Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, rec ...
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12.30.24 BEST OF: The Magic Number For Retirement / Investing: A Cautionary Tale
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Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. How do we determine our “magic number” - the amount we need to retire? Clark weighs in on the debate about how much it takes to be financially secure, and how to start and keep making progress. Also today -private placements, hedge funds, limited partnerships, private equ…
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12.27.24 BEST OF: Clark Answers His Critics on Clark Stinks / Paying For Adult Children
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Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, we’ve talked about the cost of college, and how it can hamper parents saving for their own retirement. But what about supporting adult children post-colle…
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12.26.24 BEST OF: Relocation: Rent Before You Buy / SAVE MORE On Clothing
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Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. Clark recommends renting in a new city or state before you buy there, and has a great example of why to share with you. Also, Clark is very happy to report that the used clothing market is growing 7 times faster in the U.S. than the new market. Buying used is a great way …
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12.24.24 BEST OF: Retail Membership Considerations / Timeshare Scams Get Worse
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Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. The membership subscription business model has overtaken retailers large and small. Clark compares offerings from Target, Walmart, Amazon and 2 warehouse clubs, with a directive for consumers. Also, as if timeshares aren’t bad enough, organized crime is now getting into t…
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12.23.24 2025 Home Price Projections / The Average 401(k) Balance
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Today, our last show of the year, Clark looks ahead to where home prices are likely to go in 2025. Also in this episode, Clark shares data on the average 401(k) balance. There’s room for improvement to get better prepared for retirement moving forward. 2025 Home Prices: Segment 1 Ask Clark: Segment 2 401(k) Balances: Segment 3 Ask Clark: Segment 4 …
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12.20.24 Clark Answers His Critics on Clark Stinks / A USPS Warning
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark is truly concerned about the chaotic state of the United States Postal Service right now. In many regions of the country, people are dealing with serious consequences of delayed or undelivered mail. Know what you can do …
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12.19.24 SAVE On Internet Service / American Train Travel
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One way you may be able to save money is through home Internet service. Do you really need the highest speeds? So many of us overbuy for what we actually need. Also, train travel in the U.S. has lagged behind other developed countries, but that is starting to change. More Internet Speed Than You Need: Segment 1 Ask Clark: Segment 2 American Rail: S…
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12.18.24 American Healthcare Needs A Full Rethink / New Employment Challenges
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The murder of United Healthcare CEO Brian Thompson has created a lot of argument and discussion about healthcare and health insurance. Clark addresses the problems and challenges we face with the U.S. healthcare system including lack of choice, hidden pricing, and consumers being squeezed on cost and denied care. Also - Clark discusses new statisti…
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12.17.24 Airport Car Theft / The Real Consumer Victory At Supermarkets
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Auto theft, particularly at airports - has spiked around the country. Holidays travelers are especially at risk, but there is something you can do to keep track of your vehicle. Also today, Albertsons is suing Kroger now that the merger deal has collapsed. Clark discusses how this antitrust ruling matters - or doesn’t - to us as consumers. Grand Th…
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12.16.24 SAVE MORE With DIY Repairs / Housing Market Update
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You CAN DIY - by learning to fix things, even on your own car! Believe it or not, even Clark has been able to do this! Also today, a housing market update including new vs used homes, where people are buying now and why. Online DIY Repairs: Segment 1 Ask Clark: Segment 2 Moving To Satellite Communities: Segment 3 Ask Clark: Segment 4 Mentioned on t…
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12.13.24 Clark Answers His Critics on Clark Stinks / SAVE On Healthcare
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, we spend so much on healthcare in the U.S. with less to show for it. Clark has money saving medical advice, and a recent experience to share. Clark Stinks: Segments 1 & 2 SPEND LESS On Healthcare: Segment 3 Ask Clark: Segment …
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12.12.24 Subscription Wrangling / Estate Planning in 3 Steps
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Uber’s current trouble with the FTC is a consumer lesson for us all, and a great reminder to take action now to protect your wallet. Also today, Warren Buffet recently gave some important advice about estate planning. Clark shares 3 important steps to take. Your heirs will thank you. Subscription Maintenance: Segment 1 Ask Clark: Segment 2 Estate P…
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12.11.24 Tariffs And Car Prices / Store-Branded Credit Cards
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Today, Clark discusses tariffs and the potential for rising car prices. So should you pull the trigger and buy now? Also, you may be tempted to get a store credit card while holiday shopping. Know why Clark is adamantly opposed to this form of “junk credit”. Tariffs And Car Prices: Segment 1 Ask Clark: Segment 2 Store Credit Cards: Segment 3 Ask Cl…
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12.10.24 What Is Mortgage Recasting? / Fast Food Innovations
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Today, Mortgage Recasting 101. Clark explains how this type of payment works, when it might be appropriate, and mortgage recasting vs principal prepayment. Also, many fast food restaurants are innovating through apps, AI - and a whole new era of vending machines. Mortgage Recasting: Segment 1 Ask Clark: Segment 2 Fast Food Innovations: Segment 3 As…
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12.09.24 The Property Tax Problem / The Decision to “Unretire”
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Today - with the rapid rise in home values, property taxes have gone up all over the country. North Dakota tried and failed to eliminate property taxes on election day, and other states are trying to figure out a way to give homeowners some relief. Also today - there’s a trend in the country that has both positive and negative consequences - “unret…
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12.06.24 Clark Answers His Critics on Clark Stinks / 401(k) Savings - 2025
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - some older workers have a new opportunity to sock more money away in their 401(k)s next year. Use our calculator at Clark.com to estimate how much your retirement accounts will grow over time. Clark Stinks: Segments 1 & 2 401(k) Su…
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12.05.24 Update: Series I Savings Bonds / A Warning About Fidelity
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Since the earnings rate on I Bonds changes every six months - Clark has updated advice for savers. Also - Clark’s “three favorite children” in the financial world, Vanguard, Schwab and Fidelity, aren’t perfect, and he calls them out where needed. At the moment, there’s an issue with Fidelity that investors need to know about. Series I Savings Bonds…
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12.04.24 Buying Advice: Big Screen TVs / How Companies Can Be More Profitable
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If you’re in the market for a giant screen TV this holiday season - Clark’s got news to help you Save More. Also - there is one thing that a business can do to make employees happier, and in turn give customers a better experience, and in turn - be more profitable. Big Screen TVs: Segment 1 Ask Clark: Segment 2 Employer Enlightened Self-Interest: S…
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12.03.24 Homeowners Insurance Check-Up / Safe Charitable Giving
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Over the past 15 years homeowners insurance has become increasingly unstable, expensive and anti-consumer. But with the run-up in home values, many may be seriously underinsured. Clark has direction for home owners to ensure proper coverage. Also today, the giving season requires a warning about charity scams - a real problem. Know how to make sure…
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12.02.24 SAVE On Domestic Airfare / Amazon Health Services
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Clark has new advice for booking domestic flights and the new airline rule on refunds figures into the way you should now search for fares. Also in this episode, Amazon is expanding their medical offerings. Clark has some experience using Amazon health services and shares his insights into this option. One Way Flight Search: Segment 1 Ask Clark: Se…
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11.29.24 BEST OF: Clark Answers His Critics on Clark Stinks / Clark Rule For Booking Travel
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Happy Thanksgiving Weekend! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - The travel industry can be unstable. Another cruise line recently …
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11.27.24 BEST OF: Americans Need To SAVE MORE / Physical Health - Fiscal Health
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Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! The percent of income we save, our savings rate - is the key indicator of financial health. So how are we doing right now? Also - How much exercise do you really need to make a difference in you…
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11.26.24 BEST OF: Saving For College: 529 Plan Update / Upside Down Car Loans
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Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Clark has news for parents and grandparents saving for a child’s college education. Also in this episode, reversals in the auto industry are landing many existing car loans underwater. What to d…
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11.25.24 BEST OF: The Fate Of Traditional 401(k)s & IRAs / Carry On Karma Vs Baggage Fees
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Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! There’s a lot of talk and concern about traditional 401(k)s and IRAs going away. Clark explains. Also, baggage fees are rising again, increasing the cost of flying for customers. What to know be…
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11.22.24 Clark Answers His Critics on Clark Stinks / Technology, Productivity & Jobs
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Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Later, everyone said the touchscreen ordering systems at places like McDonalds were going to cost jobs, but have they? Clark shares some interesting findings and historical perspective on how technology affects jobs. We’re off Thanksgivin…
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