The Clark Howard Podcast

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.    Also - A recent stat reveals that unhappy workers may reduce Global GDP by up to 9% - so what do workers want? Clark discusses “enlightened self-interest” and the vital importance of valuing employees.  Clark Stinks: Segments 1 & 2 Boss Advice About Workers: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Indexed Universal Life Insurance Policies a Good Option or a Scam? Why I Think Medicare Advantage Plans Stink - Clark Howard Optical Reviews - Clark.com How Much Life Insurance Do I Need? How To Buy Term Life Insurance in 7 Easy Steps Earn College Credit With CLEP 3 strategies to help college students pick the right major the first time around and avoid some big hassles Is college worth it? Poll finds only 36% of Americans have confidence in higher education Nearly half of U.S. workers would take a pay cut to avoid being tracked by their boss Should you look for a new job if you're given a performance improvement plan? Why more Gen Z workers are being placed on performance-improvement plans Unhappy workers may reduce global GDP by as much as 9%, Gallup estimates Fidelity Investments Review: Pros & Cons Clark.com resources Episode transcripts Community.Clark.com 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

There’s an allegation that companies are buying and using consumer data to charge individual, discriminatory prices. Clark discusses how to get around the loyalty tax you may unknowingly be paying. Also today, there is a trend in weddings to rethink the fantasy event and scale down to have funds for other priorities. Clark shares ideas to help couples save on their special day.  Privacy & The Price Of Loyalty: Segment 1 Ask Clark: Segment 2 Save More On Weddings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: You’re not going crazy — you may actually be paying higher prices than other people Are Indexed Universal Life Insurance Policies a Good Option or a Scam? Best 529 College Savings Plans By State Can I Sell My Life Insurance Policy? Consumer Federation of America - Insurance The CFA’s Rate of Return (ROR) Program | Evaluate Life Insurance Kayak now displays Southwest Airlines flights - The Points Guy Brides are having brunch weddings, midweek destination nuptials and selling tickets, saving $70K on costs [The Washington Post] The American wedding is shrinking Clark Howard's Guide to Saving Money on Your Wedding Weddings - Clark.com Should You Ever Lease a Car? Pirate Ship Review: Pros & Cons of This Cheap Shipping Service Clark.com resources Episode transcripts Community.Clark.com 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

QR codes are everywhere, and criminals have found a way to exploit them. Approach with caution and know what to look out for. Also, Clark recently got caught up in a rental car toll issue and tells you how to avoid the toll fee traps that can come with car rentals.  QR Code Scams: Segment 1 Ask Clark: Segment 2 Rental Car Toll Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 'I'm done scanning': Woman warns of QR code scam that was sent to her doorstep Got a barcode from your utility company to make a payment? That’s a scam Why You Should Never Mail a Check Ascensus Acquires Vanguard’s Small Business Retirement Plans What Can I Do if My HOA Is Doing a Poor Job? NYTimes: Finally, a Way Around Exorbitant Rental Car Surcharges for Tolls How to Avoid Rental Car Toll Fees Drivers Beware: Watch Out for This Toll Notice Scam Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet The Best Unlimited Hotspot Plans Best Phone Plans: Get Exactly What You Want at the Cheapest Price Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

Clark shares some tough new stats about American credit card debt. If you are in debt, you are definitely not alone. Know the strategies that can set you on a path to freedom from debt.  Later, insurers are exploring some interesting ways to cut down on the critical problem of distracted driving. Clark has his own way of banishing phone use while behind the wheel. Credit Card Debt: Segment 1 Ask Clark: Segment 2 Phone Addiction & Distracted Driving: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Credit card debt: Inflation, interest rates have more Americans carrying balances over Axios: Stretched consumers Clark Howard's 2024 Credit Card Debt Elimination Strategy 6 Things To Know Before Contacting the National Foundation for Credit Counseling Xfinity Deal: Save Up to $1,500 on Internet and Cell Phone Service Cell Phone Plans  /  Streaming TV  /  Internet Archives - Clark Howard How Many Credit Cards Should I Have? My 7 Rules for Using Credit Cards - Clark Howard Best Airline Credit Cards for 2024: Are They Right For You? Gamification gets drivers to put down their phones, study finds Pay-Per-Mile Insurance: Is It Worth It? Mile Auto Insurance: A Firsthand Review How to Shop for Lower Car Insurance Homeowners Insurance Archives - Clark Howard 5 Steps To Getting a Good Deal on a Hotel Room Should You Ever Book a Nonrefundable Hotel Room? 5 Things You Should Re-Shop To Save Money Clark.com resources Episode transcripts Community.Clark.com 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

An important lesson for new investors: Clark explains the penny stock pump & dump rip off - a worsening problem in the digital age.  Also, as the number of robo calls decline, “robo texts” are increasing and come in many forms, looking to get at your identity and into your wallet. Know how to spot scam texts and hit DELETE.  Penny Stock Rip Off: Segment 1 Ask Clark: Segment 2 Beware Of Scam Texts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Nasdaq Has Hundreds of Penny Stocks. Now It’s Trying to Purge Them. - The WSJ Best 529 College Savings Plans By State Roth vs. Traditional 401(k): What's the Difference? How To Sell, Cancel or Get Rid of Your Timeshare (Clark.com) “When are you free for coffee?” Long lost friend or a scammer trying to get you to respond? How To Recognize and Report Spam Text Messages Best Free Password Managers: 10 Top Picks How to Avoid Online Scams and What to Do if You Become a Victim How To Prevent, Report and Repair Identity Theft The Worst Kind of Identity Theft (and How To Prevent It) Should You Respond to Class-Action Lawsuits? (Clark.com) Clark.com resources Episode transcripts Community.Clark.com 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, most states are still under costly monopoly power control for energy and those costs continue upward. But you are not powerless! In addition to the payback of lower bills, there are tax credits for energy efficient home improvements.  Clark Stinks: Segments 1 & 2 Home Energy Tax Credits: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What's the Best Way To Rent a Car Before You Buy It? Is Turo Legit? 5 Things To Know Before You Use It 13 Places To Listen to Free Music Online- Clark.com Why You May Want To Get a Home Generator How Should I Donate a Non-Working Vehicle? How to Sell Your Car in 5 Steps-Clark.com What Is the Best Platform To Sell My Car?-Clark.com ZIPAIR Official Website Costco vs. Sam's Club: What Is the Difference? 6 Pharmacies Offering $4 Prescriptions Axios: How U.S. homeowners can score tax breaks and other Biden climate cash [The Washington Post] Americans tapped $8 billion in tax credits on home energy upgrades How To Save Money on Utilities How to Book the Best and Safest Airbnb Cheapest Way to Rent a Car: Expert Tips 5 Things You Should Re-Shop To Save Money Clark.com resources Episode transcripts Community.Clark.com 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 has updated information if you are thinking of selling a car, with new direction on where to get fair market value pricing.   Also, a recent ruling means Amazon has to make a big change to how they handle 3rd party sellers of unsafe items.  Selling Or Trading In A Car: Segment 1 Ask Clark: Segment 2 Amazon Recall Ruling : Segment 3 Ask Clark: Segment 4 Mentioned on the show: This Car Site Offers Top Dollar to Sellers. Its Stock Is a Wall Street Favorite How to Sell Your Car in 5 Steps-Clark.com What Is the Best Platform To Sell My Car?-Clark.com Jobs Archives - Clark Howard Amazon must recall unsafe products sold by independent sellers, a consumer agency says USA TODAY: Federal agency finds Amazon responsible for recalling dangerous items Amazon can now be held responsible for dangerous products sold on its platform How and When To Refinance Your Mortgage: A Step-By-Step Guide Visible Adds New Features to Visible+ Plan Visible Review: 5 Things To Know Before You Sign Up Using Cellular Data Internationally: Buying a Local SIM Card Phone Plan Finder – Find the Best Plan For You - Clark.com Live TV Streaming Channel Tool Clark.com resources Episode transcripts Community.Clark.com 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

Humans are prone to “static analysis” - the idea that if an attempted solution didn’t work, it never will. But innovations prove otherwise and Clark has a real life example in the vital area of water shortages. Also, many Americans, especially the elderly, are taken advantage of with technology schemes. Clark discusses a new fintech offering strategies to prevent this now rampant fraud. Try Try Again: The Power Of Innovation: Segment 1 Ask Clark: Segment 2 A Fintech Takes On Fraud Prevention: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Spain Is Thirsty. Here’s How It Gets Water. How and When To Refinance Your Mortgage: A Step-By-Step Guide 6 Things to Know About Refinancing Your Mortgage Mortgage Refinance Calculator - Clark Howard This banking fintech for older Americans is launching a new feature to fight AI fraud How To Switch Phone Carriers: 9 Easy Steps Phone Plan Finder – Find the Best Plan For You - Clark.com Employee Stock Ownership Plan (ESOP): What It Is, How It Works Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com 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

Today, choosing the right phone plan could save you up to $1500 a year. Clark introduces our new Phone Plan Finder tool to help you cut through the confusion and make that choice much easier. Then Clark discusses a great new retirement savings option for part-time and self-employed workers. Also - It’s vital to understand your liability risks and insure accordingly, which for many, includes umbrella insurance. New Roth Options: Segment 1 Ask Clark: Segment 2 Liability Insurance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Phone Plan Finder – Find the Best Plan For You - Clark.com Changes in Retirement Savings Rules to Know Before Year’s End - WSJ 6% of Your Paycheck Is Becoming the New Standard for 401(k) Saving The 3 Biggest Mistakes You Can Make With Your 401(k) The 401(k) Rollover Mistake That Costs Retirement Savers Billions - WSJ 401(k) Rollover: How To Roll Over a 401(k) (Clark.com) What Is a SEP IRA and Who Is Eligible? What Is a SIMPLE IRA and How Does It Work? Certificate of Deposit (CD): What Is It, Best Places To Open One What Is a Roth 401(k) and How Does It Work? Rollovers From a 529 Plan to Roth IRA: What to Know Umbrella Insurance Covers Worst-Case Scenarios. There Are Now More of Them. - WSJ What Is Umbrella Insurance and Do You Need It? (Clark.com) 6 Things To Know Before Contacting the National Foundation for Credit Counseling Why Clark Says You Should ‘Ignore’ Paze as Trendy New Payment Option Clark.com resources Episode transcripts Community.Clark.com 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 recent FTC settlement validates Clark’s long-held advice on car warranties. Know how the game is played including “bust outs”, and how to best proceed if you wish to purchase an extended warranty on a vehicle. Also, restaurants are getting crushed by costs, so they are getting creative with ways to serve us fresh food at a discount.  Auto Warranty Schemes: Segment 1 Ask Clark: Segment 2 Fresh Food Vending: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Think twice before buying a car-repair contract. FTC settlement shows why. FTC says CarShield didn’t cover car repairs as advertised Should You Buy an Extended Warranty on Your Car? (Clark.com) Used car prices plunging: EVs hit the hardest Electric Vehicle Tax Credits 2024: What You Need to Know Need a Cheese Plate at 4 a.m.? There’s a Vending Machine for That. - WSJ Axios: "Waiter, check please?" Nah, just use an app How thousands of Americans got caught in fintech’s false promise and lost access to bank accounts Raisin Review: Can You Trust This Online Savings Marketplace? (Clark.com) Certificate of Deposit (CD): What Is It, Best Places To Open One What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Term Life vs. Whole Life Insurance: Understanding the Difference Clark.com resources Episode transcripts Community.Clark.com 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, an app capable of helping job seekers transfer their skills to new industries and locate positions close to home. Clark Stinks: Segments 1 & 2 Locate Contract Work: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Donating & Volunteering Archives - Clark Howard Why You Should Establish Trusted Contacts Over 11 million job seekers are using this app to find jobs in their own backyards- Hypepotamus 30 Easy Side Hustle Ideas / Sidehusl.com: Home Jobs Archives - Clark Howard Should You Get a Store Credit Card? Clark.com resources Episode transcripts Community.Clark.com 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

Rampant data breaches facilitate SIM swapping fraud - allowing criminals to usurp 2 factor authentication by stealing your phone service. Clark explains this very common form of identity theft and how you can easily prevent it. Also - Why hotels are in financial distress these days, what that means for travelers and how this calls for a new approach to booking.  Sim Swapping 101: Segment 1 Ask Clark: Segment 2 Distressed Hotels - Strategic Booking: Segment 3 Ask Clark: Segment 4 Mentioned on the show: There are 1 billion victims of data breaches so far this year. Are you one of them? - USA TODAY   SIM Card Swapping: The Dangerous Cell Phone Scam Everyone Needs To Know About This form of identity theft is on the rise. Here's what to know FCC pursues rule forcing carriers to unlock phones after 60 days 5 Credit Card Mistakes To Avoid Travel Insurance: What You Need To Know Before You Buy The National Observer: Distress grows for hotel properties Help! We Had to Sleep in the Hotel’s Breakfast Room. We Would Like a $215 Refund. 5 Things You Should Re-Shop To Save Money Best Credit Cards With No Foreign Transaction Fees in 2024 - Clark.com Clark Howard's Digital Wallet Strategy for 2024 5 Money Tips To Know Before You Travel Abroad How To Plan a Trip: Clark's Best Travel Tips To Save Money Travel Archives - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing Disclosure: Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices

The number one issue people are contacting Team Clark about: Buying a used car. Clark goes back to basics on how to purchase a used vehicle, so you know how to protect yourself before setting foot on a dealer lot.  Later - Antitrust lawsuits allege corporate landlord price collusion via software. What apartment renters need to know and strategies to get the best deal on rent.  Buying A Used Vehicle: Segment 1 Ask Clark: Segment 2 Apartment Rent: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Buy a Used Car (Clark.com) Should You Buy an Extended Warranty on Your Car? Online security: Our promise to you - Investor Vanguard Vanguard's Online Fraud Policy Safer Ways To Send Money NYTimes: Lawsuits Mount Over Software Used by Landlords to Set Rents Trust Pilot - Kensington Tours  /  BBB - Kensington Tours Cancel for Any Reason Trip Insurance: Should You Buy It? Best Travel Credit Cards: Top Rewards Picks for 2024 Is an HSA the Best Way To Save for Future Medical Expenses? Where Should I Set Up My Health Savings Account (HSA)? Clark.com resources Episode transcripts Community.Clark.com 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

Influenced by market noise, many struggle with financial decisions regarding their investments for the future. What is the ideal mix of stocks, bonds, domestic and overseas funds? Vanguard just came out with some new recommendations.   Also, Clark shares something that should ease your mind about the future of jobs with AI and other rapidly changing technologies.  Investment Decisions: Segment 1 Ask Clark: Segment 2 The Future Of Work: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Your 60/40 Portfolio Isn’t Safe. Inflation Is the Reason. Barron’s Clark.com - Invest & Retire Should I Invest a Lump Sum at Once or Through Dollar-Cost Averaging? What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor Should You Get a Store Credit Card? Receipt Hog: 4 Things To Know About Earning Cash Back ReceiptPal Review: 5 Things To Know Before Earning Cash Back You're probably doing a job that didn't exist in 1940. Will yours exist in 2040? How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark Warns Major Changes To Credit Card Rewards Are Coming Soon 5 of Clark Howard's Most Extreme Frugal Hacks Clark.com resources Episode transcripts Community.Clark.com 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

There are a lot of bonus offers coming from big banks right now, trying to capture multiple lines of your business. Should you go for it? Depends. Clark explains. Also - Consumers collectively seeking store brands to fight inflation is paying off. The big box retailers are battling it out with their private label items as they compete for private label dominance!  Big Bank Bonus Offers: Segment 1 Ask Clark: Segment 2 Private Label Price War: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Banks Are Offering Bigger Cash Bonuses. How to Decide if You Should Switch. - WSJ Are Money Market Funds a Safe Place To Stash My Savings? Top 10 Small Business 401(k) Plan Providers How To Open a Roth IRA / What Are Index Funds? How Walmart-owned Sam’s Club is trying to take on Costco’s private label Kirkland Walmart is opening five automated distribution centers as it tries to keep its grocery dominance Why You Should Keep Old Credit Card Accounts Open Navy Federal cashRewards Card Review: Cash Back Credit Card Should I Update My Income With My Bank or Credit Card Company? How To Monitor Your Credit How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark.com resources Episode transcripts Community.Clark.com 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, Target has announced it will no longer accept one form of payment. Clark shares why this is a good idea, with a payment method warning for you. Clark Stinks: Segments 1 & 2 Using Checks- A Warning: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Get an Identity Protection PIN (IP PIN) Retrieve your Identity Protection PIN (IP PIN) Where To Buy the Best Cheap Printer How to Freeze Your Credit With Experian, Equifax and TransUnion Career opportunities - Careers - About.usps.com How to Avoid Paying Vacation Rental Fees Target will stop accepting this old-school form of payment What Is Mortgage Protection Insurance and Do You Need It? 4 Insurance Policies You Actually Need (and 5 You Don't) What Is Disability Insurance and How Does It Work? Southwest Airlines Is Ending Open Seating. Here's What This Historic Change Means for You Clark.com resources Episode transcripts Community.Clark.com 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

We’ve talked a lot recently about rising insurance rates. The car insurance industry is facing some backlash now, as consumers explore their options. Clark has advice on lowering your premiums. Also today - many people buy lottery tickets, but the odds of winning are insanely low. One couple actually hit a huge jackpot, but what happened next is a very sad story.  Save More On Auto Insurance: Segment 1 Ask Clark: Segment 2 Financial Advisors- Choose Wisely: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Fed Up With Their Car-Insurance Bills, Drivers Shift Gears - The Wall Street Journal. NYTimes: How to Rein In Rising Auto Insurance Rates 10 Ways To Save Money on Car Insurance  Mile Auto Insurance: A Firsthand Review How to Freeze Your Credit With Experian, Equifax and TransUnion Credit Karma Review: Free Credit Score and More at Your Fingertips Should I Be Concerned That I’m Receiving Mail at My Home With Someone Else’s Name? What’s the Best Way To Exchange Dollars for Foreign Currency? And When Should I Exchange Money? Should You Buy Gold at Costco?  /  Warning: How You Should NOT Buy Gold A Couple Won the Powerball. Investing It Turned Into Tragedy. - The WSJournal. What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor How to Qualify for Medicaid: Eligibility Requirements 6 Things To Know About Series I Savings Bonds What Clark Says You Should Do With Your I Bonds This Year Clark.com resources Episode transcripts Community.Clark.com 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

Recently there has been backlash about the use of phones by teenagers, especially at schools. Some districts and states are doing something about it. Also - restaurants are trying to bring in customers through promotions and deals, but how do you know if you are really getting a bargain? Student Cell Phone Bans: Segment 1 Ask Clark: Segment 2 Restaurant Promotions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NY Students Banned From Using Phones First Hated, Then Loved It Top 10 Small Business 401(k) Plan Providers Bottomless Fries, Floats and Broccoli. One Restaurant Chain’s Bid to Get Diners. - WSJ Why fast food value menus aren’t as good a deal as you might think How To Prevent, Report and Repair Identity Theft The Worst Kind of Identity Theft (and How To Prevent It) How to Freeze Your Credit With Experian, Equifax and TransUnion Best 529 College Savings Plans By State Understanding 529 rollovers to a Roth IRA 12 Items That Can't Be Returned to Amazon Clark.com resources Episode transcripts Community.Clark.com 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

New statistics showing average 401K balances by generation reveal a trouble spot. Clark focuses on Gen X. Also, if you or someone you know does contract work full time or as a side hustle, Clark has important advice about taxes. Gen X Retirement: Segment 1 Ask Clark: Segment 2 1099 Tax Traps: Segment 3 Ask Clark: Segment 4 Mentioned on the show: The Average 401(k) Balance by Age Axios: Gen X savings gap    7 Best Ways to Save for Retirement in Your 50s 30 Easy Side Hustle Ideas 7 Things To Know Before You Use Zelle 6 Steps To Eliminate Credit Card Debt in 3 Years or Less Consumer Cellular Review: 5 Things To Know Before You Sign Up Lifeline Support for Affordable Communications 1099 Income: Why Prepaying Your Taxes Is More Important Than Ever if You Have a Side Hustle A Surging IRS Penalty Is Costing Americans Billions. Here’s How To Avoid It Midyear Tax Planning Strategies: Five Things to Do Now Here's Your Estimated 2024 Tax Refund Schedule What Is a SEP IRA and Who Is Eligible? When Should You Get an Accountant To Do Your Taxes? Clark.com resources Episode transcripts Community.Clark.com 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

Today, Clarkonomics with an overview of the current job market and how to be prepared. Also - Incorrect pricing has been plaguing consumers alongside inflation and may soon be remedied in some places by technology. Meanwhile, why you need to keep your eye on the price!  Job Market Update: Segment 1 Ask Clark: Segment 2 Incorrect Pricing: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Axios: Labor scarcity is the new normal Companies are facing a skills-gap crisis that college alone can’t fix College credit for working your job? Walmart and McDonald’s are trying it Amazon - 9 skills training programs helping hourly employees grow their careers Amazon - Our Upskilling 2025 programs NYT - U.S. Job Growth Extends Streak, but Signs of Concern Emerge Why more layoffs could be coming in the second half of 2024 Americans are suddenly finding it harder to land a job — and keep it America's startup boom is still going strong. Here's what it means for the economy Demand for better cybersecurity fuels a booming job market What Is a Fiduciary Financial Advisor and Do I Need One? Guide to Brokerage and Investment Advisory Services at Fidelity Investments  A supermarket trip may soon look different, thanks to electronic shelf labels How To Plan a Trip: Clark's Best Travel Tips To Save Money About Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices