The Clark Howard Podcast

Explore how to tackle annoying spam calls, texts, and emails with practical strategies for staying safe. Discover innovative solutions being implemented in Spain to combat water shortages, showcasing engineering advancements in turning seawater into drinking water. Delve into travel credit card options that maximize rewards while simplifying financial planning. Plus, get tips on navigating insurance complexities and how to maximize gas discounts through savvy credit card use.

Wes Moss, a fiduciary financial advisor and retirement expert, shares practical methods to determine how much you really need to retire comfortably. He emphasizes the importance of calculating income sources like Social Security and pensions alongside personal spending goals. The discussion also tackles how fear-mongering headlines can skew financial perspectives, promoting a long-term view instead. Plus, Wes answers listener questions, offering insights into navigating financial anxiety amid troubling news.

Discover smart ways to protect your financial accounts from fraud, especially for elderly loved ones. Learn why having a trusted contact is essential as cognitive decline poses risks. As summer travel approaches, find savvy strategies to navigate rising airfares and get the best deals. Explore resources like Google Flights and discover new airline routes that can save you money. Plus, dive into cruise gratuity policies and learn how to ensure your tips reach the right hands, all while safeguarding your vehicle during trips.

Listeners share their critiques in the 'Clark Stinks' segment, sparking lively discussions on financial advice. Changing dynamics at Amazon raise concerns about customer service and delivery challenges. Strategies for managing debt after the holidays are also covered. The importance of Wi-Fi security emerges, urging vigilance against scams. Plus, tips for trading in cars and navigating consumer pitfalls highlight the significance of staying informed in today’s marketplace.

Discover how to maximize your savings amidst banks like Capital One being accused of shortchanging customers. Learn why it's vital to save smartly, as even high earners can struggle financially. Delve into effective strategies for retirement, including the importance of a Roth 457B plan. Explore the risks of certain loans and the need for a solid emergency fund. Lastly, understand how informed investment decisions can lead to lasting financial security.

Wes Moss, a seasoned financial expert and CFP®, shares insights on building wealth and retirement planning. He highlights the rise of 'mini millionaires' and what sets them apart, such as financial independence and education. Wes also revisits the principles from "The Millionaire Next Door" and distills three key investment lessons from John Bogle, emphasizing long-term strategies and expense control. Additionally, he tackles listener questions on navigating aggressive savings and investment choices, providing valuable advice for aspiring millionaires.

As New Year's resolutions wane, discover clever tips to stay motivated at the gym and navigate gym contracts wisely. Explore the privacy risks surrounding fitness trackers and popular payment apps like Cash App and Zelle. Learn about safer money transfer options and delve into the legitimacy of tax filing websites. Plus, get insights on Costco's clever gas pricing strategy that keeps customers coming back.

Happy Valentine’s Day! This discussion dives into how couples can foster financial harmony by communicating openly about money. Navigate the complexities of wedding costs, which are soaring to around $36,000, and discover tips for prioritizing long-term financial health over extravagant celebrations. It also sheds light on the importance of credit counseling for financial challenges, alongside advice for safe travel planning and consumer rights in the realm of gift cards. Love and money can coexist with the right strategies!

Learn about the booming trend of side gigs as many look for extra income, along with tips to recognize scams and understand tax implications. Explore the critical gap in financial education for kids and ways to equip them with essential money skills. There's also a discussion on managing aging parents' healthcare and the complexities of high-mileage vehicle repairs. Plus, get insights on navigating rising life insurance premiums and the importance of improving credit health before applying for new credit.

Wes Moss, a CFP® and fiduciary financial advisor, dives into crucial financial decisions related to pensions and investments. He provides a simple method for choosing between a monthly pension and a lump sum, emphasizing the 6% test and inflation's impact. Wes shares insights on investing during high market periods, challenging the fear of peaks. He also tackles listener questions on investment strategies, exploring Vanguard funds and tax implications for inherited IRAs. This engaging discussion offers valuable tips for navigating financial waters with confidence.