising unemployment rates, offering a clear view of the economic landscape.
11 snips
Dec 29, 2025 • 30min
12.29.25 Save On Ride Share Services / Up In ARMs - The Adjustable-Rate Mortgage
Get ready for a bustling New Year's Eve with money-saving tips for ride-sharing options like Uber and Lyft. Discover the surprising price differences between the two services to snag the best deal. On the housing front, adjustable-rate mortgages are making a comeback, but Clark stresses the potential risks involved. Learn when it might actually be wise to consider an ARM. Plus, gain insights into digital wallet security and tips for effective travel booking. Tune in for practical advice that could save you money as the year wraps up!
14 snips
Dec 23, 2025 • 45min
12.23.25 Ask An Advisor With Wes Moss
Wes Moss, a certified financial planner and investment advisor, shares vital insights on affordable healthcare for early retirees. He reveals how one woman dramatically reduced her COBRA costs from $2,500 to under $200 using ACA subsidies. Wes also discusses the implications of recent Fed rate cuts, clarifying misconceptions about future mortgage rates. Listeners can benefit from his advice on retirement planning, managing wealth, and strategic decisions around Social Security, all while addressing your burning financial questions.
Dec 22, 2025 • 31min
12.22.25 Avoid Fraud 2 Ways / The Outlook On Gas Prices
Scam alert! Criminals are impersonating Amazon security, targeting online shoppers this holiday season. Learn why storing your payment information online is a risky habit and how manual checkouts can protect your finances. Meanwhile, gas prices are on the decline, thanks to lower wholesale costs and increasing sales of electric vehicles. Clark also shares valuable tips on renting cars and saving on hotel bookings, emphasizing the importance of checking trustworthy sites. Don't miss these insights to keep your holidays merry and your wallet safe!
