Podcasts about how does it work

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

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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

Today, Clark talks GOLD! Should you be buying gold to help offset the uncertainty of the stock market? Clark discusses the nature of gold as an asset, and, should you decide to buy it, the best way to do so. Also - you may have seen lots of ads lately from the big cell phone carriers. Is it time to switch?  Gold As An Asset: Segment 1 Ask Clark: Segment 2 Cell Phone Plan Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should I Buy Gold? Is It a Good Investment? Should You Buy Gold at Costco? Warning: How You Should NOT Buy Gold Trump Says Tariffs Are Reciprocal. They Aren't. The trade deficit isn't an emergency – it's a sign of America's strength WSJ: Verizon Offers 3-Year Price Lock for Wireless Customers Best Verizon MVNOs: Cell Phone Companies That Use Verizon's Towers Verizon Wireless Deal: Get Four Unlimited Lines for $100 13 New Cell Phone Deals in April  - Google Fi Review The Best Phone Plan For You – Compare Phone Plans Best Phone Plans: Get Exactly What You Want at the Cheapest Price Xfinity Mobile Review: Verizon's Network Starting at $20 a Month Spectrum Mobile Review: 7 Things To Know Before You Sign Up Automatic Bill Pay: How It Works and How To Do It Safely Charles Schwab Review: Pros & Cons 5 Money Tips To Know Before You Travel Abroad 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, when it comes to medical insurance denials, companies count on people just paying up. But those who appeal are often successful. Clark shares a new guide that makes the appeal process easier.   Clark Stinks: Segments 1 & 2 Appeal Health Insurance Denial: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Certificate of Deposit (CD): What Is It, Best Places To Open One Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account 23andMe Bankruptcy: Why You Should Erase Your Data Now What Is a Solo 401(k) and How Does It Work? When Is the Best Time To Collect Social Security? What Is an ABLE Account? Find Out Why Health Insurance Denied Your Claim What Should You Do if Your Insurance Claim Is Denied? Can a Patient Advocate Help With Your Medical Bills? What's the Best Way To Send Money Overseas? 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 brings a Clarkonomics session on something much in the news - the potential for stagflation. Clark explains this economic environment and how you can prepare.  Also, something terrible just got worse: Pay in 4. Why you should just say NO to Buy Now Pay Later. Clarkonomics - Stagflation: Segment 1 Ask Clark: Segment 2 BNPL Spells TROUBLE: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Certificate of Deposit (CD): What Is It, Best Places To Open One 18 of the Best High-Yield Online Savings Accounts in April 2025 Are Money Market Funds a Safe Place To Stash My Savings? Why Big Banks Are a Bad Place for Your Cash Social Security Fairness Act: Windfall Elimination Provision File a Consumer Complaint  /  Air Travel Service Complaint | secure.dot.gov Axios: BNPL is everywhere  / Why 'Buy Now, Pay Later' Worries Clark Howard How To Improve Your Credit Score in 5 Key Areas What Is a Secured Credit Card and How Does It Work? Why Clark Howard Wants You to Set Up a 'Financial Chromebook' 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 goes back to basics on homeowner's insurance as rates continue to rise around the country, including 2 common mistakes to avoid, and specific advice for those thinking of moving. Also in this episode - eyes wide open on meme coins and crypto. There are lots of people pitching these as “alternative investments” to the stock market. Get Clark's take on how to approach the hype.  Homeowner's Insurance: Segment 1 Ask Clark: Segment 2 Clark On Crypto: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Housing market map: How much home insurance is expected to rise by 2055 Best and Worst Homeowners Insurance Companies How Much Homeowners Insurance Do I Need? 5 Reasons Why Your Home Insurance Will Cancel You as a Customer Credit Karma Review: Free Credit Score and More at Your Fingertips Warning: How You Should NOT Buy Gold Limited Purpose Flexible Spending Account (LP-FSA) Guide What Is an HSA Account and How Does It Work? Legit Online Surveys for Money: What I Earned 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

One topic that never goes away are the scams criminals constantly come up with to part you from your money. Clark shares a list of the top scams to look out for today - and a new way for Android users to protect themselves.  Another chronic problem - gift cards. Clark provides yet another reason gift cards are fool's gold. Top SCAMS: Segment 1 Ask Clark: Segment 2 The Gift Card Hatin' Club: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Top scams of 2024 Google takes the battle to scammers with a groundbreaking feature for Android & Pixel phones What Is a Solo 401(k) and How Does It Work? How Should I Handle Car Insurance for My Teenage Driver? What Is Umbrella Insurance and Do You Need It? Walmart+ Membership Program: 4 Things To Know National Academy of Elder Law Attorneys Home NAELA Why It's More Important Than Ever To Have an Emergency Fund The Best Time and Place To Buy a TV The best deals on TVs available now 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 attempts to talk about a topic that always elicits spirited responses - social security. There are questions about the future of the program, and Clark gives you his take. Also, the story of a life well lived which can serve to inspire us all. Social Security: Segment 1 Ask Clark: Segment 2 All Cash - No Flash: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When Is the Best Time To Collect Social Security? Will Social Security Run Out?   /   Social Security - Clark.com Best Credit Cards for Students: Top Picks for 2025 Home — TreasuryDirect What's the Best Savings Account for a Teenager? How To Open a Roth IRA Investment Growth Calculator - Clark Howard Bob Kierlin, Frugal CEO Who Wore Secondhand Suits, Dies at 85 - WSJ Countries Offering Digital Nomad Visas What Is an HSA Account and How Does It Work? Why You Should Never Use a Debit Card To Pay for Anything 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 focuses on one of the biggest purchases most of us make in life - cars. There are ways to get a vehicle for way less money than most people pay. Also, a look at the pros & cons of so called smart electric meters and time of use plans offered by utility companies - and how to decide which is best for you.  Best Low Cost Vehicles: Segment 1 Ask Clark: Segment 2 Smart Meters: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best new cars in 2025: Consumer Reports reveals top picks for reliability, safety and more Costco Car Buying Program: 4 Things To Know Before You Sign Up How To Buy a Used Car / How to Buy a New Car in 5 Steps Elliott Report: Home What Is Term Life Insurance? How To Buy Term Life Insurance in 7 Easy Steps What Is Disability Insurance 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

One of the most popular pages on Clark.com is our Best High Yield Online Savings Accounts article, because we all want to get the most interest on our cash. Capital One was recently accused of cheating customers out of interest rate payments - so how do you ensure you are getting best rates? Also - several high profile celebrities have revealed that they have run out of retirement savings. It just goes to show that it's not how much you make, but how much you save. Avoid the MPC (Marginal Propensity to Consume) trap that has drained dry even the wealthiest of earners.  Make More On Savings: Segment 1 Ask Clark: Segment 2 Retirement: Running On Empty: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Capital One Accused of ‘Cheating' Customers Out of $2 Billion Best High-Yield Online Savings Accounts - Clark.com  High-Yield Savings Account (HYSA) Calculator How To Open a Roth IRA Best 529 College Savings Plans By State 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 Advertisers: policygenius.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - Consumer spending has steadily become a larger part of the economy over the years. Tech and the ability to shop online has made the problem of shopping addiction substantially worse. Clark shares some simple steps you can take to avoid overspending online. Speaking of the internet - Clark has changed the way he goes online when away from home. You'll want to hear his recommendations to protect your privacy and your money. Shopping Triggers: Segment 1 Ask Clark: Segment 2 Public Wi-Fi Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Biggest Money Mistakes To Avoid in 2025 Why Clark Says It's Time To Dump I Bonds Why You Might Be Paying Your Credit Card Bills All Wrong Best Phone Plans: Get Exactly What You Want at the Cheapest Price Best Unlimited Data Plans in 2024: Starting at $25 for One Line The Best Unlimited Hotspot Plans The Best International Phone Plans Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons) What Is a 403(b) and How Does It Work? How To Find and Choose a Financial Advisor How Much Does a Financial Advisor Cost? 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - what a lawsuit against Ameriprise can teach us all about saving and investing. Clark Stinks: Segments 1 & 2 Savings Rate Rip Offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty for Your TV? Travel Insurance Checklist: 5 Types of Coverage To Consider 4 Things To Know Before You Buy a Digital TV Antenna T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Best Credit Cards for Students: Top Picks for 2024 Barrons: Ameriprise Asks Judge to Toss Clients' Cash-Sweep Lawsuit 17 of the Best High-Yield Online Savings Accounts in January 2025 High-Yield Savings Account (HYSA) Calculator MyCredit Guide - American Express Submit a complaint | Consumer Financial Protection Bureau 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