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
8 snips
Oct 13, 2025 • 34min
10.13.25 The Cost Of Streaming TV / Can You Trust CPO Vehicles?
Is streaming TV becoming a must-have expense? Discover surprising stats on consumer preferences and how to save on your favorite shows. Recent price hikes, especially from Disney, are reshaping the streaming landscape with ads becoming more acceptable to viewers. Transitioning to certified pre-owned vehicles? Learn about the CPO program's origins and the importance of independent inspections before purchase. Plus, find out if car wash memberships pay off for frequent users!
10 snips
Oct 10, 2025 • 32min
10.10.25 Clark Answers His Critics on Clark Stinks / The Truth About “Free” Phone Offers
Critics weigh in during Clark Stinks, sparking lively discussions about antenna choices and moving costs. Clark debunks the allure of 'free' phone offers, revealing hidden fees that can drain your wallet. They explore smart strategies for using ATMs abroad and compare college football experiences with the NFL. Tips on retirement savings using HSAs versus Roth 401(k)s round out the conversation. Expect insights on navigating the evolving streaming landscape as prices change!
21 snips
Oct 8, 2025 • 26min
10.08.25 The Quest To Spend Less / WARNING: Fake Medical Pitches Online
Consumers are increasingly hunting for bargains, with dollar stores becoming popular across all income levels as a savvy reaction to rising prices. Meanwhile, there's a warning about fake medical ads online; scammers are leveraging AI to create deceptive endorsements that can lead to financial and health risks. Listeners are advised to be cautious with online medical claims and to consider reputable sources for health information. Additionally, tips on mortgages and virtual credit card use for subscriptions help empower savvy financial decisions.
20 snips
Oct 7, 2025 • 43min
10.07.25 Ask An Advisor With Wes Moss
Is inflation ultimately friend or foe for your investments? Discover the inflation range that helps stocks thrive and how it affects growth versus dividend stocks. The show also critiques the $5 million American Dream, breaking down its components like housing and kids. Learn how smart investing can lower the income needed for a comfortable retirement. Plus, get advice on life insurance and college savings strategies like 529 rollovers. Tune in for practical insights and listener questions!
17 snips
Oct 6, 2025 • 36min
10.06.25 Calculating Retirement / Housing Innovations
A viral TikTok video proposes a strategy to amass $4 million by retirement, sparking discussions on early investments and the magic of compounding. A new tool helps personalize retirement savings calculations. Innovative housing solutions are explored, including modular apartments and software-driven microfactories that could revolutionize construction. Advanced materials like energy-efficient concrete might just be the key to addressing the housing shortage in the U.S.
22 snips
Oct 3, 2025 • 34min
10.03.25 Clark Answers His Critics on Clark Stinks / Travel Warning: The Luggage Tag Scam
Clark dives into listener feedback, defending his advice against claims of being too risk-averse. He shares a warning about a sneaky luggage tag scam targeting travelers, and discusses the benefits of using AirTags for checked bags. The conversation also touches on the pros and cons of Airbnb and the evolving landscape of payment security amidst AI advancements. Plus, hear tips on how to save money by re-shopping car rentals and recommendations for travel credit cards.
16 snips
Oct 2, 2025 • 37min
10.02.25 SPECIAL EDITION: A tribute To Financial Mentor Jonathan Clements
In this heartfelt tribute, Jonathan Clements, a renowned financial writer and founder of HumbleDollar.com, shares profound insights on living meaningfully in the face of terminal illness. He discusses the challenges of discussing death and urges listeners to embrace acceptance while finding joy in daily life. Clements emphasizes the importance of clear financial planning, including creating a family inheritance document and organizing essential papers. His reflections on frugality and creating lasting memories offer a poignant reminder of what truly matters.
36 snips
Oct 1, 2025 • 31min
10.01.25 Warning: Sports Gambling / Assignment: Your Credit Report
Dive into the risks of modern sports gambling, as Clark highlights the alarming rise in addiction among young adults due to easy access and micro-betting. Discover why it’s crucial to check your credit report for inaccuracies that could hurt your finances. Get insights on using Credit Karma and managing credit freezes effectively. Plus, explore the benefits of clear communication around checking and savings accounts. This engaging discussion is packed with practical tips to help you navigate financial pitfalls!
22 snips
Sep 30, 2025 • 38min
09.30.25 Ask An Advisor With Wes Moss
Discover why a 30-minute financial conversation with family can drastically reduce anxiety in times of crisis. Wes introduces the 0.01% Rule, a clever way to spend without regret. He also discusses the surprising statistic that nearly half of Americans lack a written financial plan. Explore the implications of withdrawing more than 4% from a paid-off home and the pros and cons of the Buy-Borrow-Die strategy for retirees. Plus, Wes offers insights on whether to keep TSP funds or roll them over to Vanguard.
46 snips
Sep 29, 2025 • 31min
09.29.25 This Open Enrollment Is Different / A Good Climb: CD Ladders
Health insurance choices for 2026 are nuanced this year, with rising costs and new employer reimbursement plans requiring careful review. Clark discusses the shift towards individual market risks as employers change how they provide coverage. He introduces the concept of CD ladders as a smart strategy to handle savings amidst fluctuating interest rates. Listeners also get insights on arbitration changes, how to navigate fees with purchase disputes, and the benefits of dedicated phones for two-factor authentication.
