The Clark Howard Podcast

The podcast dives into strategies for tackling post-holiday credit card debt, with an emphasis on focusing payments on high-interest balances. Listeners learn about the IRS's expanding Direct File program, making tax preparation simpler and more accessible. Concerns around tax refund security are raised, alongside the benefits of seeking professional help versus self-filing. Real-life consumer challenges, like unexpected credit score drops and shopping experiences, are discussed to empower listeners with practical solutions.

Wes Moss, a fee-only fiduciary financial advisor, shares crucial insights on what investors should monitor in 2025. He discusses potential market volatility and the implications of tariffs on consumer behavior. Moss also highlights the importance of dividends and bonds in a balanced portfolio. Additionally, he tackles misconceptions about financial advisors, emphasizing the benefits of index funds. The discussion includes strategies for retirement savings and managing inherited wealth, providing listeners with valuable financial guidance.

January is prime time for snagging travel deals for spring and summer. Clark dives into the hidden costs lurking in travel bookings and offers tips for savvy planning. He also sheds light on the alarming Amazon brushing scam, where unsolicited packages skew reviews. Listeners learn to be wary of billing discrepancies and the importance of keeping accurate vehicle sale records. Plus, valuable insights into executive deferred compensation accounts make this an enlightening catch for travelers and financial planners alike!

It's Clark Stinks day, where listeners share feedback on previous advice! Clark dives into the confusing world of cell phone plans, offering tips to save money and find the right plan. The episode also tackles common financial misunderstandings and the impact of AI in the workplace. Plus, learn about navigating online shopping pitfalls and maximizing your homeowner’s insurance savings. Finally, discover strategies for smart real estate decisions, whether selling on your own or through an agent.

Many workers are feeling miserable, prompting discussions on the necessity of career changes. Discover free online training resources to boost your skills. Learn about the health risks of sitting too much and tips for extending your life with simple changes. The show also tackles the realities of financial app security and effective charity donations. Finally, dive into the world of credit cards, exploring their benefits and pitfalls while emphasizing the importance of responsible usage.

Wes Moss, a fee-only fiduciary financial advisor and expert in investing and retirement planning, shares his insights on achieving financial freedom. He highlights the shift from pension reliance to individual responsibility, emphasizing five key strategies for successful investing. Topics include the importance of long-term planning, portfolio diversification, and the potential benefits of Roth IRAs. Wes also answers listener questions about retirement strategies in Alaska and managing investments amidst financial uncertainties.

Discover the hidden traps of timeshares and vacation clubs, designed to keep you in debt. Learn how to teach children the value of money through allowances tied to chores, emphasizing smart spending and saving. The discussion also touches on navigating financial literacy in today’s digital age, offering tips on managing accounts and maximizing credit card rewards. Explore the importance of early financial education to prepare kids for responsible money management in a complex world.

Kick off the new year with clever money-saving tips that last all year! Discover how to navigate gift returns and what to keep in mind while streaming. Explore the growing costs of various streaming services and the rise of free options. Get savvy with car shopping strategies in a changing market and uncover essential travel insurance tips. Plus, understand the differences between financial advisors to make informed choices. January deals at warehouse clubs could help you save big!

Discover how to negotiate prices on everyday purchases, from cars to appliances, and challenge the myth that only high-end models are worth it. Dive into the unregulated world of dietary supplements and learn why it's crucial to be cautious with claims made by influencers. Get tips on managing disputes over charges and protecting yourself from scams while using money transfer services like Zelle. With practical advice on financial decisions and appliance care, equip yourself with knowledge for a smarter consumer experience.

Discover the concept of a 'magic number' for retirement—how much you really need to be financially secure. Dive into risky investment pitches, from hedge funds to private equity, and learn why it's crucial to avoid non-fiduciary advice. Hear about a listener's success with a 529 college savings plan, leading to substantial educational funds. Plus, get tips on building credit for young adults and safe solo travel destinations for women. Stay informed to navigate your financial future wisely!