The Clark Howard Podcast

Discover the ins and outs of reward credit cards as Clark reveals how issuers profit and when they truly benefit cardholders. He explains the advantages of no-annual-fee 2% cash-back cards for most consumers. Dive into the new tax brackets and learn why a Roth 401(k) might be the best choice for many, offering tax-free growth in retirement. Additionally, Clark discusses strategies for handling medical bills and securing linked payment app accounts. This episode is packed with insights to help you manage your finances wisely!

Listener feedback takes center stage as critiques from Clark Stinks add humor to the conversation. Good news emerges with a dramatic drop in residential burglaries, attributed to budget-friendly home security cameras. Clark also discusses effective strategies for avoiding UPS and USPS scams. Plus, insights on investing with target-date funds, Frontier Airlines experiences, and the complexities of soft credit inquiries provide listeners with valuable takeaways. Tune in for practical advice on insurance shopping and holiday porch piracy prevention!

Exciting changes are coming to Health Savings Accounts in 2026, making them more accessible and beneficial. Discover which vehicle—EVs, hybrids, or gas—offers the best savings long-term. Clark breaks down operational costs, revealing that driving an EV costs about $5 per 100 miles, compared to hybrids at over $6 and gas vehicles nearing $13. He also shares tips on handling old coins and discusses travel money tips for Southeast Asia. Plus, insights on avoiding potential pitfalls when purchasing cars from private sellers.

Explore the upcoming shift in retirement investing as private equity makes its way into 401(k) plans. Wes Moss breaks down what private equity is and the potential it holds for diversifying investments. While he highlights the exciting returns, he also warns of the risks involved. Discover how new collective investment trusts will likely facilitate this change, and get tips on financial education for children from wealthy families. Plus, insights on Roth versus traditional 401(k)s and the dynamics of covered call ETFs are discussed.

Food prices continue to rise - and Team Clark continues to find ways to help you control those costs.  Also today, something else costing more - electricity. With winter weather on the horizon how do you keep yourself warm and avoid setting your wallet on fire? Clark discusses ways to help you use less electricity. Grocery Savings: Segment 1 Ask Clark: Segment 2 Home Power Bills: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Save Money on Groceries: 22 Clever Ways Aldi products have a new look / Aldi rebrands its private-label products Credit Karma Review: Free Credit Score and More  /  How To Monitor Your Credit How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion How To Save Money on Utilities   /   Electrify Now Heat Pumps  /  Want a heat pump? This startup just cut the cost in half Is It Ever OK To Co-Sign a Loan With a Family Member? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Home prices have inflated so much in recent years, and banks are luring home owners to tap that home equity like it’s a piggy bank. But what does this do to your overall wealth? Before you're tempted, hear what Clark has to say about HELOCs and home equity loans. Clark Stinks: Segments 1 & 2 Home Equity Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Term Life vs. Whole Life Insurance: Understanding the Difference 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them) What Is an HSA Account and How Does It Work? Where Should I Set Up My Health Savings Account (HSA)? Report: 10 Used Cars With Big Price Drops HELOC vs. Home Equity Loan: Similarities and Differences Home Equity Loan Calculator - Clark Howard Is a HELOC a Good Idea? The Simple Answer How To Buy a House in 9 Steps What to know about online purchases and tariffs Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover new strategies for booking 2025 holiday flights and learn when high-fee travel credit cards are worth it. Clark dives into the pros and cons of popular cards like the Amex Platinum and the new Walmart CashRewards card. He also sheds light on important changes during Medicare Open Enrollment, warning about potential pitfalls with Advantage plans. Whether you're planning your next trip or reviewing healthcare options, this discussion provides valuable insights and real-world advice.

Explore the three-year bull market's future and what history suggests about its longevity. Discover why feeling financially 'set' doesn’t equate to being settled, and why peace of mind comes from a solid plan. Wes Moss dives into practical advice like portfolio rebalancing and assessing risks, tackling listener questions about mortgages, 401(k) plans, and investment strategies. He emphasizes holistic financial planning and the impact of lifestyle and taxes on achieving true financial security.

Is streaming TV becoming a must-have expense? Discover surprising stats on consumer preferences and how to save on your favorite shows. Recent price hikes, especially from Disney, are reshaping the streaming landscape with ads becoming more acceptable to viewers. Transitioning to certified pre-owned vehicles? Learn about the CPO program's origins and the importance of independent inspections before purchase. Plus, find out if car wash memberships pay off for frequent users!

Critics weigh in during Clark Stinks, sparking lively discussions about antenna choices and moving costs. Clark debunks the allure of 'free' phone offers, revealing hidden fees that can drain your wallet. They explore smart strategies for using ATMs abroad and compare college football experiences with the NFL. Tips on retirement savings using HSAs versus Roth 401(k)s round out the conversation. Expect insights on navigating the evolving streaming landscape as prices change!