The Clark Howard Podcast
Clark Howard
Nationally-syndicated consumer expert Clark Howard shows you practical money-saving ideas to help you Save More, Spend Less, and Avoid Ripoffs.
- 31 minutes 41 seconds03.13.26 Clark Answers His Critics on Clark Stinks / FREE Tuition
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - as college costs level off due to a competitive marketplace, more institutions are finding creative ways to attract students – including offering tuition-free degrees. Clark shares resources to help you find these opportunities!
- Clark Stinks: Segments 1 & 2
- Free Tuition: Segment 3
- Ask Clark: Segment 4
Mentioned on the show:
- 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them)
- Rent vs Buy Calculator - Clark Howard
- Fidelity Rewards Visa vs. Schwab Investor Card® from American Express: Which Is Best?
- Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab
- How to get out of a cable or internet contract without paying a penalty
- Subscription Services: Why Canceling Is So Hard (and a Solution)
- Where Should I Set Up My Health Savings Account (HSA)?
- ETFs vs Mutual Funds: What’s the Difference and When Does It Matter?
- Optimizing HSA Transfers for Long-Term Growth
- [W Post] More colleges are offering free tuition. Explore our database.
- Colleges Offering Free Tuition by Income (2026)
- Which Colleges Offer Free Tuition? Full List Of Schools
- Where To Take Free Online Courses - Clark Howard
- Best 529 College Savings Plans By State
- When You Should (and Shouldn’t) Use 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. Visit megaphone.fm/adchoices
13 March 2026, 9:00 am - 26 minutes 44 seconds03.11.26 Retirees Returning to Work / Medical Privacy Warning
Today - The growing "unretirement" trend reveals that nearly half of retirees who return to the workforce do so out of financial necessity rather than choice. Clark shares several considerations and strategies for retirement planning. Later - you may have seen ads for online memberships for medical tests that will give you insights into your health. But will your information be protected? How important is medical privacy to your financial life? Because federal and state laws are often silent on these specific privacy standards, Clark suggests a unique, cautious approach.
- Unretirement: Segment 1
- Ask Clark: Segment 2
- Medical Privacy: Segment 3
- Ask Clark: Segment 4
Mentioned on the show:
- Retirement on Pause: High Costs Push Older Americans Back to Work
- Age Americans Actually Retire (It’s Earlier Than They Plan)
- How To Find and Choose a Financial Advisor
- ETFs vs Mutual Funds: What’s the Difference and When Does It Matter?
- Fidelity Investments Review: Pros & Cons
- Popular online lab tests may not be covered by HIPAA protections
- Subscription Services: Why Canceling Is So Hard (and a Solution)
- How To Get a Gym Membership for Practically Free - Clark Howard
- Why You Do Not Want To Get a Big Tax Refund Check - Clark Howard
- Best 529 College Savings Plans By State
- When You Should (and Shouldn’t) Use 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
11 March 2026, 9:00 am - 37 minutes 11 seconds03.10.26 Ask An Advisor With Wes Moss
Should You Dump U.S. Stocks for International? & Top Retirement Number To Watch in 2026
With international stocks outperforming the S&P 500 recently, many investors are asking the same question: Is it time to pivot overseas? Before you overhaul your portfolio, learn why you might already have more international exposure than you think. Also, Wes revisits the most important metric for your financial peace of mind in 2026: The Rich Ratio. Retirement isn't about the total size of your nest egg; it’s about the "margin" between what you have and what you need. We explain how to calculate your ratio in under 60 seconds and why "financial richness" is often achieved more quickly by lowering your "needs"—specifically by tackling "big rocks" like your mortgage. Whether your ratio is currently above or below 1.0, this simple math will provide a clear roadmap for your retirement security.
Mentioned on the show:
- A Better Way To Think About Your Net Worth
- Backdoor Roth IRA: How High Earners Can Still Contribute
- Are You Richer Than You Think? Your "Rich Ratio" Could Tell You
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 10, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments!
Learn more about Wes:Learn more about your ad choices: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
10 March 2026, 9:00 am - 35 minutes 29 seconds03.09.26 SAVE MORE On Groceries / NEW Airline Credit Card Advice
In today’s episode - We all have to buy groceries. So how do you find big savings? Clark has hard data on where the cheapest supermarket prices can be found. Also - Rising baggage fees are changing the math on airline cards. Clark shares an update and new recommendations for travel credit cards.
- SAVE MORE On Groceries: Segment 1
- Ask Clark: Segment 2
- Update: Airline Credit Cards: Segment 3
- Ask Clark: Segment 4
Mentioned on the show:
- Consumer Reports - Most and Least Expensive Supermarkets
- How to Save Money on Groceries: 22 Clever Ways - Clark Howard
- 10 Ways You're Wasting Money on Groceries - Clark Howard
- How To Get a Free Cell Phone in 2026 (Best Deals + Hidden Catch)
- Why Clark Is Making a Modification to His Travel Credit Card Advice
- United Airlines Makes Major Rewards Change to Favor These Credit Cards
- Top 10 Perks of the Capital One Venture X Rewards Credit Card
- Total Value of Capital One Venture X Rewards Credit Card Perks
- 5 Money Tips To Know Before You Travel Abroad - Clark Howard
- Is There an Affordable Way To Get Wi-Fi on a Cruise Ship?
- What’s the Best Way To Exchange Dollars for Foreign Currency?
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
9 March 2026, 9:00 am - 31 minutes 43 seconds03.06.26 Clark Answers His Critics on Clark Stinks / Renovation Reprise
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
- Why Now Is the Best Time in Years for a Home Renovation
- [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. Visit megaphone.fm/adchoices
6 March 2026, 10:00 am - 32 minutes 21 seconds03.04.26 How Interest Rates Are Set / Name Brand Foods Cut Prices
Today, Clark explains the confusion around how various interest rates are set, from savings & CDs, to credit cards and car loans. He explores the "K-shaped" economy, where a flood of cash into savings and CDs drives down returns – even at online banks, and how the "convenience trap" can cost consumers thousands on all kinds of loans. Also, good news at the grocery store: the "store brand revolution" is working. After years of price hikes, name brand giants are finally slashing prices on snacks to win back customers.
- How Interest Rates Are Set : Segment 1
- Ask Clark: Segment 2
- Groceries: Big Brand Price Cuts: Segment 3
- Ask Clark: Segment 4
Mentioned on the show:
- My 7 Rules for Using Credit Cards - Clark Howard
- Best Place to Get a Car Loan - Clark Howard
- How To Buy a House in 9 Steps - Clark Howard
- NYT: After Years of Increases, PepsiCo Pledges to Cut Prices on Snacks
- Are Car Wash Memberships Worth It? - Clark Howard
- What Is Umbrella Insurance and Do You Need It? - Clark Howard
- 5 Ways To Start Living Below Your Means - Clark Howard
- The 7 Money Habits of People Who Become Wealthy - 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
4 March 2026, 10:00 am - 36 minutes 28 seconds03.03.2026 Ask An Advisor With Wes Moss
Lump Sum Investing vs. Dollar-Cost Averaging & Is It Ever Too Late To Save for Retirement?
Wes Moss tackles one of the most paralyzing questions in finance: should you "cannonball" into the market or wade in slowly? While historical data shows that one method wins about two-thirds of the time, Wes explains why participation will always trump perfection.
Also, a sobering new study claims the average American has less than $1,000 saved for retirement. However, when you look past the headlines at the actual math, the story changes – and so does the outlook for "Late Start Larry and Lisa." If you’re in your 50s and feel like you’ve missed the boat, this segment is for you. Wes breaks down the 2026 contribution limits and shows how aggressive saving in your final working years can still turn a modest nest egg into a million-dollar retirement.
Mentioned on the show:
- How Psychology Can Make or Break Your Portfolio
- Retirement Calculators
- What’s the Average Retirement Account Balance in America?
- Is It Ever Too Late To Save for Retirement? - Clark Howard
- 8 Retirement Catch-Up Secrets for Savers 55+ - Clark Howard
- Retirement Savings Limits in 2026 - Clark Howard
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 3, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments!
Learn more about Wes:Learn more about your ad choices: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
3 March 2026, 10:00 am - 29 minutes 31 seconds03.02.26 Buy Now, Pay Later aka Pay-In-4 / Ask Your Pharmacist
Today - Nearly every purchase we make offers the “opportunity” to pay over time. Why Clark seriously despises Pay-In-4. Also, Clark addresses the worsening doctor shortage and a related profession that can help fill the gap.
- The Pay-In-4 Trap: Segment 1
- Ask Clark: Segment 2
- Ask Your Pharmacist: Segment 3
- Ask Clark: Segment 4
Mentioned on the show:
- Buy Now, Pay Later: A Helpful Tool or a Debt Trap?
- How Lemon Laws Safeguard Consumers from Defective Goods
- What Is a C.L.U.E Report and Its Impact on Your Insurance
- 5 Things To Know About Amazon Pharmacy Before You Sign Up
- Why Does Clark Howard Wear 2 Watches?
- [The Washington Post] Here’s a proven way to slow aging. Any volunteers?
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
2 March 2026, 10:00 am - 35 minutes 44 seconds02.27.26 Clark Answers His Critics on Clark Stinks / Exposed: Tiny Hotel Rooms Sacrifice Privacy
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - In newer limited service hotels, rooms have gotten much smaller - at the expense of privacy. Clark explains the trend and the criteria he checks before booking.
- Clark Stinks: Segments 1 & 2
- Micro Hotel Rooms & Privacy: Segment 3
- Ask Clark: Segment 4
Mentioned on the show:
- Charles Schwab Review: Pros & Cons - Clark Howard
- Fidelity Rewards Visa vs. Schwab Investor Card® from American Express: Which Is Best?
- Innovative Toll Solutions - Open Roads
- Federal Trade Commission - File A Complaint
- Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans
- The Surprising Thing You Need To Check Before Booking a Hotel Room
- The Best Day and Time to Book a Cheap Flight - Clark Howard
- Best Credit Cards With No Foreign Transaction Fees in 2026
- Does Your Travel Credit Card Check These 4 Boxes? - 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
27 February 2026, 10:00 am - 36 minutes 17 seconds02.25.26 Buying & Selling Gold / Why Simple Appliances Win
The frenzy surrounding gold and silver has dominated recent financial headlines. Clark explains the role of these commodities as hedges vs. investments and discusses how much (or little) you should own, and the best way to buy & sell. Also today - do big price tags equal great quality when it comes to appliances? Clark breaks down why "designer" features often mean more points of failure and why the most effective tools are simply made to last, and do one job well.
- Buying/Selling Gold: Segment 1
- Ask Clark: Segment 2
- No-Frills Appliances: Segment 3
- Ask Clark: Segment 4
Mentioned on the show:
- How To Value and Sell Coins, Jewelry and Silver - Clark Howard
- Should I Buy Gold? Is It a Good Investment? - Clark Howard
- Look Out for These Gold Bar Scams as Prices Surge
- Submit a complaint | Consumer Financial Protection Bureau
- Here's Your Estimated 2026 Tax Refund Schedule - Clark Howard
- The Best Time and Place To Buy Small Kitchen Appliances
- Here's How Long Your Home Appliances Should Last - Clark Howard
- Dacia History - Dacia Cars
- T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up
- Subscription Services: Why Canceling Is So Hard (and a Solution)
- Mint Mobile Introduces 5G Home Internet From $30/Month
- How Many Credit Cards Should I Have? - Clark Howard
- What Can I Safely Use for Peer-to-Peer Payments? - 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
25 February 2026, 10:00 am - 36 minutes 25 seconds02.24.26 Ask An Advisor With Wes Moss
Steak Night Sticker Shock & Is a Market Correction Coming?
Beef and steak prices are soaring. But beyond the grocery store and date night, it’s costing you more than you think, as Wes Moss explains. Also, Wes also address the psychological "twinge" investors feel when the stock market hits new all-time highs. What should investors do in 2026? While it’s tempting to think an all-time high is a signal to get out, history suggests the opposite.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 24, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments!
Learn more about Wes:Learn more about your ad choices: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
24 February 2026, 10:00 am - More Episodes? Get the App