The Clark Howard Podcast

Listen to lively discussions addressing listener criticisms along with valuable skincare tips. Discover the importance of choosing the right sunscreen to protect against UV rays, with standout recommendations for safety and affordability. Explore intriguing insights on gasoline quality, family finances, and the complexities of co-signing loans. Delve into the shift in tipping culture and gain advice for retirees navigating their community options. This episode is packed with practical tips and entertaining anecdotes!

Discover the high stakes of prescription drug prices in the U.S. as a recent executive order aims to bring relief. Learn about the hidden costs from pharmacy benefit managers and get savvy tips to save on your meds. Meanwhile, beef prices are surging, attributed to the lowest cattle herds in decades. The discussion highlights shifting dietary habits and the impact on restaurants. Plus, there's a dive into the pros and cons of stock trading apps like Robinhood, emphasizing the importance of financial literacy in today’s world.

Wes Moss, a fiduciary financial advisor, shares insights into the world of investing and the job market. He tackles the age-old question of whether investing in gold is a smart move, weighing its historical significance against current market trends. Meanwhile, he discusses a concerning prediction about AI potentially eliminating half of entry-level jobs in the coming years, urging listeners to consider both the risks and opportunities this technology presents. He answers listener questions, blending financial advice with forward-thinking strategies.

As summer road trips approach, it’s crucial to understand the implications of lengthy auto loans on your finances. Clark warns about sophisticated skimmer scams at gas pumps and shares key strategies to safeguard your money. He also tackles the potential risks of QR code scams, urging vigilance. Plus, listeners can gain insights into car rental costs versus ferry transport options for a trip to Nova Scotia, and the benefits of annual travel insurance for frequent travelers.

Listen in as listener critiques are aired in a lively segment, sparking discussions on accountability. A new technology aiming to reduce speeding ignites debates over safety versus privacy. Discover practical tips like navigating Health Savings Accounts and understanding the intricacies of car rental insurance. The conversation also dives into alternate investment strategies and home renovation insights, offering listeners smart ways to save and manage expenses while weighing their financial decisions.

Rising auto insurance rates have consumers scrambling for better deals; discover smart shopping strategies and hidden gems among lesser-known insurers. Family conversations about money become crucial amid economic uncertainty, helping families brace for potential downturns. Tips for navigating currency fluctuations for travel payments and insights for booking cruises highlight savvy financial choices. Explore the importance of open discussions on financial topics within families to foster preparation and resilience during tough times.

Wes Moss, a fiduciary financial advisor, shares his expertise on retirement planning. He presents a crucial 10-point checklist to ensure you're ready to retire. Learn how to effectively transition from saving to spending while managing various retirement accounts. Wes elaborates on strategic withdrawals from 401(k)s and IRAs for tax efficiency. Plus, he addresses listeners' burning questions about investing. The chat even takes a fun detour into discussing favorite apple varieties, showcasing the lighter side of financial advice!

Listeners dive into the fixed challenges surrounding U.S. air traffic control, including a critical shortage of controllers impacting summer travel. Clark explores Canada’s successful approach to air management and shares smart travel strategies. The episode also engages with community feedback, discussing financial pitfalls linked to credit card rewards for low-income users. Clark's personal insights on handling prostate cancer treatment bring a heartfelt touch, while humorous anecdotes add flavor to the serious discussions around travel and finance.

The airline industry is facing a recession, leading to service cuts and creating both challenges and opportunities for travelers. Discover practical strategies for managing flight changes and booking options. Navigate international travel with tips on staying connected, including mobile plans and local SIM cards. The podcast also addresses the resumption of student loan repayments, offering guidance on managing debt and understanding repayment options. Lastly, learn how to maximize credit card rewards while keeping your finances in check.

Wes Moss, a fiduciary financial advisor, shares valuable insights on investing and retirement savings. He raises concerns about whether we're in a passive investing bubble due to the popularity of index funds. Wes also explains the advantages of dollar cost averaging versus lump sum investing, emphasizing its ability to reduce anxiety and manage market volatility. Listeners get practical advice on IRA rollovers and strategic retirement planning, making this a must-listen for anyone navigating financial decisions.