Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Plus, there are deals to be had right now on several items we use in our lives, including mattresses. Inflation nation, Clark’s calling out the deal categories!  Clark Stinks: Segments 1 & 2 Current Deal Categories: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 2022 Top Public Colleges & Universities | US News Rankings Vocational Training Programs by State The Top 25 Two-Year Trade Schools: Colleges That Can Solve The Skills Gap Florida College System Children - Overview - Delta Clark Deals - Mattresses Do Not Give Your Social Security Number at These Places Should You Buy Out Your Leased Car? How to Save Money on Car Insurance How to Shop for Car Insurance Clark.com resources Episode transcripts 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

A perpetual debate: Can money buy happiness? Clark discusses survey findings on the matter and the role of money in personal freedom and happiness. Also, with concerts and events back in full swing, many aiming to get out aren’t happy with ticket prices, but understanding how the industry operates can help you save. Hear how bucket system pricing in the concert industry is based on dynamic demand - and what that means to ticket buyers.  Money & Happiness: Segment 1 Ask Clark: Segment 2 Concert Ticket Pricing : Segment 3 Ask Clark: Segment 4 Mentioned on the show: Thrift Savings Plan: Home Can Credit Repair Companies Really Raise Your Score? 6 Things To Know Before Contacting the National Foundation for Credit Counseling Have you joined Clark's 'Ditch Your Debt' Facebook group yet? How To Open a Roth IRA Best Investment Companies for Investors in 2022 Checking monthly statements key defense against credit card hacks Clark.com resources Episode transcripts 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

Memorial Day and the summer travel season is upon us. Airfares have gone way up due to pent up demand and pilot shortages forcing airlines to cut back schedules during peak season - perfect storm for your wallet. Learn essential strategies for saving more on air travel based on when and where flexibility. Another summer expense: cooling your home. With energy prices also up, Clark talks about thermostat settings, and the value of smart thermostats.  Summer Airfare Savings: Segment 1 Ask Clark: Segment 2 Home Cooling: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Best Way To Get a Flight Deal to Europe Right Now Where You Should (and Should Not) Book Your Next Vacation How To Find Cheap Flights in 3 Easy Steps Hopper - Book Flights & Hotels on Mobile Norway’s Norse Atlantic To Launch From 4 U.S. Airports, Fares From $129 CLEAR Identity Verification: 6 Things to Know Before You Sign Up / Clearme.com What's the Best Setting for Your Thermostat During the Summer? What Is a 403(b) and How Does It Work? How To Open a Roth IRA Clark.com resources Episode transcripts 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

Learn Clark’s position on crypto and why it’s not yet ready for prime time. Most people who’ve put money into crypto have lost money, either through fraud or lost value. Ultimately digital money will become part of our lives. This is the pioneering phase of crooks, con artists, speculators and believers. Also, Clark was diagnosed with prostate cancer 14 years ago. Why this can be a complicated diagnosis, new research into genetic markers, Clark’s update and how to approach a diagnosis as an advocate for yourself.  Crypto Currents: Segment 1 Ask Clark: Segment 2 Prostate Cancer Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to avoid ‘rug pulls,’ the latest cryptocurrency scam Clark Howard and the Prostate Cancer Foundation Deposit Insurance - FDIC Mint Review: 5 Things To Know About the Free Budgeting Tool Welcome to the Clark.com Community Clark.com resources Episode transcripts 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

Clark discusses how travel insurance and cancellations generally work, and a void in the market that AMEX is filling. Then, the discussion turns to weddings, a recent low cost nuptial ceremony that went viral and cash wedding gifts.  AMEX Travel Benefit: Segment 1 Ask Clark: Segment 2 Budget Weddings: Segment 3 Ask Clark: Segment 4 Mentioned on the show:  The Points Guy: American Express adds new ‘cancel for any reason’ coverage option on flights The Points Guy: Why are airfare and hotel rooms so expensive right now? U.S. summer travelers can expect long lines, higher prices as COVID restrictions ease #1 Reason You May Not Need ‘Cancel for Any Reason’ Travel Insurance The Best Credit Cards With No Foreign Transaction Fees How to handle money when you’re traveling overseas How to Plan a Trip: Clark’s Best Travel Tips to Save Money Clark Howard's Guide to Saving Money on Your Wedding Make Money Origami to Personalize Cash Gifts - YouTube Clark Howard: Books - Clark Howard Life Insurance Archives - Clark Howard Wedding & Event Flowers - Costco Wholesale   Clark.com resources Episode transcripts 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, jobs are abundant right now for all but the summer employment outlook has never been better for teens. There are jobs aplenty for decent pay. Plus, an important professional courtesy tip from Clark.  Clark Stinks: Segments 1 & 2 Summer Jobs for Teens: Segment 3 Ask Clark: Segment 4   Mentioned on the show: AAA IDP International Driving Permit Public Service Loan Forgiveness (PSLF) - Federal Student Aid CURRENT - Put your savings to work with 4.00% APY¹ 6 Best Ways To Send Money Online Warning: Never Get Roadside Assistance From Your Insurance Provider What Is a Roth 401(k) and How Does It Work? Should I Get an Umbrella Insurance Policy?   Clark.com resources Episode transcripts 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

While investment costs have never been lower, some investors pay really high costs to non-fiduciaries. Clark explains a sneaky trick involving insurance agents posing as financial advisors, and the vital, costly difference between “fee-based” advisors and fee ONLY fiduciaries. Plus - Now is the time to break with cellular inertia and shop great new options that can serve you well and save you large dollars. Fake Wealth Advisors: Segment 1 Ask Clark: Segment 2 Cell Phone Plan Deals: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Online Brokerage Firms Struggle to Build Loyalty among Pandemic-Era Investors, J.D.Power Finds What Is a Fiduciary Financial Advisor and Do I Need One? What Is a 403(b) and How Does It Work? How to Buy Term Life Insurance in 7 Easy Steps The Best Term Life Insurance Companies AT&T Price Hikes Coming Soon AT&T Raises Prices on Wireless Plans to Address Higher Costs 5 Things To Know Before You Sign Up for AT&T Prepaid Best Cell Phone Plans in 2022: Deals For Every Budget  Clark.com CELL PHONES / Clark Deals - Cell Plans Clark.com Consumer Cellular Review: 5 Things To Know Before You Sign Up Kroger Wireless Airtime Plans / MINT Modern Family Plan Mint Mobile Introduces Modern Family Plans Verizon Price Hikes Coming In June The Verge: You can now test drive T-Mobile's 5G home internet service T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Clark.com resources Episode transcripts 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

Learn how to save for the future when you freelance, work side hustles or own your own business and don’t have access to a company retirement plan. AND - Neglecting one simple auto maintenance step can cost you big time. Heed Clark before your road trip this summer.  Self-Employed Retirement Planning: Segment 1 Ask Clark: Segment 2 Get Roadworthy: Segment 3 Ask Clark: Segment 4   Mentioned on the show: What Is a SEP IRA and Who Is Eligible? What Is an HSA Account and How Does It Work? What Is a Solo 401(k) and How Does It Work? Medical Debt A Major Source Of Consumer Complaints, New Report Shows Can a Patient Advocate Help With Your Medical Bills? Clark.com Best Places to Buy Tires Should You Buy Out Your Leased Car? Clark.com resources Episode transcripts 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

Party rentals have become a huge problem for Airbnb, so they’re launching an anti-party crackdown. What to expect when booking - and major considerations for potential hosts. Also, there has been a lot of talk lately about student loans and the cost of college. Clark covers which degree programs have the best payback. When you can match your interests with an in-demand high-earning degree - career WIN.  Airbnb Guidelines: Segment 1 Ask Clark: Segment 2 Profitable College Degrees: Segment 3 Ask Clark: Segment 4   Mentioned on the show: A Simple Way To Help Your Kid Build Credit Should You Redeem Credit Card Points for Travel Rewards or Cash Back? How To Cancel Private Mortgage Insurance Years Ahead of Schedule Clark.com resources Episode transcripts 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

If you feel you can serve a need in the marketplace, this is a golden era for entrepreneurs. Clark discusses the many considerations involved in starting your own business. Also, the number of people injured or killed in road accidents has gone way up. A.I. technology can prevent or reduce the severity of accidents, which involves driver tracking & control - now mandated in parts of Europe. Auto Insurance tracking is a different matter. Clark’s take on the implications of fast moving tech which - in solving one problem - may create another. Entrepreneurs: Segment 1 Ask Clark: Segment 2 Vehicle A.I. Safety Tracking: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Save Money on Merchant Processing Fees Creative Destruction Definition - Investopedia How and When To Cancel a Credit Card 5 Sneaky Ways To Improve Your Credit Score Clark.com resources Episode transcripts 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. And - Clark has a scam warning & rip off alert about travel booking, and a heads up about an emerging airline practice you need to be aware of. Clark Stinks: Segments 1 & 2 Travel Warnings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Apple Credit Card Review: Earn Cash Back on Tech Purchases Why Clark Howard Shifted to a Digital Wallet and You Should Too 10 Ways To Save on Prescription Drugs Dollar Cost Averaging Makes You a Fortune Over Time Latest Wills & Funerals How To Find and Choose a Financial Advisor Clark.com resources Episode transcripts 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

College isn’t the only path to success. Clark summarizes the skills education landscape including Google IT training programs. But for many, college is the path to career fulfillment. Why many are dropping out today, and ways to go the distance at lower cost and get that degree. Clark also talks about internet privacy and U.S. tech giants’ initiatives vs. Europe’s Right to Be Forgotten. Now there’s a way to opt-out of having your personal information searchable on Google. College Dropout Rate: Segment 1 Ask Clark: Segment 2 Google Privacy Tool: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Steps To Stop Google From Showing Your Personal Information The Top 5 Benefits of Community College 9 Ways To Pay for College Without Student Loans Where Do I Look for Affordable and Legitimate Online Schools? 7 Things to Know About Amica Insurance Best and Worst Home Insurance Companies Submit a complaint | Consumer Financial Protection Bureau Clark.com resources Episode transcripts 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 cost of solar is down 80% from a decade ago - a way to defray energy cost, along with ultra efficient HVAC systems coming soon. Ways to reduce energy consumption now include LED light bulbs,  adequate insulation and smart thermostats.  Also - lab created diamonds are taking off and for a very beautiful reason.  Energy Consumption: Segment 1 Ask Clark: Segment 2 Lab Created Diamonds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Save Money on Utilities How To Extend the Lives of These 5 Major Appliances Driveway: 5 Things To Know Before You Buy or Sell a Car Online 7 Places to Get the Best Deals on Lab-Created Diamonds How to Buy Term Life Insurance in 7 Easy Steps Best Investment Companies for Investors in 2022 What Is a Spousal IRA and What Are the Rules? Best Balance Transfer Credit Cards: Top Picks for 2022   Clark.com resources Episode transcripts 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

Two special warnings this episode - The first deals with confusion around Medicare Advantage plans, a choice many regret. Heed this warning if you or a loved one is approaching age 65. Plus, an alarming trend in mortgages and a Clark smart hard & fast rule to follow. Medicare Disadvantage Plans: Segment 1 Ask Clark: Segment 2 Adjustable Rate Mortgages: Segment 3 Ask Clark: Segment 4 Mentioned on the show: AT&T Price Hikes Coming Soon AT&T Raises Prices on Wireless Plans to Address Higher Costs AT&T raises prices of some mobile plans by $6 per month Best Cell Phone Plans in 2022: Deals For Every Budget Clark.com - CELL PHONES How to Freeze Your Credit With Experian, Equifax and TransUnion Should I Get Pet Insurance? Should I Get a Second Mortgage? Clark.com resources Episode transcripts 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 big runup in gas is getting people more focused on where they buy. The market is becoming dominated by independent retailers, not the traditional oil companies. The forward thinking growth of Wawa includes charging stations. And where and how you shop for groceries makes a big difference too. Clark shares what’s getting more pricey and what’s not, and strategies for all to save on groceries, including sharing initiatives.  Wawa Expansion: Segment 1 Ask Clark: Segment 2 SAVE on Groceries: Segment 3 Ask Clark: Segment 4 Mentioned on the show: These 10 Groceries Items Are Getting More Expensive 22 Ways To Save Money on Groceries Report: The Best and Cheapest Grocery Stores Credit card companies adjust merchant fees. Consumers may pay the price Turn off the debit function of your debit card What Is a Fiduciary Financial Advisor and Do I Need One? Bluebird named best banking alternative Clark.com resources Episode transcripts 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

Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, you may be offered alternative investments from your brokerage house - private equity investments. They aren’t just for the ultra rich anymore. Why you should proceed with caution.  Clark Stinks: Segments 1 & 2 Alternative Investments: Segment 3 Ask Clark: Segment 4   Mentioned on the show: What Is a 403(b) and How Does It Work? Sleep Like The Dead : Independent and Unbiased Sleep Advice Costco vs. Sam's Club vs. BJ's Wholesale: Which Is Best? Investor Tips: Promissory Note Fraud - SEC.gov Amazon Prime Rewards Visa Review: 5% Back for Prime Members Clark.com - Home Internet Starry Internet | The Internet Service Provider You'll Love Clark.com resources Episode transcripts 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

In addition to Series I Savings Bonds - Clark explains a Treasury Direct program as another risk free way to earn more on your idle cash. And - What every parent of young children should know: A new study out reveals the best baby formulas for both quality and price,  Better Savings Rates - Zero Risk: Segment 1 Ask Clark: Segment 2 BEST Baby Formulas: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Buy U.S. Treasury Bonds: A Conservative Way To Beat Your Savings Account TreasuryDirect - Home / SavingsBonds.gov How To Prevent, Report and Repair Identity Theft How to Freeze Your Credit With Experian, Equifax and TransUnion Turo: 5 Things To Know About the Cheap Car Rental Service These Credit Cards Offer Car Rental Insurance Benefits Mortgages Archives - Clark Howard Fidelity Rewards Credit Card Review: Invest with 2% Cash Back Best Cash Back Credit Cards: Top Picks for 2022 Clark.com resources Episode transcripts 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

Fidelity. one of the largest and most innovative administrators of 401(k)s, is now offering Bitcoin in 401(k)s as an option for employers to add. Clark explains why this is risky, speculative and not ready for prime time. Also, tipping pressure in all new places has spread all over the country. Is this just maddening or are we finally giving employees their due?  Bitcoin in 401(k)s: Segment 1 Ask Clark: Segment 2 Tipping Point: Segment 3 Ask Clark: Segment 4   Mentioned on the show: Should You Sell or Stay Put in the Stock Market? How to Switch Banks in 4 Simple Steps Investor Tips: Promissory Note Fraud - SEC.gov Account Takeover Protection by T-Mobile How To Find and Choose a Financial Advisor   Clark.com resources Episode transcripts 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

Clark clears confusion surrounding new loan forgiveness, We’re approaching $2 trillion in outstanding student loan debt. Clark talks about how general policy should be surrounding student loans moving forward. Also, Zelle is a monster bank creation causing widespread financial hardship, getting the pushback it deserves. Clark describes how Zelle came about, the increasing problems now, and has a special directive for you no matter where you bank. Student Loan Forgiveness: Segment 1 Ask Clark: Segment 2 A Zelle Assignment: Segment 3 Ask Clark: Segment 4   Mentioned on the show: NATIONAL TEACHER APPRECIATION DAY Best 529 College Savings Plans By State Target RedCard Credit Card Review: Earn 5% Back on Purchases The #1 thing you need to do if you use PayPal, Venmo or Zelle for payments Clark.com resources Episode transcripts 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

From hotels to Airbnb, the tactic of unbundling to hide junk fees has worked. People go for a low headline price, only to be charged more. Clark helps you navigate booking so you see the true price. Also, besides reducing costs for heating and cooling, there’s another area for energy savings. Free and easy ways to help cut your energy bill.   Vacation Rental Surprise Fees: Segment 1 Ask Clark: Segment 2 Extra Home Energy Savings: Segment 3 Ask Clark: Segment 4   Mentioned on the show: See the true cost of your stay with Marriott's 'all in' pricing button The Best Smart Plugs and Power Strips for 2022 | PCMag 5 Things To Do Before You Sign Up for a Free Trial 6 Things to Know About International Driver’s License (a.k.a. International Driving Permit) How To Save Money: 35 Ways To Reduce Expenses Clark.com resources Episode transcripts 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