The Clark Howard Podcast

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.

Navigating financial challenges? Discover how to avoid money traps associated with housing and transportation costs. With 2025 bringing back more in-office work, anticipate heavier metro traffic and learn strategies to cope. Delve into the complexities of homeownership and its hidden expenses, plus tips for safe vehicle purchases. The podcast also tackles the importance of understanding medical privacy in consumer tests and offers insights into evolving workplace culture. Don't miss expert advice on managing elderly driving safety too!

This week, the discussion dives into rising energy prices, revealing surprising causes behind the spike. Home building practices are also reexamined, emphasizing the need for efficiency. Listener feedback in 'Clark Stinks' brings humor and insights into financial advice. Clark shares practical tips on lowering heating bills and navigating complex issues like switching phone carriers and understanding credit reports. Additionally, he clarifies the fiduciary role in financial services, helping consumers make informed choices.

Many aim for a perfect credit score, but it's often unnecessary—aiming for 760-780 is more realistic. Learn how to manage your credit effectively and what to do about missed payments. When travel plans go awry, having strategies in place is crucial. Discover tips for handling cancellations and the best ways to advocate for yourself with service reps. Finally, explore smart strategies for booking affordable flights and using hotel points efficiently, ensuring your travel experience is as smooth and budget-friendly as possible.