The Clark Howard Podcast

This discussion dives into the hidden costs of borrowing from a 401(k) and the importance of maintaining strong saving habits. It also highlights smart travel tips for checking bags, including the benefits of using technology like AirTags to track luggage. Additionally, listeners learn about the advantages of eSIM technology for staying connected while traveling, along with crucial banking insights to safeguard their finances. Lastly, a heartfelt story showcases the resilience of a restaurant chain rejuvenated by a community effort against corporate challenges.

Listeners explore the world of car-buying challenges, with insights on whether to buy new or used. Tips on Certified Pre-Owned vehicles highlight the importance of research. The hosts tackle listener criticisms, diving into financial habits and the implications of payment plans. They'll also discuss surprising elements of Roth 401(k) plans and how to use IRA distributions for charitable causes. Plus, they provide essential advice on navigating insurance, lease frustrations, and the risks of using paper checks. It's a comprehensive dive into smart consumer choices!

Discover the ins and outs of Series I savings bonds, including their inflation protection and appealing interest rates. Learn if they are still worth your investment. Plus, dive into the recent U.S.-China tariff reprieve and what it means for consumers and merchants alike. The discussion doesn't stop there, as potential car purchase scams and health tech advancements like the Dexcom glucose monitoring systems are also covered. Stay informed with practical advice for financial safety and smart savings!

Wes Moss, a fiduciary financial advisor known for his expertise in investing and retirement savings, joins to break down the world of ETFs, index funds, and mutual funds. He explains when to use each investment vehicle and clarifies the crucial differences between retirement and brokerage accounts. Wes emphasizes the importance of long-term strategies and diversification in navigating market volatility. He also answers listener questions, ensuring that both new and seasoned investors get the insights they need to plan effectively.

Income inequality in the U.S. has reached alarming heights, with the top 10% holding 70% of the wealth. This disparity significantly affects those struggling at the bottom. The conversation also dives into the privacy issues surrounding smart devices, particularly Amazon's Alexa, raising concerns about constant monitoring. Listeners receive tips on protecting their credit and navigate frustrations with customer service, especially when dealing with unexpected charges. The show combines financial wisdom with a keen awareness of modern privacy risks.

Listeners engage in Clark Stinks, sharing feedback and critiques. The conversation shifts to restaurant resilience, examining how eateries adapt to high costs. Technology and efficiency redefine restaurant operations as they seek to thrive. Investment strategies, including tips on gold and credit card rewards, also spark discussion. Clark emphasizes universal retirement solutions, aiming for easier savings access for all Americans. Adaptation and innovation emerge as key themes in today's challenging market.

Learn how to protect your home from title theft and whether title lock services are worth the investment. Discover the alarming rise of scammers exploiting online auctions and delivery systems. As layoffs increase, get essential tips for job seekers, including the role of AI in recruitment. Finally, navigate challenges like credit freezes and misleading insurance ads to make informed financial decisions.

In this session, fiduciary financial advisor Wes Moss shares his insights on homeownership as a potential investment and a safeguard against inflation. He discusses the benefits of viewing a home as a 'forced savings plan' and why it can be central to retirement wealth. Wes also introduces the '5 P's' framework to enhance discussions with financial planners, emphasizing planning goals and tax implications. Plus, he answers listener questions on smart investment strategies, including ETFs versus individual stocks. Tune in for practical financial wisdom!

Burglars are getting tech-savvy, using hidden cameras to scope out homes—find out how to protect yourself. When booking hotels, steer clear of non-refundable options to avoid financial pitfalls. Discover innovative ways to navigate rental car bookings and travel insurance complexities. Plus, hear real stories about the importance of verifying hotel websites to dodge scams. Stay informed with practical tips and community advice for better decision-making.

Listeners share their thoughts in the Clark Stinks segment, particularly about personalized financial strategies for Social Security. A new tool emerges to help businesses navigate tariffs, showcasing American innovation. Discussions dive into the complexities of customer service interactions, including airlines and Costco memberships. The podcast also tackles the intricacies of global manufacturing, labor costs, and the uncertainties of home renovations, while advising against extended warranties in favor of proactive savings.