The Clark Howard Podcast
Business & Finance
About
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 valuab...
Episodes
- 05.13.26 The True Cost Of 401(k) Loans / A New Era in Auto Sales
This episode of The Clark Howard Podcast discusses the long-term consequences of taking out 401(k) loans, emphasizing the potential loss of compounded interest. It also explores changes in the auto sales industry, including Amazon's partne…
- 05.12.26 Ask An Advisor With Wes Moss
In this episode of The Clark Howard Podcast, Clark Howard and Wes Moss answer listener questions about personal finance. Topics include Roth 401k options, the differences between Roth and Traditional 401(k)s, and how high earners can utili…
- 05.11.26 Real Estate Investing In Today’s Market / Job Market Update
Clark Howard discusses the current real estate market, advising against flipping homes as the math rarely works for average investors and explaining when a healthier investment environment might appear. He also highlights the strong job ma…
- 05.08.26 Clark Answers His Critics on Clark Stinks / Pay Off Your Mortgage or Invest?
In this episode, Clark Howard addresses listener feedback in his "Clark Stinks" segment. He also delves into the financial decision of whether to pay off a mortgage or invest, providing guidelines and introducing a new calculator to assist…
- 05.06.26 Negotiating Medical Bills / Use Gift Cards ASAP
Clark Howard discusses negotiating medical bills and managing healthcare costs. He also explains the importance of using gift cards quickly due to retail instability.
- 05.05.26 Ask An Advisor With Wes Moss
On The Clark Howard Podcast, Wes Moss discusses college graduate employment trends, refuting concerns about AI impact. He also analyzes the strength of the US dollar in the global economy, addressing de-dollarization claims. This episode p…
- 05.04.26 Invitation To A SCAM / How To Handle Debt Collectors
This episode discusses a new party invitation email scam that aims to steal personal and financial information. It also provides advice on how to handle debt collectors, including identifying legitimate agencies and seeking help with debt…
- 05.01.26 Clark Answers His Critics on Clark Stinks / Security Cameras - Privacy Backlash
This episode of The Clark Howard Podcast features Clark addressing listener comments in "Clark Stinks." He also discusses the privacy concerns surrounding security cameras and their data implications. Additional topics include credit card…
- 04.29.26 Spring Financial To-Do List / This “Escape” Is Still a Money Trap
Clark Howard offers financial advice on spring cleaning finances, tackling subscription creep, and warns about vacation plans, which are essentially timeshares. He emphasizes the importance of tracking expenses and avoiding permanent finan…
- 04.28.26 Ask An Advisor With Wes Moss
Wes Moss discusses the decline in retirement confidence and compares financial advisors to fiduciaries. He provides advice on how to choose a financial advisor and understand their contract.
- 04.27.26 Why Millionaires Feel Broke / How To Spot 'Ghost Job' Scams
Clark Howard explores the psychological aspects of financial insecurity among high earners and offers solutions. Additionally, he provides advice on identifying and evading prevalent 'ghost job' job scams.
- 04.24.26 Clark Answers His Critics on Clark Stinks / PROM Pummels Purse!
In this episode, Clark responds to listener feedback in the 'Clark Stinks' segment and offers advice on avoiding excessive spending during prom season. The show also covers various listener questions and consumer resources.
- 04.22.26 Couples & Money / Cruise Ship Retirement
Clark Howard discusses the importance of discussing finances when merging money as a couple. Additionally, he analyzes the financial feasibility of retiring on a cruise ship in the post-COVID era.
- 04.21.26 Ask An Advisor With Wes Moss
Wes Moss discusses the psychological challenges of transitioning into retirement for high-achievers and analyzes current economic disparities. The episode also includes a listener Q&A session.
- 04.20.26 Subscription-Free Security Cameras / Fast vs. Free Delivery
This episode discusses DIY home security cameras that do not require subscription fees and examines the trade-offs between ultra-fast and delayed shipping options for online purchases.
- 04.17.26 Clark Answers His Critics on Clark Stinks / Booking Travel - New Guidance
In this episode of The Clark Howard Podcast, Clark addresses listener feedback in a Clark Stinks segment and shares new guidance on booking travel amid rising fuel costs. He also discusses various consumer topics including SIM card swappin…
- 04.15.26 Two Sides To AI In Real Estate / Study Abroad An A+ Move
This episode examines the dual impact of AI on the real estate market, from unreliable listing photos to improved mortgage applications. Additionally, Clark discusses how studying abroad can positively influence a graduate's starting salar…
- 04.14.26 Ask An Advisor With Wes Moss
In this episode, Wes Moss discusses strategies for selecting and financing a retirement home, including managing the sale of a current property and avoiding financial pitfalls. The episode also includes a recurring segment answering listen…
- 04.13.26 Self-Storage Savvy / Heir Apparent: Plan & Preserve Your Estate
Clark Howard discusses strategies for avoiding price hikes at self-storage units and outlines steps for smart estate planning to help prevent family conflicts. He also addresses listeners' questions on consumer finance topics.
- 04.10.26 Clark Answers His Critics on Clark Stinks / Scammers Going For Broke
In this episode of The Clark Howard Podcast, Clark addresses listener criticism in the 'Clark Stinks' segment and discusses the rise of sophisticated scams targeting retirement accounts. He also provides guidance on protecting assets and a…
- 04.08.26 Booking Rules Of Travel / Cell Phone Bans
Clark Howard provides strategies for booking travel amidst rising costs and discusses the increasing trend of cell phone bans in various public spaces and schools.
- 04.07.26 Ask An Advisor With Wes Moss
Wes Moss joins the Clark Howard Podcast to discuss why many Americans feel financially behind, the risks associated with pension lump-sum withdrawals, and how to build long-term wealth. The episode also features an Ask Wes segment addressi…
- 04.06.26 How To Invest for $0 / AI in Healthcare
This episode of The Clark Howard Podcast explores low-cost investment strategies and the benefits and risks of using AI for health monitoring. Clark Howard also answers listener questions on various financial and consumer topics.
- 04.03.26 Clark Answers His Critics on Clark Stinks / Protect Your Phone & Accounts
In this episode, Clark responds to listener feedback in the "Clark Stinks" segment and discusses evolving security threats affecting mobile phones and accounts. He also provides information on protecting devices and using passkeys for enha…
- 04.01.26 Adjustable Rate Mortgages - A Waning / High Deductible Health Plans
Clark Howard discusses the risks associated with adjustable-rate mortgages and the implications of high-deductible health plans. He examines why lenders promote ARMs and explains the financial dangers of relying on catastrophic-only health…
- 03.31.26 Ask An Advisor With Wes Moss
Wes Moss discusses financial strategies for child savings accounts, his 'Retire Sooner' method, and how it compares to the FIRE movement. He also answers listener questions sent to the Clark Howard podcast.
- 03.30.26 The Credit Bureaus: Errors & Apathy / Sticker Shock: New Smart Phones
Clark Howard discusses the rise in credit report inaccuracies and provides guidance on addressing these errors. He also analyzes why smart phone prices are increasing due to industry shortages and offers advice on whether to upgrade now or…
- 03.27.26 Clark Answers His Critics on Clark Stinks / Avoid Two Costly 401(k) Mistakes
In this episode, Clark Howard responds to listener feedback during the Clark Stinks segment and discusses how to avoid two common 401(k) mistakes. He also explores strategies for maximizing retirement investments while minimizing future ta…
- 03.25.26 Home Insurance Spy Drones / K-Economy Price Patterns
Clark Howard discusses the use of drones and AI by insurance companies to inspect properties and examines current retail pricing strategies targeting different consumer spending levels. He also provides tips for navigating these pricing pa…
- 03.24.26 Clark + Wes: Investing During Global Conflict & Sneaky Risks of Private Credit
Clark Howard and Wes Moss discuss the impact of global conflict on investments, oil prices, and the economy. They also explain the differences between private equity and private credit, providing a warning regarding the risks associated wi…
- 03.23.26 SAVE MORE On Gasoline And Printer Ink
Clark Howard discusses strategies for saving money on gasoline, evaluates the value of used electric vehicles, and explains how to avoid high costs associated with printer ink. The episode also features segments answering listener question…
- 03.20.26 Clark Answers His Critics on Clark Stinks / Airfare Booking Strategy
In this episode, Clark responds to listener feedback in the "Clark Stinks" segment and provides strategies for managing airfare costs amidst rising fuel prices. The show also covers various consumer resources, including information on trav…
- 03.18.26 Where NOT To Invest - NEVER EVER / The Grandparent Trap
Clark Howard discusses why major banks are often poor choices for investments and provides tips on protecting the financial savings of grandparents. The episode also includes answers to listener questions.
- 03.17.23 Ask An Advisor With Wes Moss
Wes Moss discusses the impact of Middle East oil supply disruptions on the market and the trend of AI-driven workplace burnout. He also answers listener questions regarding portfolio rebalancing and other financial topics on this episode o…
- 03.16.26 Best Auto Insurers / Discounters Go Wide
Clark Howard discusses trends in the auto insurance industry and how consumers can find high-quality providers. He also explores the rise of discount retailers and the impact of the multi-price strategy at Dollar Tree.
- 03.13.26 Clark Answers His Critics on Clark Stinks / FREE Tuition
In this episode, Clark Howard responds to listener feedback during the Clark Stinks segment and discusses the rise of tuition-free degree programs as colleges compete for students. He also provides resources on finding these tuition-free o…
- 03.11.26 Retirees Returning to Work / Medical Privacy Warning
This episode discusses the trend of retirees returning to the workforce due to financial needs and offers retirement planning strategies. It also explores potential medical privacy risks associated with online health testing memberships an…
- 03.10.26 Ask An Advisor With Wes Moss
In this episode, Clark Howard and Wes Moss discuss whether investors should prioritize international stocks over U.S. markets and explain how to use the "Rich Ratio" to measure retirement security. They also look at strategies for reducing…
- 03.09.26 SAVE MORE On Groceries / NEW Airline Credit Card Advice
Clark Howard shares research on the most affordable grocery stores and provides updated advice on choosing airline credit cards in light of rising baggage fees. The episode also includes answers to listener questions about personal finance.
- 03.06.26 Clark Answers His Critics on Clark Stinks / Renovation Reprise
Clark Howard responds to listener feedback in the "Clark Stinks" segment and discusses whether it is the right time to undertake home renovations or build an ADU given current market shifts.
- 03.04.26 How Interest Rates Are Set / Name Brand Foods Cut Prices
Clark Howard explains how different interest rates are determined, discusses the impact of the K-shaped economy on savings, and highlights price cuts by major snack brands at grocery stores. The episode also includes a Q&A segment with lis…
- 03.03.2026 Ask An Advisor With Wes Moss
Wes Moss discusses lump sum investing versus dollar-cost averaging and evaluates retirement saving strategies for individuals starting late. The episode also reviews recent findings on American retirement savings and outlines 2026 contribu…
- 03.02.26 Buy Now, Pay Later aka Pay-In-4 / Ask Your Pharmacist
In this episode, Clark Howard discusses the risks associated with "Buy Now, Pay Later" services and examines how pharmacists can help address the impacts of the doctor shortage. He also answers listener questions on various consumer financ…
- 02.27.26 Clark Answers His Critics on Clark Stinks / Exposed: Tiny Hotel Rooms Sacrifice Privacy
In this episode, Clark Howard responds to listener feedback during the Clark Stinks segment and discusses the trend of shrinking hotel rooms and its impact on privacy. He also provides guidance on how to evaluate hotel room sizes before bo…
- 02.25.26 Buying & Selling Gold / Why Simple Appliances Win
In this episode, Clark Howard discusses the role of gold and silver as financial hedges and analyzes the value of simple, durable appliances versus expensive designer models. He also answers listener questions and provides resources for ma…
- 02.24.26 Ask An Advisor With Wes Moss
In this episode of The Clark Howard Podcast, guest Wes Moss discusses rising beef and steak prices and provides professional insight on navigating stock market performance during all-time highs. The episode also features a segment answerin…
- 02.23.26 Invested Savings: ETFs vs. Mutual Funds / The Truth About Pet Wellness Plans
In this episode, Clark Howard discusses the differences between ETFs and mutual funds for non-retirement accounts. He also examines the potential drawbacks of pet wellness plans compared to other options for veterinary care.
- 02.20.26 Clark Answers His Critics on Clark Stinks / Crypto - A Different Perspective
In this episode, Clark responds to listener feedback in the "Clark Stinks" segment. Additionally, he provides his perspective on cryptocurrency and offers guidance regarding its speculative nature following recent market slides.
- 02.18.26 Relocating Overseas / Debt Trap Exit Strategies
Clark Howard discusses considerations and incentive programs for relocating abroad. Additionally, he provides various strategies for paying off credit card debt and managing finances.
- 02.17.26 Ask An Advisor With Wes Moss
In this Ask An Advisor episode, Wes Moss discusses how entrepreneurs might strategically use retirement accounts to manage business cash flow. He also analyzes the January 2026 U.S. labor market report and its implications for investment p…