The Clark Howard Podcast

Rising food prices are impacting dining habits across America, prompting creative money-saving strategies. Home cooking and membership discounts are key to cutting costs. Meanwhile, shipping challenges highlight the inefficiencies of the Postal Service, with alternatives like Pirate Ship offering affordable solutions. The discussion also touches on the impact of tariffs on appliance prices and the importance of maintaining good credit habits. Expert advice on navigating financial planning also emphasizes the value of fiduciary responsibilities.

In this episode, Clark faces his critics with a dose of humor while tackling important listener feedback. There’s a deep dive into the electric vehicle market, discussing whether now is the right time to buy an EV before tax credits shift. Insights into credit card changes and the perks of Costco Travel add to the mix, along with a spotlight on the benefits of energy audits and the complexities surrounding pet insurance. Expect practical advice with a light-hearted twist!

The challenges of online retail returns are staggering, with costs nearing a trillion dollars annually. Dishonest customers elevate these issues, prompting retailers to rethink their return policies. Listeners also dive into the current state of the home improvement market, balancing the potential for renovations against economic uncertainty. Practical advice includes safeguarding real estate transactions and comparing vehicle upgrades, all while emphasizing financial planning strategies for a secure future.

Wes Moss, a fiduciary financial advisor and author focusing on retirement strategies, dives into crucial financial topics. He explores the optimal timing for taking Social Security benefits, emphasizing personalized scenarios to maximize payouts. Wes also discusses target date funds, comparing them to TV dinners for their convenience while cautioning that they’re not without flaws. The conversation is lively, covering various listener questions about investment strategies and planning for retirement, making complex topics more accessible.

The rising costs of auto insurance take center stage as insurers increasingly track drivers, sometimes without their consent. Discover the ins and outs of usage-based premiums, which can either reward or penalize conscientious drivers. Later, get the scoop on credit card surcharges at gas stations, where surprise fees can hit your wallet hard. Clark argues for transparency in these practices, providing essential info to help you navigate your finances wisely.

This discussion dives into listener critiques and the importance of learning from feedback. It offers valuable insights into the current job market, especially for recent graduates, suggesting trades as a viable path. There's a comparison of mutual funds and ETFs, exploring their tax implications. It also highlights secure payment methods and addresses concerns about financial tracking tools. Plus, Clark shares tips on protecting financial data and the benefits of gaining work experience while in school.

The cruise industry is experiencing a shift as demand wanes, prompting savvy tips for cheaper travel options and better experiences. Listeners learn how to navigate independent excursions and find budget flights. On the housing front, innovative building techniques from Brooklyn promise to tackle America’s affordable housing crisis. Additionally, urgent advice is given on solar panel installation to maximize savings. The conversation balances travel insights with pressing issues, making for an enlightening and entertaining listen.

Wes Moss, a fiduciary financial advisor and author of 'What the Happiest Retirees Know', shares crucial insights on retirement planning. He warns listeners about a significant Roth 401(k) rollover mistake related to the 5-year rule that could lead to big losses. Wes also shares heartwarming wisdom drawn from a couple's retirement journey, highlighting essential keys to a happy retirement. Additionally, he tackles listener questions, providing valuable strategies for optimizing Social Security and navigating market fluctuations for financial stability.

Scams on social media are running rampant, with influencers and bots misleading users about products and investments. Meanwhile, health insurance denials are a major hurdle for many; appeals can often turn the tide in your favor. The conversation highlights the importance of consumer vigilance and understanding patient rights to combat these issues. With rising ambulance costs and insurance complexities, the discussion emphasizes the need for awareness and informed advocacy in healthcare.

Today’s discussion dives into the concerning trends in retirement accounts and the best practices for maximizing 401(k) benefits. There’s a strong focus on the role of small businesses in wealth creation and economic stability, especially amid uncertainty. Listeners learn about the importance of steady retirement saving and common pitfalls to avoid. The podcast also tackles the intrigue of Moo Moo's high-yield savings offer and highlights the critical importance of understanding insurance in today’s financial landscape.