1,810 episodes

Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.

The Clark Howard Podcast Clark Howard

    • Business
    • 4.6 • 4.7K Ratings

Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.

    03.29.24 Clark Answers His Critics on Clark Stinks / The Wealth Building Habit

    03.29.24 Clark Answers His Critics on Clark Stinks / The Wealth Building Habit

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Recent data proves the point: You CAN achieve financial independence, habitually building reserves by living on less than what you make and investing wisely.


    Clark Stinks: Segments 1 & 2

    Financial Independence: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Your money could fall into the wrong hands if you don’t update this crucial information

    Wills & Funerals Archives - Clark Howard

    Dealerships Begin Swimming In Vehicle Inventory - Here Is Who's Drowning - AutoSpies

    Target launches new paid membership program in a bid to drive sales at a time of cautious spending

    Homeowners Insurance Archives - Clark Howard

    Number of 401(k) ‘millionaires’ jumped 41% last year, says Fidelity


    Clark.com SAVINGS TABLE   /   How To Open a Roth IRA


    Home Equity Loans & Lines of Credit: 7 Common Questions Answered

    6 Tips for Hiring a Contractor

    Target Date Funds: Clark's Favorite Retirement Investment

    How To Find and Choose a Financial Advisor

    Lost, Delayed, or Damaged Baggage

    How To Pack a Carry-On the Right Way


    Travel Archives - Clark Howard   /   Travel Archives - Clark Deals



    Clark.com resources

    Episode transcripts

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    Consumer Action Center Free Helpline: 636-492-5275


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    • 35 min
    03.28.24 Wendy’s Pricing Debacle / Yippee Ki AI - Wild West Phase

    03.28.24 Wendy’s Pricing Debacle / Yippee Ki AI - Wild West Phase

    You may have heard about Wendy’s experimenting with “surge” pricing. This was a miscommunication about dynamic demand pricing. Clark explains. Also today, Clark discusses when you should NOT trust AI and what to know about Google search results. 

    Dynamic Demand Pricing: Segment 1

    Ask Clark: Segment 2

    AI’s Troubled Infancy: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Surge Pricing Is Coming to More Menus Near You - The Wall Street Journal.

    Wendy's 'dynamic pricing' drew backlash, but experts say the concept is here to stay

    Wendy’s Makes It Clear After Backlash: No Surge Pricing - The Wall Street Journal.

    Safer Ways To Send Money

    How Many Bank Accounts Should You Have? - Clark Howard

    How To Avoid ATM Fees

    Best Credit Cards With No Foreign Transaction Fees in 2024

    5 Money Tips To Know Before You Travel Abroad

    [The Washington Post] TurboTax and H&R Block now use AI for tax advice. It’s awful.


    AI is not ready for primetime  

    A Fake Bill Ackman Is Scamming Investors Out of Millions on Facebook - The WSJ

    Five Biggest Frauds To Watch Out for in 2024

    The Free Tool You Should Be Using Before You Fill a Prescription at CVS or Walgreens

    GoodRx Review: 10 Things To Know Before You Use GoodRx

    Will Mark Cuban's Prescription Company Really Save You Money?

    10 Ways To Save on Prescription Drugs

    Clark Deals - Today's Best Deals of the Day


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    Community.Clark.com

    Clark.com daily money newsletter


    Consumer Action Center Free Helpline: 636-492-5275


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    • 30 min
    03.27.24 Saving For College: 529 Plan Update / Upside Down Car Loans

    03.27.24 Saving For College: 529 Plan Update / Upside Down Car Loans

    Clark has news for parents and grandparents saving for a child’s college education. Also in this episode, reversals in the auto industry are landing many existing car loans underwater. What to do if you are upside down in a car loan.

    529 Plan Update: Segment 1

    Ask Clark: Segment 2

    Upside Down Vehicle Loans: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Use the 529 Grandparent Loophole to Maximize College Savings

    Best 529 College Savings Plans By State

    Rollovers From a 529 Plan to Roth IRA: What to Know

    Target Date Funds: Clark’s Favorite Retirement Investment

    How To Find and Choose a Financial Advisor

    Car values plummet, putting car loans underwater

    More car owners are underwater on loans because of lower trade-in values

    What Is Gap Insurance? Definition, How It Works, When to Buy

    How to Buy a Used Car in 7 Steps


    Clark.com resources

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    Consumer Action Center Free Helpline: 636-492-5275


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    • 28 min
    03.26.24 New Rule For Medical Appointments / Classic Clark For Employers

    03.26.24 New Rule For Medical Appointments / Classic Clark For Employers

    In medicine today, there’s ongoing conflict between insurers and providers and we’re caught in the middle. This necessitates a clear directive for you before you go to any doctor appointment. Also -  In free enterprise capitalism, what is core and key for enduring success?  Clark shares a case in point.

    Assignment: Reverify Medical Network: Segment 1

    Ask Clark: Segment 2

    A Requirement For Success: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:


    [The Washington Post] How your in-network health coverage can vanish before you know it 

    ‘They’re Freaking Out’: Letters Warn Patients They Risk Losing Their Doctor - The WSJ

    What Is an HSA Account and How Does It Work?


    Ask Clark: What Is a Backdoor Roth IRA?   /   What Are Index Funds?


    NYPost: Dollar General store briefly shuts down after entire staff quits over 7-day work weeks, ‘lack of appreciation’

    NYTimes.com: Walmart Wants to Teach Store Managers Compassion

    Warning: Read This Before You Sell I Bonds

    Vanguard - Bonds: Diversify Your Portfolio and Earn More

    Credit Score Guide

    What Type of Medical Alert Device Should I Buy for My Husband?


    Clark.com resources

    Episode transcripts

    Community.Clark.com

    Clark.com daily money newsletter


    Consumer Action Center Free Helpline: 636-492-5275


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    • 30 min
    03.25.24 New Rules For Real Estate Commissions / Save On Summer Cruising

    03.25.24 New Rules For Real Estate Commissions / Save On Summer Cruising

    U.S. real estate commissions have been roughly triple those elsewhere in the developed world. Clark explains how recent settlements in the industry will actually play out over time in terms of commissions. Also in this episode, Clark shares new cruise booking insights based on a recent experience.

    Real Estate Commissions: Segment 1

    Ask Clark: Segment 2

    Summer Cruise Deals: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Closing Costs for Buying a Home Have Risen Along With Rates

    The 6% commission on buying or selling a home is gone after Realtors association agrees to seismic settlement

    Realtors settlement expected to lower housing prices

    Five Ways Buying and Selling a House Could Change

    NYTimes: Powerful Realtor Group Agrees to Slash Commissions to Settle Lawsuits

    NAR agrees to settle commission lawsuits that rocked the real estate world

    'Everything is rising at a scary rate': Why car and home insurance costs are surging

    Clark.com SAVINGS TABLE

    Clark.com - CRUISES

    Should You Ever Book a Nonrefundable Hotel Room?

    Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly?

    TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You?

    Will TSA's New Self-Screening Service Save You Time At The Airport?

    TSA unveils first self-screening security lane at Las Vegas airport

    TSA unveils a prototype self-service airport checkpoint security screening system


    Clark.com resources

    Episode transcripts

    Community.Clark.com

    Clark.com daily money newsletter


    Consumer Action Center Free Helpline: 636-492-5275


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    • 33 min
    03.22.24 Clark Answers His Critics on Clark Stinks / Clark Rule For Booking Travel

    03.22.24 Clark Answers His Critics on Clark Stinks / Clark Rule For Booking Travel

    Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - The travel industry can be unstable. Another cruise line recently shut down. Know Clark’s number one rule for booking travel and protecting your money.


    Clark Stinks: Segments 1 & 2

    Travel Booking Rule: Segment 3

    Ask Clark: Segment 4


    Mentioned on the show:

    Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons)

    The Best International Phone Plans

    What Should You Do About Phone Data on an International Trip?

    American Queen Voyages Cancels All Cruises, Shuts Down Operations

    Best Travel Credit Cards: Top Rewards Picks for 2024

    The Only Way You Should Pay for a Cruise

    Travel Insurance: What You Need To Know Before You Buy

    Why You Should Never Use a Debit Card To Pay for Anything

    How To Plan a Trip: Clark's Best Travel Tips To Save Money

    Should I Buy Additional Insurance From a Rental Car Company?

    Amex EveryDay® Credit Card Review: 15 Months of Intro 0% APR

    Credit Card Car Rental Insurance: What You Need To Know


    Clark.com resources

    Episode transcripts

    Community.Clark.com

    Clark.com daily money newsletter


    Consumer Action Center Free Helpline: 636-492-5275


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    • 32 min

Customer Reviews

4.6 out of 5
4.7K Ratings

4.7K Ratings

A Must-Listen Poscast ,

A Must-Listen Podcast

Thank you Clark and team for your podcast. By listening I feel informed, inspired, and entertained in equal measure.

MD Pug ,

Long time listener, very grateful.

I’ve been listening to Clark for more than a decade. His advice is timely and he keeps us up-to-date in bite-sized chunks. I am a busy mom and I don’t have time to read a lot of financial self-help books. Listening to his podcast while I’m driving around helps me feel confident and powerful with my finances. It’s a priceless gift. Thank you Clark and Christa.

M RN88 ,

Long time listener

I’ve been listening to Clark Howard since before I had a computer or cell phone! Remember that thing called the radio? We followed a lot of his advice through the years and are now financially independent and have retired early! Ya don’t have to take all of his advice, just listen and adapt to your own lifestyle!

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