
The Clark Howard Podcast
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.
Latest episodes

Dec 12, 2024 • 38min
12.12.24 Subscription Wrangling / Estate Planning in 3 Steps
Uber's troubles with the FTC serve as a crucial reminder to manage your subscriptions wisely and protect your finances. Warren Buffett's advice on estate planning highlights three essential steps for safeguarding your legacy. Stories of scams, particularly SIM swap fraud, emphasize the need for consumer vigilance. Tips on refinancing and cashback incentives are shared, alongside strategies for managing multiple subscriptions. The importance of clear estate planning and holiday giving for foster care children is also discussed.

5 snips
Dec 11, 2024 • 32min
12.11.24 Tariffs And Car Prices / Store-Branded Credit Cards
Discover how rising tariffs could lead to soaring car prices and whether now's the time to buy. Clark shares insights into store-branded credit cards, warning against their high-interest pitfalls and labeling them as 'junk credit.' Listeners also hear heartwarming stories of credit score triumphs and practical tips for navigating the holiday shopping season. Plus, get advice on tackling high rental car rates for holiday travels. Tune in for valuable financial wisdom!

7 snips
Dec 10, 2024 • 32min
12.10.24 What Is Mortgage Recasting? / Fast Food Innovations
Discover the ins and outs of mortgage recasting, including its benefits and how it stacks up against principal prepayment. Dive into the world of innovative fast food, where apps and AI are transforming customer experiences, alongside the rise of healthier vending machine options. The discussion also touches on the implications of fast food delivery fees and expands into crucial financial choices, like whether to contribute to a Roth IRA or prioritize mortgage payments.

16 snips
Dec 9, 2024 • 33min
12.09.24 The Property Tax Problem / The Decision to “Unretire”
Rising property taxes are putting financial strain on homeowners across the country, with North Dakota's recent tax elimination failure highlighting the issue. The conversation also dives into the trend of 'unretiring,' encouraging a smoother transition to part-time work for many. Listeners are cautioned about the risks of buying rental cars, emphasizing the importance of checking maintenance history. Additionally, advice on gifting vehicles and managing negative equity offers practical tips for navigating personal finance.

Dec 6, 2024 • 34min
12.06.24 Clark Answers His Critics on Clark Stinks / 401(k) Savings - 2025
It's Clark Stinks day, where listener critiques are shared and discussed! Older workers can now capitalize on new 401(k) savings options, allowing for 'super catch-up' contributions. The conversation dives into the importance of corporate accountability in various sectors and navigating life's frustrations. Strategies for improving credit scores and understanding retirement accounts, including Roth options, are highlighted. Clark encourages support for charitable initiatives, particularly for children in foster care, emphasizing the joy of giving.

5 snips
Dec 5, 2024 • 34min
12.05.24 Update: Series I Savings Bonds / A Warning About Fidelity
This episode dives into the latest changes in Series I Savings Bonds, offering timely advice for savvy savers. Listeners will discover the pitfalls of major investment firms like Fidelity, Vanguard, and Schwab, as they face criticism for service and product quality. There's also valuable guidance for young investors on making the most of a $2,000 investment with a Roth IRA. Plus, the discussion highlights smart strategies for navigating homeownership and investment options, ensuring everyone is equipped for financial success.

Dec 4, 2024 • 32min
12.04.24 Buying Advice: Big Screen TVs / How Companies Can Be More Profitable
This discussion dives into the best tips for buying big screen TVs this holiday season, highlighting the evolution of television technology and consumer preferences. Listeners get insights into how employee treatment directly enhances customer experiences, ultimately boosting company profits. The conversation also touches on financing issues, such as reshaping auto loans, and the complexities of online emotional support animal letters. Plus, it explores the rising trend of employee ownership in fostering successful businesses.

Dec 3, 2024 • 29min
12.03.24 Homeowners Insurance Check-Up / Safe Charitable Giving
Explore the shifting landscape of homeowners insurance and the risks of being underinsured as home values soar. Discover practical strategies for securing proper coverage and navigating rising premiums. As the holiday season approaches, learn how to donate wisely and avoid charity scams, ensuring your contributions make a real impact. Plus, gain insights into investment strategies tailored for young investors and the importance of regularly reviewing insurance policies for better protection.

Dec 2, 2024 • 32min
12.02.24 SAVE On Domestic Airfare / Amazon Health Services
Learn how to save on domestic airfare while navigating new airline refund rules. Discover the benefits of one-way flight searches for snagging better deals. Dive into Amazon's expansion in healthcare and its innovative services that enhance consumer access to medical care. Hear about a listener's battle with unexpected medical costs and the complexities of billing. Plus, get tips on how to maximize your health checkups and make meaningful donations during the holiday season with a charity focused on supporting foster children.

Nov 29, 2024 • 36min
11.29.24 BEST OF: Clark Answers His Critics on Clark Stinks / Clark Rule For Booking Travel
Amidst Thanksgiving reflections, a spirited discussion unfolds about listener feedback in the 'Clark Stinks' segment. Insights on travel booking highlight the importance of protecting your money, especially in an unstable cruise industry. Personal anecdotes blend with practical advice, emphasizing the dangers of using debit cards and the value of trip insurance. Tips for booking travel early and navigating car rental complexities add to the treasure trove of financial wisdom shared, ensuring listeners are better equipped for their next adventure.