The Clark Howard Podcast

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

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

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:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

How you invest savings can make a big difference in how much you have later in life. Clark explains ETFs (Exchange-Traded Funds) vs. mutual funds - and the superior choice for your non-retirement accounts.  Also, we love our pets and pet wellness plans may sound like a solid option for affordable vet care – but there’s a major catch. ETFs vs Mutual Funds: Segment 1 Ask Clark: Segment 2 Pet Wellness Plans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ETFs vs Mutual Funds: What’s the Difference and When Does It Matter? Where Should I Set Up My Health Savings Account (HSA)? Life Insurance Archives - Clark Howard HSA vs FSA: What's the Difference? - Clark Howard Warning: Read This Before You Buy a Pet Wellness Plan Is Pet Insurance Worth It? - Clark Howard 4 Fastest Ways To Improve Your Credit - Clark Howard Credit Karma Review: Free Credit Score and More at Your Fingertips Southwest changes are infuriating fansClark.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 - with the recent Bitcoin slide costing people millions, and concerns of a possible “crypto winter”, Clark shares his perspective on Crypto and guidance for those interested in this still speculative endeavor.  Clark Stinks: Segments 1 & 2 Clark On Crypto: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Trump Accounts: What You Need To Know - Clark Howard Best 529 College Savings Plans By State Free File Fillable Forms | Internal Revenue Service Best Travel Credit Cards: How To Find the Perfect Fit for Your Spending Car Rental Insurance: Everything You Need To Know When Should You File a Claim on Your Homeowners Insurance? NYTimes: Crypto Takes a Deep Slide Despite Trump’s Support How to Refinance Your Student Loans - Clark Howard Clark Howard's Guide to Saving Money on Your Wedding Is Chase Sapphire Reserve® Worth It? - 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

Should You Use Your “Sacred” Retirement Fund To Save Your Business? & 2026 Jobs Outlook As rapid technological shifts ripple through every industry, many entrepreneurs are finding themselves in a temporary cash flow crunch. While retirement accounts are often viewed as a "sacred chest" that shouldn't be touched, Wes Moss explores how to strategically leverage your brokerage and Roth IRA accounts to bridge the gap. Also, Wes dives deep into the latest data from the U.S. labor market to see what it actually means for your portfolio. Despite some "ancient history" revisions from 2025 that initially painted a gloomy picture, the January 2026 jobs report tells a much more resilient story. Whether you’re managing a business or a retirement timeline, understanding these labor trends is key to staying invested with confidence. Mentioned on the show: Asset Class Returns A Jack Bogle Lesson: Remember Reversion to the Mean How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion What Is Long-Term Care Insurance Cost & Coverage Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 17, 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: 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - Amid the steady parade of layoff announcements Clark offers some perspective on today’s job market, a prediction for the spring hiring season, and strategy for moving forward.  Clark Stinks: Segments 1 & 2 Job Market Prediction: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When Is the Best Time To Collect Social Security? - Clark Howard Why Clark Howard Says It Isn't a Good Time To Become a Landlord How to Freeze Your Child's Credit - Clark Howard Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? What Is an ABLE Account? - Clark Howard Best Auto Insurance Companies and Some of the Worst Are Solar Panels Worth it? 3 Things To Consider Clark Howard’s Digital Wallet Strategy Jobs Archives - Clark Howard Clark Howard’s Job Market Prediction in 2026 What to Do When You're Being Harassed About an Old "Zombie Debt" This Device Can Help You Avoid an Annoying Car Rental Fee FasTrak throughout California 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

It’s tax season - and many Americans are going to receive higher than expected refunds. Guess what Clark wants you to do with extra money? And what about your withholding for this year? Also today,  more clarity on Trump accounts. While the federal government is seeding these accounts with $1,000 for newborns, proceed with caution. Clark tells you how these work, who benefits, and who does not. Tax Refunds & Withholding: Segment 1 Ask Clark: Segment 2 Trump Accounts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Reasons Why This Is the Best Time of the Year To File Your Taxes Why You Do Not Want To Get a Big Tax Refund Check - Clark Howard Is One Medical Membership for Prime Members Better Than a Health Concierge? Direct Primary Care: A new solution for rising health care costs? Should I Use a Credit Card or Give Up My Bank Account Info To Save 2.3%? Roth vs. Traditional 401(k): What's the Difference? - Clark Howard Trump Accounts: What You Need To Know Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? BBB-File a Complaint 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Why Everything Still Feels Expensive & Growth vs. Value Stocks: Which Is Best? Is inflation going away? The reality is that while the rate of change might slow down to 2% or 3%, the cumulative "stacking" of past inflation remains, leaving consumers anchored to old prices while fighting for higher wages. Wes Moss explores why we can’t afford to get complacent and how this cycle is exactly why we invest in the first place. Also, Wes peels back the layers of the market to examine the two main "flavors" of investing: Growth vs. Value. Using the analogy of apples, Wes breaks down the fundamental differences between the fast-moving, low-dividend world of Growth stocks (like Amazon) and the mature, dividend-heavy world of Value stocks. Which fits best in your portfolio? Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 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:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Significant numbers of both chain and independent restaurant closures are happening around the country now, and with that - Clark has a dinner bell warning for you.  Also - As fierce winter storms ravage regions of the country with lengthy power outages,  new tech is ushering in the rise of affordable home battery backups.  Got Restaurant Gift Cards?: Segment 1 Ask Clark: Segment 2 Home Battery Backup Power: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Why You Need To Use Your Gift Cards ASAP Why You Need To Print Out Your Online Billing Statements 7 Things To Know Before You Use Zelle - Clark Howard What Can I Safely Use for Peer-to-Peer Payments? - Clark Howard WSJ: Why I’m Getting a Home Battery Backup Before the Next Outage How To Open a Roth IRA Travel Alert: Requirement for UK Travelers Scams and Your Small Business: A Guide for Business Cheapest Way to Rent a Car: Expert Tips - 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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today, Clark shares housing market predictions through the rest of 2026 and why he considers this a “transition year” in housing.  Clark Stinks: Segments 1 & 2 Housing Market Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 9 Free Federal and State Tax Filing Services for 2026 - Clark Howard Free File Fillable Forms | Internal Revenue Service Is Annual Travel Insurance Worth It? - Clark Howard Clark Howard and the Prostate Cancer Foundation Target Date Funds: Clark Howard's Favorite Retirement Investment Should You Allow Your Auto Insurance To Monitor Your Driving? Pay-Per-Mile Insurance: Is It Worth It? - Clark Howard What To Do BEFORE Your CD Expires - Clark Howard The Math On When You Break Even With Social Security What Will Happen to Housing Prices in 2026? Builders Are Offering Big Mortgage Incentives — What Homebuyers Should Watch For What Is Umbrella Insurance and Do You Need It? - Clark Howard The Best International Phone Plans - Clark Howard Using Cellular Data Internationally: Buying a Local SIM Card 3 Reasons You Should Never Book a Nonrefundable Hotel Room 5 Things You Should Re-Shop To Save Money - 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

Valentine’s Day approaches. What can spoil the romance in any relationship? Fighting over money. Clark emphasizes the importance of ongoing "low-voltage" conversations around financial goals.   Also - What paperwork should you hang onto and for how long? Clark’s guide provides a clear strategy for organizing your financial life and protecting your assets. Couples & Money: Segment 1 Ask Clark: Segment 2 Record Keeping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 14 Ways to Save on Valentine's Day Clark Howard's 5 Money Tips for Couples What Is Umbrella Insurance and Do You Need It? 7 Most Common Financial Regrets Which Documents Should You Keep and for How Long? Amortization Calculator and Schedule - Clark Howard How Can I Fight an Unfair Rental Car Charge? Why Clark Howard Refuses To Rent a Car From Hertz BBB-File a Complaint Chase Sapphire Reserve® vs. Chase Sapphire Preferred® Card: Which Travel Card Is Best For You? 5 Things to Know About the Costco Car Rental Program Car Rental Insurance: Everything You Need To Know Credit Card Car Rental Insurance: What You Need To Know 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/adchoice Learn more about your ad choices. Visit megaphone.fm/adchoices

Dollar vs. Gold: Why You Don’t Need To Panic & #1 Retirement Fear (and Ways To Let It Go) While recent headlines might suggest the dollar is "plunging" as gold and silver prices soar, Wes Moss provides a grounded perspective on why the decline, while significant, is still well within historical ranges, and why he believes our economy is still strong. Also, Wes dives into the top fear facing Americans: the fear of running out of money in retirement. As humans, we are wired to prioritize protection and survival, but letting this fear dictate your financial strategy can be counterproductive. Wes breaks down the research behind this common anxiety and introduces five actionable steps designed to eliminate financial dread and help you regain confidence in your long-term plan. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the February 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:  BOOKS BY WES MOSS   Wes Moss, CFP®  Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

If you’re feeling stuck in your career and/or housing situation, Clark shares something important to consider. With housing inventory rising in nearly 20 states and more affordable markets opening up in the American heartland, being open and flexible to moving your zip code might be the key to unlocking both homeownership and professional opportunity. Also, using the latest data, Clark breaks down the fastest-growing occupations for the next decade. Homeownership & Relocation: Segment 1 Ask Clark: Segment 2 Fastest Growing Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans Are Looking to the Midwest to Find Affordability Housing markets where power is shifting the most toward buyers heading into 2026 My 7 Rules for Using Credit Cards - Clark Howard What Is Umbrella Insurance and Do You Need It? Why You Need To Shop Your Auto Insurance ASAP Report: 15 Fastest-Growing Jobs for the Next Decade 5 Steps To Getting a Good Deal on a Hotel Room Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? 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 normally brings a ripe episode of Clark Stinks but today Clark has an update for potential car buyers.  While the cost of automobiles has been soaring, Clark reveals a surprising counterpoint: a selection of reliable, more affordable vehicles. Also in the interest of affordability, travel can easily be too costly. But there’s an often overlooked option that could help you save on spring break or a summer getaway. (Note: Clark Stinks will be back next week!).       Affordable Vehicles: Segment 1 Ask Clark: Segment 2 Affordable Vacations: Segment 3 Ask Clark: Segment 4 Mentioned on the show: qz: The 10 best cheap new cars, according to Consumer Reports Carscoops: Nobody Wants These 2024 Models And Dealers Are Drowning In Inventory Carvana sold its first used car in Atlanta. Now it’s selling new cars. How to Buy a New Car in 5 Steps Odometer Rollback Is On The Rise National Association of State Parks - Locate a Park Is Annual Travel Insurance Worth It? Travel Insurance Checklist: 5 Types of Coverage To Consider Clark.com - Invest & Retire⁠   /   ⁠Retirement Calculator⁠ 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

Many young adults recognize the value of early saving and investing long-term. But with 61% of this age group now trusting social media "finfluencers" for investing tips, it’s more important than ever to distinguish between sound financial advice and sales pitches pushing “get rich” ripoffs and worse - conflating gambling with real investing.  Also today - Clark shares a recent story of a retired lawyer who lost $85,000 to scammers posing as Microsoft security, only to have his bank deny a refund. Con artists continue their rampant looting unabated, with ever increasing sophistication, and no one is immune. BUT, there are tells.  Learn their method of operation, how to verify account activity on your own terms, and how to protect your "keys to the kingdom" from the criminals leveraging your data against you. Finfluencers Vs The Real Thing: Segment 1 Ask Clark: Segment 2 Block The Con Job: Segment 3 Ask Clark: Segment 4 Mentioned on the show: WPost- 61% of young adults trust social media investing tips. Should they? Ivestopedia - Investing: An Introduction Clark.com - Invest & Retire   /   Retirement Calculator What's the Best Savings Account for a Teenager? How To Open a Roth IRA Target Date Funds: Clark Howard's Favorite Retirement Investment Stock Analysis - Free Online Stock Information for Investors NYTimes: Tech Support Scammers Stole $85,000 From Him. His Bank Declined to Refund Him. Clark Howard's Take on the Chase Sapphire Reserve® Changes Should I Ditch My Southwest Airlines Credit Card? 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

Is the Middle Class Shrinking? & the Quiet Power of Dividend Growth The middle class is shrinking — but perhaps not for the reason you’ve been told. While headlines often paint a bleak picture of economic decline, the underlying data reveals a much more complex and surprising transformation. Wes Moss dives into the "missing" middle class, using recent data to uncover where those families have actually gone since 1979. Also, Wes pulls back the curtain on a hidden force in the stock market: the math of dividend durability. While many investors are distracted by flashy price targets, they are overlooking a component that has historically accounted for over a third of the market's total return. Wes breaks down why a company’s dividend policy is one of the most reliable signals of financial strength and how the "quiet persistence" of dividend growth has consistently outpaced inflation for over sixty years. Mentioned on the show: Fee Only Network - Find A Financial Advisor What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Retirement Calculator Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the January 27, 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - A tale of two retail experiences. Merchants are getting eaten up by the cost of returns and stiff new policies are reflecting that, with strict deadlines and fees as high as $45 to process mailed items. By contrast, Costco continues to lead with customer-friendly policies, including a little-known "price drop" perk.  Also - The ABLE (529A) program has undergone significant expansion, with millions more people now eligible. Clark breaks down everything you need to know, including a NEVER NEVER rule to protect your wallet.  Many Unhappy Returns: Segment 1 Ask Clark: Segment 2 The Updated 529A: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Costco Home Insurance: 5 Things To Know Before You Buy It Costco Car Insurance: 5 Things To Know Before You Get a Policy Travel Alert: New Requirement for UK Travelers European Travel Information and Authorisation System (ETIAS) What Is an ABLE Account? 10 Clark Howard 'Never, Not Ever' Rules To Protect Your Money 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