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Every episode
The Clark Howard Podcast
30 episodes
08.17.26 Renters Face New Junk Fees / Tap-To-Pay Scam Warning
Aug 17, 2026 · 30 min
Finding an affordable rental was hard enough, but now landlords are taking a cue from hotels and airlines by hitting tenants with hidden junk fees. From mandatory charges for bundled trash pickup and overpriced cable to outrageous $200 monthly add-ons just for working from home, these unexpected fees inflate the cost of living. When apartment hunting, Clark urges us to check for this specific list before committing to a lease. Meanwhile, tap-to-pay remains one of the safest ways to shop using di…
08-14-26 Clark Answers His Critics on Clark Stinks / Essential Documents
Aug 14, 2026 · 33 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, to protect your young adult and give your family peace of mind, there are critical legal and financial forms every teenager should sign at age 18. Setting up these documents is simple, inexpensive, and essential for any family navigating the transition to adulthood. Taking a few minutes to put these protections in place today can save your family from unnecessa…
08.12.26 One Bad Apple Deal / CDs: Opportunity And Method
Aug 12, 2026 · 33 min
Apple device prices are soaring due to rising hardware costs, and their newest solution is to offer “forever leases” on iPhones, Macs, and iPads for a fixed monthly fee. While this subscription-style leasing model might make sense if you’re a tech enthusiast, it’s a dangerous financial trap for the average consumer. Before you fall for the low monthly sticker price—or get tied down by a carrier’s misleading "free phone" promotion—understand the long-term cost to your wallet. On the savings front…
08-11-26 Ask An Advisor With Wes Moss
Aug 11, 2026 · 36 min
Is Your Retirement Missing Purpose? & Why You Shouldn’t Be Scared To Spend Your Retirement Savings Wes starts by looking at what ancient wisdom and modern research teach us about true fulfillment. As we leave the workforce, we often lose daily structure, active socialization, and full households all at once. To counter these major life headwinds, Wes discusses how planning your lifestyle goals even ten years out leads to significantly greater joy once you stop working. Also, Wes tackles the mass…
08.10.26 Breaking Phone Addiction / Know The Affinity Fraud Trap
Aug 10, 2026 · 36 min
Are you looking to break free from the time killing, mindless scrolling of phone addiction? Clark reviews the popular Brick Phone Lock—a $60 physical device paired with an app designed to lock you out of your most distracting apps. This tool might be a game-changer if phone addiction is actively hurting your productivity, work, and/or personal relationships. Also, a massive investigative report reveals how high-profile NFL players lost millions to a sophisticated e-commerce scheme using fake Sho…
08.07.26 Clark Answers His Critics on Clark Stinks / Promises And Prenups
Aug 7, 2026 · 34 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark has always considered himself an incurable romantic, and for years, his stance on prenuptial agreements was clear: signing one felt like writing a contract for failure before the marriage even began. But looking at the reality that over half of marriages end in divorce, he realized his emotional roadblock was shortchanging the people listening to his advice. All this…
08.05.26 Starting A Small Business / Automated Check-Out Warning
Aug 5, 2026 · 28 min
More people are looking for ways to create their own job security. Clark shares two invaluable, free resources every aspiring entrepreneur should know about, and breaks down why the freedom of entrepreneurship remains one of the best ways to build lasting stability. Also, a critical look at the rise of AI-powered, cashierless grocery stores and automated micro-markets. Highlighting an outrageous story where Ford wrongly fired an employee over an automated market glitch, Clark addresses the dange…
08.04.26 Ask An Advisor With Wes Moss
Aug 4, 2026 · 36 min
5 Questions BEFORE You Claim Social Security & College vs. Retirement Savings Should you claim Social Security early or wait? While the math says waiting guarantees a bigger check, the real answer goes far beyond the numbers. In this episode, Wes Moss breaks down how to determine the right Social Security claiming age for your specific lifestyle, health, and portfolio. Also, Wes shares ideas to help you balance saving for your kid’s college without ruining your own retirement. Plus, Christa shar…
08.03.26 Air Travel Update / DIY Home Upgrades
Aug 3, 2026 · 39 min
As summer winds down, we’re seeing some wild shifts in the airline industry. Despite recent price hikes, a two-tiered economy in travel has created surprising opportunities for budget-conscious travelers. Clark breaks down why you need to sign up for frequent flyer programs right now, what you actually get (and lose) with new unbundled luxury fares, and where to find the best flight deals over the coming months. Also, your homeowners insurance company might feel like a "frenemy," but you can mak…
07.31.26 Clark Answers His Critics on Clark Stinks / Property Taxes
Jul 31, 2026 · 38 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, with real estate values skyrocketing past the rate of inflation, homeowners across the country are facing massive property tax hikes—and in some cases, people are literally being priced out of their homes. The core idea should be simple: no one should be forced out of their home due to runaway tax bills. You can appeal on your own, hire a specialized company, or bring in an…
07.29.26 Investor Alert: Correction Protection / T-Mobile T-Bones Your Wallet
Jul 29, 2026 · 33 min
The stock market is sitting at historical highs, but inflated valuations mean we could be facing a major correction or extended period of low returns. With leveraged funds adding dangerous fuel to this speculative fire, the risk of a sharp market shock is real. If you’re approaching or currently in retirement, now is the time to review your portfolio. On the consumer front, T-Mobile is turning its back on the customer-first culture that made it famous, forcing legacy subscribers off locked-in ra…
07.28.26 Ask An Advisor With Wes Moss
Jul 28, 2026 · 30 min
What Are The Money Green Zones? & The Happy Retiree Super Power Are you flying blind when it comes to your retirement savings? Forget the terrifying headlines telling you that you need tens of millions of dollars to retire—that kind of advice often does more damage than good by making your goals feel completely out of reach. In this episode, Wes Moss breaks down brand-new research on what everyday Americans actually have saved and introduces three attainable, concrete "Money Green Zones" where h…
07.27.26 Elder-Parent Care / HOA & Condo Fees
Jul 27, 2026 · 35 min
It’s the toughest role reversal we face in life: stepping in to manage aging parents' finances. As parents get older, it’s common for physical health to take priority while finances take a back seat. Clark breaks down the vital lessons on elder-parent care. Waiting until a crisis or a parent's passing to look for wills, passwords, and bank accounts guarantees chaos later. Also, Clark tackles a growing budget buster for some homeowners: surging HOA and condo fees. What used to be a minor mo…
07.24.26 Clark Answers His Critics on Clark Stinks / AI Shopping Bots
Jul 24, 2026 · 39 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, many of us are getting more comfortable using artificial intelligence in our daily lives. While AI can be an incredibly useful tool, a dangerous new trend is emerging that could cost you serious money: AI shopping bots. Before you let an AI bot handle your wallet, you need to understand the hidden agenda at play. All this and more on the July 24, 2026, episode of The…
07.22.26 Electronics: Repair Or Replace? / Buying Insurance
Jul 22, 2026 · 33 min
The days of automatically upgrading your phone or computer every time it slows down are officially over. Clark breaks down why inflation and rising component costs mean tech prices are going "up, up, and away." Tech giants like Apple are raising device prices to protect their profit margins. While Clark has advised against sinking money into old electronics, the math has changed. Clark shares his rule of thumb for deciding when to repair versus replace, why TVs remain the one truly disposable te…
07.21.26 Ask An Advisor With Wes Moss
Jul 21, 2026 · 33 min
What Is the Retire Sooner Method? & Can You Retire Without Touching the Principal? How do you retire sooner, increase your happiness, and ensure you never run out of money? In this episode, Wes Moss breaks down the Retire Sooner Method—your ultimate retirement happiness GPS. Just like navigating an unfamiliar city, navigating retirement without a map guarantees you’ll get lost. Wes shares the 5 essential steps to build a guided blueprint, maximize your financial freedom, and dramatically reduce…
07-20-2026 WFH Is Reshaping Employment / Health Insurance Costs
Jul 20, 2026 · 36 min
Today - remote work became essential during COVID, but could it be hurting your career now? While the benefits of working remotely are undeniable, new data shows that "out of sight, out of mind" is a dangerous reality in corporate America. Clark shares several things to consider if you want to protect your paycheck and position yourself for promotions. Also, a massive storm is brewing in the healthcare industry, and it is going to hit your wallet hard. The soaring cost of healthcare—driven heavi…
07.17.26 Clark Answers His Critics on Clark Stinks / Your Car’s Longevity
Jul 17, 2026 · 36 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, the new car market is in a weird phase, with automakers behaving like pack animals. Instead of fighting for market share or offering affordable options, manufacturers have decided they are perfectly happy selling fewer vehicles if it means keeping prices sky-high and maximizing margins. If you're wondering whether to buy or hold, Clark shares his rule of thumb. All th…
07.15.26 Clark Discredits a Long-Held Credit Card Myth / SCAM WARNINGS
Jul 15, 2026 · 34 min
The big banks are absolutely thrilled when you fall for the "cockroach" of personal finance myths: the completely false idea that you need to carry a balance and pay interest on your credit cards to build an excellent credit score. Not so. Clark explains. Also today, we face an unprecedented wave of sophisticated fraud, with online crime complaints officially surpassing one million for the first time. Driven by advanced AI, scammers are now launching highly realistic "spear-phishing" attacks usi…
07.14.26 Ask An Advisor With Wes Moss
Jul 14, 2026 · 34 min
The 200-Hour Friendship Rule & Are Financial Advisors Worth It? Making friends as an adult is harder than ever – but just how much time does it actually take to build a close friendship? In this episode, Wes Moss discusses the growing friendship gap in America and the surprising research behind forming meaningful connections. A study from the University of Kansas found that becoming a close friend takes far more intentional time than most people realize. Wes explains why friendships become more…
07.13.26 How Much $ Is In Your Payment App? / Weddings: Less Is More Forever
Jul 13, 2026 · 28 min
Use payment apps? How much? Clark has a major warning about a serious financial risk hiding in plain sight: storing your hard-earned cash inside payment apps like PayPal, Venmo, or Cash App. While these platforms are convenient for sending money, a shocking number of people use them like regular bank accounts to store large sums of money. Therein lies a dangerous reality that could cost you plenty. Also, millennials are rethinking life milestones, especially when it comes to weddings. A recent s…
07.10.26 Clark Answers His Critics on Clark Stinks / Social InSecurity
Jul 10, 2026 · 37 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, economic anxiety is climbing straight up the income ladder, and Americans everywhere are growing deeply worried. On top of that, a troubling new report confirms that Social Security is on track to face insolvency by 2032—a year earlier than we originally thought. If Congress continues to ignore it, roughly 70 million Americans who rely on these checks could see cuts to their bene…
07.08.26 The Clark Smart Way To Buy A Mattress / Student Loan Update
Jul 8, 2026 · 32 min
The mattress industry is in chaos, and major brands like Sleep Number are facing bankruptcy. Clark breaks down how the mattress market became incredibly oversaturated and why traditional mattress stores have seen their business models become obsolete. While online shopping and warehouse clubs have revolutionized how we buy beds, the wave of recent bankruptcies poses a risk to consumers. Clark reveals his ultimate rule for buying a new mattress safely. Also, Clark addresses the looming crisis in…
07.07.26 Ask An Advisor With Wes Moss - Best Of
Jul 7, 2026 · 31 min
In this episode, Wes tackles the psychological hurdle that many high-achievers face when they finally reach the "Retirement Green Zone." After decades of using hard work, discipline, and ambition to build a nest egg, it can be incredibly difficult to simply turn that drive off. Wes discusses the "ambition guilt" that many retirees feel when they pursue creative hobbies or passions that don’t generate a paycheck. Rather than viewing this transition as "lowering" your ambition, Wes argues that the…
07.06.26 Shining A UV Light On Sunscreens / Side Hustle Savvy
Jul 6, 2026 · 31 min
Today, something new under the sun - at least in the U.S.: A now FDA approved sunscreen option long in use overseas, arrives next year. Meanwhile, are you overpaying for sunscreen just because of a fancy brand name? Consumer Reports released its annual sunscreen rankings, and the results again prove you don't have to spend a fortune to protect your skin. Also, Clark dives into the reality of modern side hustles. A TikTok influencer recently went viral after testing different side hustles every d…
07.03.26 BEST OF: Clark Answers His Critics on Clark Stinks / FREE Tuition
Jul 3, 2026 · 32 min
Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 6th 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 - 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 opportunit…
07.01.26 Clark Smart Franchising / Pharmacy Options For Rx Savings
Jul 1, 2026 · 32 min
Considering entrepreneurship via buying a franchise? Clark shares his most important rule before investing your hard-earned money: go work for that franchise first. Instead of relying on the sales pitch, spend several months on the job learning how the business really operates, what challenges owners face and whether the opportunity lives up to the promises. Taking this important step could save you from making a costly mistake and help you become a smarter entrepreneur. Also, Clark discusses th…
06.30.26 Ask An Advisor With Wes Moss
Jun 30, 2026 · 29 min
Is the bucket investing strategy the best way to plan for retirement? In this episode, Wes Moss breaks down the powerful visual behind bucket investing and explains why organizing your money into cash, income, growth, and alternative income buckets can simplify retirement planning. He also shares the biggest drawbacks investors should understand before adopting the strategy. Also, Wes tackles a growing trend: professionals looking for more flexibility, purpose, and balance through a second caree…
06.29.26 Travel Booking Basics / Online Shopping: Spotlight On Dark Patterns
Jun 29, 2026 · 35 min
Clark’s first business was a travel agency and he specialized in saving his clients money. Travel costs are challenging now, with airlines facing higher fuel expenses and travelers paying the price. Clark shares his back-to-basics strategy for finding affordable trips, including why flexibility is your greatest money-saving tool. Learn why Clark lets the deal determine the destination, how shoulder-season airfare pricing can create opportunities for savings, and why being a "free agent" when boo…
06.26.26 Clark Answers His Critics on Clark Stinks / Appeal Insurance Denials
Jun 26, 2026 · 32 min
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, when your health insurer denies coverage for a treatment, procedure, or medication, don't assume that's the final answer. Clark explains a little-known consumer right that could help you overturn a denial: an external appeal reviewed by an independent third party. While some patients do appeal insurance decisions, very few take the next step when they're denied again. Clark share…
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