The Clark Howard Podcast

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, there’s much discussion about how AI is revolutionizing the nature of work and change is happening rapidly. Clark lends historical perspective and discusses what is key for your job prospects going forward.  Clark Stinks: Segments 1 & 2 AI And Career Flexibility : Segment 3 Ask Clark: Segment 4 Mentioned on the show 22 Ways To Save Money on Groceries A Quick Guide on How to Insure Jewelry How Often Should I Appraise a Wedding Ring for Insurance, and Who Should Appraise It? Living Will and Durable Power of Attorney: Frequently Asked Questions ChatGPT, AI jobs are soaring while companies use the same technology to cut costs How (and why) you should create a backup plan for your career Why Did My Credit Score Drop? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares findings from a new study about today’s working households and their outlook for retirement. Why are 28% of high income earners struggling in retirement? How you can resolve to build your reserve. Also today, Clark is all about FREE and doesn’t much mind the tradeoffs – and more people are receptive to saving money now. Enter TextNow.com - a FREE cell phone service that may work for you.  Retirement Outlook: Segment 1 Ask Clark: Segment 2 FREE Cell Phone Service : Segment 3 Ask Clark: Segment 4 Mentioned on the show Almost Half of Today’s Working Households Are at Risk of a Lower Standard of Living in Retirement National Retirement Risk Index - Center for Retirement Research at Boston College Bluebird - Loaded with Benefits. Light on Fees. Credit Karma Review: Free Credit Score and More at Your Fingertips Credit Score Guide Target Date Funds: Clark's Favorite Retirement Investment Clark.com - TextNow: How To Get Free Texting and Calling 10 Ways To Save on Prescription Drugs Protect Your Identity Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Now more than in the past 15 years, it pays to seek out the best interest rates on savings so you make the most on your money.  Announcing our new guide at Clark.com with a listing of best savings accounts updated weekly and a brand new savings calculator. Also in this episode, travel is up, so travel scams are back with a vengeance - all varieties. Clark tells you what to look out for. WHO you book with is key. GUIDE: Savings Accounts: Segment 1 Ask Clark: Segment 2 Travel Scams: Segment 3 Ask Clark: Segment 4 Mentioned on the show Clark.com - Best High-Yield Online Savings Accounts What Is a Thrift Savings Plan? 13 Steps To Keeping Your Email Safe and Secure Privacy Archives - Clark Howard Proton - Privacy by default  /  Brave Private Web Browser  /  DuckDuckGo -Privacy simplified. What Does A Travel Scam Look Like And How Can You Avoid It? Road Scholar: Educational Travel & Learning Adventures A Retired Travel Agent's Secrets for Getting the Best Travel Deals Clark.com - CELL PHONES Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark fills you in on current direct student loan rates just announced. As the payment holiday comes to an end, know what is required to get and stay current on these loans. Also, recent developments in the electric car space will open up more EV choices.  Student Loan Updates: Segment 1 Ask Clark: Segment 2 EV Announcements: Segment 3 Ask Clark: Segment 4 Mentioned on the show Student loan payments will be due starting in October, Department of Education clarifies Here's how to prepare to start paying back your student loans when the pandemic payment freeze ends Public Service Loan Forgiveness (PSLF) Credit Karma Review: Free Credit Score and More at Your Fingertips 7 Places to Get the Best Deals on Lab-Created Diamonds  /  Rare Carat Ford strikes deal with Tesla to gain access to rival charging stations starting 2024 GM wants to adopt Tesla’s charging network as ‘the standard’ Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

In light of the recent Labor Department report, Clark has key job advice to keep in mind moving forward. Also in this episode, there’s a federal statute concerning how the $7500 tax credit works for buying an electric vehicle and a surprising way to take full advantage of that credit. Clark also discusses the industry now and what potential buyers need to know.  The Job Market Is Booming: Segment 1 Ask Clark: Segment 2 Buying A Vehicle: Segment 3 Ask Clark: Segment 4 Mentioned on the show Axios: The end of the self-employment boom From teachers to waiters: The industries that haven’t bounced back from the pandemic [The Washington Post] Labor Market Is Not Buying Into Talk of a Recession How to Teach Young Kids About Money The easiest way to get a $7,500 tax credit for an electric vehicle? Consider leasing. Are You Following Clark's Maximum Auto Loan Length Rule? The Average Vehicle Age in America When Will Car Prices Drop? Cars Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, this summer calls for extra travel precautions. Make sure you know what experts know about how to avoid bed bugs at your lodging destination!  Clark Stinks: Segments 1 & 2 Travel Inspection - Bed Bugs: Segment 3 Ask Clark: Segment 4 Mentioned on the show Best 529 College Savings Plans By State HUD Good Neighbor Next Door Program How Much Life Insurance Do I Need? Should You Sell or Stay Put in the Stock Market? Potentially record summer travel + low housekeeping staff = bed bug nightmares - from USA TODAY How To Pack a Carry-On the Right Way How To Find Cheap Flights in 3 Easy Steps Capital One Venture Rewards Credit Card: Travel Credit Card Review Capital One Venture X Rewards Credit Card: 6 Things To Know in 2023 Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Inflation busters! With inflation easing in some categories, Clark shares some items that are more affordable now. Also, with the housing shortage and high mortgage rates, house hunters are looking for creative ways to become homeowners, including ARMs and the 1% down payment. Get Clark’s take on both options.  Inflation Busters: Segment 1 Ask Clark: Segment 2 2 Mortgage Options Explained: Segment 3 Ask Clark: Segment 4 Mentioned on the show Eggs Are Going on Sale Just Months After Prices Hit Records It's not just the Costco $1.50 hot dog combo—4 products that have beaten inflation Homebuyers might be able purchase a home with less savings — thanks to the two largest US mortgage lenders now allowing down payments of just 1% Why You Should Not Get a 1% Down Payment Mortgage Adjustable-Rate Mortgage: What Happens When Interest Rates Go Up Unprecedented Change to Clark Howard’s Longtime Home Buying Rule How To Freeze Your Credit With Experian, Equifax and TransUnion How to Freeze Your Child's Credit Should You Buy a Car With a Salvage Title? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark highlights recent and upcoming changes to retirement accounts involving tax law changes with potential benefits you should know about. Also, new issues with Zelle and Apple Savings accounts, and a warning for Venmo, Cash App & PayPal users. Retirement Account Changes: Segment 1 Ask Clark: Segment 2 Hazard With Payment Apps: Segment 3 Ask Clark: Segment 4 Mentioned on the show WSJ: Retirement-Savings Changes You Should Know About for 2023-24 Families can make a tax-free rollover from 529 plans to Roth individual retirement accounts starting in 2024 Best Budgeting Apps in 2023: Our Top 6 Mint Review: 5 Things To Know About the Free Budgeting Tool What Is a 403(b) and How Does It Work? How To Open a Roth IRA JPMorgan Chase Working to Reverse Double Payments on Zelle - The Wall Street Journal. [The Washington Post] Don’t store money in Venmo, Cash App or PayPal, regulator says Apple Customers Say It’s Hard to Get Money Out of Goldman Sachs Savings Accounts - WSJ 7 Things To Know Before You Use Zelle 14 of the Best High-Yield Online Savings Accounts in June 2023 5 Things To Know About Series I Savings Bonds Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Submit your travel story! 404 981-2017Clark breaks down the national debt - what the real problem is and how to fix it. The sooner the better. Also today, Amazon just settled a lawsuit over spying through Alexa and Ring devices. “Smile, You’re on Candid Camera” - depending on where your security cams are operating. Clark has suggestions.  Fixing Deficit Spending: Segment 1 Ask Clark: Segment 2 Privacy In The Digital Era: Segment 3 Ask Clark: Segment 4 Mentioned on the show Submit your travel story! 404 981-2017 The Debt-Limit Deal Suggests Debt Will Keep Growing, Fast How To Buy Term Life Insurance in 7 Easy Steps Fidelity Investments Review 2023: Pros & Cons Schwab Starter Kit™ Amazon must pay over $30 million over claims it invaded privacy with Ring and Alexa Ring’s privacy failures led to spying and harassment through home security cameras FTC says: Amazon didn’t protect Alexa users’ or children’s privacy What Home Security Camera Does Clark Prefer Ahead of Amazon’s Ring? Amazon “Prime Visa” Card Review: 5% Back for Amazon Prime Members DOT - File a Consumer Complaint 4 Things You Should Always Pack in Your Carry-On Wills & Funerals Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One company has now been sued for making BILLIONS of robocalls to Americans. Follow Clark’s simple rule to avoid this menace, plus Clark’s NEVER NEVER rule regarding texts & emails, and reduce your chances of getting scammed. Also today, Airbnb’s new transparency reveals a stunner: FEES and how much they add to the stated nightly rate. Know what to expect when booking.  Scam Avoidance Rules: Segment 1 Ask Clark: Segment 2 Airbnb Fee Reveal: Segment 3 Ask Clark: Segment 4 Mentioned on the show [The Washington Post] Telecom company sued by nearly every state over billions of robocalls How To Stop Spam Calls for Good Clark Howard's #1 Rule To Avoid Email Scams Why You Should Never Click on Random Text Messages 3 Places You Should Never Invest Your Money How To Find and Choose a Financial Advisor Best Investment Companies for Investors in 2023 Airbnb Revamps Site to Ease Tensions Between Guests, Hosts Study: Cities With The Worst Airbnb Fees In 2023 5 Steps To Getting a Good Deal on a Hotel Room Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices