Today, Clark updates holiday airfare booking strategy - and discusses high fee travel credit cards. How do you know when they’re worth it? Also - Medicare Open Enrollment time brings a Clark warning about “disadvantage” plans and why you need to study your options this year. Holiday Flights & Travel Cards: Segment 1 Ask Clark: Segment 2 Medicare Open Enrollment: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When To Book Your 2025 Holiday Flights Best Travel Credit Cards: Top Rewards ...
Oct 15, 2025•30 min
Bull Market Turns 3: Can It Keep Going? and the Truth About Feeling Financially “Set” We’ve hit the three-year mark of this bull market — stocks are up, dividends are strong, and history tells us there could still be room to run. But what happens next? Wes Moss breaks down the data and explains what history says about how long bull markets typically last — and why patience and balance matter most right now. Also, Wes explores what it really means to be financially “set” — and why that doesn’t al...
Oct 14, 2025•44 min
In today’s episode - do you consider steaming TV as a monthly essential? You won’t believe how many of us do. So how do you spend less to watch your favorite shows? And later - does certified pre-owned actually mean anything when you’re considering a used vehicle purchase? Clark explains how the CPO program began, and how it’s become very problematic . Your Streaming Costs: Segment 1 Ask Clark: Segment 2 CPO Vehicles: Segment 3 Ask Clark: Segment 4 Mentioned on the show: STREAMING TV - Clark.com...
Oct 13, 2025•34 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also in this episode - Football season means Clark is back to watching TV, and he’s got clarification on some offers in ads you’re likely seeing too. Clark Stinks: Segments 1 & 2 “FREE” Phones? Not Really: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Things To Know Before You Buy a TV Antenna How To Watch Local Channels Without Cable Report: The Most Affordable Places T...
Oct 10, 2025•32 min
There’s a clear trend in how people are shopping today. Consumers of all income levels are seeking out bargains , changing where and how they buy everyday goods - a Clark smart reaction to inflation & tariff effects. Also today - You may need a cure for what ails you, but don’t trust medical ads you see online. Scammers are using AI and other manipulative tools to pitch FAKE healthcare products that appear to be endorsed by medical professionals. Financial and physical harm can result. Mindf...
Oct 08, 2025•26 min
Is Inflation Good or Bad for the Market? and the $5 Million Dollar American Dream The market loves a "Goldilocks" environment, but what is the magic number for inflation that delivers the highest stock returns? Wes dives into the data to show how inflation rates directly impact your portfolio. Also, Investopedia put a price tag on the American Dream, but Wes has a reality check. Find out what you need to earn over your working career to afford a home, raise kids, pay for college, and reach the "...
Oct 07, 2025•43 min
In today’s show - a recent Tik Tok video claimed to show young people how to set themselves up to have $4 million at retirement - with some help from their parents in early adulthood. But how can you actually tell how much you’re going to have in retirement? We have a new tool that can help. Also today - There ARE answers to the housing shortage. The technology is there. Clark has always been interested in innovative ways to modernize the way we build housing in the U.S. and shares some promisin...
Oct 06, 2025•36 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today, Clark goes pass wild with Frontier - and shares an important warning for air travelers who do something Clark will not do - check a bag. Clark Stinks: Segments 1 & 2 The Bag Tag Scam: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is Umbrella Insurance and Do You Need It? 3 Reasons You Should Never Book a Nonrefundable Hotel Room Travel Insurance Checklist...
Oct 03, 2025•34 min
Today, we reprise Clark’s interview with beloved colleague Jonathan Clements from October 8, 2024. He had, and still has much to teach us all. An Honest Conversation About Death and Finance With Jonathan Clements Special Edition - Clark welcomes longtime friend and colleague, Jonathan Clements. A London born Cambridge University graduate, financial writer Jonathan Clements is the founder and editor of HumbleDollar.com and author of "From Here to Financial Happiness," "How to Think About Money" a...
Oct 02, 2025•37 min
In this episode, football is in full swing, and so is something very troubling. People are losing enormous amounts of money on electronic gambling . Clark discusses how the nature of modern gambling can increase the risk of gambling addiction, and steps to take if this is a concern. Also - How accurate are credit reports by the 3 credit bureaus? What you don’t know about your credit report can hurt you. A Clark assignment. Sports Gambling: Segment 1 Ask Clark: Segment 2 Credit Report Accuracy: S...
Oct 01, 2025•31 min
The Crucial Financial Conversation Everyone Needs To Have NOW and Brand New Money Rule When was the last time you talked to a family member or loved one about your finances? Wes shares an important financial conversation warning that stems from a tragic and immediate crisis. Wes explains how a simple, 30-minute conversation could have prevented weeks of crippling anxiety – and what you need to do ASAP to prepare yourself and your family. Also, there’s a brand new money rule of thumb: The 0.01% R...
Sep 30, 2025•38 min
It’s almost time to choose health insurance for 2026 and there are some significant changes coming with medical care. Clark has important info you need to know ahead of making your elections for open enrollment. Also, interest rates are up in the air right now. Is now a good time to open a CD and/or CD ladder with predicted interest rate cuts? Clark offers a defensive strategy for the money you save. Attention: Open Enrollment Changes: Segment 1 Ask Clark: Segment 2 CD Laddering : Segment 3 Ask ...
Sep 29, 2025•31 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today, has Prime membership reached its peak? Clark discusses Amazon Prime , including why & how they’re ending a family sharing program . Clark Stinks: Segments 1 & 2 Amazon Prime Change: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Much It Will Cost To Watch Every NFL Game in 2025 4 Things To Know Before You Buy a TV Antenna What Is a 403(b) and How Does It...
Sep 26, 2025•33 min
How much do you really need to retire? That is the golden question, and of course the true answer is “it depends.” If you’re worried you haven’t saved enough, new data shows the state you reside in can be a big factor in determining your goal. Also today - We’ve seen so much inflation in the restaurant industry, but now there’s good news for consumers. Fast food restaurants are in a heated battle to offer more deals , and Clark tells you the best way to pay less. State Of Retirement: Segment 1 A...
Sep 24, 2025•33 min
What a Fed Rate Cut Means for Your Money and #1 Financial Fear (and How To Beat It) The Fed just cut rates. What does this mean for your money? Wes breaks down what the latest Fed rate cut means for your personal finances. He discusses how a drop in rates impacts everything from mortgage rates and the housing market to your investment portfolio. Plus, Wes shares his insights on the biggest financial fear for many Americans and offers a simple solution to gain clarity and peace of mind. Mentioned...
Sep 23, 2025•37 min
Today Clark talks about the new Robinhood experience. A pioneer of free stock trading, Robinhood is looking to build real relationships with investors. Clark discusses how Robinhood Gold works, with incentives aligned to savings. Later in this episode - when was the last time you went to a movie theater? The world’s largest movie chain is doing membership off-peak pricing on certain weekdays. Just be aware of the price perils within the theater! Robinhood Investing: Segment 1 Ask Clark: Segment ...
Sep 22, 2025•31 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Something else that stinks? Finding rats in a hotel room! Clark explains why the name on the building is no longer a guarantee when it comes to hotel chains - and how you should approach booking. Clark Stinks: Segments 1 & 2 Devalued Hotel Brands: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an Annuity, and Why Does Clark Think They Stink? How Two Clark-Approved A...
Sep 19, 2025•41 min
A stressful, burdensome price pressure squeeze play - this describes housing costs today. So potential homebuyers have much to consider. Clark talks through how to think realistically about the real cost of home ownership. Also today, the first way to stretch a dollar is to shop second hand. A simple reminder to explore a wider area of where to buy used near you! True Cost Of Home Ownership: Segment 1 Ask Clark: Segment 2 Thrifting Is Brilliant: Segment 3 Ask Clark: Segment 4 Mentioned on the sh...
Sep 17, 2025•30 min
5 Pillars of Investing (Good Times and Bad) and How To Pay 0% on Capital Gains Investing in today's world can feel complicated, but it doesn't have to be. Fiduciary financial advisor Wes Moss breaks down the "5 Pillars of Investing" for both good times and bad. Also, he shares a powerful strategy to potentially pay 0% on your long-term capital gains, based on new tax law changes. Mentioned on the show: The 4% rule is now the 4.7% rule. Here's why that matters. There’s a ‘golden opportunity’ to p...
Sep 16, 2025•37 min
In today’s show, crooks are finding new, sophisticated ways to get into your accounts. There are risks with voice ID, 2 factor authentication, spoofing, pretexting and more. Clark shares ways to protect yourself. Also, how do you “futureproof” your career with so many changes coming from AI , robotics and more? Clark discusses the value of looking ahead, enhancing your skillset, and asking “what’s next” jobwise. Guard Your Accounts: Segment 1 Ask Clark: Segment 2 Futureproof employment: Segment ...
Sep 15, 2025•32 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today, Empowerment in Action: Our team has developed a new tool to help you make one of life’s largest purchase decisions - exclusively at Clark.com Clark Stinks : Segments 1 & 2 Car Cost Calculator: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Can I Safely Use for Peer-to-Peer Payments? Why You Need To Lock Your Phone Number Today Best 529 College Savings Plans...
Sep 12, 2025•27 min
In this episode - a Federal sweep has revealed how transactional crime rings have engineered a common scam that is emptying accounts. Clark shares the warning and tells you how to avoid having your credit or debit card information stolen. Also, electricity rates are skyrocketing , but we are not sitting ducks. A breakthrough in self-install solar is becoming more mainstream. Avoid Skimmer Scams: Segment 1 Ask Clark: Segment 2 Self-Install “Balcony” Solar: Segment 3 Ask Clark: Segment 4 Mentioned...
Sep 10, 2025•36 min
What Really Drives the Stock Market and Why Even Perfect Estate Plans Fail Have you ever wondered why the stock market seems to be doing great while the economy feels just... okay? In this episode, fiduciary financial advisor Wes Moss explains why the stock market often tunes out economic "noise" like geopolitical events and rising unemployment. He reveals the number one thing that drives stock performance -- and it's not what you think. Also, you've done all the right things: created a will, se...
Sep 09, 2025•40 min
New data shows the value of automatic savings into retirement plans - and the consequence of not having a plan. So if you don’t have access through work, start one yourself. Your map to retirement - Clark says let’s get on it! Your future self will surely thank you. Plus, a simple audit of your checking and credit card accounts is in order. Clark has something specific for you to look out for. Retirement-Automatic Is KEY: Segment 1 Ask Clark: Segment 2 Subscription Fees: Segment 3 Ask Clark: Seg...
Sep 08, 2025•28 min
Today Clark addresses meme stocks and crypto schemes appearing on social media. An old scam in a new era is ripping people off big time, with the lure of finding a shortcut to wealth. Also - Booking travel at a time of instability in the industry means you could get ripped off. Clark tells you how it goes down, and has expert advice to help protect your money when booking. The Pump & Dump Con: Segment 1 Ask Clark: Segment 2 Safe Travel Booking: Segment 3 Ask Clark: Segment 4 Mentioned on the...
Sep 05, 2025•33 min
Today - How Clark saved money solving his streaming dilemma just in time for football season. Also, paying for skilled nursing, assisted living, memory care and long-term care facilities only gets more costly & complicated. Clark has a warning for those trying to navigate the system. Streaming Update: Segment 1 Ask Clark: Segment 2 Senior Facility Payment Warning : Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard Is Making These Changes to His Streaming TV Strategy Streamin...
Sep 03, 2025•34 min
The Power of Dividend Growth Explained and Is the Midwest the Next Silicon Valley? Should we fall in love with dividends? Fiduciary financial advisor Wes Moss tackles the classic debate of stocks versus bonds with a deep dive into the power of dividends. Using data going back 45 years to 1980, Wes reveals how an investment in the S&P 500 would have dramatically outperformed bonds, with dividends growing by an incredible percentage. Also, Wes shares a fascinating look at the future of America...
Sep 02, 2025•44 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today, the high cost of REAL health insurance is driving a surge in low cost health “coverage” being pitched to both individuals and small businesses - plans that are either bad, or worse, total scams . Clark Stinks : Segments 1 & 2 Bogus Healthcare Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an HSA Account and How Does It Work? Where Should I Set Up ...
Aug 29, 2025•36 min
Clark discusses why having a portion of your retirement funds in overseas investments is highly recommended. Also - Why Clark’s recent advice on shopping airfares just changed. Investing Worldwide: Segment 1 Ask Clark: Segment 2 Airfare Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Investing Abroad Could Pay Off Best Online Banks: Free Checking and High-Interest Savings Accounts - Clark.com How to Buy a New Car in 5 Steps Booking Domestic Flights One-Way? It's Costing You Mor...
Aug 27, 2025•25 min
A retired couple’s home renovation plans nearly triggered a massive, hidden cost that no one wants to pay: the Income-Related Monthly Adjustment Amount (IRMA). Fiduciary financial advisor Wes Moss breaks down how a simple plan to pay for a renovation could have led to thousands of dollars in extra Medicare premiums and what you can do to avoid a similar fate. Also, Wes dives into the world of AI and financial planning. He explains why AI is a powerful tool for analysis, but warns against using i...
Aug 26, 2025•38 min
