The Clark Howard Podcast

Episodet

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  08.19.26 The FIRE Movement Today / Pricing Mind Games 19.08.2026 37min

  If you think winning the lottery is the only way to achieve financial independence, think again! The Financial Independence, Retire Early (FIRE) movement has shifted drastically over the years in the wake of inflation, rising housing costs, and healthcare challenges, but the core principle of FI is more relevant today than ever. Clark shares his own journey—including retiring at 31 and  starting his first business by living on half his income—to show you how living on less than you make can buy you ultimate freedom. Also, are you really getting a discount, or are retailers just playing mind games? Clark exposes how major stores—especially in clothing and online marketplaces like Amazon—artificially inflate original prices just to mark them back down. Learn how to spot deceptive pricing tricks, use historic price-tracking tools, and resist psychological sales traps so you never get ripped off again. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 19, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. FIRE Movement Update: Segment 1 Ask Clark: Segment 2 Pricing Tricks: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Does Financial Freedom Mean To You? Our Six Levels What I got wrong about FIRE   /   How to Retire Early in 7 Steps Best Of: The Clark Origin Story  /  About Clark Howard What Is Mortgage Recasting? / Mortgage Recast Calculator How some retailers inflate original prices to create fake discounts How To Get the Best Price Possible Shopping Online - Clark Howard How To Use Camelcamelcamel - Clark Howard National Academy of Elder Law Attorneys Home NAELA Best Small Business Credit Cards - Clark Howard How Do I Remove Myself as an Authorized User on a Credit Card? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  08.18.26 Ask An Advisor With Wes Moss 18.08.2026 42min

  What History Really Says About All-Time Market Highs & Should You Move to a 55+ Community? With the S&P 500 continuously hitting new all-time highs in 2026, many investors are wondering if the market has moved too far, too fast. In this episode, Wes Moss dives into the history of market highs, explaining why record-breaking runs are actually far more common—and far less dangerous—than headlines suggest. Also, Wes tackles one of the biggest lifestyle decisions in retirement: deciding where to live. Maintaining a vibrant social circle gets harder as we age, but moving to an active 55+ community can provide the built-in social network, amenities, and lifestyle needed to thrive. Wes walks through a real-life case study of how to properly research, visit during peak seasons, and test-drive these neighborhoods before buying. Plus, he reveals a clever tax strategy for funding your next home without triggering a massive tax bill. Mentioned on the show: The Overlooked 'Rule of 55' Could Unlock an Earlier Retirement A Simple Rule for When To Take Social Security Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 18, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to a happier retirement – pre-order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com  We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices
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  08.17.26 Renters Face New Junk Fees / Tap-To-Pay Scam Warning 17.08.2026 29min

  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 digital tokenization, but scammers have found a clever way to exploit your generosity. Fraudsters posing as street solicitors for fake charities are asking people to tap their phones to donate, only to take the device and quietly alter a $20 donation into a $200 charge. Clark shares what you need to know to protect your wallet. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 17, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Renter Junk Fees: Segment 1 Ask Clark: Segment 2 Phone Tap-To-Pay Alert: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The rent was already high. Then came the $200 work-from-home fee -USA TODAY  Clark Deals: Today’s Top Travel Deals How To Use Priceline To Save on Travel - Clark Howard Military and Veterans Guide: Free Resources for Your Finances Cheapest Way to Rent a Car: Expert Tips - Clark Howard Costco Travel: 5 Things To Know Before You Book - Clark Howard USA TODAY: Tap to pay is convenient. These 6 steps can protect your money Empower Review: How It Works, Pros & Cons - Clark Howard Best Budgeting Apps in 2026: Our Top 7 - Clark Howard Clark.com Calculators Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  08-14-26 Clark Answers His Critics on Clark Stinks / Essential Documents 14.08.2026 32min

  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 unnecessary hardship when it matters most, as Clark explains. All this and more on the August 14, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Essential Signings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What's the Best Thermostat Setting for Summer To Save Money? 5 Major Bills You Can Lower This Month - Clark Howard Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet Are Extended Warranties Ever Worth It? - Clark Howard 3 Financial Documents Everyone Should Have by Age 18 What Do I Need To Do To Make Sure My Financial Affairs Are in Order Before I Die or Become Disabled? Why You Should Never Use a Debit Card To Pay for Anything Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Submit your opinions or questions: Ask Clark. Learn more about your ad choices. Visit megaphone.fm/adchoices
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  08.12.26 One Bad Apple Deal / CDs: Opportunity And Method 12.08.2026 33min

  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, everyday savers have a prime opportunity now to lock in high returns before interest rates drop. If you have cash you won't need for 1 to 5 years, Certificates of Deposit (CDs) are one of the safest ways to beat inflation. Clark walks us through how to easily purchase broker-placed CDs through top discount brokerages or reputable online banks, why you should strictly avoid giant mega-banks that offer virtually zero interest, and how to protect yourself from the predatory "auto-rollover" trap that slashes your rates the moment your term ends. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 12, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Apple Trap: Segment 1 Ask Clark: Segment 2 CD Opportunity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should You Lease an iPhone Through Apple Upgrade? Are Extended Warranties Ever Worth It? - Clark Howard Get an electronic travel authorisation (ETA) to visit the UK Eurostar.com: Book Europe Train Tickets and Holidays When Do You Need a Travel Agent? - Clark Howard Is Now the Time To Get a CD or a CD Ladder? Certificate of Deposit (CD): What Is It, Best Places To Open One CD Interest Calculator  /   What To Do BEFORE Your CD Expires BBB-File a Complaint How to Protect Your Wallet From Rental Car 'Gotchas' - Clark Howard Should I Use a Credit Card or Give Up My Bank Account Info To Save 2.3%? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  08-11-26 Ask An Advisor With Wes Moss 11.08.2026 36min

  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 massive psychological barrier of spending down your hard-earned nest egg. Running out of money is the single biggest financial fear for most Americans. Wes shares the rule that offers an extremely high probability of success, giving you the confidence to stop worrying, start spending wisely, and enjoy the retirement you earned. Mentioned on the show: Cost of Living Calculator | City and Salary Comparison Tool Do You Really Need To Rebalance Your Portfolio? If You Have Enough To Retire Comfortably, Should You?   Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 11, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask Discover the research-backed path to an earlier, happier retirement – pre-order The Retire Sooner Method by Wes Moss today at retiresoonermethod.com. We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices
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  08.10.26 Breaking Phone Addiction / Know The Affinity Fraud Trap 10.08.2026 35min

  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 Shopify stores and manipulated earnings simulations. Clark breaks down how over $1 billion has been stolen from professional athletes—and what can be learned from it. Know how to spot the red flags, protect your hard-earned money, and avoid falling for the same trap—no matter who recommends the deal. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 10, 2026, episode of The Clark Howard Show.  Submit your opinions or questions: Ask Clark. STOP Scrolling: Segment 1 Ask Clark: Segment 2 Affinity Fraud: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Brick Phone Lock Review: Why This Device Is a Game-Changer Can a $60 Plastic Cube Solve Our Screen-Time Crisis? - The WSJ Is Frontier's GoWild! Pass Worth It? - Clark Howard  Is There a Safe Way to Use Your Debit Card? - Clark Howard  NFL Players Targeted in E-Commerce Scheme Using Fake Shopify Stores How To Find the Biggest Scams in Your Area - Clark Howard Why You Need Paper Evidence of Your Financial Accounts 7 Things To Know About Costco Pharmacy - Clark Howard 10 Ways To Save on Prescription Drugs - Clark Howard Travel Archives - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  08.07.26 Clark Answers His Critics on Clark Stinks / Promises And Prenups 07.08.2026 34min

  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 and more on the August 7, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Clark Stinks: Segments 1 & 2 Prenuptial Agreements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What You Need To Do if Your Phone Gets Lost or Stolen Cheapest Way to Rent a Car: Expert Tips - Clark Howard Are AutoSlash and HotelSlash Legit? - Clark Howard Register Your Trip with STEP Why Clark Howard Changed His Mind About Prenups How To Save Money: Spend Less & Build Your Savings How to Shop for Lower Car Insurance  /   Car Edge Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  08.05.26 Starting A Small Business / Automated Check-Out Warning 05.08.2026 28min

  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 dangerous gap between automated retail technology and human common sense. Know how to protect yourself with electronic receipts and tap-to-pay records, ensuring an automated mistake doesn't turn into a major headache for you. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 5, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Resources For Entrepreneurs: Segment 1 Ask Clark: Segment 2 Automated Check-Out: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Business & Entrepreneurs Archives - Clark Howard  Service Corps of Retired Executives  /  SCORE.org America’s SBDC  /  Small Business Development Centers (SBDC) National Trades Jobs Report  CNBC: 27-year-old locksmith spent $7,000 on tools, works around the clock in NYC: 'I'd never held a screwdriver in my life' before starting Unclaimed Money: How To Find and Claim Missing Funds for Free Mint Mobile Code: SAVINGSPOD Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  08.04.26 Ask An Advisor With Wes Moss 04.08.2026 35min

  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 shares your #AskWes questions and Wes gives his take. All this and more on the August 4, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Mentioned on the show: When Is the Best Time To Collect Social Security? - Clark Howard The Math On When You Break Even With Social Security If You Have Enough To Retire Comfortably, Should You? How To Balance College Savings and Retirement - Clark Howard  Clark Howard: Avoid This Costly College Debt Mistake Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices
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  08.03.26 Air Travel Update / DIY Home Upgrades 03.08.2026 39min

  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 make them work for your wallet with a few simple DIY home upgrades. Learn how a weekend DIY project can protect your home, prevent costly disasters, and keep more money in your pocket every month! Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 3, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Air Travel Updates: Segment 1 Ask Clark: Segment 2 DIY Home Upgrades: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Score Cheap Fall Airfare and Award Flights The Extra Mile -Delta’s Basic Premium Fares-LifeMiles ‘Revalues’ Biz Class Awards NYTimes: A Guide to Basic Business / Why You Should Re-Shop Your Cruise European Travel Information and Authorisation System (ETIAS) Life360 | Family-Proof Your Family | Location Sharing & Safety Easy DIY Upgrades To Save on Home Insurance Axios: Treat your home like a hobby Clark Howard's 5 Money Tips for Couples / How To Open a Roth IRA Why Clark Howard Is Obsessed With Roth for Retirement Savings Clark Howard's 5 Money Tips for Couples Capital One Venture X Rewards Credit Card: 6 Things To Know  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  07.31.26 Clark Answers His Critics on Clark Stinks / Property Taxes 31.07.2026 37min

  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 attorney for larger commercial properties. The key is to act fast: pay close attention to your assessment, check the math, and fight for your money! All this and more on the July 31, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Clark Stinks: Segments 1 & 2 Property Tax Sticker Shock: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 10 Ways To Save on Prescription Drugs - Clark Howard Why Clark Howard Has Ditched Bill Pay and What He's Doing Instead When You Should (and Shouldn't) Use a 529 Plan - Clark Howard How Long Do You Need To Keep Tax Documents? - Clark Howard Safer Ways To Send Money: Clark Howard’s Rules for Protecting Your Cash America is in the middle of the biggest property tax revolt in 50 years Report: The States With the 10 Highest and Lowest Property Taxes A Single Change to Your Car-Buying Habits Could Add $250,000 to Retirement The Sneaky Web Tricks Costing You Money - Clark Howard Stop Paying for a Credit Card You Barely Use - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  07.29.26 Investor Alert: Correction Protection / T-Mobile T-Bones Your Wallet 29.07.2026 33min

  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 rates and hitting loyal users with continuous price increases. You don’t have to accept a bloated cell phone bill. By breaking up family plans based on actual usage, avoiding the "free iPhone" trap that locks you into expensive contracts, and exploring budget-friendly sub-brands that use the exact same towers, you can slash your monthly bill down to $10–$30 a line. Calculate your annual cell phone spend today—you might be shocked by how much you can save! Compare plans right now at clark.com/phoneplanfinder. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 29, 2026, episode of The Clark Howard Show.   Submit your questions: Ask Clark. High Market Anxiety: Segment 1 Ask Clark: Segment 2 Beat Cell Service Hikes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: A Key Investing Lesson to Remember Right Now How To Find and Choose a Financial Advisor - Clark Howard The next crash: why this time might not be different Why You Need To Lock Your Brokerage Account Today What Is a Solo 401(k) and How Does It Work? - Clark Howard  T-Mobile Retires Legacy Plans: Expect a Price Increase - Clark.com Why Now Is the Time To Switch Your Cell Phone Service How To Get a Free Cell Phone in 2026 (Best Deals + Hidden Catch) The Best Phone Plan For You – Compare Phone Plans What Should You Do if Your Insurance Claim Is Denied? Credit Score Guide - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  07.28.26 Ask An Advisor With Wes Moss 28.07.2026 30min

  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 happiness levels and financial autonomy jump dramatically. Plus, Wes reveals the ultimate superpower of happy retirees that has nothing to do with your bank account, and everything to do with your well-being. Mentioned on the show: Betterment Review: How It Works, Pros & Cons - Clark Howard Best Investment Companies for Investors in 2026 A Key Investing Lesson to Remember Right Now Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 28, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices
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  07.27.26 Elder-Parent Care / HOA & Condo Fees 27.07.2026 34min

  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 monthly expense has turned into a massive financial strain due to "amenities creep" and inflation. Clark warns that an HOA acts like its own taxing authority with the power to fine you or even foreclose on your home, making it vital to know exactly what you are signing up for before you buy. If you already live in a community where the board is running amuck, Clark shares his personal experience serving on three different boards and explains why organizing with your neighbors and running for a seat is the ultimate way to protect your wallet. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 27, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Oversight Beats Hindsight: Aging Parents: Segment 1 Ask Clark: Segment 2 HOA & Condo Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Checklist: What to discuss with aging parents about finances NYTimes: 5 Money Lessons From Readers in the Trenches of Elder-Parent Care How Two Clark-Approved Annuities Can Reduce Retirement Stress  Why Your HOA Fees Are Skyrocketing⁠ Should You Make Your Child an Authorized User on Your Credit Card? What Is a Secured Credit Card and How Does It Work? - Clark Howard The Biggest Investing Lesson From Trump Accounts Cheapest Way to Rent a Car: Expert Tips - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  07.24.26 Clark Answers His Critics on Clark Stinks / AI Shopping Bots 24.07.2026 38min

  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 Clark Howard Show. Clark Stinks: Segments 1 & 2 AI Shopping Bot Pitfalls: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Credit Score Guide - Clark Howard Credit Score Expert Discusses Tips, Mistakes and Misconceptions Is Your Credit Card Working Against You in 2026? - Clark Howard How Dividing Your Monthly Credit Card Payment Speeds Up Your Payoff DateAxios: Exclusive: SpaceXAI, GoPuff want you to shop with Grok  Visa plugs its payment network into ChatGPT, letting AI agents shop and pay for users This Device Can Help You Avoid an Annoying Car Rental Fee  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  07.22.26 Electronics: Repair Or Replace? / Buying Insurance 22.07.2026 33min

  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 tech item, and how to avoid the "free phone trap" being pushed by the big three wireless carriers. Also, Clark dives into the massive shakeup happening in the insurance industry. State Farm is facing major backlash from its own agents after dropping a hammer on their compensation models—a desperate move to compete in a market where they are losing ground. Hear which company has taken the lead by embracing a hybrid model, and what to expect buying online vs. with an agent.Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 22, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Electronics: Repair Or Replace?: Segment 1 Ask Clark: Segment 2 Buying Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The ‘right to repair’ movement has a point, but consumers should read the warranty fine print first — The Conversation Why You Should Avoid These Free Offers From Verizon, AT&T and T-Mobile 5 Vacation Scams To Avoid This Travel Season - Clark Howard How to Shop for Lower Car Insurance - Clark Howard Best and Worst Homeowners Insurance Companies - Clark Howard Homeowners Insurance Archives - Clark Howard  State Farm’s AI Plan for Sales Agents Sparks Uproar. ‘A Real Slap in the Face.’ Is Accident Forgiveness Worth It? - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  07.21.26 Ask An Advisor With Wes Moss 21.07.2026 32min

  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 money anxiety. Later in the episode, Wes tackles a major fear shared by almost every new retiree: touching the principal. Through a real-life client story, he explains how to bridge your income gap using dividend yields and the famous "4% Rule" so you can protect your hard-earned nest egg and retire with peace of mind. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 21, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes.  Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices
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  07-20-2026 WFH Is Reshaping Employment / Health Insurance Costs 20.07.2026 35min

  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 heavily by hospital system monopolies in major metro areas—is pushing individual deductibles toward an estimated $15,000 and family deductibles past $30,000 by 2027. Clark explains everything you need to know - including another disadvantage in Advantage Plans.  Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 20, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. WFH Benefits & Risks: Segment 1 Ask Clark: Segment 2 Health Insurance Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Working remotely could make you more vulnerable to a layoff than AI Scam Alert: How To Avoid Home Title Theft - Clark Howard Home Title Lock: Is It the Same As Home Title Insurance? Property Fraud Alert Are Missing Money Websites Legit? - Clark Howard Raisin Review: Can You Trust This Online Savings Marketplace? 16 of the Best High-Yield Online Savings Accounts in July 2026 Is Plaid Safe? 5 Things to Know Before Linking Your Bank Account  Searching for health insurance? Keep scrolling to avoid government impersonators How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is a Secured Credit Card and How Does It Work? - Clark Howard Best Secured Credit Cards for 2026: Top Picks for Building or Repairing Credit Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
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  07.17.26 Clark Answers His Critics on Clark Stinks / Your Car’s Longevity 17.07.2026 36min

  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 this and more on the July 17, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Auto Industry Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Travel Credit Cards: How To Find the Perfect Fit for Your Spending Clark Deals - Today's Best Deals of the Day Are You ‘Spaving’? Why Trying to Save Could Be Costing You More  One Million New-Car Buyers Are Gone and They’re Not Coming Back Soon A Single Change to Your Car-Buying Habits Could Add $250,000 to Retirement 10 Cars That People Keep for 15 Years or More - Clark Howard Axios: Radical new electric trucks Unum - Contact Us Tax-Loss Harvesting: Definition and Example  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices