Podcasts about how does it work

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

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

How Does It Work?

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

In this episode of The Crypto Podcast, Roy sits down with Paul Brower, Director of Engineering at Casa — the gold standard in Bitcoin self-custody — where he leads a 12-person team building AI-first workflows to protect billions of dollars in Bitcoin. Before Casa, Paul spent seven years building the first FDA-approved digital pill software, was an early Bitcoin adopter since 2011 (including a Mt. Gox close call), and even spent three episodes on an MTV reality dating show. Paul breaks down how Casa's multi-sig self-custody system works (2-of-3, 3-of-5), how attackers are now using AI-powered spearphishing and deepfakes to impersonate support staff, and how cryptographic PIN verification protects users from social engineering. He also covers key loss prevention (health checks, hardware redundancy, YubiKeys vs. Trezor/Ledger), Casa's inheritance system for passing on Bitcoin securely, the risks of giving AI agents access to financial accounts, and why physical air-gapped hardware remains one of the strongest defenses against an increasingly AI-powered threat landscape. Video Chapters 0:00 – Introduction & Welcome 0:23 – Meet Paul Brower: Director of Engineering at Casa 1:20 – Reality TV Detour: Paul's MTV Dating Show Story 2:12 – Why Psychology + Computer Science? Understanding How People Work 2:55 – Building the FDA-Approved Pill with a Potato Battery 12:15 – Career Path: From Pegasystems to Springpad to Casa 15:59 – Bitcoin Since 2011: The Mt. Gox Days & Surviving Every Crash 27:27 – The Problem with PayPal (and Why Bitcoin Is Different) 12:15 – What Is Casa and How Does It Work? 16:01 – Casa's Multi-Sig Setup Explained: 2-of-3 and 3-of-5 Vaults 16:01 – AI-Powered Spear Phishing: How Attackers Are Targeting Crypto Holders 21:21 – Seed Phrases, Floods, Kids, and Why You Need Redundancy 29:23 – Cold Wallets: Trezor vs Ledger vs YubiKey — What Casa Recommends 33:01 – Casa Inheritance Planning: What Happens to Your Bitcoin When You Die? 39:01 – KYC, Privacy & Buying Bitcoin Without Giving Up Your Identity 41:23 – AI Agents + Bitcoin: The Most Exciting Frontier in Crypto Contact Details

The big banks are absolutely thrilled when you fall for the "cockroach" of personal finance myths: the completely false idea that you need to carry a balance and pay interest on your credit cards to build an excellent credit score. Not so. Clark explains. Also today, we face an unprecedented wave of sophisticated fraud, with online crime complaints officially surpassing one million for the first time. Driven by advanced AI, scammers are now launching highly realistic "spear-phishing" attacks using actual data breaches from hotels and cruise lines. If you get an urgent message claiming your upcoming hotel reservation can't be validated or that you owe more money on a cruise, do not take the bait. Stay vigilant, question unexpected requests for money, and always independently verify any urgent alerts regarding your travel plans or financial accounts. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 15, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Credit Card Myth: Segment 1 Ask Clark: Segment 2 Scams Gone Wild: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The #1 Mistake That Can Hurt Your Credit Score - Clark Howard Scammers Are Using Your Real Hotel Reservations for Spear-Phishing Attacks Carnival data breach affects nearly 6 million people | Travel Weekly New Scam Targets Microsoft Users, FBI Warns. Here's How to Protect Yourself How to spot a CAPTCHA scam We Can't Stop Falling for These 7 Scams. Here's How to Protect Yourself From Each One The Best Phone Plan For You – Compare Phone Plans What Is a 403(b) and How Does It Work? - Clark Howard  For Mint Mobile Plans and Pricing Details, click 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

Break through your keto or low carb plateau. Book a free call with Robert Sikes: https://www.ketobodybuilding.com/callConstipation can wreck your gut health, detox, energy, and results long before you notice the real problem. In episode 899 of the Savage Perspective Podcast, host Robert Sikes sits down with gut health expert Marina Ortega to talk about why you're still constipated and what to fix first. Marina shares how stress, dehydration, low electrolytes, laxative use, and poor drainage can keep the body stuck. They also cover colon hydrotherapy, coffee enemas, castor oil packs, parasite cleansing, black mold exposure, liver detox, GLP-1 constipation, bloating, and why men, athletes, and high performers should pay more attention to daily elimination.Follow Marina on IG: https://www.instagram.com/marinathepoopfairyGet Keto Brick: https://www.ketobrick.com/Subscribe to the podcast: https://open.spotify.com/show/42cjJssghqD01bdWBxRYEg?si=1XYKmPXmR4eKw2O9gGCEuQChapters0:00 - What Is the Gut Microbiome and Why Does It Matter?0:19 - Marina Ortega's 5-Year Battle With Chronic Constipation1:49 - How Stress and Dehydration Can Shut Down Digestion3:01 - Why Is Poop Still So Hard to Talk About?3:45 - Are Laxatives Making Constipation Worse?4:33 - How Often Should You Poop Each Day?5:38 - Constipation vs. Diarrhea: What Is Actually Normal?5:51 - When Does Constipation Become Dangerous?6:56 - How Black Mold Exposure Nearly Took Marina Down9:49 - The Hidden Black Mold Risk in Steam Rooms11:01 - What Is the Best Way to Test for Mold?13:18 - The Biggest Mistake People Make With Detox Cleanses15:20 - How To Open Your Detox Pathways First16:38 - How Do Coffee Enemas Actually Work?18:16 - Coffee Enemas vs. Distilled Water Enemas19:23 - Should Healthy People Do Detox Treatments?19:53 - Keto Brick Interruption20:43 - Why Coffee Enemas and Castor Oil Packs Are Back21:05 - What Is a Castor Oil Pack and How Does It Work?22:29 - Is Dehydration Causing Your Constipation?23:02 - How To Choose the Right Electrolytes23:41 - How Much Water Should You Drink Per Day?24:28 - Is Coffee Dehydrating You?25:13 - What Happens During Colon Hydrotherapy?26:01 - Colon Hydrotherapy vs. Enemas: What's the Difference?26:31 - Is Colon Hydrotherapy Safe?27:48 - Should Everyone Do a Parasite Cleanse?29:21 - How Often Should You Do a Parasite Cleanse?30:34 - Why Parasite Cleanses Can Make You Feel Worse First31:05 - What Comes Out During a Parasite Cleanse?32:17 - What Ingredients Kill Parasites?34:48 - Ancient Detox Remedies That Still Work36:10 - Are Castor Oil Packs and Parasite Cleanses Safe for Kids?36:57 - What To Expect After a Parasite Cleanse37:54 - Why More Men and Athletes Are Doing Gut Detox39:46 - How GLP-1 Drugs Can Cause Constipation40:28 - What's Next for Marina Ortega and Trust Your Gut41:47 - Why Liver Cleansing Is So Underrated42:17 - Can Extended Fasting Detox the Liver?43:10 - Where To Find Marina Ortega

Medicare brings peace of mind to millions of retirees, but for those with higher incomes, there's an added layer of complexity called IRMAA—the Income Related Monthly Adjustment Amount. If your modified adjusted gross income (MAGI) crosses certain thresholds, you may end up paying substantially more for your Medicare Part B and Part D coverage. In this article, we break down how IRMAA works, outline common scenarios that may unexpectedly raise your premiums, and offer actionable strategies to help you avoid unnecessary costs during your retirement years.   You will want to hear this episode if you are interested in... [02:14] How IRMAA works [04:09] IRMAA income brackets and premium increases  [05:43] General strategies and limitations for avoiding IRMAA [09:49] Managing Capital Gains and Medicare costs [10:41] Understanding the possibility of unexpected large gains pushing income higher  [12:37] Impact of spouse passing on taxes [14:54] Avoiding IRMAA surcharge   What Is IRMAA, and How Does It Work? IRMAA adds a surcharge to your standard Medicare Part B and Part D premiums if your income exceeds specific limits. The calculation uses your Modified Adjusted Gross Income (MAGI) from your federal tax return for the prior two years. For example, your 2026 Medicare premium is determined by your 2024 tax return figures. This "two-year lag" means financial decisions made today could impact your healthcare costs down the line. In 2024, the standard Part B premium is $202.90 per month. However, single filers reporting over $109,000 or married couples filing jointly above $218,000 pay $284 each per month, per person. Surpassing $137,000 (single) or $274,000 (joint) pushes your premium to $405.90—more than double the baseline. Part D premiums are also subject to surcharges, ranging from $14.50 to $91 per month at the highest income levels.   Seven Scenarios That Can Trigger IRMAA—and How to Prepare While some situations are unpreventable, being aware of these common scenarios can help you make informed choices and potentially minimize your IRMAA exposure.   1. Municipal Bond Income: Not as Tax-Free as You Think Many investors favor municipal bonds for their federal tax-exempt status. Unfortunately, while this income is absent from your regular AGI, it is added back into your MAGI when calculating IRMAA. If you're relying heavily on munis in retirement, this could unexpectedly inflate your Medicare premiums. Consider alternative investments or relocating those assets into accounts or vehicles where this income is shielded, like certain annuities, after consulting with a qualified financial advisor.   2. Capital Gains on Your Home Sale When selling your primary residence, you can exclude up to $250,000 of gain if single or $500,000 if married, provided you meet the two-out-of-five-years residency rule. Gains above these thresholds are taxable and count toward your MAGI. Good record-keeping for home improvements can help increase your cost basis and reduce the taxable gain, but there aren't many strategies to avoid this spike if a large gain is unavoidable.   3. Profits from Investment Property Sales Selling an investment property can generate significant capital gains. But unique to investment real estate, the IRS allows you to defer these gains through a 1031 exchange—selling one investment property and reinvesting the proceeds into another. This move postpones the tax hit and the associated IRMAA impact, possibly indefinitely if you use the stepped-up basis at death.   4. Surprise Mutual Fund Capital Gains If you own mutual funds outside retirement accounts, unexpected capital gains distributions from within the fund (for example, after large stock sales like Apple) could spike your MAGI. To mitigate this, consider shifting from mutual funds to individual stocks, bonds, or exchange-traded funds (ETFs), which typically generate fewer surprise capital gains.   5. Roth Conversions are Great for Taxes, But Be Careful While Roth conversions can be powerful tax strategies, converting a sizable sum from a pretax IRA to a Roth IRA counts as income for IRMAA purposes. Carefully plan the size and timing of conversions to avoid pushing yourself into a higher premium bracket without realizing it.   6. The Financial Impact of Losing a Spouse Widowhood or widowerhood can be doubly difficult; not only do you suffer personal loss, but your filing status shifts to single, drastically lowering the income thresholds for IRMAA. If you expect changes in income or status, make proactive plans with your advisor to help smooth your MAGI.   7. Large, One-Time Retirement Account Withdrawals Big withdrawals from IRAs or 401(k)s—perhaps to buy a car or fund a vacation home—could catapult your income into a higher IRMAA tier. Consider spreading large purchases over several years or evaluating alternative financing options to keep retirement account withdrawals more manageable.   Small Decisions Add Up While IRMAA might not be avoidable for everyone, being strategic about income sources, withdrawals, and investment choices can reduce surprises and keep more of your retirement income where it belongs—with you. Always consult with a financial advisor familiar with your unique situation before making significant financial moves. Keep your knowledge current and your planning proactive to support a more cost-effective retirement.   Resources Mentioned   Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  2026 Medicare Part B Premium Surprises, #282 7 Ways to Lower Your Income and Avoid the IRMAA Medicare Surcharge, #142 Mistakes To Avoid During Medicare Open Enrollment with Danielle Roberts, #229      Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan  

Considering entrepreneurship via buying a franchise? Clark shares his most important rule before investing your hard-earned money: go work for that franchise first. Instead of relying on the sales pitch, spend several months on the job learning how the business really operates, what challenges owners face and whether the opportunity lives up to the promises. Taking this important step could save you from making a costly mistake and help you become a smarter entrepreneur. Also, Clark discusses the expansion of TrumpRx, a government prescription price comparison resource that now includes hundreds of additional generic medications. With prescription costs keeping many Americans from filling the medications they need, Clark reviews several ways to save money on prescriptions, including Costco, Sam's Club, Amazon Pharmacy, Walmart, Mark Cuban's Cost Plus Drugs and charitable programs that may provide free medications. He also explains what to do if you need an expensive brand-name medication and can't afford it, including exploring manufacturer patient assistance programs that could help lower your costs. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 1, 2026, episode of The Clark Howard Show.  Submit your questions: Ask Clark. Please note: No new episode on Friday. We wish you a safe and Happy Independence Day! Franchise Entrepreneurs: Segment 1 Ask Clark: Segment 2 New Savings On Meds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Advice Before You Buy a Franchise What Is a 403(b) and How Does It Work? - Clark Howard 6 Things To Know Before Contacting the National Foundation for Credit Counseling 10 Ways To Save on Prescription Drugs - Clark Howard  How Can Discount Drug Apps Offer Such Big Savings on Prescription Medications? These Pharmacies Offer $4 Prescriptions - Clark Howard How To Comparison Shop Drug Prices Before Your Doctor Sends in a Prescription Will Mark Cuban's Prescription Company Really Save You Money?  What Is Disability Insurance and How Does It Work? - Clark Howard How To Buy Term Life Insurance in 7 Easy Steps - 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

Just DAO It | Ep. 2 — Kenny from poidh.xyz on Bounties, DAOs & AI AgentsAdam Miller (CEO of MIDAO) sits down with Kenny, founder of Pics or It Didn't Happen (poidh) — a permissionless bounty protocol the enables "ephemeral DAOs.” They break down the biggest crypto hacks of the past few months, the state of crypto regulation in the US and Europe, the reality of AI agents transacting on-chain, and why Kenny thinks the DAO model has been wrong from the start.Chapters:0:00 — Intro & Welcome Back (first episode in over a year!)1:55 — News: Record-Breaking Crypto Hack Month ($600M+ lost in April)5:42 — The Kelp/LayerZero Attack Explained13:21 — The Trapdoor Campaign: AI Agents as Attack Vectors17:21 — US Crypto Regulation: Genius Act, Clarity Act & Open Source Immunity22:13 — MiCA in Europe: 85% of Firms Without a License28:04 — 400K AI Agents On-Chain: Impressive or Just Testing?37:16 — Interview: Kenny's Background & How He Got Into Crypto44:07 — Deep Dive: What Is POIDH and How Does It Work?48:05 — A Brief History of DAOs and Why They Failed56:00 — The "Atomic Unit" of a DAO: Objectives, Not Organizations1:03:24 — Progressive Decentralization & Token Strategy1:07:04 — Working With DAOs: The Haberdashery & Breaking a Kickflip World Record1:13:35 — Pump.fun Launches Bounties: What It Means for POIDH1:16:19 — The Big Vision: Online Communities Pooling Capital IRL1:16:47 — Where to Find Kenny & POIDHLinks:* poidh: poidh.xyz* MIDAO: midao.org* Beta Briefing (AI news agent): betabriefing.ai* Kenny on X/Twitter: @KennyIsTyping | Farcaster: @Kenny* Adam on X/Twitter: @0xThriller | Farcaster: @TheThrillerNot legal or financial advice.

Why are some of the world's oldest healing practices suddenly exploding in modern wellness culture? In this episode, host Doug welcomes Dr. Tom Ingegno, a nationally recognized Doctor of Acupuncture and Chinese Medicine with over two decades of clinical experience. As the founder of Charm City Integrative Health in Baltimore, Dr. Tom blends time-tested Eastern therapies with cutting-edge modalities like cryotherapy and red light therapy to reshape how we approach healing. Doug and Dr. Tom dive deep into the mechanics and history of cupping therapy, tracing its roots from grandmother's home remedies to a universal phenomenon shared across ancient Aztec, Incan, and Egyptian cultures. They explore how these traditional methods tap into a Jungian collective consciousness and how quantum physics is finally proving what Taoist masters illustrated 9,000 years ago. The conversation then shifts to the profound role of intuition and discernment in modern life. Dr. Tom shares how a dedicated, multi-decade meditation practice allowed him to cultivate clinical intuition—bypassing rigid textbook theory to read the subtle, energetic cues of his patients. Finally, the two pull back the curtain on the modern information landscape, offering sharp advice for men on how to develop the inner authority needed to spot fake AI content, manipulative health marketing, and the traps of the "shortcut" culture. Connect with the Guest – Dr. Tom Ingegno, DACM Instagram: https://www.instagram.com/acuguy Youtube: https://www.youtube.com/@CharmCityIntegrative Linkedin: https://www.linkedin.com/in/baltimoreacupuncture Website: https://www.charmcityintegrative.com Books: The Cupping Book (2024) & You Got Sick, Now What? Connect with Doug Beitz: Email: info@dougbeitz.com Facebook: https://www.facebook.com/dougbeitz/ Instagram: https://www.instagram.com/dougbeitz/ Website: https://buymeacoffee.com/dougbeitz Spotify: https://open.spotify.com/show/6mQ258nugC3lyw3SpvYuoK?si=7cec409527d34438 Apple Podcasts: https://podcasts.apple.com/au/podcast/intuitive-conversations-with-doug/id1593172364 LinkedIn: https://www.linkedin.com/in/doug-beitz-472a4b338/ TikTok: https://www.tiktok.com/@dougbeitz178

The Pleasure Zone with Milica Jelenic - Diamond Host What if bondage is about more than ropes, cuffs, or restraint? For many people, consensual bondage can create a unique pathway to nervous system regulation, helping the body shift out of stress and into a state of presence, trust, and connection. When practiced safely and consensually, bondage can help quiet mental chatter, increase body awareness, and create a container where participants feel held, supported, and focused on the present moment. We'll look at the science behind stress responses, the role of trust, and why surrendering control can sometimes feel deeply restorative. Whether you're curious about bondage, already exploring it, or simply interested in nervous system health, this conversation offers insights into the intersection of pleasure, psychology, and well-being. In this episode we will discuss: Who Benefits? How Does It Work? Where Can It Be Practiced Safely? Why Does It Feel Calming? Join Milica Jelenic, Holistic Health Practitioner and Sex & Intimacy Coach on this episode of The Pleasure Zone where we will look at "Bondage & The Nervous System." Grab your Yes, No, Maybe list - all about Playful Tips for Pleasure here    The Pleasure Zone – A Guide For Curioius Pleasure Seekers Inspired Choices Network Hosts Author Milica Jelenic   Amazon.com – https://www.amazon.com/dp/1997615401 Amazon.ca – https://www.amazon.ca/dp/1997615401     ~ More About The Pleasure Zone ~ Milica Jelenic is a Sex & Intimacy Coach. What is pleasure? Have you ever noticed that what is pleasing to one body is not necessarily pleasing to all bodies? What if our bodies like to be pleasing and to gift pleasure to others and to receive pleasure? In this show we will explore the world of pleasure. If your body was sensing pleasure more often would your life have more ease? We start out with magical little bodies that turn on everybody. Babies are always having people come up to them and compliment them on their beauty and get really excited to be in their presence. What would the world be like if we stopped judging ourselves, our bodies and others? How much more fun, joy and pleasure is possible on this planet if we choose to be explorers? Whose ready for an adventure??? Milica Jelenic is an advocate for pleasure. In her private practice she invites clients to create life and lifestyle that offers more pleasure and vitality. Milica's intuitive ability to sense where change is possible and to question what is stuck in the target area creates a very dynamic session that promotes choice, possibility and change.   Milica has impacted the lives and health of individuals both in Canada and abroad with her humor, kindness, gentleness, potency and intensity. Milica's approach is playful, fun and direct. Milica is willing to be whatever energy and space is required for the change you desire.   If you are interested in receiving Milica' monthly newsletter about events, classes and information on booking private sessions send and e-mail through her website.  www.milicajelenic.com/ To get more of The Pleasure Zone with Milica Jelenic, be sure to visit the podcast page for replays of all her shows here: https://www.inspiredchoicesnetwork.com/podcast/the-pleasure-zone-milica-jelenic/

Clark's teaching mission has always focused on getting you to save every dollar you can for retirement, especially when you can “set it and forget it” through automatic contributions. It's the best way to achieve financial freedom. Smart new initiatives are helping Americans save more:  Automatic Retirement Savings Programs.   Meanwhile, if you feel like your paycheck isn't going as far as it used to, you're right. Comparing what everyday items cost 30 years ago versus today, the math explains why so many hardworking Americans feel completely squeezed. Critical pillars of the American dream have skyrocketed. Check out the link below to calculate your own inflation reality and see how to make your dollars work harder for you. Inflation Calculator - Clark.com Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 10, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark  Automatic Retirement Savings: Segment 1 Ask Clark: Segment 2 Calculating Inflation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The Washington Post] A better way to make saving money easier What Is a 403(b) and How Does It Work? - Clark Howard How I Set My Teens Up for Retirement in 5 Minutes Here's What 26 Everyday Things Cost In The 1990s Vs. 2026 Inflation Calculator - Clark.com Dacia Cars - Good Thinking - Dacia Chase - Payment Choices Matter 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

In this special birthday episode, Suzanne reflects on turning 59 and shares some of the greatest lessons she has learned from caring for more than 1,000 people at the end of life and training over 400,000 people to care for the dying. What do those nearing the end of life teach us about how to live? Again and again, they remind us that time is our most precious resource. They remind us not to wait to become who we came here to be. They remind us that purpose matters. Love matters. Presence matters. Suzanne shares why she has come to view each day as its own lifetime—an opportunity to show up fully, love deeply, serve meaningfully, and not miss the gift of being alive. She also shares her birthday wish for the coming year: to help train another 100,000 people through the free Doulagivers Level 1 Family Caregiver Training so that more families around the world feel prepared, empowered, and supported through caregiving, end-of-life, and grief. This episode also celebrates the return of the Good Death Seminar Series—a transformational 12-month educational series designed to bring death literacy, empowerment, and sacred understanding back into our communities. Because when we bring back the sacredness of death, we bring back the sacredness of life. In This Episode Why time is our most valuable commodity The powerful lessons learned from those at the end of life How living with purpose changes everything Suzanne's birthday wish for the coming year Why every family deserves end-of-life education The return of the Good Death Seminar Series How restoring death literacy helps restore humanity The movement to return to Sacred Dying, Sacred Grieving, and Sacred Living The Good Death Seminar Series 2026–2027 June 11, 2026 How Did We Get Here? How did death become the number one fear in our world? Exploring what we've forgotten and how we can remember. July 9, 2026 What Is Hospice Care and How Does It Work? Understanding hospice, the Hospice Gap, and how families can bridge it. August 13, 2026 Advance Directives and POLST Forms What they are, how they work, and what you need to know to make your wishes legally actionable. September 10, 2026 Choosing a Healthcare Proxy The language we often get wrong and how to select the right person. October 8, 2026 Quality of Life Defining what quality of life means to you and why it should guide your healthcare decisions. November 12, 2026 The 9 Essential End-of-Life Questions The conversations and decisions that create peace of mind. December 10, 2026 Having the Family Conversation How to discuss end-of-life wishes and why this may be one of the greatest gifts you ever give your loved ones. January 14, 2027 When Families Don't Agree Navigating conflict and differing opinions around end-of-life care. February 11, 2027 The Three Most Common End-of-Life Phenomena What people around the world report experiencing at the end of life and what it may mean. March 11, 2027 Home Wakes, Home Funerals, and FUNerals Exploring family-centered after-death care and celebration. April 8, 2027 Green End-of-Life Options Natural burial, water cremation, human composting, and emerging choices. May 13, 2027 Grief and Bereavement The truth about grief, healthy bereavement, and how to talk with children about death. All seminars are held live on Zoom. Space is limited and registration is required for each individual session. A Birthday Wish If this message resonates with you, please help make Suzanne's birthday wish come true. Share the free Doulagivers Level 1 Family Caregiver Training with your family, friends, healthcare professionals, faith communities, and social networks. Education changes fear into understanding. Understanding changes experience. Experience changes lives. Together, we can create a world where no family faces end-of-life alone. Resources Free Doulagivers Level 1 Family Caregiver Training The award-winning training that has helped hundreds of thousands of people around the world feel more prepared for caregiving, end-of-life, and grief. Save your seat here: https://www.doulagivers.com/monthly-free-class-register The Good Death Seminar Series Join us for this transformational 12-month journey into death literacy, end-of-life planning, and sacred living. https://thegooddeathbook.com/the-good-death-seminar-series/ Connect with Suzanne Website: https://www.suzannebobrien.com Doulagivers Institute: https://www.doulagivers.com Get the Book: The Good Death Here "Bringing back the sacredness of death brings back the sacredness of life."- and THIS is how we change the world! Xo Suzanne 

Friday - Clark Stinks day! Lane (Clark's wife!)  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also today - A shocking 81% of consumers admit to routinely making impulse buys. But while small impulse buys hurt your weekly budget, there is one major lifestyle purchase that can absolutely sabotage long-term wealth: our second biggest purchase in life - a vehicle. The average cost of a car has climbed to a whopping $50,000, yet we still get tired of our rides and cycle through them too quickly. By making a single change to how, what, and how often you buy an automobile over your working lifetime—and investing those savings into the stock market instead—you could easily put an extra $250,000 directly into your pocket by the time you retire. Use our Wealth Impact Calculator to turbocharge your retirement savings today:  All this and more on the May 29, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Car Buying & Your Retirement: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an HSA Account and How Does It Work? - Clark Howard Is a 401(k) Loan a Good Idea? Almost Never - Clark Howard 401(k) Loan Calculator - Clark Howard Why Does My Locked Credit Card Still Allow Charges? - Clark Howard Lost Your Credit Card? How To Place a Temporary Freeze on Your Account How To Get a Gym Membership for Practically Free - Clark Howard  USA TODAY: Why you keep impulse buying, even when broke A Single Change to Your Car-Buying Habits Could Add $250,000 to Retirement Calculator: Wealth Impact of Buying Cars  The Best Car-Buying Services - Clark Howard Do I Need a Mechanic Inspection When Buying a Used Car from CarMax or Carvana? 5 Best Places To Buy Pet Medicines - 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

For this week's episode, host Daniel Raimi is joined by Lauren Dunlap, a project manager at the University of California, Los Angeles, Luskin Center for Innovation—and a former staff member at Resources for the Future. Dunlap describes exciting developments in electrification policy in California, where heat, pollution, and energy costs make the issue as topical as ever. A piece of legislation in California known as Senate Bill 1221 addresses the high financial costs of home electrification jointly with emissions reductions. The bill is novel, Dunlap notes, because it engages a cost-effective solution that directs savings from gas pipelines toward funding electrification. Implementation of the bill will involve efforts to support communities in navigating the unknowns of electrifying a home and aims to help mitigate issues at the intersection of climate change and energy infrastructure. References and recommendations: “Understanding Neighborhood Decarbonization in California: What Do We Know About Senate Bill 1221?” by Sooji Yang, Lauren Dunlap, and Gregory Pierce; https://innovation.luskin.ucla.edu/publication/understanding-neighborhood-decarbonization-in-california-what-do-we-know-about-sb-1221/ “California Has a Neighborhood Decarbonization Law. How Does It Work?” by Sooji Yang, Lauren Dunlap, Elias van Emmerick, and Gregory Pierce; https://legal-planet.org/2026/04/08/california-has-a-neighborhood-decarbonization-law-how-does-it-work/ “Streamlining Home Electrification in the Gateway Cities” by Lauren Dunlap, Sooji Yang, and Gregory Pierce; https://innovation.luskin.ucla.edu/publication/streamlining-home-electrification-in-the-gateway-cities/ “Impacts of Household Electrification on Energy Affordability in Los Angeles” by Lauren Dunlap, Rachel Sheinberg, Will Callan, Samantha Smithies, and Gregory Pierce; https://innovation.luskin.ucla.edu/publication/impacts-of-household-electrification-on-energy-affordability-in-los-angeles/ The Los Angeles Residential Energy Transition Tool (LA RESET Tool) from the Luskin Center for Innovation; https://innovation.luskin.ucla.edu/the-los-angeles-residential-energy-transition-tool/ “Avoiding Gas Distribution Pipeline Replacement Through Targeted Electrification in California” by Sean Smillie, Dan Alberga, Aryeh Gold-Parker, and Dan Aas; https://www.ethree.com/wp-content/uploads/2024/06/Gas-Decommissioning-Fact-Sheet-2024-06-18.pdf “California Burning” by Katherine Blunt; https://www.penguinrandomhouse.com/books/670012/california-burning-by-katherine-blunt/ “Hoppers” movie; https://en.wikipedia.org/wiki/Hoppers_(film) Subscribe to stay up to date on podcast episodes, news, and research from Resources for the Future: https://www.rff.org/subscribe/

The UK has the talent, the capital, and the financial infrastructure. So why are Bitcoin founders still hesitating?Ben Cousens — Chief Strategy Officer at ZBD, co-founder of Antidote, and one of the few people who's been backing Bitcoin businesses from inside venture capital — joins Jordan on the rooftop at Antidote's Hatton Garden space to get into it.

Health care costs in America have reached a breaking point, with many being forced to drop costly medical insurance entirely. But whether you're insured or paying out of pocket, you have more power than you think. Today, Clark discusses a key practice you can incorporate to help  manage the high cost of health care. Also, we are currently in a period of intense retail instability. Clark explains how your gift cards can become worthless overnight, so in the interest of not wasting money - Clark has an urgent assignment for joyful spending - of gift cards that is.  Healthcare Cost Strategy: Segment 1 Ask Clark: Segment 2 Use Or Lose Gift Cards Stat: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Health care sticker shock has become the norm, but talking to your doctor about costs can help you rein it in — The Conversation⁠ What Is an HSA Account and How Does It Work? - Clark Howard Are Extended Warranties Ever Worth It? - Clark Howard How to Freeze Your Child's Credit - Clark Howard Why You Need To Use Your Gift Cards ASAP - Clark Howard 10 Secrets All Shoppers Need To Know About Costco - Clark Howard Ting: Fire Prevention & Power Outage Alerts How To Lower Your Property Taxes in 4 Steps - 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - While the widespread adoption of security cameras has revolutionized public safety, their application is spurring privacy debate throughout the country.  The rules of engagement for our data are dangerously lacking. It's time to demand clear state and local laws that delineate how this data is stored and shared, especially when private businesses are involved.  Clark Stinks: Segments 1 & 2 Security Camera Privacy Backlash: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Simple Trick To Pay Down Credit Card Debt Quicker - Clark Howard How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should I Freeze My Credit With the Other Credit Bureaus? Privacy vs. Protection: Where Should We Draw the Line on Security Cameras? What Is a Roth 401(k) and How Does It Work? - Clark Howard Target Date Funds: Clark Howard's Favorite Retirement Investment How To Choose Funds in Your 401(k) (and How Not To) Fidelity Investments Review: Pros & Cons - Clark Howard Best 529 College Savings Plans By State Life Insurance 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

A fast food chain integrated Bitcoin payments in a matter of weeks, and same-store sales went up 10%. That's not a marketing stunt. That's the flywheel starting to turn.Will Reeves, CEO of Fold, joins Jordan to break down what Bitcoin adoption actually looks like for businesses right now — and why the companies moving early are building advantages that will be almost impossible to close later.

Why Retirement Confidence Is Plunging & Fiduciary vs. Financial Advisor Wes Moss breaks down a troubling shift in the American economy: the rapid decline of retirement confidence. Drawing on three decades of data from the Employee Benefit Research Institute (EBRI), Wes highlights a staggering trend where worker confidence has dropped in 2026. This pessimistic outlook is mirrored by the University of Michigan Consumer Sentiment index, which has hit an all-time historical low. Wes identifies the primary culprit. Also, Wes tackles the crucial question of who you should trust to manage your money during these uncertain times. He demystifies the industry by comparing financial advisors to peppers in a grocery store: while they may look identical on the outside, their "heat" levels vary wildly. Wes discusses why transparency is key and provides actionable advice on how to check your advisor's contract to ensure your investments are working for you, not for your advisor's bottom line. Mentioned on the show: WSJ - America's Most Tortured Retirement Regulation Is Struck Down (Again) How To Find and Choose a Financial Advisor Best Financial Advisors in 2026 - Clark Howard What Is a Fiduciary Financial Advisor and Do I Need One? What Is an HSA Account and How Does It Work? - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 28, 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. Visit megaphone.fm/adchoices

Is the smartphone the greatest educational tool ever created? In today’s episode, Kelly counters Dr. Peter Gray’s claim, arguing that smartphones provide information and convenience, which are not the same as education. Even if you don’t define education as structured, systematic instruction by adults, the smartphone still isn’t a tool that positively shapes a child’s character, work ethic, and spiritual wisdom. Books referenced: The Digital Delusion: How Classroom Technology Harms Our Kids' Learning and How to Help Them Thrive Again Product referenced: Leap Frog Magical Adventures Globe Articles referenced: Helping Kids (and Ourselves) Use Smartphones Safely Self-Directed Education: What Is It and How Does It Work? What does the Bible say about Education? Cambridge Dictionary: Education Scripture referenced: Proverbs 1:7 Proverbs 18:15 1 Corinthians 8:1 Acts 22:3 Acts: 17:28 Titus 1:12 1 Timothy 1:16 2 Timothy 3:7 Psalm 1:2 James 1:5 Jeremiah 17:9 Need a kids-safe phone? Pinwheel is our favorite! Book a Speaking Event!! Buy the NEWLY UPDATED book: Managing Media Creating Character (2024 Revised & Updated) Get Kelly’s new Study Guide & Workbook, with video teachings for small groups. Check out our brand new Brave Parenting Merch Sign up for the Brave Bullet Points newsletter! This helps us communicate what’s happening without social media – a win for everyone!

Adjustable-rate mortgages (ARMs) are booming again, but Clark has a major warning: this "oldie but baddy" could be a financial time bomb. Clark breaks down why banks are pushing ARMs, who they actually work for (a narrow group indeed), and the "reset" risk that could cost you your home. Also, health insurance has become insanely expensive. Many Americans are skipping meals just to pay for healthcare. Clark discusses why catastrophic-only plans are a dangerous gamble and identifies the real culprit behind our skyrocketing medical bills.  Danger: Adjustable Rate Mortgages: Segment 1 Ask Clark: Segment 2 High Deductible Health Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Adjustable-Rate Mortgages Are Popular Again – Here's Why You Need To Be Careful NYTimes: A Third of Americans Have Cut Spending or Borrowed Money for Health Care NYTimes: New A.C.A. Plans Could Increase Family Deductibles to $31,000 What Is an HSA Account and How Does It Work? - Clark Howard How to Deal With Medical Debt - Clark Howard Will Mark Cuban's Prescription Company Really Save You Money? 10 Ways To Save on Prescription Drugs - 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today -  if you have been considering doing a renovation or adding an ADU to your home - is now the right time?  There's been a general shift in the market.  Clark Stinks: Segments 1 & 2 Home Improvement: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Solo 401(k) and How Does It Work? - Clark Howard What Is an HSA Account and How Does It Work? - Clark Howard HSA vs FSA: What's the Difference? - Clark Howard Is Now a Good Time To Refinance Your Mortgage? - Clark Howard Clark Howard's Special Rule for Refinancing Your Mortgage Axios: Home Depot flags rising unease among homeowners [The WP] Your backyard could be a home. Here's how to build one. 16 of the Best High-Yield Online Savings Accounts High-Yield Savings Account (HYSA) Calculator - Clark Howard Is Your Home Underinsured? - Clark Howard Homeowners Insurance 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

FEBRUARY 18       Relocating Overseas  /  Debt Trap Exit Strategies Some of you listening right now may be living abroad, temporarily or indefinitely. There is an increasing desire to experience life overseas, and some countries are paving the way. Clark discusses relocation incentive programs and other considerations vital to the life changing decision to move abroad. Also - if you have credit card debt, Clark has some strategies to pay it off sooner and keep yourself as debt free as possible moving forward.  Moving Abroad: Segment 1 Ask Clark: Segment 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Countries That Will Pay You To Move How To Pack a Carry-On the Right Way - Clark Howard What Is an HSA Account and How Does It Work? - Clark Howard What Is an Annuity, and Why Does Clark Think They Stink? Simple Trick To Pay Down Credit Card Debt Quicker Best Balance Transfer Credit Cards: Top Picks for 2026 Debt Archives - Clark Howard How To Get Out of Debt in 7 Steps - Clark Howard Credit Card Debt Consolidation: 3 Paths To Consider, 2 To Avoid These Are the Biggest Scams That Cost Seniors the Most Money CELL PHONES - 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

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

On this episode of Vitality Radio, Jared is joined once again by homeopathic consultant Amanda Kotter of Elemental Health to demystify one of the most misunderstood natural medicine systems: homeopathy—specifically how it's used safely and effectively with children. Parents often feel unsure about homeopathic remedies because of unfamiliar names, unusual potencies, and misconceptions about strength and safety. In this conversation, Jared and Amanda simplify the process by walking through a short list of essential remedies every parent should understand. You'll learn when and why remedies like Ferrum Phos, Mag Phos, Aconite, Chamomilla, and Arnica are commonly used for kids, how to think about potency without getting overwhelmed, and why homeopathy is often a gentle first step rather than a last resort. This episode is practical, approachable, and designed to help parents feel confident using homeopathy in real life. Products:Build your own Kids Remedy Kit: Choose any 5 products from this Collection and automatically receive 20% off through February 26, 2026.Vitality Radio POW! Product of the Week: Source Naturals Screen Time Stamina 50% Off! PROMO CODE: POW25Additional Information:#509: New! Vitality Nutrition Homeopathic Consultations with Amanda Kotter#393: What Is Homeopathy and How Does It Work? With Guillaume LoisTo schedule your Homeopathy Consultation with Amanda:Email Amanda@vitalitynutrition.comCall/Text 801-388-4133Elemental Health ClinicElemental Health InstagramVisit the podcast website here: VitalityRadio.comYou can follow @vitalitynutritionbountiful and @vitalityradio on Instagram, or Vitality Radio and Vitality Nutrition on Facebook. Join us also in the Vitality Radio Podcast Listener Community on Facebook. Shop the products that Jared mentions at vitalitynutrition.com. Let us know your thoughts about this episode using the hashtag #vitalityradio and please rate and review us on Apple Podcasts. Thank you!Just a reminder that this podcast is for educational purposes only. The FDA has not evaluated the podcast. The information is not intended to diagnose, treat, cure, or prevent any disease. The advice given is not intended to replace the advice of your medical professional.

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also in this episode, Clark shares a narrow set of strategies for becoming a landlord successfully in today's fraught housing market. To determine if a property is a viable investment, know the classic 1% rule. Clark Stinks: Segments 1 & 2 Investment Real Estate: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Sell, Cancel or Get Rid of Your Timeshare How To Make Your Venmo Transactions Private Homeowners Insurance Archives - Clark Howard Teslarati: Tesla partners with Lemonade for new insurance program 10 Things Homeowners Insurance Doesn't Always Cover How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Should You Invest in a Rental Home? Here's Clark's 1% Rule What Is a Solo 401(k) and How Does It Work? Roth vs. Traditional 401(k): What's the Difference? What Is a SEP IRA and Who Is Eligible? What Is the Highest Credit Score? 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

When your website stops working at 3 AM, you need to answer one question fast: Is it my code or is a big cloud provider having problems? Omri Sass from Datadog explains updog.ai, a tool that monitors whether major services like AWS, CloudFlare, and others are actually working. Instead of asking people to report problems like Down Detector does, updog uses real data from thousands of computers to detect when services go down. Omri shares why this took 6 years to build, how they process massive amounts of data with machine learning, and why cloud providers have been strangely upset about these tools existing.About Omri: Omri Sass is a Director of Product Management at Datadog, where he leads and supports a team of 25+ product managers driving initiatives across Bits AI SRE, Data Observability, Service Management, and most recently, the launch of updog.ai. Outside of work, Omri is an avid sci-fi reader, a dedicated yoga practitioner, and happily outmatched by his cat.Show Highlights:(02:12) What is Updog and How Does It Work(03:38) Why Knowing If It's a Global Problem Matters(04:01) The Problem With Testing Every Endpoint Yourself(05:52) How Datadog Discovered EC2 Outages From Their Own Systems(10:38) When AWS Regions Go Down and Cascade Failures(13:13) What Happens When Services Rebuild Completely(16:29) The Most Important Learning During a 3 AM Incident(20:11) Why This Took So Long to Build(23:40) When Datadog Going Down Isn't Critical Path(25:22) How They Picked Which AWS Services to Monitor(27:07) What Comes Next for Updog(30:11) Where to Find Omri and UpdogLinks: Datadog: datadoghq.comOmir's LinkedIn: https://www.linkedin.com/in/omri-sass-65632a14/Sponsored by: duckbillhq.com

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also in this episode, the job market is in a lower gear as businesses continue to lay off employees and slow hiring. Clark's take? There's an opportunity in the marketplace. If you've been laid off or you feel anxious about your job right now, consider Clark's perspective as a lifelong entrepreneur.  Clark Stinks: Segments 1 & 2 When 1 Door Closes…: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 7 Money Mistakes You Might Be Making at the Gas Station Is Now a Good Time To Refinance Your Mortgage? Why You Should Avoid These Free Offers From Verizon, AT&T and T-Mobile The Best Cell Phone Plan Deals in January Top 7 Ways To Shop Safely Online Costco Travel: 5 Things To Know Before You Book 5 Things to Know About the Costco Car Rental Program SCORE: Free Small Business Mentorship and Resources What Is an HSA Account and How Does It Work? Where Should I Set Up My Health Savings Account (HSA)? The best deals on TVs available now! Report: The #1 Internet Provider in America Internet Price War: Why Now Is a Good Time To Threaten To Cancel 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

Clark makes no secret of his obsession with fitness trackers. Nerd Alert: He wears three. But there's new data that proves he's just being, well - Clark Smart. We're moving into an era where more devices can be monitored by healthcare providers, to potentially save lives - A true case of knowledge is power. Also, homeowners with a lot of equity can be sorely tempted to tap into that money. But when is this type of debt appropriate? And what are the best borrowing options? Clark explains the difference between a home equity loan and a HELOC in a period of lower interest rates. The New Power of Fitness Trackers: Segment 1 Ask Clark: Segment 2 The Home Equity Decision: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Apple Watch data teamed with AI reveals heart damage Why Does Clark Howard Wear 2 Watches? Why Clark Howard Is So Excited About His Wedding Band KardiaMobile Personal EKG | Kardia Personal EKG Monitor What Is an HSA Account and How Does It Work? Report: Most Popular Used Cars in America What Brokerage Do You Recommend for First-Time Investors or Kids? Target Date Funds: Clark's Favorite Retirement Investment HELOC vs. Home Equity Loan: Similarities and Differences Is a HELOC a Good Idea? The Simple Answer Home Equity Loan Calculator - Clark Howard Ed.gov - Loan Forgiveness How To Roll Over U.S. Savings Bonds Into a 529 Plan 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also in today's episode - so many people have not taken advantage of an easy way to store identification. Why Clark thinks you should do it TODAY. Clark Stinks: Segments 1 & 2 Digital Identification: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Online Banks: Free Checking and High-Interest Savings Accounts NYTimes: How Much It Costs to Drive an E.V. and a Gas Car in Every State Where To Find the Best CD Rates Right Now Clark Howard's New Airbnb Rule You Need To Follow The NY Times: What's a Digital Passport and How Does It Work? Top 10 Perks of the Capital One Venture X Rewards Credit Card Credit Card Car Rental Insurance: What You Need To Know Chase Sapphire Preferred® Card Review: About the Travel Card Clark Deals 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, auto thefts are down, but some vehicles are bigger targets for theft than others - and they're probably not the models you'd expect. Do you have a car that is more likely to be stolen? Clark Stinks: Segments 1 & 2 Prevent Auto Theft: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Ditch My Southwest Airlines Credit Card? Best Airline Credit Cards for 2025: Are They Right For You? OnePay CashRewards Card: Is the New Walmart Credit Card Worth It? What Is an HSA Account and How Does It Work? CarBuzz: Hyundai And Kia Top A List They Really Don't Want To Going to college: Your guide to campus life and money How To Transfer IRA Funds to an 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

On this episode of Vitality Radio, Jared is joined by homeopathic consultant and herbalist Amanda Kotter to explore natural options for supporting the body through the fall and winter “cold and flu season.” They discuss how homeopathy differs from herbs and pharmaceuticals, why it's so gentle yet effective, and how it works to encourage balance instead of suppressing symptoms. Amanda walks through her favorite homeopathic remedies for common issues like sore throat, cough, and congestion. You'll learn what each remedy is used for, when to take it, and how safe homeopathy can be for every age, from infants to grandparents. The episode closes with how Amanda's homeopathic consultations help individuals navigate which remedies best match their symptoms and how she partners with Vitality Nutrition to guide clients naturally.Products:Ollois Cold & Flu KitThe Kali'sBoiron Oscillococcinum®MediNatura ReBoost Zinc +10 Cold & Flu Tablets15% off Ollois & ReBoost with PROMO CODE: cold15 thru November 30th, 2025Additional Information:#509: New! Vitality Nutrition Homeopathic Consultations with Amanda Kotter#393: What Is Homeopathy and How Does It Work? With Guillaume LoisElemental Health ClinicElemental Health InstagramTo schedule your Homeopathy Consultation with Amanda:Email Amanda@vitalitynutrition.comCall/Text 801-388-4133Visit the podcast website here: VitalityRadio.comYou can follow @vitalitynutritionbountiful and @vitalityradio on Instagram, or Vitality Radio and Vitality Nutrition on Facebook. Join us also in the Vitality Radio Podcast Listener Community on Facebook. Shop the products that Jared mentions at vitalitynutrition.com. Let us know your thoughts about this episode using the hashtag #vitalityradio and please rate and review us on Apple Podcasts. Thank you!Just a reminder that this podcast is for educational purposes only. The FDA has not evaluated the podcast. The information is not intended to diagnose, treat, cure, or prevent any disease. The advice given is not intended to replace the advice of your medical professional.

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Home prices have inflated so much in recent years, and banks are luring home owners to tap that home equity like it's a piggy bank. But what does this do to your overall wealth? Before you're tempted, hear what Clark has to say about HELOCs and home equity loans. Clark Stinks: Segments 1 & 2 Home Equity Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Term Life vs. Whole Life Insurance: Understanding the Difference 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them) What Is an HSA Account and How Does It Work? Where Should I Set Up My Health Savings Account (HSA)? Report: 10 Used Cars With Big Price Drops HELOC vs. Home Equity Loan: Similarities and Differences Home Equity Loan Calculator - Clark Howard Is a HELOC a Good Idea? The Simple Answer How To Buy a House in 9 Steps What to know about online purchases and tariffs 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Football season means Clark is back to watching TV, and he's got clarification on some offers in ads you're likely seeing too.  Clark Stinks: Segments 1 & 2 “FREE” Phones? Not Really: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Things To Know Before You Buy a TV Antenna How To Watch Local Channels Without Cable Report: The Most Affordable Places To Live in America 5 Money Mistakes To Avoid When Traveling Best Way To Exchange Dollars for Foreign Currency & When To Exchange 5 Money Tips To Know Before You Travel Abroad Why You Should Never Use a Debit Card To Pay for Anything The Best Phone Plan For You - Compare Phone Plans Should you ever get a "free" phone from a wireless carrier? How To Monitor Your Credit   /   How To Get a Free Credit Report How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is an HSA Account and How Does It Work? 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

There's a clear trend in how people are shopping today. Consumers of all income levels are seeking out bargains, changing where and how they buy everyday goods - a Clark smart reaction to inflation & tariff effects. Also today - You may need a cure for what ails you, but don't trust medical ads you see online. Scammers are using AI and other manipulative tools to pitch FAKE healthcare products that appear to be endorsed by medical professionals. Financial and physical harm can result.  Mindful Shopping: Segment 1 Ask Clark: Segment 2 Fake Medical Ads Online: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Axios: Dollar General shows even the affluent are seeking bargains 80-10-10 Mortgage: Meaning, Benefits and Examples The Secret to Avoiding PMI and 20% Down? A Piggyback Loan NYTimes: The Doctors Are Real, but the Sales Pitches Are Frauds What Is an HSA Account and How Does It Work? The Lancet | The best science for better lives Virtual Credit Cards: An Online Security Measure Worth Taking? 5 Things To Do Before You Sign Up for a Free Trial 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, has Prime membership reached its peak? Clark discusses Amazon Prime, including why & how they're ending a family sharing program. Clark Stinks: Segments 1 & 2 Amazon Prime Change: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Much It Will Cost To Watch Every NFL Game in 2025 4 Things To Know Before You Buy a TV Antenna What Is a 403(b) and How Does It Work? Why You Should Never Use Roadside Assistance What Is an HSA Account and How Does It Work? Report: Automakers With the Most and Fewest Recalls The Verge: Amazon ends shared Prime free shipping outside your home Is Amazon Prime Worth It? STREAMING TV - Clark.com 3 Financial Documents Everyone Should Have by Age 18 Why You Need To Talk to Your Family About Your Estate Before You Die How To Make Your Online Accounts Accessible When You Die Wills & Funerals 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover how eating only ultra-processed foods for 30 days can tank your testosterone by 30% and cause a 5.5x increase in dangerous visceral fat, even when calories and weight stay the same. In episode 817 of the Savage Perspective Podcast, your host Robert Sikes sits down with Throne founder Scott Hickle to reveal the shocking truth about how the standard American diet impacts your hormones, gut health, and mood. Scott shares the results of his 30-day experiment, discusses the future of health tracking, and explains how analyzing your poop can provide incredible insights into your body's performance and help detect hidden diseases like colon cancer.Want to build a stronger, healthier body? Join Robert's FREE Bodybuilding Masterclass to learn the exact methods to optimize your nutrition and training. Sign up here: https://www.ketobodybuilding.com/registration-2Follow Scott on IG: https://www.instagram.com/scotthickleGet Keto Brick: https://www.ketobrick.com/Subscribe to the podcast: https://open.spotify.com/show/42cjJssghqD01bdWBxRYEg?si=1XYKmPXmR4eKw2O9gGCEuQChapters:0:00 - How Ultra-Processed Food KILLS Your Testosterone 0:46 - Meet the Man Who Invented the "Whoop for Your Poop" 1:42 - How a Poker Night Joke Became a Health Tech Startup 2:56 - Why Doctors Secretly Hate Getting Pictures of Your Poop 4:06 - The Untapped Health Data Hidden in Your Toilet Bowl 5:14 - What Is the Bristol Stool Chart & How Does It Work? 6:13 - How to Find Your Food Triggers (The Automated Way) 7:16 - We Paid Gastroenterologists to Label THOUSANDS of Poop Photos 8:06 - Is STRESS or DIET Worse For Your Gut Health? 10:14 - My 30-Day Ultra-Processed Food Experiment (The Rules) 12:52 - The REAL Effect of Sugar on Your Mood & Energy 15:51 - How a Processed Food Diet TANKED My Testosterone by 30% 17:26 - The Hidden Danger of Visceral Fat (And How to Measure It) 19:12 - Are You Eating The Standard American Diet? (The Uncomfortable Truth) 20:02 - What 3200 Calories of Junk Food Actually Looks Like 21:58 - The Day Energy Gels Almost Made Me Crash My Car 24:15 - My Testosterone Levels After 30 Days of Junk Food (The Exact Numbers) 25:00 - Did 30 Days of Junk Food Destroy My Cholesterol? 25:56 - Did I Lose Muscle Eating Only Processed Food? (DEXA Results) 27:02 - How a Junk Food Diet Made Me "Radiate Bad Energy" 28:33 - Whoop vs. Aura vs. Levels: Which Health Tracker is Best? 29:45 - The Single Best Feature in Wearable Health Tech Today 32:17 - Is Microbiome Testing a Waste of Money? 37:44 - How a Junk Food Diet Impacts Your Strength in the Gym 40:43 - The #1 WORST Processed Food I Ate 42:34 - What Does the "Perfect" Poop Look Like? 44:49 - The Most Common Poop Problem Affecting 40 Million Americans 46:52 - How This Smart Toilet ACTUALLY Works 49:54 - How to Measure Your Prostate Health at Home 52:14 - What Happens if You Poop in a Different Toilet? 54:41 - The Business of Poop: Building a Viral Health Company 57:26 - The Ultimate Goal: A "Smoke Detector" for Colon Cancer 59:01 - Where to Find the Throne Smart Toilet

In today's show, crooks are finding new, sophisticated ways to get into your accounts. There are risks with voice ID, 2 factor authentication, spoofing, pretexting and more. Clark shares ways to protect yourself.  Also, how do you “futureproof” your career with so many changes coming from AI, robotics and more? Clark discusses the value of looking ahead, enhancing your skillset, and asking “what's next” jobwise.   Guard Your Accounts: Segment 1 Ask Clark: Segment 2 Futureproof employment: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Need To Lock Your Phone Number Today Vanguard Account Security - Spotting and stopping more sophisticated scams Lawsuit Claims Zelle Security Lapses Cost Over $1 Billion in Fraud: What You Need to Know How to outfox financial scammers What Is an HSA Account and How Does It Work? What Is a Flexible Spending Account? 8 Retirement Catch-Up Secrets for Savers 55+ 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, the high cost of REAL health insurance is driving a surge in low cost health “coverage” being pitched to both individuals and small businesses - plans that are either bad, or worse, total scams. Clark Stinks: Segments 1 & 2 Bogus Healthcare Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an HSA Account and How Does It Work? Where Should I Set Up My Health Savings Account (HSA)? What Is a Flexible Spending Account? How Do You Prepare for the Likelihood of Long-Term Care Costs? Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Travel Insurance Checklist: 5 Types of Coverage To Consider SCORE - For The Life Of Your Business Looking for health insurance? Make sure that's what you're getting Term Life vs. Whole Life Insurance: Understanding the Difference How To Buy Term Life Insurance in 7 Easy Steps What Is a 403(b) and How Does It Work? /  403bWise.org How To Open a Roth IRA  /  What Are Index Funds?  Best Investment Companies for Investors in 2025 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

Donald Trump has laid the groundwork to become one of the wealthiest people on the planet by personally making money from every dollar printed in the United States. And the worse the economy gets, the more money he stands to make. The House has already passed three crypto bills that would make this potential a reality by allowing the Trump family to control the global stablecoin market. Now it’s up to the Senate. It’s a wild story that the media won’t report on because they don’t get it. But some very powerful people have figured it out and now the race is on to stop Trump from becoming the shadow central banker to the world. Chapters Intro: 00:00:35 Chapter One: Bitcoin and Burgers. 00:01:17 Chapter Two: The Stablecoin Genius. 00:07:15 Chapter Three: FIAT. 00:12:40 Chapter Four: Crypto Fasist. 00:17:34 Chapter Five: Looting the Treasury. 00:28:53 Chapter Six: 00:38:59 Resources Sign the Petition To Stop the Senate From Passing These Bills Stablecoin Resources The Coin Republic: Tether Leads Crypto Revenue Chart With $87M Weekly Fees Corporate Finance Institute: Tether Cointelegraph: Tether made $5.2B in 2024: Here’s how stablecoins make money Onchain: How Businesses Generate Revenue With Stablecoins Webisoft: How Do Stablecoins Make Money? [The Crypto Finance] Binance: How Do Stable Coin Issuers Make Money? Gemini: What Is USDC? How Does It Work? White Paper: SoK: Stablecoin Designs, Risks, and the Stablecoin LEGO White Paper: Stablecoins: Fundamentals, Emerging Issues, and Open Challenges White Paper: Hybrid Monetary Ecosystems: Integrating Stablecoins and Fiat in the Future of Currency Systems Federal Reserve Bank of Kansas City: Stablecoins Could Increase Treasury Demand, but Only by Reducing Demand for Other Assets Bitbo: Stablecoin Issuers Now Hold $182B in US Treasuries Bitstamp: What is Circle? Regulation and Legislation Resources Federal Reserve: Federal Reserve Board announces the withdrawal of guidance for banks related to their crypto-asset and dollar token activities and related changes to its expectations for these activities Yahoo Finance: Trump signs stablecoin bill into law, capping string of ‘Crypto Week’ victories Associated Press: Senate passes crypto regulations, sends to House without addressing Trump’s investments Congress: S.394 - GENIUS Act of 2025 Congress: H.R.3633 - Digital Asset Market Clarity Act of 2025 Congress: H.R.1919 - Anti-CBDC Surveillance State Act Politico: Crypto industry amasses colossal war chest for elections Public Citizen: Big Crypto, Big Spending: Crypto Corporations Spend an Unprecedented $119 Million Influencing Elections AInvest: Senator Gillibrand’s $217,000 Crypto Donations Fuel GENIUS Act Debate ETF Trends: Corporate Crypto Adoption Trends Remain Encouraging Trump & Crypto Resources Bloomberg: Binance Aided Trump Crypto Firm Before Founder CZ Sought Pardon Binance Academy: What Is World Liberty Financial USD (USD1)? American Bazaar: World Liberty Financial, tied to Trump, grows ETH holdings to $275 million BingX: What Is USD1 Stablecoin Launched by the World Liberty Financial (WLFI)? MEXC: What is USD1? Complete Guide to World Liberty Financial’s Revolutionary Stablecoin Common Dreams: How GOP’s Crypto Bills Would Benefit Trump and His Family New York Times: What to Know About the Three Crypto Regulation Bills in Congress NPR: A ‘Crypto Week’ win: Congress passes 1st major crypto legislation in the U.S. TOKEN2049: A Fireside Chat with Eric Trump and World Liberty Financial Wall Street Journal: The Recipe Behind the Trump Family’s Crypto Riches: PancakeSwap BusinessWire: ALT5 Sigma Corporation Announces $1.5 Billion Registered Direct Offering and Concurrent Private Placement to Initiate World Liberty Financial $WLFI Treasury Strategy Reuters: Trump's stablecoin chosen for $2 billion Abu Dhabi investment in Binance, co-founder says Definitional Resources Brookings: What are stablecoins, and how are they regulated? The Block: What are the advantages and disadvantages of stablecoins? Binance: Stablecoins vs. Fiat Money: Why are they a good option? Polkadot: CBDCs vs. Stablecoin: Competing visions for digital currency Fireblocks: State of Stablecoins 2025 International Resources Atlantic Council: Central bank digital currencies versus stablecoins: Divergent EU and US perspectives Reuters: Crypto firm Tether and its founders finalizing move to El Salvador BIS: The next-generation monetary and financial system UNFTR Resources The Global Order of Money. Video: Trump's Crypto Scheme MUST Be Stopped -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts and Spotify: unftr.com/rate and follow us on Facebook, Bluesky, TikTok and Instagram at @UNFTRpod. Visit us online at unftr.com. Join our Discord at unftr.com/discord. Become a member at unftr.com/memberships. Buy yourself some Unf*cking Coffee at shop.unftr.com. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibility. Unf*cking the Republic is produced by 99 and engineered by Manny Faces Media (mannyfacesmedia.com). Original music is by Tom McGovern (tommcgovern.com). The show is hosted by Max and distributed by 99.Support the show: https://www.unftr.com/membershipsSee omnystudio.com/listener for privacy information.

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, one major rental car company has now earned the “do not rent” label from Clark. Get Clark's latest advice on car rentals.  Clark Stinks: Segments 1 & 2 Car Rental Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Booking a Cruise? Here Are 5 Ways To Do It for Less You Won't Believe What Clark Howard Says About Wells Fargo Now What Is an HSA Account and How Does It Work? Subscription Services: Why Canceling Is So Hard (and a Solution) What Is a CD Ladder and When Is It a Good Idea?  /  CD Ladder Calculator Marriott Bonvoy Boundless® Credit Card Review: What You Should Know The Secret Technology Rental Car Companies Are Using Against You Cheapest Way to Rent a Car: Expert Tips Major Changes Announced for Southwest Airlines Credit Cards How Do You Prepare for the Likelihood of Long-Term Care Costs? 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

Not all retirement plans are created equal. When it comes to the 403bs many teachers and non-profit workers are offered - the math is wrong. And not all 401(k)s will serve you well. Knowing how to get the most from your investments can mean WAY more money in retirement.   Also - It's rare to find the opposite of shrinkflation, but some retailers and restaurants are filling the value gap - in buckets!  Retirement Plan Choice: Segment 1 Ask Clark: Segment 2 Bonus! Buckets Of Coffee: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Teachers Are Learning a Hard Lesson. Their Retirement Plans Cost a Fortune.⁠ ⁠What Is a 403(b) and How Does It Work?⁠  /   ⁠403bwise.org⁠ ⁠How To Open a Roth IRA⁠ ⁠401(k)s Weren't Built for the Gen Z Economy⁠ ⁠Why You Need To Know Your Company 401(k) Fees⁠ ⁠Investing & Retirement Archives - Clark Howard⁠ ⁠What Is a Fiduciary Financial Advisor and Do I Need One?⁠ ⁠Your Morning Coffee, in a Bucket⁠ Is Now a Good Time To Buy an Electric Vehicle? ⁠Report: 4 Used Electric Vehicles Under $25,000⁠  /  ⁠ABRP 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode,  a Christmas pricing preview - and word to Amazon Prime loyalists about new pricing, and cheaper alternatives. Clark Stinks: Segments 1 & 2 Amazon Price Changes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Mail a Check  /  What Is FedNow? What Is a Roth 401(k) and How Does It Work? Social Security Survivor Benefits Amazon Raised Prices on Hundreds of Essentials After Trump Unveiled Tariffs Amazon Prime vs. Sam's Club: Which membership is a better deal? Walmart+ Membership Program: 4 Things To Know Best Credit Cards to Use at Walmart in 2025 The Platinum Card® from American Express Review: Is It Worth It? What Is a Fiduciary Financial Advisor and Do I Need One? 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

Today, Clark discusses a disturbing trend underway involving retirement accounts, and explains the best way to use a 401(k).  Also, Clark explores the significance of small business in building wealth and influencing the overall economy, including the opportunities provided for workers now facing uncertainty.  Steady Retirement Saving: Segment 1 Ask Clark: Segment 2 Small Business: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark.com - INVEST & RETIRE The Only Two Exceptions to Clark Howard's Annuity Rule Immediate Payout Annuity: What Is It and Do You Need It? How to Start Investing: 10 Steps for Beginners 3 Big Retirement Account Changes You Haven't Heard About What Is a SEP IRA and Who Is Eligible? What Is a Solo 401(k) and How Does It Work? How To Buy Term Life Insurance in 7 Easy Steps Homeowners Insurance Archives - Clark Howard How to Shop for Lower Car Insurance How To Send a ‘Drop Dead' Letter to a Collection Agency 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

A CNET survey has found the average consumer is paying close to $200 more per year for internet than a year ago. Today, paying for home internet service no longer has to be expensive. New choices have emerged to help you SAVE MORE. Also, bait & switch junk fees have been rampant - on hotels, tickets, services and more. But new rules are helping to change that in some quarters. Clark shares tips for getting the full price before you make buying decisions. Home Internet Options: Segment 1 Ask Clark: Segment 2 All In Pricing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark's Tips To Save Money on Home Internet in 2025 Airbnb will now show total prices by default What the Rule on Unfair or Deceptive Fees means for you The 12 Best International Carry-ons, Tested and Reviewed What Is a 403(b) and How Does It Work? 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

Help us surprise Clark Howard for his birthday! We're collecting special wishes for Clark (it's a secret!) to celebrate his birthday on June 20th. Use this form to share your wishes for Clark: https://forms.gle/hNtmFTvqkdZc94J49 -- remember it's a secret! ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, how one state plans to use controversial technology to slow down speeders. Clark Stinks: Segments 1 & 2 Intelligent Speed Assist: Segment 3 Ask Clark: Segment 4 Mentioned on the show: “Clark Stinks!” - by Son of Scotland How To Open a Roth IRA 3 Reasons You Should Never Book a Nonrefundable Hotel Room How To Use Priceline To Save on Travel What Is an HSA Account and How Does It Work? Virginia will use technology to slow chronic speeders' cars Car Rental Insurance: Everything You Need To Know Credit Card Car Rental Insurance: What You Need To Know My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? 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

Today, learn more about I-Bonds. Are they still worth buying? Clark explains how I-Bonds work and why they can be a solid part of your saving strategy. Also, the tariff news keeps coming, with a temporary reprieve on goods from China now in effect. Clark discusses what this will mean for consumers and merchants moving forward. Series I Savings Bonds: Segment 1 Ask Clark: Segment 2 The Tariff Reprieve: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Things To Know About Series I Savings Bonds Do Not Use Smartwatches or Smart Rings to Measure Blood Glucose Levels: FDA Safety Communication Dexcom G7 CGM and Stelo Glucose Biosensor Subaru Ascent SUVs Recalled. Automaker Advises Owners to Park Outside and Away From Structures. The Center For Auto Safety How Much Money Do I Need in My Emergency Fund? HSA Store - Learning Center What Is an HSA Account and How Does It Work? 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