Podcast · Business

The Clark Howard Podcast

by Clark Howard · English · Business

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 e

New episodes: Daily
Typical length: 33 min
Latest: 12 Oct 2026
Language: English

Latest episode

12 Oct 2026 · 25 minNew

10.12.26 Gas Prices & Vehicle Choice / Is Price Tech Stalking You?

With gas prices squeezing wallets, you might be tempted to trade in your current ride for a fuel-efficient hybrid or EV. However, making a permanent financial decision based on a temporary spike in gas prices can cost you thousands in the long run. Before you swap keys to save on fuel, make sure the math actually works for your budget. Also, Clark sets the record straight on a viral Walmart rumor. Stores are rapidly replacing paper price tags with digital shelf labels, leading some to believe Walmart is tracking individual phones to dynamically surge prices as you walk down the aisle. What’s…

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Earlier episodes 29 most recent

9 Oct 2026 · 35 min
10.09.26 Clark Answers His Critics on Clark Stinks / Home Monitoring Tech
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, is your home insurance company offering free smart tech? It is becoming increasingly common for insurers to send free monitoring devices to prevent two of the biggest – and costliest – headaches homeowners face: electrical fires and water damage. Such offers can be a win-win - for the insurer AND home owner. All this and more on the October 9, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Home Monitoring Tech: Segment 3 Ask Clark: Segment 4 Mentioned on…
7 Oct 2026 · 31 min
10.07.26 Interest Rates: Both Sides Of The Coin
Interest rates are up, and Clark addresses how to maximize savings, and what mortgage rates mean for the housing market. The giant monster mega banks are paying an insulting 0.01% on savings accounts, essentially a zero return. What rate should you be looking for elsewhere? Meanwhile, the housing market shifts yet again as 30-year mortgage rates hit 7%, crushed by geopolitical instability and inflation. However, there’s a clear silver lining for potential buyers: high rates have stalled the market, forcing sellers into price cut capitulation. If you can afford the monthly payment, buying at…
6 Oct 2026 · 27 min
10.06.26 Ask An Advisor With Wes Moss
Interest Rate Spike: Panic or Opportunity? & 7 Most Important Ages In Retirement Planning Why are bond yields climbing so rapidly, and what does it mean for your money? Wes Moss breaks down the massive shift in the $51 trillion U.S. bond market and why higher interest rates might actually be good news for your portfolio. Plus, Wes walks through the seven most important retirement planning ages every investor needs to mark on their calendar. Mentioned on the show: KFF is a nonpartisan health policy organization The Overlooked 'Rule of 55' Could Unlock an Earlier Retirement A Simple Rule for…
5 Oct 2026 · 28 min
10.05.26 DIYing to SPEND LESS / Steel Your Heart Against ROMANCE SCAMS
Cut Your Bills by DIYing & Protect Yourself From This Devastating Online Scam "Necessity is the mother of invention"—that classic adage takes on new meaning under today’s cost pressures. High prices are driving many to look for creative ways to stretch a dollar, from scoping out everyday deals to embracing DIY projects. Instead of relying on expensive professionals for every task, leaning into basic home skills, repairs, and crafting can keep hard-earned money in your pocket – and possibly evolve into a profitable side hustle. Also, Clark exposes the dangerous mechanics behind online romance…
2 Oct 2026 · 38 min
10.02.26 Clark Answers His Critics on Clark Stinks / Health Insurance Sticker Shock
Clark Stinks & Why Health Insurance Costs Are Surging (and How To Prepare) Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, healthcare costs are surging nationwide, and Americans are feeling the squeeze whether they get coverage through an employer or buy a plan on the state exchanges. With exchange premiums set to jump up to 20% in hard-hit areas and employer health benefit costs projected to spike at the highest rates in decades, navigating this open enrollment season will require making tough, strategic choices. Take the…
30 Sep 2026 · 33 min
09.30.26 Financial Scam Prevention / Travel Updates
Alert: Bank Imposter Scam Draining Life Savings & Shocking Truth About Travel Costs Right Now Clark exposes a dangerous financial scam that is draining people’s entire life savings and explains why your protections might not apply if you fall for it. Financial imposter scams are becoming sharper and more sophisticated. Clark shares the single mandatory step you must take whenever you receive an urgent alert from a fraud department to keep your hard-earned money safe. Plus, if you're planning a vacation, Clark reveals why shoulder season travel savings have practically vanished this year and…
29 Sep 2026 · 34 min
09.29.26 Ask An Advisor With Wes Moss
Secret to Giving Yourself 'Permission to Spend' in Retirement & Are Pensions Back? Wes dives into new research showing that median-wealth retirees underspend their potential income by 8% – and wealthier retirees underspend by a staggering 47% to 53%. Wes breaks down the psychological difference between spending assets versus spending income streams, and the little-known shift that can give you the "license to spend" without locking your money away in an annuity. Plus, are pensions making a surprise comeback? Wes explores recent Wall Street Journal data showing thousands of companies adding…
28 Sep 2026 · 28 min
09.28.26 TIPS Vs Bonds / How To Protect Your Social Security Now
How To Inflation-Proof Your Portfolio & The Free Account Everyone Needs To Set Up Before Retirement Navigating your investments as you age can get confusing, especially when rising interest rates make traditional bond funds a scary prospect. While young investors can comfortably ride out stock market volatility, those approaching their late 50s and beyond need a more balanced portfolio to protect their hard-earned money. Instead, consider Treasury Inflation-Protected Securities (TIPS) as a powerful, inflation-proof alternative to standard bonds, as Clark explains. Also, there is an urgent…
25 Sep 2026 · 33 min
09.25.26 Clark Answers His Critics on Clark Stinks / Price Drop: Athletic Shoes
Clark Stinks & Deal Alert: Running Shoes Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, running and walking shoe prices are finally dropping, creating a massive money-saving opportunity for your wallet. Major retailers like Dick’s Sporting Goods are feeling the squeeze from an oversupplied market and slowing consumer demand, leading to deep discounts across nearly every major brand. Whether you need a fresh pair for daily walks or serious training, now is the time to skip full retail and lock in major savings across the…
23 Sep 2026 · 33 min
09.23.26 How To Shop Home Internet / College Savings Strategies
Is Your Internet Provider Ripping You Off? & How Clark Finished College Fast To Save Money Are you still paying the "inertia tax" on your home internet? As giant cable megamergers reshape the market, big providers are steadily jacking up prices on customers who stay on autopilot – just like old landline companies did decades ago. Clark reveals how to break free from the cable monster. Plus, with student loan interest rates soaring and college costs out of control, Clark breaks down the growing trend of 3-year bachelor's degree programs. Drawing on his personal experience of rushing through…
22 Sep 2026 · 36 min
09.22.26 Ask An Advisor With Wes Moss
The Dark Side of Retirement (and How To Avoid It) & Lump Sum vs. Monthly Pension Decision Tree Retirement is often touted as the ultimate goal, but Wes reveals why reaching the finish line can bring unexpected challenges. Wes exposes the sobering statistics behind aging in America, emphasizing why true retirement success requires building a "portfolio of purpose" alongside financial security. Also, Wes breaks down his brand-new decision tree to help you settle the age-old debate of choosing a lump sum versus monthly pension payouts, introducing his straightforward 6% Rule and four key…
21 Sep 2026 · 26 min
09.21.26 HELOCked Into A Debt Trap / New Vehicles Under $40,000
The banks are at it again, and Clark wants to make sure you don't fall into a dangerous debt trap. Home equity levels are at record highs as financial institutions aggressively push homeowners to tap equity with HELOCs and cash-out refinances to pay off credit cards or fund lifestyle expenses. Clark explains why turning your home's equity into high-interest debt is a massive financial risk, how it mimics the harmful bank tactics of 20 years ago, and why keeping your low fixed-rate mortgage intact is critical for long-term stability. On the auto front, while major manufacturers continue…
18 Sep 2026 · 32 min
09.18.26 Clark Answers His Critics on Clark Stinks / AI Baby Monitors?
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, there are new tools for parents to keep track of their babies' health and sleep. These are much more sophisticated than old fashioned monitors. Is there cause for concern? Smart monitors and AI-powered devices are now tracking everything from sleep patterns and health metrics to developmental milestones and growth rates right from birth. While these analytics are popular with parents used to tracking their own health data, you have to ask: who else is watching? Before you…
16 Sep 2026 · 31 min
09.16.26 Auto Insurance Warning / Social Media Scam Ads
Clark drops an urgent warning for vehicle owners regarding a massive spike in auto insurance claim denials. If you let a friend, colleague, or extended family member borrow your vehicle to run a quick errand, you could be setting yourself up for financial disaster. Also, a sleazy car insurance tool has made an AI video of Clark endorsing its product. This is happening all over social media. Clark tackles the explosion of sophisticated AI-generated scams plaguing social media platforms like Facebook. From deepfake videos using Clark’s own voice and image to pitch bogus insurance products, to…
15 Sep 2026 · 33 min
09.15.26 Ask An Advisor With Wes Moss
How To Build Wealth Without a Tech Job & Hidden Dangers of Coast FI Forget the myth that you have to work on Wall Street or in Silicon Valley to build massive wealth. Wes reveals the power of the "Everywhere Millionaires" – the 3 million Americans who have accumulated a collective $65 trillion by building unglamorous, low-tech, and non-tech businesses. Discover why tactile, essential industries are producing some of the richest entrepreneurs in the country (including a former hot dog stand owner who sold his business for $1 billion). Then, Wes issues a crucial warning for young investors…
14 Sep 2026 · 32 min
09.14.26 Home Security Cams / StubHub’s Ticket To A Reckoning
Think you need an expensive, full-blown security system to protect your home? Think again. Clark shares how even a single inexpensive security camera can serve as a massive deterrent against burglars. While surveillance technology certainly has its privacy drawbacks, Clark breaks down the major safety benefits for homeowners. Plus, long considered a reliable platform bringing legitimacy to ticket resale, StubHub is now facing intense backlash from customers stranded at major events like the World Cup. Clark discusses findings from a Wall Street Journal report detailing how the company…
11 Sep 2026 · 36 min
09.11.26 Clark Answers His Critics on Clark Stinks / Data Centers
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, data centers being built around the country have been polarizing, but one thing is for certain: your electricity bills are going up. Clark describes how the deals are done - often out of public view, who should rightfully pay the freight, and issues a critical call to action. All this and more on the September 11, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Data Centers- A Call To Action: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why Clark…
10 Sep 2026 · 36 min
09.10.26 Ask An Advisor With Wes Moss
Rapid Fire Q&A: The "Happiest Retiree" Pet Factor, RMD Alternatives, Fidelity’s New Annuity + More Questions Answered Welcome to our first monthly "Rapid Fire Thursday" episode of Ask an Advisor! Today, Wes Moss is opening up the listener mailbag to answer your direct financial questions. We’re covering a wide range of topics: from how pets fit into the "Happiest Retirees" research, to whether UTMA accounts or Trump Accounts beat out a classic 529 plan for college and savings goals. Plus, we address pension life insurance strategies, handling portfolio planning with reduced life expectancy,…
9 Sep 2026 · 35 min
09.09.26 Price Versus Quality / Healthcare, Retirement & Job Lock
Would you pay a lower price for lower quality? Clark readily admits he would - in some cases. Is buying the absolute cheapest option actually saving you money, or is it a hidden trap? Clark breaks down the everyday dilemma between price and long-term quality, sharing where he happily goes rock-bottom cheap (like flat-screen TVs) versus where paying a bit more pays off for safety, durability, and real value. Also, are you staying in your job to keep your benefits? Nearly 1 in 4 Americans are stuck in jobs they want to leave simply because they can't afford to lose their health coverage. Clark…
8 Sep 2026 · 36 min
09.08.26 Ask An Advisor With Wes Moss
Why the "K-Shaped" Economy is WRONG & What Rising Interest Rates Mean for You Is the "K-shaped" economy an accurate description of what Americans are experiencing today? Wes breaks down why the economy looks less like a "K" and more like an "E" — and what that means for your money, spending, and job prospects. Wes also tackles the burning question on every investor and homeowner's mind: What happens if interest rates keep rising? From the 10-Year Treasury yield to the inverse relationship between interest rates and bond prices, learn how potential rate hikes could impact your mortgage, car…
4 Sep 2026 · 41 min
09.04.26 Clark Answers His Critics on Clark Stinks / Clark & Wes Talk Retirement
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark discusses retirement with Wes Moss including how we can plan for not only a solid financial future, but a happy one as well. Clark Stinks: Segments 1 & 2 Clark & Wes On Retirement: Segments3 & 4 Mentioned on the show: Why Property Taxes Are Soaring (and How To Fight Back) Why You Need To Lock Your Brokerage Account Today Why Your HOA Fees Are Skyrocketing - Clark Howard The Biggest Investing Lesson From Trump Accounts - Clark Howard T-Mobile Retires Legacy Plans: Expect…
2 Sep 2026 · 31 min
09.02.26 Timeshare Trap / Shopping Amazon A Better Way
A surprising new study shows that Millennials and Gen Z account for 80% of all new timeshare purchases. In an era where homeownership feels increasingly out of reach for younger generations, buying into a timeshare might offer a psychological sense of owning real estate—but it is one of the worst financial traps you can walk into. Also, how can you tell if something is a fake brand or not? There is a helpful new browser extension called Knockoff designed to clean up your Amazon search results. Because Amazon functions largely as a third-party marketplace and fulfillment house, the platform…
1 Sep 2026 · 35 min
09.01.26 Ask An Advisor With Wes Moss
In this episode, Wes shares why retiring as soon as possible is more critical than most people realize. He highlights why waiting too long can cost you the best, most active years of your life, and explains how the Retire Sooner Method helps you shave years off your career so you can enjoy true freedom while you still have the energy to use it. Also, Wes tackles one of the biggest threats facing new retirees today: Sequence of Returns Risk. Even in a strong market, market downturns in the first few years of retirement can drastically alter your long-term wealth. Through a side-by-side…
31 Aug 2026 · 50 min
08.31.26 Shopping Healthcare / Dealing With Debt Collection
The American healthcare and financial systems can feel deeply broken, but you are not powerless. With healthcare costs skyrocketing and deductibles growing larger every year, many people feel trapped when facing a medical procedure. Clark shares an instructive real-world story from The Washington Post, explaining how price transparency (and lack thereof) impacts your wallet and why price-shopping non-emergency medical procedures is essential for protecting your savings. Clark also addresses the growing wave of financial stress facing millions of households now. As inflation strains budgets…
28 Aug 2026 · 37 min
08.28.26 Clark Answers His Critics on Clark Stinks / AI & The Tech Effect On Employment
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, every time a major technological shift happens, we hear predictions of widespread job destruction—and the rapid rise of Artificial Intelligence is driving those fears to a whole new level. Clark breaks down what the AI boom actually means for your paycheck, how tech expansion shifts hidden costs onto consumers, and the concrete steps you can take today to pivot, re-educate, and make your career resilient against technological change. All this and more on the August 28, 2026,…
26 Aug 2026 · 34 min
08.26.26 Food Tossed Is Money Lost / Couples Currency: Best Practices
With food prices sky high, food waste is an area of real concern - and potential savings. Clark breaks down the truth behind confusing expiration dates like "Best By" versus "Use By" as marketing tactics designed to get you to buy more often. Also, Clark tackles a critical and all too common relationship issue: one partner completely in the dark about household money. A household culture of "he handles it" or "she takes care of that" is a pathway to financial stress, hidden debt, and complete chaos if the unexpected occurs. Clark discusses how couples can maintain financial independence…
25 Aug 2026 · 24 min
08.25.26 Ask An Advisor With Wes Moss
In this special episode, fiduciary financial advisor Wes Moss answers your top questions on high-yield savings accounts, college planning, investing for grandchildren, preparing for retirement, and more. Whether you’re dealing with falling savings rates or trying to navigate high-yield dividend options, Wes breaks down the practical strategies you need to keep your money working for you. Mentioned on the show: Where Should You Keep Your Cash Reserve? - Clark Howard Backdoor Roth IRA: How High Earners Can Still Contribute The Biggest Investing Lesson From Trump Accounts - Clark Howard Best…
24 Aug 2026 · 32 min
08.24.26 The U.S. Savings Rate / Home Buyer Warning
The latest financial data shows the U.S. savings rate has dropped to an alarming rate. While many households are struggling just to cover the basics, many middle and upper-middle-class families are falling into the lifestyle trap. Find out what the new rate is and what you should aim for instead. Also today, new commission structures for home buyer agents are proving problematic. Recent lawsuit settlements were supposed to make agent commissions more transparent and negotiable for home buyers. Instead, the law of unintended consequences has created a nightmare for consumers. If you are…
21 Aug 2026 · 32 min
08.21.26 Clark Answers His Critics on Clark Stinks / WARNING: Online Medical Services
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, many Americans are ordering medications from online websites and pharmacies, and a major player is being sued by the FTC. Online medical services promising quick prescriptions for sensitive conditions seem convenient, but they could be costing you more than money—they might be handing over your private health data. Clark discusses the broader boom of direct-to-consumer online doctor services and why you need to protect both your wallet and your privacy. All this and more on…

About The Clark Howard Podcast

The Clark Howard Podcast is a English business podcast from Clark Howard. Melo plays each episode straight from the publisher's own feed — no ads added, no account needed — and remembers where you stopped, in this browser only.

Publisher: Clark Howard
Language: English
Category: Business
New episodes: Daily
Typical length: 33 min
Latest episode: 12 Oct 2026
Feed: RSS — paste into any podcast app
Apple Podcasts: podcasts.apple.com/podcast/id207724573

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