The Clark Howard Podcast 03.06.26 Clark Answers His Critics on Clark Stinks / Renovation Reprise
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Mar 6, 2026 Clark fields listener critiques about tipping controversies and reporting alleged theft. He walks through setting up Solo 401(k)s, Roth IRA timing for ACA subsidies, and HSA reimbursement rules. They unpack mortgage rate nuances and a softening home renovation market, including better ADU opportunities. Practical tips on saving for big projects and ensuring proper homeowners coverage round out the conversation.
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Avoid Getting Burned By 0% Purchase Promotions
- Do avoid 0% promotional financing unless you build a buffer and confirm contract payoff terms to prevent retroactive interest.
- Clark recommends paying off 0% deals early or keeping a two-month buffer because in-house lenders may set due dates after the promo end.
Clark's Dog Winston Survived Dangerous Ingestions
- Clark shares a story about his dog Winston eating dangerous items and needing hospitalization.
- Winston ate grill wipes and cocoa, required four days in the hospital, and also ate tulips and other toxic items.
Keep Receipts To Reimburse HSA Expenses Later
- Do keep and digitize medical receipts if you use an HSA so you can reimburse yourself tax-free years later.
- Clark recounts advising a flight attendant to retain records because HSAs allow reimbursement for past qualified expenses.