The Clark Howard Podcast

Due to inflation, there are big changes in the tax brackets. Clark discusses how this affects investing and buying some types of life insurance. Also, add new seasonal job openings to the ongoing labor shortages and know there’s great side gig opportunity out there to close any gaps in your monthly budget. But, beware the “freeway ramp scam” and its online permutations offering big money for hourly work. Make sure your side hustle is real. New Tax Rates & Brackets: Segment 1 Ask Clark: Segment 2 Second Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Here Are the New IRS Tax Brackets for 2023 WSJ: Inflation Causes IRS to Raise Tax Brackets, Standard Deduction by 7% What Is an Annuity, and Why Does Clark Think They Stink? What Is a Fiduciary Financial Advisor and Do I Need One? T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Straight Talk Wireless Introduces Prepaid Home Internet Verizon Home Internet: Things To Know Before You Sign Up Should I Keep My Old Car or Buy a New Car? Should You Invest in a Rental Home? Here's Clark's 1% Rule Is Amazon Prime Worth It for You? Take This Quiz To Find Out! ABetterRoutePlanner.com  Clark.com resources Episode transcripts 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

The 401(k) contribution limit has been increased for 2023, but this headline buries the lead: New rules for Roth IRA income and contribution limits. And - Clark-onomics:  The U.S. deficit. Clark explains how we got here since the budget surpluses of the 90’s and what we can learn from recent events in the UK. New Roth IRA & 401(k) Limits: Segment 1 Ask Clark: Segment 2 Clarkonomics: The Deficit: Segment 3 Ask Clark: Segment 4 Mentioned on the show: IRS Announces Record 401(k) Contribution Limit Increase for 2023 How To Open a Roth IRA Best 529 College Savings Plans By State Economy, Borrowing Costs to Add Upward Pressure on Federal Deficit 4 Ways To Stop Junk Mail How Many Credit Cards Should I Have? 7 of the Best High-Yield Online Savings Accounts in 2022 Banks Are Offering 4.5% CDs—Just Not to Regular Customers Frequently Asked Questions • Max. your best interest. Clark Deals 2022 Sweepstakes Clark.com resources Episode transcripts 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

Clark discusses changes from Netflix, the overall morphing of streaming services across providers and how to protect your wallet with the changes underway. Also, time for year end tax considerations. Those with non-retirement investment accounts should know about tax loss harvesting to save on taxes. When you sell a winner, you pay capital gains tax. You can also harvest losses. Clark explains.  Netflix & Streaming Update: Segment 1 Ask Clark: Segment 2 Tax Loss Harvesting: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Netflix to Charge $6.99 a Month for New Ad-Supported Tier - The Wall Street Journal. [The Washington Post] Netflix is poised to crack down on account sharing. What happens now? You Hated Your Cable Package. Your Streaming Services Are Bringing It Back. - The WSJ Clark.com - Streaming TV The Michigan State Numismatic Society 6 of the Best Budgeting Apps in 2022 Best Way to Exit Your Timeshare: Never Buy One in the First Place How Tax-Loss Harvesting Works for Average Investors Year-End Financial Checklist: Prepare Now, and You’ll Have Time to Adjust 10 Year-End Strategies To Cut Your Tax Bill The worst insurance in the world Why You Don't Need Mortgage Life Insurance - Investopedia Why you have to check your bank statements daily The Best Places To Buy Tires Do you think Tire Tread Life Warranties are a come on & just marketing? Clark.com resources Episode transcripts 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! For the first time ever - for the entire podcast - Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Clark Stinks: Segments 1 - 4Mentioned on the show: Citi® Double Cash Card – 18 month BT offer Review: Earn Up to 2% Cash Back on All Purchases Consider US Treasury Bills, Notes and Bonds Study: Walk 3,800 to 9,800 steps daily to reduce dementia risk Zelle fraud is rising. And banks aren't coming to the rescue xeriscaping | National Geographic Society The easy way to pay off your credit card debt in a quarter of the time 6 Steps To Eliminate Credit Card Debt in 3 Years or Less How to Reduce Your Taxes and AGI by Giving to Charity NALA – The leading paralegal association National Federation of Paralegal Associations: Home Insurance | Tesla How To Open a Roth IRA  Clark.com resources Episode transcripts 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

The car market is gradually healing but we’re not there yet. Clark gives a timeline on availability, affordability, and a potential alternative to buying now if you need wheels right away. And - Back To Basics - Open Enrollment decisions are upon us.  Clark clears confusion surrounding Health Savings Accounts or HSAs which can offer long term financial security -  and the difference between an HSA and an FSA.  Vehicle Purchase Alternative: Segment 1 Ask Clark: Segment 2 HSA vs. FSA: Segment 3 Ask Clark: Segment 4 Mentioned on the show: SIXT+  Your Car Subscription Barrons.com: Car Inventories Are Growing. Don’t Expect Any Discount—Yet. Should You Buy an Extended Warranty on Your Car? HSA Contribution Limits and Other Requirements for 2022 and 2023 Clark.com: What Is an HSA Account and How Does It Work? What Is a Flexible Spending Account? Wills & Funerals Archives - Clark Howard Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Clark.com resources Episode transcripts 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

Current customer outrage at Dunkin’ for devaluing rewards offers a lesson about these programs in general, including travel points from hotels and airlines. Clark discusses how this game is played and what participating consumers should understand about so called loyalty programs. Also, Clark has been talking about affordable hearing aids being just around the corner for 5 years. FINALLY they’re here - hearing aids at world prices vs cartel prices! Learn how the market now works and what’s available Loyalty Rewards Devalued: Segment 1 Ask Clark: Segment 2 Now In Range-Affordable Hearing Aids: Segment 3 Ask Clark: Segment 4 Mentioned on the show: You’re Going to Have to Work Harder for Your Airline Status - The Wall Street Journal. Best Travel Credit Cards: Top Rewards Picks for 2022 Chase Sapphire Reserve® Review: Is It Worth the Hefty Annual Fee? Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card: Which Travel Card Is Best For You? Will Hawaii No Longer Accept Out-of-State Driver’s Licenses? | Snopes.com Automatic Bill Pay: How It Works and How To Do It Safely The Washington Post: How to buy a hearing aid online or in a store Clark.com Hearing Aids Aspiration Spend & Save: Do Good While Maximizing Your Savings Interest Rate What Is Disability Insurance and How Does It Work? Clark.com resources Episode transcripts 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

Hear Clark’s unique perspective on the proposed Kroger-Albertsons merger, as he takes a wider view of the marketplace and your money saving strategies and options. Also, because of Russia's invasion of Ukraine, the cost of heating will go up about 25% this winter depending on temperature severity. Clark offers specific advice, particularly if you live in the Mid-Atlantic or New England.  Supermarket Strategy: Segment 1 Ask Clark: Segment 2 Winter Heating: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Kroger to Buy Albertsons in $24.6 Billion Deal That Would Create New Grocery Giant Should You Invest in a Rental Home? Here's Clark's 1% Rule Best 529 College Savings Plans By State How To Open a Roth IRA WSJ.com: Higher Heating Bills Poised to Hit U.S. Households This Winter 7 Easy Ways To Lower Your Heating Bill 10 Ways To Keep Warm Without Spending Any Money 3 Things To Consider Before You Get Solar Panels  Clark.com resources Episode transcripts 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

First an update on the recommendation to buy short term treasuries, including an easy button idea for doing so. And, Clark welcomes special guest, Professor James Choi from Yale University - the behavioral economist behind some striking research around when you should start saving money. He and Clark share ideas on conventional financial advice vs what people actually do - and the gray areas in between.  U.S. Treasuries- Update: Segment 1 Ask Clark: Segment 2 Professor Choi- Behavioral Economist: Segments 3 & 4 Mentioned on the show: Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account If you’re with a discount broker, you can buy their own US Treasury Money Market Fund Google Voice for Business How To Dispute an Error on Your Credit Report and Win Free Flood Check® & How To Avoid Flooded Cars Watch Out for Flood-Damaged Cars from Hurricane Ian What Is an HSA Account and How Does It Work? An economist studied popular finance tips. Some might be leading you astray  Clark.com resources Episode transcripts 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 - CLARKONOMICS: The 60/40 Rule. The general rule of having 60% of an investment portfolio in stocks and 40% in bonds has proven ineffective twice in history - during the 1920’s - and 100 years later - now. Clark explains why and offers best practices for investors.  Clark Stinks: Segments 1 & 2 CLARKONOMICS: The 60/40 Rule: Segment 3 Ask Clark: Segment 4  Mentioned on the show: 20 Ways To Save on Amazon Is Costco Worth It? 8 Items That Could Pay for Your Membership The Markets Face a Rare Double Decline 8 Facts You Must Know About Bear Markets 22 Ways To Save Money on Groceries 8 Things To Know Before Your First Trip to Aldi National Credit Union Administration Clark.com resources Episode transcripts 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

Open enrollment for health insurance is upon us. Clark clarifies options available, including Health Savings Accounts - to help you make important health coverage decisions. Also, battered by disruption, the car market continues to struggle. Clark discusses where the industry is right now and moving forward, including when you should buy (not now) and what to do if you MUST buy now. Open Enrollment: Segment 1 Ask Clark: Segment 2 Vehicle Market Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Is that health insurance, a health product, or a scam? WSJ - Tax Secrets of Health Savings Accounts What Is an HSA Account and How Does It Work? Is getting life insurance through your employer good enough? Life Insurance Archives - Clark Howard How To Buy Term Life Insurance in 7 Easy Steps What Is Disability Insurance and How Does It Work? Medi-Share & other health care sharing ministries: What you need to know before signing up Used cars have become unaffordable Clark Howard's Simple Rule for Refinancing an Auto Loan Are You Following Clark's Maximum Auto Loan Length Rule? Subrogation Definition - Investopedia Clark's take: Why everyone should have a dash cam Clark.com resources Episode transcripts 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