The Clark Howard Podcast

Clark Howard

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, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs. read less

Our Editor's Take

The Clark Howard Podcast is all about money. Host Clark Howard is a money expert and consumer advocate. He has a syndicated radio show and has done consumer reporting for several TV stations. Clark has also released audiobooks. He wants to help his listeners pay less and save more. Clark retired when he was only 31, so his advice may be worthwhile.

Podcast episode titles and introductions can help guide listeners. Scrolling through the episode list or listening to the first minutes reveals topics. In one show, Clark talks about retirement savings and investment caveats. He mentions a Northwestern Mutual statistic for the amount someone needs to retire. This number is $1.5 million. Clark disagrees that this much is necessary. He lists several ways retirees can supplement their 401K or pension.

One show per week features a "Clark Stinks" segment. Here, he listens to criticism from podcast listeners and responds. Christa, who works with him, reads this feedback. In one episode, she reads reactions from listeners about Clark suggesting mortgages should be portable. He defends his point by claiming homeowners are locked into loans. People paying mortgages with 2-4% interest rates aren't going to move somewhere with a 7% interest rate. They need incentives.

The Clark Howard Podcast also reports on consumer issues and scam alerts. In one segment, Clark says that 25% of sales at grocery stores are now private label. This number stayed around 15% in the past. In reaction, retailers like Walmart are releasing premium food lines. In another episode, Clark warns listeners about a toll-collection scam. Scammers are reaching out to targets via cell phone texts and email. He provides listeners an easy way to discern actual fare violations from phony ones.

Listeners seeking plain-English money advice may find The Clark Howard Podcast helpful. New episodes arrive almost every weekday. Each show is about 30 minutes long.

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Episodios

10.11.24   Clark Answers His Critics on Clark Stinks  /   Real ID & Passport Renewal
Hace 3 dias
10.11.24 Clark Answers His Critics on Clark Stinks / Real ID & Passport Renewal
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also travelers, Clark has new info on Real ID requirements, electronic driver’s licenses and a great new way to renew your passport.  Clark Stinks: Segments 1 & 2 New Travel Document Options & Requirements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The best deals on TVs available now Credit Score Guide How To Dispute an Error on Your Credit Report and Win How To Cancel & Get Rid of PMI Earlier Report: 5 Best Hotel Rewards Programs for 2024 European travelers will have to pay to enter the UK in 2025 Should I Create an E-Verify Account To Lock My Social Security Number? Do Not Give Your Social Security Number at These Places How To Send a 'Drop Dead' Letter to a Collection Agency What Is an Annuity, and Why Does Clark Think They Stink? Certificate of Deposit (CD): What Is It, Best Places To Open One 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 Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices
10.09.24  Becoming A Millionaire - It CAN Happen  /  A New Tip For Avoiding Fraud
Hace 5 dias
10.09.24 Becoming A Millionaire - It CAN Happen / A New Tip For Avoiding Fraud
Who wants to be a Millionaire? Clark discusses how this level of financial security can be within reach - even for those earning average pay. Also today - given the monumental scope of data breaches, in addition to task number one: freezing your credit - Clark has another tip for securing your identity. We all need to batten down the hatches, and Clark shares an important step to help you do just that. Becoming A Millionaire: Segment 1 Ask Clark: Segment 2 Secure Your Identity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] The 401(k) millionaires club hit a new record. What’s their secret? How To Use an IRA To Become a Millionaire How To Retire a Millionaire With a 401(k) Plan in 19 Years 401(k) Calculator // Saving and Investment Calculator Savings Table – By Rate of Return // Savings Table – By Years Target Date Funds: Clark's Favorite Retirement Investment Roth vs. Traditional 401(k): What's the Difference? 3 Places You Should Never Invest Your Money What Is a Backdoor Roth IRA? Backdoor Roth IRA: Advantages and Tax Implications Explained What Are Index Funds? / What Is an ETF? Those Online Accounts You No Longer Use? For Your Own Safety, Get Rid of Them - WSJ Use Password Checkup - Guidebooks with Google Elliott Report: Home 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
09.30.24  Clark Smart Mortgage Moves  /  Holiday Outlook: Deals & Seasonal Hiring
30-09-2024
09.30.24 Clark Smart Mortgage Moves / Holiday Outlook: Deals & Seasonal Hiring
Mortgage questions are up since the Fed Rate cut. Clark discusses what to expect with interest rates, and other factors that figure into cost effective strategies for home buyers and those considering refinancing. Also, it’s not too early to start thinking about the holidays and your budget. What to expect from retailers in terms of October & November deals and seasonal hiring. Mortgage Update: Segment 1 Ask Clark: Segment 2 Holiday Outlook: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Mortgage Refinance Calculator Saudi Arabia ready to abandon $100 crude target to take back market share 4 Things To Know Before You Buy a Digital TV Antenna Clark.com Streaming Channel Tool Clark.com Guide to Best Streaming Services for 2024: Every Option Explained How To Watch Local Channels Without Cable 4 Things To Know Before You Sign Up for Sling TV Best Free Streaming Services in 2024: Movies and TV for Cord Cutters 9 Things on Deep Discount in October Has Clark Enjoyed Moving From a House to a Condo? 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 Public.com+Public Investing: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices
09.26.24  Waste Not Want Not - Whatnots  /  Decisions In The New Era Of Biometrics
26-09-2024
09.26.24 Waste Not Want Not - Whatnots / Decisions In The New Era Of Biometrics
In today’s episode - Clark recently saw a quote from one of the stars of “Shark Tank” about how much we waste money on daily habits, offering a new way to think about spending categories to locate areas where you can - Spend Less. Also, biometrics are clearly here to stay, and they can be a big positive for security. But what are you willing to give up, and how secure is your secure information?  Daily Spending: Segment 1 Ask Clark: Segment 2 Biometric Security: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Keep Old Credit Card Accounts Open My 7 Rules for Using Credit Cards - Clark Howard TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? CLEAR Brings TSA Pre-Check Enrollment to 6 More Airports Why You Should Consider Applying for Global Entry Right Now Pay-Per-Mile Insurance: Is It Worth It? Mile Auto Insurance: A Firsthand Review Metromile Insurance Review: 6 Things To Know Best Airline Credit Cards for 2024: Are They Right For You? Are Airline Miles Worth It? Credit Karma Review: Free Credit Score and More at Your Fingertips How to Freeze Your Credit With Experian, Equifax and TransUnion How To Monitor Your Credit  /   How To Get a Free Credit Report 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
09.20.24  Clark Answers His Critics on Clark Stinks  /   Auto Insurance Rate Forecast
20-09-2024
09.20.24 Clark Answers His Critics on Clark Stinks / Auto Insurance Rate Forecast
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, auto insurance rates increased by almost 20% last year. Will these increases continue? Clark explains how we got here, the state of the industry, and what you can do to keep costs down. Clark Stinks: Segments 1 & 2 Auto Insurance Industry Changes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Buy Additional Insurance From a Rental Car Company? Scam Alert: Think Twice Before Scanning QR Codes What Is Umbrella Insurance and Do You Need It? 10 Ways To Save Money on Car Insurance Car Insurance Rates Could Jump Over 50% in Some States This Year How to Shop for Lower Car Insurance Mile Auto Insurance: A Firsthand Review Can a Patient Advocate Help With Your Medical Bills? First, see if you can get your medical bill forgiven Best 529 College Savings Plans By State What's the Best Way To Send Money Overseas? 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 Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices
09.17.24  Back To Basics: SAVE MORE  /  A New Wave Of Ponzi Schemes
17-09-2024
09.17.24 Back To Basics: SAVE MORE / A New Wave Of Ponzi Schemes
Today - we are going back to basics on saving. Recent stats are cause for concern about consumer spending and our average saving rate. Also, there’s a surge in Ponzi schemes stealing hundreds of millions from would-be investors. Clark relates real accounts of recent schemes and the red flags to look out for.   Saving-First And Automatically: Segment 1 Ask Clark: Segment 2 Ponzi Schemes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans’ Savings Rate Plummets Amid Summer Spending How To Save Money: Spend Less & Build Your Savings Using Cellular Data Internationally: Buying a Local SIM Card Roamless: Global eSIM for Travel Internet, eSIM App Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons) https://duckduckgo.com/ Thinking about rooftop solar? 4 things to consider and how to protect yourself How Solar-Friendly Is Your State? We Scored Them All Best Travel Credit Cards: Top Rewards Picks for 2024 When Interest Rates Go Down, the Hucksters Spring Up - The Wall Street Journal. Brothers, SEC reach a deal in alleged scheme Brothers accused of operating $61M Ponzi scheme Receiver searching for assets in alleged Ponzi scheme $300M Ponzi Scheme Prompts Freezing Of Assets For ATL Businessman: SEC FTC and Florida Act to Stop ‘Trucking Automation’ Scam RivX That Took Millions of Dollars From Consumers 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