Podcast appearances and mentions of Clark Howard

Steak Night Sticker Shock & Is a Market Correction Coming? Beef and steak prices are soaring. But beyond the grocery store and date night, it's costing you more than you think, as Wes Moss explains. Also, Wes also address the psychological "twinge" investors feel when the stock market hits new all-time highs. What should investors do in 2026? While it's tempting to think an all-time high is a signal to get out, history suggests the opposite. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 24, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

How you invest savings can make a big difference in how much you have later in life. Clark explains ETFs (Exchange-Traded Funds) vs. mutual funds - and the superior choice for your non-retirement accounts.  Also, we love our pets and pet wellness plans may sound like a solid option for affordable vet care – but there's a major catch. ETFs vs Mutual Funds: Segment 1 Ask Clark: Segment 2 Pet Wellness Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ETFs vs Mutual Funds: What's the Difference and When Does It Matter? Where Should I Set Up My Health Savings Account (HSA)? Life Insurance Archives - Clark Howard HSA vs FSA: What's the Difference? - Clark Howard Is Pet Insurance Worth It? - Clark Howard 4 Fastest Ways To Improve Your Credit - Clark Howard Credit Karma Review: Free Credit Score and More at Your Fingertips Southwest changes are infuriating fansClark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Should You Use Your “Sacred” Retirement Fund To Save Your Business? & 2026 Jobs Outlook As rapid technological shifts ripple through every industry, many entrepreneurs are finding themselves in a temporary cash flow crunch. While retirement accounts are often viewed as a "sacred chest" that shouldn't be touched, Wes Moss explores how to strategically leverage your brokerage and Roth IRA accounts to bridge the gap. Also, Wes dives deep into the latest data from the U.S. labor market to see what it actually means for your portfolio. Despite some "ancient history" revisions from 2025 that initially painted a gloomy picture, the January 2026 jobs report tells a much more resilient story. Whether you're managing a business or a retirement timeline, understanding these labor trends is key to staying invested with confidence. Mentioned on the show: Asset Class Returns A Jack Bogle Lesson: Remember Reversion to the Mean How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is Long-Term Care Insurance Cost & Coverage Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 17, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

TUE – Clark talks taxes. Thanks to tax reforms last year, you'll probably get a larger refund this year. It's “found money.” Don't rush out to spend it though – it's a great way to pay down credit card debt!

You may be examining your spending habits this year, looking to set goals to improve your financial health. Clark discusses how your money mindset will affect your future in a big way. Are you spending your way into debt misery, or saving your way to frugality regret? Clark invokes finding a healthy balance between discipline and enjoyment. Also - A great way for the self-employed to save tax free for the future. A powerful wealth-building tool is finally getting the attention it deserves: the Solo 401(k) A Balanced Money Mindset: Segment 1 Ask Clark: Segment 2 Solo 401k's Take Off: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Two Key Pillars to Financial Freedom - Clark Howard How Many Bank Accounts Should You Have? - Clark Howard 1 Day Pass by Sling  /  Sling's Subscription Option What Is a Solo 401(k) and How Does It Work? How To Open a Roth IRA Emergency Fund: Everything You Need to Know - Clark Howard 5 Things to Know About New Settlement That Could Change Credit Card Rewards 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

MON – Clark talks about restaurant gift cards. It's a tough time for the restaurant industry, and lots of them are closing. If you've got restaurant gift cards, Clark says you should use them soon!

FRI – Clark shares a strategy for discussing family finances, to help you manage stressful and expensive Valentines Day expectations.

THU – Shopping for a new or used car? Clark looks at how buying directly online means you can avoid all the dealership drama AND save money!

WED – Clark looks at changes in the modern job market, and strategies you can use to make sure your skillset grows and morphs with changes to come.

Why Everything Still Feels Expensive & Growth vs. Value Stocks: Which Is Best? Is inflation going away? The reality is that while the rate of change might slow down to 2% or 3%, the cumulative "stacking" of past inflation remains, leaving consumers anchored to old prices while fighting for higher wages. Wes Moss explores why we can't afford to get complacent and how this cycle is exactly why we invest in the first place. Also, Wes peels back the layers of the market to examine the two main "flavors" of investing: Growth vs. Value. Using the analogy of apples, Wes breaks down the fundamental differences between the fast-moving, low-dividend world of Growth stocks (like Amazon) and the mature, dividend-heavy world of Value stocks. Which fits best in your portfolio? Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 10, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

TUE – Energy costs are soaring, and in places where huge data centers are going in, the costs will go even higher. Clark shares who you need to contact, so the government subsidizes those data center power bills, not you and me!

MON – New car prices have soared in recent years – but Clark shares where you can find new cars priced in the mid-$20k's.

THU – Clark shares his thoughts on why you should wait as long as possible before you start taking Social Security benefits.

WED – Are you looking for a new job? Clark says the key to successfully landing a new job isn't in your application or your resume, it's in making and engaging your professional contacts!

Dollar vs. Gold: Why You Don't Need To Panic & #1 Retirement Fear (and Ways To Let It Go) While recent headlines might suggest the dollar is "plunging" as gold and silver prices soar, Wes Moss provides a grounded perspective on why the decline, while significant, is still well within historical ranges, and why he believes our economy is still strong. Also, Wes dives into the top fear facing Americans: the fear of running out of money in retirement. As humans, we are wired to prioritize protection and survival, but letting this fear dictate your financial strategy can be counterproductive. Wes breaks down the research behind this common anxiety and introduces five actionable steps designed to eliminate financial dread and help you regain confidence in your long-term plan. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 3, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

TUE – Looking for a job? Clark says skilled work jobs – like mechanics, HVAC techs, electricians, plumbers, etc. - are abundant, pay well, and need workers!

MON – Are you facing some big medical bills? Clark explains why you should demand itemized hospital bills, so you don't pay for things that never happened! You could save thousands of dollars!

FRI – Clark looks at financial consultants, and has a tip on what you need to check for to make sure THEY are working for YOU!

THU – Clark looks at some popular crypto currency scams, and how you can protect yourself from them!

Many young adults recognize the value of early saving and investing long-term. But with 61% of this age group now trusting social media "finfluencers" for investing tips, it's more important than ever to distinguish between sound financial advice and sales pitches pushing “get rich” ripoffs and worse - conflating gambling with real investing.  Also today - Clark shares a recent story of a retired lawyer who lost $85,000 to scammers posing as Microsoft security, only to have his bank deny a refund. Con artists continue their rampant looting unabated, with ever increasing sophistication, and no one is immune. BUT, there are tells.  Learn their method of operation, how to verify account activity on your own terms, and how to protect your "keys to the kingdom" from the criminals leveraging your data against you. Finfluencers Vs The Real Thing: Segment 1 Ask Clark: Segment 2 Block The Con Job: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WPost- 61% of young adults trust social media investing tips. Should they? Ivestopedia - Investing: An Introduction Clark.com - Invest & Retire   /   Retirement Calculator What's the Best Savings Account for a Teenager? How To Open a Roth IRA Target Date Funds: Clark Howard's Favorite Retirement Investment Stock Analysis - Free Online Stock Information for Investors NYTimes: Tech Support Scammers Stole $85,000 From Him. His Bank Declined to Refund Him. Clark Howard's Take on the Chase Sapphire Reserve® Changes Should I Ditch My Southwest Airlines 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

WED – Thinking about buying a house? Clark shares some things to consider – besides location, schools, and that sort of thing, what are the area risks? Clark shares a tool that can help you identify area risks – like flooding, fires, etc.

Is the Middle Class Shrinking? & the Quiet Power of Dividend Growth The middle class is shrinking — but perhaps not for the reason you've been told. While headlines often paint a bleak picture of economic decline, the underlying data reveals a much more complex and surprising transformation. Wes Moss dives into the "missing" middle class, using recent data to uncover where those families have actually gone since 1979. Also, Wes pulls back the curtain on a hidden force in the stock market: the math of dividend durability. While many investors are distracted by flashy price targets, they are overlooking a component that has historically accounted for over a third of the market's total return. Wes breaks down why a company's dividend policy is one of the most reliable signals of financial strength and how the "quiet persistence" of dividend growth has consistently outpaced inflation for over sixty years. Mentioned on the show: Fee Only Network - Find A Financial Advisor What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Retirement Calculator Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 27, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

TUE – Clark looks at what happens to your old 401K's, and how you can consolidate those accounts to maximize your retirement savings.

MON – Clark looks at how “soft switching” your banking accounts from Big Banks to smaller local banks or credit unions over time may save you some banking fees and improve your banking services.

FRI – Want to make some updates or renovations on your home? Clark says this is the ONLY time, EVER, to use a HELOC (Home Equity Line of Credit), and if you do, you'll get a better HELOC interest rate at a credit union than you will a bank.

THU – Did you ever have an AFLAC account? A recent hack exposed millions of customers' data. Clark has a tip on what you need to do to protect your credit!

Clark dives into the predatory world of health insurance, where companies are under fire for "strategy-based" claim denials - and consumers are faced with outrageous hospital bills. Clark explains why and how you must self-advocate as a customer.  Also, as power bills surge due in large part to data centers, you're not a sitting duck. Clark argues that you shouldn't have to subsidize the energy needs of big tech, and explores the "secret weapons" available to homeowners and renters alike. Appeal Medical Denials: Segment 1 Ask Clark: Segment 2 Fight The Power (Bills): Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Should You Do if Your Insurance Claim Is Denied? Clark Howard and the Prostate Cancer Foundation How to understand a medical bill and EOB American Medical Association States & Territories How to Freeze Your Child's Credit The U.S. may have a secret weapon against rising electricity prices This startup is building a network of home batteries to help solve the grid's woes How To Save Money on Utilities What Are Solid-State Batteries, and Why Do They Matter for Electric Vehicles? Which Home Security Systems Rank Better Than Ring? Where Should I Set Up My Health Savings Account (HSA)? 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

WED – Mortgage interest rates are coming down. That means this is a good time to buy a home! But did you know – if you already have a mortgage, t's also a GREAT time to refinance at a lower rate!

Large Cap vs. Small Cap: Which Is Best? & Why Your Returns Don't Match the Headlines With the median S&P 500 company now valued at $35 billion and "Mega Caps" like Microsoft reaching the $3+ trillion mark, the scale of the market has reached levels that are difficult to even conceptualize. While large caps have dominated the last three years with returns, Wes highlights why investors shouldn't ignore small and mid-cap categories. With small caps currently catching up in 2026 and offering more attractive valuations, diversifying beyond the top 10 stocks in the S&P 500 is more critical than ever. Also, have you ever wondered why individual investors consistently underperform the broader market. While the S&P 500 has averaged a 13% return over the last decade, the average balanced investor has seen closer to 8%. Wes discusses the framework needed to stop chasing headlines and start building long-term wealth. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 20, 2026, Ask an Advisor episode of the Clark Howard podcast.. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

TUE – Have you seen those free cell phone ads? They're not free if they have a long-term contract attached! Clark has a tip on how to avoid that “free phone” trap, and actually save on your cell phone service!

MON – Americans are averaging more debt now than ever before. Clark shares a strategy to help you pay down your debt and start building your savings!

FRI – The tax filing window opens soon, and you could save a bundle by filings your taxes yourself – for free! IRS.GOV has a link to free tax filing resources.

The Retire Sooner Podcast welcomes Clark Howard alongside Wes Moss and Christa DiBiase for a special episode focused on market history, long-term investing principles, and today's most talked-about financial transitions. The conversation emphasizes context over commentary and highlights how investors often think through uncertainty, change, and market structure. • Highlight Clark Howard's perspective on Warren Buffett stepping down as CEO of Berkshire Hathaway at age 95 and the transition to Greg Abel. • Review Berkshire Hathaway's long-term role in markets and why its history is frequently referenced alongside the S&P 500. • Frame why long-term market participation is commonly emphasized during periods of leadership change at iconic companies. • Discuss why Clark Howard views this transition as the close of a defining chapter in modern investing history. • Explain how Berkshire Hathaway's conglomerate structure differs from traditional private equity, including transparency and fee considerations. • Examine growing market concentration and the shrinking number of U.S. public companies—and why those trends continue to matter. • Outline how exposure to both public stocks and privately held businesses is often discussed when considering diversification. • Summarize several big-picture themes shaping 2026 conversations, including artificial intelligence, tax-refund dynamics, and election-cycle uncertainty. • Clarify what “dry powder” means and how cash, money market funds, and select bonds are commonly described in retirement safety discussions. • Address listener questions by reviewing general considerations around investing settlement proceeds, tax-advantaged accounts, and dividend-oriented ETFs. This episode offers a thoughtful conversation featuring Clark Howard with Wes Moss, focused on long-term perspective rather than short-term reaction. Listen and subscribe to the Retire Sooner Podcast for ongoing discussions that bring clarity and context to retirement and investing topics. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today Clark shares an important warning about booking travel - info that could save you from becoming stranded or banned from a major airline. Also - Taking into account our current K-shaped economy, a softening job market, and inflation projections, Clark explains the potential for a “growth recession”, and gives you the classic playbook for an uncertain economy.   Travel Booking Alert: Segment 1 Ask Clark: Segment 2 Survive The Growth Recession: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Warning: The Hidden Danger of Cheap Flights How To Plan a Trip: Clark's Best Travel Tips To Save Money Travel Archives - Clark Howard   /   Today's Top Travel Deals Will TSA PreCheck® Still Be Worth It After New Rule Change? Clark Howard's Economy Predictions in 2026⁠⁠ Emergency Fund: Everything You Need to Know How To Save Money: Spend Less & Build Your Savings 17 Extreme Money-Saving Tips How Many Bank Accounts Should You Have? - 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Is It Time To Sell Berkshire Hathaway? & 5 Predictions for Investors in 2026 In this episode, Clark Howard and Wes Moss dive deep into the legacy of Warren Buffett and what the future holds for Berkshire Hathaway as it enters a new chapter. Wes breaks down the staggering math of Buffett's success, and Clark discusses the "jockey vs. the horse" theory, questioning if the company can maintain its magic without Buffett at the helm. Also, Wes provides his definitive 2026 market outlook by answering five critical questions for investors. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 13, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Are You Wealthy? Use These Numbers To Find Out & Simple Math Behind Millionaires Are you curious how your net worth compares to the rest of the country? Wes Moss dives into the latest data from the Federal Reserve's Study of Consumer Finances and top financial institutions to paint a clear picture of wealth in America today. Also, Wes helps to draw the roadmap for the next generation of millionaires. Inspired by the wisdom of the Clark Howard community, Wes outlines a simple, repeatable blueprint for financial freedom. By focusing on patience and the power of consistent contributions, reaching a seven-figure nest egg is more achievable than ever. Whether you are starting with $1,000 a month or aiming to max out your 401(k), we show you how a few decades of discipline can transform your financial future and put you on the path to becoming a "financial force of nature." Mentioned on the show: Retirement Calculator Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 6, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Dale Cardwell, TrustDALE, on Consumer Fraud Prevention and Choosing Trustworthy Service Providers (North Fulton Business Radio, Episode 931) On this episode of North Fulton Business Radio, host John Ray welcomes Dale Cardwell, consumer investigator and founder of TrustDALE. Dale moved to Atlanta in 1996 to work as Clark Howard’s producer at WSB-TV Channel 2, where he […]

Money-saving guru Clark Howard is here sharing his top-secret strategies airlines don't want you to know. We talk about clever booking hacks, algorithms, hidden deals, and the perfect time to strike. Learn more about your ad choices. Visit megaphone.fm/adchoices

Little-Known '3.6 Rule' for a Happy Retirement & Is the Job Market Good or Bad? Wes Moss dives into the critical connection between social capital and financial security, revealing a surprising "magic number" from his 2025 Money and Happiness in America Study. While most people focus strictly on their 401(k), the data shows that intentionality in your social life is just as vital as intentionality in your investments. Also, Wes breaks down the latest labor data to determine if the "Goldilocks" era of employment is here to stay. With the unemployment rate ticking up to 4.6%, Wes looks past the headlines to analyze the Employment-Population Ratio, which remains strong. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 30, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Secret to Affordable Healthcare & Will Mortgage Rates Go to 5% Soon? Wes Moss reveals a critical, little-known healthcare secret that can save early retirees, job-leavers, and other Americans thousands of dollars a month on medical coverage before age 65. Hear the incredible story of Rebecca, who thought she was stuck paying $2,500/month for COBRA but discovered a way to slash her premium to less than $200 through the ACA, thanks to enhanced subsidies. Wes walks through how to use free resources to save big. Also, Wes breaks down the latest Fed rate cut and explains why it may not mean cheaper mortgages. Mentioned on the show: Calculator: ACA Enhanced Premium Tax Credit National Association of Benefits and Insurance Professionals Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 23, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

How To Feel Good About Spending in Retirement & Big Changes to Your 2026 Taxes Are you a lifelong saver struggling to spend your retirement nest egg? You're not alone! Many people who successfully save a significant amount face a major psychological hurdle when it comes time to shift from an accumulation mindset to a distribution (spending) mindset. Wes Moss breaks down how to overcome the psychological barrier of watching your retirement balance go down and how to finally feel good about enjoying the money you worked so hard to save. Also, Wes tackles the most timely and impactful tax changes coming up, including a checklist of six critical actions to consider before the end of the year to potentially lower your tax bill for 2026. Mentioned on the show: How To Find and Choose a Financial Advisor  Best Financial Advisors in 2025 Year-End Tax Moves Worth Your Time IRS Announces New Tax Brackets and Other Changes for 2026 What Brokerage Do You Recommend for First-Time Investors or Kids? Uniform Transfers to Minors Act (UTMA): What It Is and How It Works Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 16, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on the show: Clark Howard joins us live. Jon Hewett from WWJ Radio updates the Michigan football coach story. Political Analyst Bill Crane. Live to D.C. updating the healthcare battle. Plus, comedian Taylor Williamson joins us live! 9am-noon on 95.5 WSB.

Today on the show: Clark Howard joins us live. Jon Hewett from WWJ Radio updates the Michigan football coach story. Political Analyst Bill Crane. Live to D.C. updating the healthcare battle. Plus, comedian Taylor Williamson joins us live! 9am-noon on 95.5 WSB.

Costly IRA Conversion Warning & the Hidden Billions Americans Are Leaving Behind In this episode, fiduciary financial advisor Wes Moss tackles a piece of financial advice that he calls "lunacy" and "insanity" – a recent Op-Ed arguing that retirees should convert their entire Traditional IRA to a Roth IRA in a single year. Wes explains why this academic advice is a dangerous real-world strategy, warning listeners about the potential for a massive tax bill that could reach hundreds of thousands of dollars. Also, Wes addresses a sinister issue in retirement savings: billions of dollars in "forgotten" 401(k) balances. Wes warns that this money is often parked in cash or a low-interest money market, missing out on decades of critical growth. Mentioned on the show: Forgotten 401(k) Accounts Are Costing Americans Billions in Lost Investment Gains Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 9, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

50-Year Mortgage: Game Changer or Gimmick? & the Key to Winning a 401(k) Wes Moss dives into the new 50-year mortgage, which he calls a gimmick but sees one potential benefit. Since ownership is key to financial security and the median home-buying age is rising, the concept of starting the equity journey sooner is good. However, Wes and Christa talk about a huge warning if you're considering it. Also, Wes shares a powerful story about the key to winning your 401(k). The story illustrates a real-life outcome for many Americans, emphasizing how a few years' delay or a few percentage points of savings are huge variables that compound over time. Mentioned on the show: Is Robinhood Gold Worth It? The Key to a Winning 401(k) Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the December 2, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Weekend! Please enjoy this Special Best Of Birthday episode from last June. Clark returns December 1st with new ways to Save More, Spend Less and Avoid Getting Ripped Off! About Clark Howard  +  A Special Birthday Edition of Clark Stinks    Today we celebrate Clark Howard's birthday and the many accomplishments he's inspired - starting with Clark's own telling of his life's trajectory into an ongoing mission of service. And in the second half of the podcast, a sampling of the many appreciations Clarkies sent in to celebrate him today. It may be Clark Stinks day, but on this Birthday he comes out smelling like a high dollar rose bought on sale!  About Clark: Segments 1 & 2 Clark Stinks-Special BD Edition: Segments 3 & 4 Mentioned on the show: About Clark Howard Clark Howard: Habitat for Humanity 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Ultimate Inheritance for Your Kids and Will AI Actually Create More Jobs? In this episode, Wes Moss shares the real-life story of a couple who is wrestling with the common parental dilemma of whether to pay off their son's significant student debt. While the urge to help is strong, Wes breaks down the financial reality, explaining why protecting your own retirement is actually the greatest act of love and generational generosity you can give your kids. Also, Wes shifts gears to the economy, diving into the fear that AI is taking all the jobs. Drawing on a comprehensive World Economic Forum report, he offers a surprisingly optimistic outlook: while some existing jobs will be displaced, the creation of an estimated 170 million new jobs globally will result in a substantial net gain. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 18, 2025, Ask an Advisor episode of the Clark Howard podcast.. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - A form of shrinkflation is affecting toys & electronics this holiday season, but there's something you can do about it, to save money. Also - Multiple generations living together used to be common in our country, but fell out of favor. Well, it's back. How do you navigate having your adult kids living in your home? Battery Shrinkflation: Segment 1 Ask Clark: Segment 2 All In The Family: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Gold Is at All-Time Highs. Should You Invest? (Clark.com) My 7 Rules for Using Credit Cards - Clark Howard This Clark Howard Credit Card Rule Could Prevent a Nightmare Scenario 7 Money Mistakes You Might Be Making at the Gas Station UGMA/UTMA 529 Plans: Benefits and Drawbacks Compared to 529s Best 529 College Savings Plans By State Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? Clark Howard's Simple Steps To Get Better Customer Service Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-527 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Top 10 'Overvalued' Cities and Second Act Career: A One-in-a-Million Story In this episode, Wes Moss dives deep into the housing market, revealing why it has become the most extreme buyer's market in a decade. Wes breaks down the latest data, pinpointing the top 10 "overvalued" cities that have the biggest seller-to-buyer imbalance, with some areas seeing over 160% more sellers. He also covers the updated list of the most and least expensive housing markets in the U.S. Also, Wes shares an incredible story about a one-in-a-million "second act" career. Meet Tom Cillo, a 58-year-old who is living out an unfinished purpose by playing college football. Wes shares how Tom's journey can motivate you to find fulfillment, connection, and a sense of purpose in your own "second act," proving it's never too late to pursue a dream. Mentioned on the show: WSJ - He's 58 and Trying to Break Into College Football. Is Basketball Next? Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the November 11, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

One decision you may be working on right now is where to stay during holiday or spring travel. Clark has some key advice if you're considering AirBnB or VRBO.   And - tomorrow is Veteran's Day. Clark shares advice and special warnings for those who have served our country. Airbnb & VRBO - New Rules: Segment 1 Ask Clark: Segment 2 Veterans Day: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes: Oops, You Broke Something at an Airbnb. What Now? Clark Howard's New Airbnb Rule to You Need To Follow 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Find Cheap Flights in 3 Easy Steps Google Flights Launches New Tool for Finding Cheap Airfare Military and Veterans Guide: Free Resources for Your Finances-Clark.com Job-seeking servicemembers: Avoid scams while you search Want to support veterans? 4 tips for finding good charities Veterans and caregivers: Recognize VA benefits overpayment scams How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Best Cash Back Credit Cards With No Annual Fee in 2025 Cash Back Credit Card Calculator - 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices