It’s always been important to monitor your credit reports, and now - more so. The number of inaccuracy complaints is up dramatically, and such mistakes can impede your ability to buy a home, get a car, or even land a job. Clark shares the latest research on how the bureaus are responding (or not) and offers direction for dealing with credit report errors. Also - Pressures in the chip industry have led to shortages and higher costs for smart phones . Should you upgrade now or wait? Credit Bureau ...
Mar 30, 2026•29 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today - the American 401(k) is a tale of two economies . While the average balance grew by a staggering amount in 2025, more workers than ever are "raiding" their accounts to cover short-term needs. Our “Man From Roth” explains the best approach for maximizing your retirement investments, while minimizing future taxation. Clark Stinks : Segments 1 & 2 401(k) Guidance: Segment...
Mar 27, 2026•33 min
Think your home is private? Think again. Clark discusses the rise of insurance companies using drones, satellite data & AI to inspect property – and make replacement demands based on what could be bad data. Also today - Retailers are responding to today’s marketplace with different prices for different customers. Companies of all types are targeting two extremes: the big spenders and the budget-conscious. Clark explains how to navigate these "price buckets" to make sure you aren't overpaying...
Mar 25, 2026•31 min
Clark + Wes: Investing During Global Conflict & Sneaky Risks of Private Credit Is the conflict in the Middle East about to tank your investments? Money experts Clark Howard and Wes Moss sit down for a special "Ask an Advisor" segment to discuss oil prices, the economy, travel price predictions, and most importantly, what to do when the state of the world is making you nervous about your investments. In the second half, Clark and Wes explain the difference between private equity & private...
Mar 24, 2026•38 min
There are ways to combat the runup in gas prices right now. Clark shares a smart strategy to help stretch your gas money, and explains why used EVs are a bargain for the right driver. Also, are you tired of being ripped off by printer ink ? Clark breaks down the "cheap printer, expensive ink" trap and reveals smarter ways to save. SPEND LESS On Gasoline: Segment 1 Ask Clark: Segment 2 Avoid Printer Ink Rip-Offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's 'Half-Tank' Str...
Mar 23, 2026•31 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today - Is booking travel a smart idea right now? Airfares are surging with the price of jet fuel since hostilities began. Clark shares smart strategies to help you book for less. Clark Stinks : Segments 1 & 2 Flight Booking Strategy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Find Tuition-Free Colleges: Schools That Offer Free Tuition Capital One Venture X ...
Mar 20, 2026•37 min
Today - Clark takes aim at the "monster mega banks" and explains why they are often the worst place for your investment dollars. Major banks are rebranding branches to capture more consumer assets, yet these institutions often lack a fiduciary duty to their clients. You’ve got lower-cost alternatives to help you get ahead. Also, Clark shares an important message for grandparents or anyone who loves and cares about a grandparent - a heartfelt reminder to protect those who have spent a lifetime bu...
Mar 18, 2026•25 min
How Oil Price Shocks Impact the Market & AI Isn’t Killing Jobs—It’s Burning Us Out As we face one of the largest oil supply disruptions in history, Wes Moss explores how geopolitical shocks in the Middle East impact your wallet and the stock market, while reinforcing why long-term longevity beats market timing every time. Also, a new crisis is emerging in the workplace – AI-driven burnout. Contrary to fears of job loss, recent data across 443 million work hours suggests that AI tools are act...
Mar 17, 2026•45 min
Finally profitable again, the auto insurance industry has developed a renewed sense of competition for customers. Clark shares guidelines for finding companies big on customer service and value. Also, Americans are saving big bucks through “ no spending ” trends, and switching retailers. Thrift-centered businesses like Goodwill and Dollar Tree are thriving across all demographics. Clark admits he was wrong about Dollar Tree’s decision to move past its signature $1 price point, explaining how the...
Mar 16, 2026•30 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today - as college costs level off due to a competitive marketplace, more institutions are finding creative ways to attract students – including offering tuition-free degrees. Clark shares resources to help you find these opportunities! Clark Stinks : Segments 1 & 2 Free Tuition: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Common Scams on Cash App, Venmo and Zelle...
Mar 13, 2026•32 min
Today - The growing " unretirement " trend reveals that nearly half of retirees who return to the workforce do so out of financial necessity rather than choice. Clark shares several considerations and strategies for retirement planning. Later - you may have seen ads for online memberships for medical tests that will give you insights into your health. But will your information be protected? How important is medical privacy to your financial life? Because federal and state laws are often silent o...
Mar 11, 2026•27 min
Should You Dump U.S. Stocks for International? & Top Retirement Number To Watch in 2026 With international stocks outperforming the S&P 500 recently, many investors are asking the same question: Is it time to pivot overseas? Before you overhaul your portfolio, learn why you might already have more international exposure than you think. Also, Wes revisits the most important metric for your financial peace of mind in 2026: The Rich Ratio. Retirement isn't about the total size of your nest ...
Mar 10, 2026•37 min
In today’s episode - We all have to buy groceries. So how do you find big savings? Clark has hard data on where the cheapest supermarket prices can be found. Also - Rising baggage fees are changing the math on airline cards . Clark shares an update and new recommendations for travel credit cards. SAVE MORE On Groceries: Segment 1 Ask Clark: Segment 2 Update: Airline Credit Cards: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Grocery Stores Cheaper Than Walmart Consumer Reports - Most...
Mar 09, 2026•35 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today - if you have been considering doing a renovation or adding an ADU to your home - is now the right time? There’s been a general shift in the market. Clark Stinks : Segments 1 & 2 Home Improvement: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Solo 401(k) and How Does It Work? - Clark Howard What Is an HSA Account and How Does It Work? - Clark Howard HS...
Mar 06, 2026•32 min
Today, Clark explains the confusion around how various interest rates are set, from savings & CDs, to credit cards and car loans. He explores the "K-shaped" economy, where a flood of cash into savings and CDs drives down returns – even at online banks, and how the "convenience trap" can cost consumers thousands on all kinds of loans. Also, good news at the grocery store: the "store brand revolution" is working. After years of price hikes, name brand giants are finally slashing prices on snac...
Mar 04, 2026•32 min
Lump Sum Investing vs. Dollar-Cost Averaging & Is It Ever Too Late To Save for Retirement? Wes Moss tackles one of the most paralyzing questions in finance: should you "cannonball" into the market or wade in slowly? While historical data shows that one method wins about two-thirds of the time, Wes explains why participation will always trump perfection. Also, a sobering new study claims the average American has less than $1,000 saved for retirement. However, when you look past the headlines ...
Mar 03, 2026•36 min
Today - Nearly every purchase we make offers the “opportunity” to pay over time. Why Clark seriously despises Pay-In-4. Also, Clark addresses the worsening doctor shortage and a related profession that can help fill the gap. The Pay-In-4 Trap: Segment 1 Ask Clark: Segment 2 Ask Your Pharmacist: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Buy Now, Pay Later: A Helpful Tool or a Debt Trap? How Lemon Laws Safeguard Consumers from Defective Goods What Is a C.L.U.E Report and Its Impact on ...
Mar 02, 2026•30 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today - In newer limited service hotels , rooms have gotten much smaller - at the expense of privacy. Clark explains the trend and the criteria he checks before booking. Clark Stinks : Segments 1 & 2 Micro Hotel Rooms & Privacy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Charles Schwab Review: Pros & Cons - Clark Howard Fidelity Rewards Visa vs. Schwab Inve...
Feb 27, 2026•36 min
The frenzy surrounding gold and silver has dominated recent financial headlines. Clark explains the role of these commodities as hedges vs. investments and discusses how much (or little) you should own, and the best way to buy & sell. Also today - do big price tags equal great quality when it comes to appliances? Clark breaks down why "designer" features often mean more points of failure and why the most effective tools are simply made to last, and do one job well. Buying/Selling Gold: Segme...
Feb 25, 2026•36 min
Steak Night Sticker Shock & Is a Market Correction Coming? Beef and steak prices are soaring. But beyond the grocery store and date night, it’s costing you more than you think, as Wes Moss explains. Also, Wes also address the psychological "twinge" investors feel when the stock market hits new all-time highs. What should investors do in 2026? While it’s tempting to think an all-time high is a signal to get out, history suggests the opposite. Plus, Christa shares your #AskWes questions and We...
Feb 24, 2026•36 min
How you invest savings can make a big difference in how much you have later in life. Clark explains ETFs (Exchange-Traded Funds) vs. mutual funds - and the superior choice for your non-retirement accounts. Also, we love our pets and pet wellness plans may sound like a solid option for affordable vet care – but there’s a major catch. ETFs vs Mutual Funds: Segment 1 Ask Clark: Segment 2 Pet Wellness Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ETFs vs Mutual Funds: What’s the Diffe...
Feb 23, 2026•30 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today - with the recent Bitcoin slide costing people millions, and concerns of a possible “crypto winter”, Clark shares his perspective on Crypto and guidance for those interested in this still speculative endeavor. Clark Stinks : Segments 1 & 2 Clark On Crypto: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Trump Accounts: What You Need To Know - Clark Howard Best 529...
Feb 20, 2026•40 min
FEBRUARY 18 Relocating Overseas / Debt Trap Exit Strategies Some of you listening right now may be living abroad, temporarily or indefinitely. There is an increasing desire to experience life overseas , and some countries are paving the way. Clark discusses relocation incentive programs and other considerations vital to the life changing decision to move abroad. Also - if you have credit card debt, Clark has some strategies to pay it off sooner and keep yourself as debt free as possible moving f...
Feb 18, 2026•30 min
Should You Use Your “Sacred” Retirement Fund To Save Your Business? & 2026 Jobs Outlook As rapid technological shifts ripple through every industry, many entrepreneurs are finding themselves in a temporary cash flow crunch. While retirement accounts are often viewed as a "sacred chest" that shouldn't be touched, Wes Moss explores how to strategically leverage your brokerage and Roth IRA accounts to bridge the gap. Also, Wes dives deep into the latest data from the U.S. labor market to see wh...
Feb 17, 2026•36 min
You may be examining your spending habits this year, looking to set goals to improve your financial health. Clark discusses how your money mindset will affect your future in a big way. Are you spending your way into debt misery , or saving your way to frugality regret? Clark invokes finding a healthy balance between discipline and enjoyment. Also - A great way for the self-employed to save tax free for the future. A powerful wealth-building tool is finally getting the attention it deserves: the ...
Feb 16, 2026•28 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today - Amid the steady parade of layoff announcements Clark offers some perspective on today’s job market, a prediction for the spring hiring season, and strategy for moving forward. Clark Stinks : Segments 1 & 2 Job Market Prediction: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When Is the Best Time To Collect Social Security? - Clark Howard Why Clark Howard Says ...
Feb 13, 2026•37 min
It’s tax season - and many Americans are going to receive higher than expected refunds . Guess what Clark wants you to do with extra money? And what about your withholding for this year? Also today, more clarity on Trump accounts . While the federal government is seeding these accounts with $1,000 for newborns, proceed with caution. Clark tells you how these work, who benefits, and who does not. Tax Refunds & Withholding: Segment 1 Ask Clark: Segment 2 Trump Accounts: Segment 3 Ask Clark: Se...
Feb 11, 2026•32 min
Why Everything Still Feels Expensive & Growth vs. Value Stocks: Which Is Best? Is inflation going away? The reality is that while the rate of change might slow down to 2% or 3%, the cumulative "stacking" of past inflation remains, leaving consumers anchored to old prices while fighting for higher wages. Wes Moss explores why we can’t afford to get complacent and how this cycle is exactly why we invest in the first place. Also, Wes peels back the layers of the market to examine the two main "...
Feb 10, 2026•40 min
Significant numbers of both chain and independent restaurant closures are happening around the country now, and with that - Clark has a dinner bell warning for you. Also - As fierce winter storms ravage regions of the country with lengthy power outages, new tech is ushering in the rise of affordable home battery backups. Got Restaurant Gift Cards?: Segment 1 Ask Clark: Segment 2 Home Battery Backup Power: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Need To Use Your Gift Cards...
Feb 09, 2026•35 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks . Also today, Clark shares housing market predictions through the rest of 2026 and why he considers this a “transition year” in housing. Clark Stinks : Segments 1 & 2 Housing Market Update : Segment 3 Ask Clark: Segment 4 Mentioned on the show: 9 Free Federal and State Tax Filing Services for 2026 - Clark Howard Free File Fillable Forms | Internal Revenue Service Is Annual Travel In...
Feb 06, 2026•38 min
