The Clark Howard Podcast

Clark Howard
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Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.

  1. 12 hr ago

    07.06.26 Shining A UV Light On Sunscreens / Side Hustle Savvy

    Today, something new under the sun - at least in the U.S.: A now FDA approved sunscreen option long in use overseas, arrives next year.  Meanwhile, are you overpaying for sunscreen just because of a fancy brand name? Consumer Reports released its annual sunscreen rankings, and the results again prove you don't have to spend a fortune to protect your skin. Also, Clark dives into the reality of modern side hustles. A TikTok influencer recently went viral after testing different side hustles every day for 100 days to make $100 a day, learning that only three were actually worth sticking with. The truth is, if a side hustle is incredibly easy to start, there are no effective barriers to entry. When anyone can do a job, the organizer doesn’t have to pay you well. If you want to make a meaningful, steady income, you need a side hustle that leverages education, training, or special skills that set you apart from the crowd. However, if you just need quick, one-time cash, look no further than your own home—just like Christa, who came out of her closet with cash assets!  Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 6, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Best Sunscreens: Segment 1 Ask Clark: Segment 2 Smart Side Hustles: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 21 Best Sunscreens of 2026, Lab-Tested and Reviewed Consumer Reports: Sunscreen Ratings & Reviews  Monarch Money Review: Is This Budgeting Tool Worth the Price? Why You Should Keep Old Credit Card Accounts Open - Clark Howard How and When To Cancel a Credit Card - Clark Howard 30 Easy Side Hustle Ideas The Only Reason You Should Make an Improvement to Your Home What's the Best Way To Send Money Overseas? - Clark Howard AutoSlash Review: How To Save on a Rental Car - Clark Howard HotelSlash: #1 Site for Cheap Hotel Rates 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. Visit megaphone.fm/adchoices

    31 min

  2. 3 days ago

    07.03.26 BEST OF: Clark Answers His Critics on Clark Stinks / FREE Tuition

    Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 6th with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - as college costs level off due to a competitive marketplace, more institutions are finding creative ways to attract students – including offering tuition-free degrees. Clark shares resources to help you find these opportunities! Clark Stinks: Segments 1 & 2 Free Tuition: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them)⁠ ⁠Rent vs Buy Calculator - Clark Howard⁠ ⁠Fidelity Rewards Visa vs. Schwab Investor Card® from American Express: Which Is Best?⁠ ⁠Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab⁠ ⁠How to get out of a cable or internet contract without paying a penalty⁠ ⁠Subscription Services: Why Canceling Is So Hard (and a Solution)⁠ ⁠Where Should I Set Up My Health Savings Account (HSA)?⁠ ⁠ETFs vs Mutual Funds: What’s the Difference and When Does It Matter?⁠ ⁠Optimizing HSA Transfers for Long-Term Growth⁠ ⁠[W Post] More colleges are offering free tuition. Explore our database.⁠ ⁠Colleges Offering Free Tuition by Income (2026)⁠ ⁠Which Colleges Offer Free Tuition? Full List Of Schools⁠ How To Find Tuition-Free Colleges: Schools That Offer Free Tuition ⁠Where To Take Free Online Courses - Clark Howard⁠ ⁠Best 529 College Savings Plans By State⁠⁠ ⁠When You Should (and Shouldn’t) Use a 529 Plan 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. Visit megaphone.fm/adchoices

    32 min

  3. 5 days ago

    07.01.26 Clark Smart Franchising / Pharmacy Options For Rx Savings

    Considering entrepreneurship via buying a franchise? Clark shares his most important rule before investing your hard-earned money: go work for that franchise first. Instead of relying on the sales pitch, spend several months on the job learning how the business really operates, what challenges owners face and whether the opportunity lives up to the promises. Taking this important step could save you from making a costly mistake and help you become a smarter entrepreneur. Also, Clark discusses the expansion of TrumpRx, a government prescription price comparison resource that now includes hundreds of additional generic medications. With prescription costs keeping many Americans from filling the medications they need, Clark reviews several ways to save money on prescriptions, including Costco, Sam’s Club, Amazon Pharmacy, Walmart, Mark Cuban’s Cost Plus Drugs and charitable programs that may provide free medications. He also explains what to do if you need an expensive brand-name medication and can’t afford it, including exploring manufacturer patient assistance programs that could help lower your costs. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 1, 2026, episode of The Clark Howard Show.  Submit your questions: Ask Clark. Please note: No new episode on Friday. We wish you a safe and Happy Independence Day! Franchise Entrepreneurs: Segment 1 Ask Clark: Segment 2 New Savings On Meds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard’s Advice Before You Buy a Franchise What Is a 403(b) and How Does It Work? - Clark Howard 6 Things To Know Before Contacting the National Foundation for Credit Counseling 10 Ways To Save on Prescription Drugs - Clark Howard  How Can Discount Drug Apps Offer Such Big Savings on Prescription Medications? These Pharmacies Offer $4 Prescriptions - Clark Howard How To Comparison Shop Drug Prices Before Your Doctor Sends in a Prescription Will Mark Cuban's Prescription Company Really Save You Money?  What Is Disability Insurance and How Does It Work? - Clark Howard How To Buy Term Life Insurance in 7 Easy Steps - 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. Visit megaphone.fm/adchoices

    32 min

  4. 6 days ago

    06.30.26 Ask An Advisor With Wes Moss

    Is the bucket investing strategy the best way to plan for retirement? In this episode, Wes Moss breaks down the powerful visual behind bucket investing and explains why organizing your money into cash, income, growth, and alternative income buckets can simplify retirement planning. He also shares the biggest drawbacks investors should understand before adopting the strategy. Also, Wes tackles a growing trend: professionals looking for more flexibility, purpose, and balance through a second career. He outlines the key questions to ask before making a career switch and explains why financial advising is emerging as one of the most in-demand professions in America. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 30, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.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. Visit megaphone.fm/adchoices

    29 min

  5. 29 Jun

    06.29.26 Travel Booking Basics / Online Shopping: Spotlight On Dark Patterns

    Clark’s first business was a travel agency and he specialized in saving his clients money. Travel costs are challenging now, with airlines facing higher fuel expenses and travelers paying the price. Clark shares his back-to-basics strategy for finding affordable trips, including why flexibility is your greatest money-saving tool. Learn why Clark lets the deal determine the destination, how shoulder-season airfare pricing can create opportunities for savings, and why being a "free agent" when booking flights can help you see more of the world for less. Also, Clark explains the growing problem of "dark patterns" online—those annoying popups, misleading buttons, and sneaky subscription tactics designed to manipulate your decisions. While many of these practices aren't illegal, they are deceptive and can lead to unwanted purchases and recurring charges if you're caught unaware. Know what to watch for and how to avoid getting tricked into spending money you never intended to spend. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 29, 2026, episode of The Clark Howard Show.  Submit your questions: Ask Clark. Clark Smart Travel: Segment 1 Ask Clark: Segment 2 Dark Patterns On The Lit Web: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Beat Summer Sticker Shock and Travel the ‘Clark Howard Way’ Follow Clark Howard’s #1 Rule To Travel Cheap Best Travel Credit Cards: How To Find the Perfect Fit for Your Spending How Does Booking Travel Through a Credit Card Rewards Program Compare? 3 Reasons You Should Never Book a Nonrefundable Hotel Room  Dark patterns on the web are designed to manipulate you – why aren’t they all illegal? Best Free Password Managers: 10 Top Picks - Clark Howard  How To Create and Use Passkeys - Clark Howard Safe Browser Alternatives That Promise Not To Track You NYT - Her Life Savings Mysteriously Disappeared After a Systems Glitch Why You Need Paper Evidence of Your Financial Accounts 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. Visit megaphone.fm/adchoices

    35 min

  6. 26 Jun

    06.26.26 Clark Answers His Critics on Clark Stinks / Appeal Insurance Denials

    Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, when your health insurer denies coverage for a treatment, procedure, or medication, don't assume that's the final answer. Clark explains a little-known consumer right that could help you overturn a denial: an external appeal reviewed by an independent third party. While some patients do appeal insurance decisions, very few take the next step when they're denied again. Clark shares why persistence matters, how the appeals process works, and why insurers often reverse decisions when consumers push back. For serious illnesses, these denials aren't just about money—they can be a matter of life and death. Learn how to fight back, when to appeal again, and how an independent review could force your insurer to pay for care it initially refused to cover. All this and more on the June 26, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Insurance Appeals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Home Expenses You Have To Budget For (Beyond Your Mortgage) Privacy and security built into your payments 5 Money Tips To Know Before You Travel Abroad 5 Best Places To Buy Pet Medicines - Clark Howard How To Get a Gym Membership for Practically Free - Clark Howard What Is a CD Ladder and When Is It a Good Idea? - Clark Howard Should I Avoid Callable CDs? / CD Ladder Calculator - Clark Howard What Should You Do if Your Insurance Claim Is Denied? This Little-Known Appeal Could Force Your Insurer to Pay. Here’s How to File It. How To Buy Term Life Insurance in 7 Easy Steps - 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. Visit megaphone.fm/adchoices

    32 min

  7. 24 Jun

    06.24.26 An Education In Change / Should You Purchase A Warranty - Ever?

    Fifty years ago, Clark founded an alternative school called Career Action for adults who were struggling to find their path after high school. The program was intense, with long days, strict standards, and a focus on preparing students for the workplace. It was successful for decades—but here's what's remarkable: virtually every job skill that was taught eventually became obsolete. The lesson is more important than ever today: you can't stay static. Also, Clark explains why extended warranties are usually a bad deal for consumers. Whether it's electronics, smartphones, appliances, or cars, the math overwhelmingly favors the companies selling the coverage. Clark shares what you need to know about smartphone insurance, home warranties, and extended auto warranties—and the one exception if you're determined to buy coverage for your vehicle. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 24, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Adaptation Education: Segment 1 Ask Clark: Segment 2 Warranty Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Starting a School Taught Clark Howard About Success Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty on Your Car? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone What Does a Home Warranty Cover and Is It Worth The Money? That Extended Warranty Is Almost Never Worth the Money. This Is Why You Fall for It Anyway. Report: The Most Reliable Cars for Your Money - Clark Howard 12 Long-Lasting Cars Proven to Get to 200,000 Miles and Beyond Smart Traveler Enrollment Program 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. Visit megaphone.fm/adchoices

    33 min

  8. 23 Jun

    06.23.26 Ask An Advisor With Wes Moss & Clark

    With technology stocks making up nearly half of the S&P 500, many index investors are asking an important question: Is this concentration a risk—or simply the natural evolution of the market? In this episode, Wes Moss and Clark Howard tackle the growing dominance of tech companies in major indexes, discuss whether traditional index investors should consider diversifying beyond tech, and explore how age and retirement timelines may influence those decisions. They tackle concerns about what happens when so much market value is concentrated in just a few companies—and whether investors nearing retirement should think differently. Mentioned on the show: Don’t Let FOMO Cost You a Fortune: The Investing Mistake Many Are Making With SpaceX’s IPO Plus, Wes and Clark answer several listener questions on investing, retirement, and personal finance.  All this and more on the June 23, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.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. Visit megaphone.fm/adchoices

    50 min
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Hosts & Guests

About

Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.

Information

  • Creator
    Clark Howard
  • Years Active
    2006 - 2026
  • Episodes
    2k
  • Rating
    Clean
  • Copyright
    Copyright © 2023 Clark Howard Inc. All rights reserved.
  • Show Website
    The Clark Howard Podcast

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