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
17 snips
Dec 17, 2025 • 30min
12.17.25 Household $ Saving Tips / Housing: Buying Vs Renting
Discover how far people will go to save money with frugality tips from listeners, including clever hacks like repurposing butter wrappers and reusing bags. Dive into the complexities of homeownership versus renting, considering factors like market conditions, finances, and job stability. Learn why the median age of first-time homebuyers has hit 40, and explore the benefits of accessory dwelling units as a smart investment in places like Southern California. Plus, get insider tips on finding cheaper cruise deals in a post-COVID world!
19 snips
Dec 16, 2025 • 37min
12.16.25 Ask An Advisor With Wes Moss
Wes Moss, a seasoned CFP® and financial advisor, shares insights on overcoming the psychological hurdle many retirees face when transitioning from saving to spending their retirement savings. He provides tips on creating a conservative withdrawal plan and reassures listeners about using the 4% rule. Wes also discusses upcoming changes in taxes for 2026, highlighting six key actions to potentially lower your tax bill. Plus, he emphasizes the importance of choosing the right financial advisor and expands on new uses for 529 plans.
29 snips
Dec 15, 2025 • 30min
12.15.25 Protect Your Retirement Accounts / Electronic Medical Records
Discover how criminals are exploiting brokerage accounts and learn two essential steps to safeguard your retirement savings. Explore the shift to electronic medical records and why many patients aren't embracing this digital convenience. Plus, hear tips for using peer-to-peer payment apps securely and the surprising truth about dental debit card charges. Clark also tackles dynamic pricing on Amazon and why shredding junk mail is crucial for protecting your identity.
24 snips
Dec 12, 2025 • 31min
12.12.25 Clark Answers His Critics on Clark Stinks / Retirement Planning 2026
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!
31 snips
Dec 10, 2025 • 34min
12.10.25 Mortgage Refinance Guidelines / Switching Banks - Easier Than You Think
Is now the right time to refinance your mortgage? Clark dives into the criteria you need to consider. He sheds light on the hefty fees charged by giant banks and encourages a transition to regional or online banks. A fascinating method called 'soft switching' is discussed, making it easier for people to migrate their money. Plus, get tips on the best online banking options that favor your wallet. Clark also tackles the shifting landscape of credit freezes and how to be smart about your finances.
11 snips
Dec 9, 2025 • 34min
12.09.25 Ask An Advisor With Wes Moss
This week, Wes Moss, a fiduciary financial advisor and CFP®, joins the conversation to discuss crucial retirement planning tips. He warns against the risky idea of converting a Traditional IRA to a Roth IRA all at once, citing potential tax burdens. Wes also highlights the staggering amount of forgotten 401(k) accounts costing Americans billions in growth. He recommends gradual Roth conversions and shares insights on managing liquidity, Medicare implications, and the importance of diversified investments for a secure retirement.
24 snips
Dec 8, 2025 • 32min
12.08.25 Empowerment: Fitness Trackers / Home Equity: When A HELOC Makes Sense
Fitness trackers are taking health monitoring to the next level, with new studies showing they can predict serious heart conditions. Clark shares his passion for these devices, wearing multiple to track his activity and sleep. He also discusses the prudent use of home equity, emphasizing that these funds should primarily go toward improvements, not frivolous expenses. Additionally, he clarifies the differences between HELOCs and home equity loans, especially in today's market with falling interest rates.
30 snips
Dec 5, 2025 • 28min
12.05.25 Clark Answers His Critics on Clark Stinks / Recommended: Digital IDs
Critics weigh in as Clark faces listener feedback on his advice, sparking lively discussion. Dive into the benefits of digital identification, with Clark urging everyone to store their IDs electronically. He shares insights on vehicle costs, including the financial implications of electric versus gas cars. Plus, learn about maximizing savings with CDs, the importance of Medicare enrollment for expats, and must-know rental car insurance tips. All of this, wrapped in Clark's signature style of money-saving guidance!
27 snips
Dec 3, 2025 • 29min
12.03.25 Choose Lifelong Learning / Supporting Adult Children
Explore the rising trend of lifelong learning as a necessity in today’s AI-driven job market. Discover surprising statistics about parents funding their adult children and the financial risks involved. Clark advises on practical ways to support kids without hindering their motivation to work. Learn about free education resources and whether services like LifeLock are worth the investment. Plus, hear tips on verifying phone call legitimacy to avoid scams and strategies for using vacation time wisely.
9 snips
Dec 2, 2025 • 39min
12.02.25 Ask An Advisor With Wes Moss
Explore the intriguing 50-year mortgage debate, with Wes Moss labeling it a potential gimmick yet highlighting its unique benefits. Discover why home ownership matters more than ever in today's economy. Wes shares a compelling story illustrating how small changes in 401(k) savings can lead to significant retirement outcomes. Plus, dive into the pros and cons of Robinhood Gold and whether claiming Social Security early is a smart move. It's packed with insightful financial advice and real-life scenarios!
