03.18.26 Where NOT To Invest - NEVER EVER / The Grandparent Trap

Summary

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The Clark Howard Podcast

Episode: "Where NOT To Invest – NEVER EVER / The Grandparent Trap"
Date: March 18, 2026
Host: Clark Howard | Co-host: Krista

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Episode Overview

This episode of The Clark Howard Podcast tackles two major themes:

1. Clark’s Hard Line Against Investing with Giant Mega Banks: Clark adamantly warns against using big banks for investment accounts, citing high fees, conflicts of interest, and lack of fiduciary responsibility.
2. The Grandparent Trap: Insights into the generosity of grandparents toward grandchildren, and the financial risks when such giving comes at the grandparent’s own expense.

Packed with practical listener Q&A, Clark lays out clear, actionable advice on topics like cash management accounts, how young investors should allocate savings, specialized bank offers, and strategic moves for college-bound families. Each piece is delivered with Clark’s signature blend of candor and frugality-minded guidance.

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Key Discussion Points & Insights

1. Never Invest with Giant Mega Banks (00:36 – 06:05)

• Clark’s Strong Bias:
  Clark openly admits his “prejudiced” stance against mega banks, criticizing their profit-driven strategies at the expense of customers.

  "I despise the market power of the giant monster megabanks. They wake up every day trying to figure out how to pick your pocket." – Clark (00:44)

• Savings Disrespect:

  • Mega banks offer “1/100th of 1%” interest on savings accounts despite high public market rates, keeping trillions idle in low-yield accounts.
  • They aggressively market investment services inside branches, often lacking true fiduciary commitment.

• Investment Services Trap:

  • Mega banks’ “wealth teams” are usually not fiduciaries:

    "They have these investment operations that may or may not and usually are not fiduciaries. So they are legally not required to do what a fiduciary would do, which is what's better for you than for them." (02:28)

  • Banks often charge up to 2% in fees versus 0.03% at discount brokers, eroding long-term returns.

• Clark’s Bottom Line:

  • Completely avoids big banks for investments (and even as a checking customer).
  • Credit unions are preferred for car loans, not banks.
  • It’s “fine” to use big banks for checking or credit cards—but never investments.

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2. Listener Q&A: Handling Cash and Investments Smartly

A. High-Yield Savings vs. Cash Management Accounts (Krista relays Nalani’s & Fred’s questions) (06:15 – 08:44)

• Vanguard, Fidelity, Schwab Accounts Compared:

  • Schwab1, Fidelity Cash Management: Full-featured hybrid accounts—checking, savings, investing under one umbrella.
  • Vanguard Cash Plus: Newer, higher average yield, but less versatile.

    "Vanguard did not include the ability for you to use it as a complete substitute for having an account at a bank or a credit union." – Clark (07:44)

  • All are generally strong alternatives to traditional banks, but only if the features match your needs.

• Clark’s Personal Practice:

  “I should mention I don't have and have not had a traditional bank account in, I don't know, 20-something years. And I've been just fine not doing business with them.” (08:30)

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B. Young Investors: Roth IRA vs. Brokerage vs. Cash (Anthony in Georgia) (08:44 – 09:55)

• Clark’s Guidance for New Savers:
  • Praises young savers for starting early.
  • Advises keeping 90 days of expenses in savings, then funneling new savings into a Roth IRA for long-term, tax-free growth.

  "Your priority now is Roth IRA... It is the best deal for retirement savings that exists." (09:07)

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C. New Bank Savings Products for Homebuyers (Jesse in New York asks about Zillow’s Home Savings Program) (09:55 – 11:49)

• Clark’s Take on Special Programs:
  • Highlights account fees and strict conditions; lose the enticing match if NOT used for a home purchase.
  • It's “a big carrot, but there's a big stick if you misstep.”

  “If you don't do everything like they want, there's a big stick involved... for the right person, this is a good savings tool towards a down payment, but you gotta be the right person for it.” (10:23)

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3. Featured Topic: The Grandparent Trap (15:16 – 18:09)

• 90% of Grandparents Give Financially to Grandkids

  • Average gift: Just under $4,000/year (Kiplinger data).
  • Often, private school tuition is paid by grandparents, not parents.

• Potential Pitfall:

  • Clark warns against generosity that harms the grandparent’s own financial stability.

  “If you know in your heart of heart that your parent or parents cannot really afford the money that they're using to dote on their grandkids... you gotta get them not to do that anymore.” (16:48)

  • Adult children may need to have tough conversations if grandparents’ giving causes lifestyle sacrifices or missed healthcare.
  • If funds are ample and giving brings joy, it’s “A-OK.” Else, draw the line for their well-being.

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4. More Listener Q&A

A. Traditional vs. Roth to Minimize FAFSA Income (Steve in Pennsylvania) (18:11 – 20:07)

• Strategic Use of Traditional IRA/401k:
  • Listener Steve is lowering taxable income to maximize college tuition aid.
  • Clark affirms this as a rare but smart exception to his Roth-first rule:

    “You’re a perfect example of when [Roth] would not be the right answer.” (18:54)

B. Helping Young Adults with Credit (Chris in Wisconsin, co-signing on a car loan) (20:07 – 20:42)

• Should Parents Pay Off Cosigned Car Loans Early?
  • Clark says: Let daughter finish on her own; builds credit history.

  “Let the string pay out and pay it in full. Shows more credit history as part of the process and shows that you were there backstopping her but she completed the task which is so worthwhile.” (20:42)

C. Rental Car Savings vs. Brand Reliability (Zach in Texas) (21:23 – 22:23)

• On Getting the Best Rental Car Deal:
  • Clark explains the risk of overbooking (“walking” customers—arriving to no cars), regardless of brand.
  • Warns of Hertz’s automation erroneously accusing renters of damages.
  • Must-do tip: Always take photos/video when picking up and dropping off rental cars.
  • Favorite trick: Reshop rentals the week of travel for potential lower rates, keeping the best available deal if prices rise.

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Notable Quotes & Memorable Moments

• On Mega Banks:

  “I despise the market power of the giant monster megabanks. They wake up every day trying to figure out how to pick your pocket.”
  — Clark (00:44)

• Fiduciary Duty:

  “They have these investment operations that may or may not and usually are not fiduciaries... They have to meet some mealy standard that is awful.”
  — Clark (02:28)

• Personal Finance Philosophy:

  "Save, save, save and live a great life on less than I make."
  — Listener Nalani, reflecting Clark’s ethos (06:35)

• Roth IRA Advocacy:

  "Roth IRA... It is the best deal for retirement savings that exists."
  — Clark (09:07)

• On Generosity and Responsibility:

  “If it’s going to cause lifestyle harm or it’s going to cause problems with them skipping on meds or going to a doctor's appointment... adult child, you gotta get them not to do that anymore.”
  — Clark (16:48)

• Rental Car Truth:

  “I rent 20 to 30 cars a year… only happened to me once in the last two years where I got to the counter and they told me to get lost. But it does happen.”
  — Clark (22:23)

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Timestamps for Important Segments

• [00:36] – Clark’s mega-banks investment warning
• [06:15] – Cash management account pros/cons
• [08:44] – Young investor: savings vs. Roth IRA vs. brokerage Q&A
• [09:55] – Zillow savings program for homebuyers
• [15:16] – The grandparent trap: generosity vs. self-harm
• [18:11] – FAFSA and strategic use of traditional accounts
• [20:07] – Should you pay off a child’s car loan early?
• [21:23] – Rental car deals, risk of “walked” reservations, damage disputes

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Final Takeaways

• Clark’s golden rule: Avoid mega-bank investment products at all costs due to fees and lack of fiduciary duty.
• Cash management/account selection: Choose based on account flexibility and your needs, not just yield.
• Roth IRA: Perfect for early savers—unless strategic exceptions (like financial aid) apply.
• Generosity with boundaries: Grandparents’ giving is beautiful—unless it undermines their well-being.
• Always reshop car rentals; always document car condition with video/photos.

"Everything is devoted to empowering you with knowledge you can trust that you can act on so that you can save more, spend less and avoid always, never, never not ever get ripped off again."
— Clark (25:10)

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Transcript

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[Clark Howard]

Great to have you here on the Clark Howard Show. You know our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life today. Why I say so stridently that you should never, never never not ever invest with the giant monster mega banks. Also I have an important message for you if you are a grandparent or if you are someone who loves and cares about a grandparent. So all right, I am biased, I am prejudiced. I have flaws like any other human being and I'm just going to lay it out. I despise the market power of the giant monster megabanks. They wake up every day trying to figure out how to pick your pocket. I don't like it. If you think about the mean spiritedness of paying people through thick and thin, high interest rates and low paying people 1/100th of 1% on their savings. How disrespectful is that? How much are the banks playing us like a fool? I don't like it because you know market interest rates are way beyond what savers can earn if you go somewhere else. But the giant monster megas are eat you up and they've got, I think it's in the trillions sitting in these 1/100th of 1% savings accounts at the giant monster megas. The other thing the giant monster megas are doing everything they can to capture more of your money. Because you may have heard me say in the past, banks have done such an irresponsible job at looking at us as people to take advantage of that. The amount of people's assets that banks now control is down teensy tiny. You almost need a microscope to see it. Because people have migrated so heavily, particularly to discount brokers and fee only fiduciary financial advisors. Their big money is no longer in the traditional banking system. So the banks now are building at a time that branches have been closing all over America. They're building these new multipurpose branches and it's setting you up because you're going to the branch to do some kind of transaction and in there will be some kind of wealth team or some term like that. And they have these investment operations that may or may not and usually are not fiduciaries. So they are legally not required to do what a fiduciary would do, which is what's better for you than for them. They have to meet some mealy standard that is awful. And a lot of them do two hats where there are some things they do as a fiduciary and then trick you and other things they do where they family show they take terrible advantage of you keeping it clean. And then there's the fees. The banks through their investment operations, and they could be very friendly, chatty people charge you fees that are so violating your wallet that are so much more than you pay at a discount broker that it would blow your mind. So you may think, well, what difference does it make if Vanguard or Fidelity or Schwab are charging 3/100 of a percent for an investment, but the bank is charging 2% for an investment. So it's, it's just 2% difference. And, and they're my guys or women. No chauvinism intended. So over time, the difference in those fees has massive impact on what you have left at the end of the day in investments or for retirement. But the worst thing, the worst thing. So a lot of these banks charge upfront fees and then ongoing fees. And again, they're not operating in many of the circumstances as a fiduciary. You want to have a bank account with a giant monster mega bank, fine. You want to have a credit card with a giant monster mega bank, fine. You want to have a car loan with the bank, not fine. Car loans should be done with a credit union, period.

[Krista]

Right.

[Clark Howard]

That's easy.

[Krista]

Sorry, go ahead.

[Clark Howard]

What you don't do with one of these banks, in my humble opinion, is you do not invest through their high cost and in many cases not fiduciary investment processes, period. All right, I have no opinion on this. Krista.

[Krista]

Sorry, I started to interrupt there before you were finished with your thoughts.

[Clark Howard]

Well, because, I mean, if you let me, I would harangue the banks from now till next week.

[Krista]

All right, we're going to go to questions. Nalani in the District of Columbia says, I have a high yield savings account with over $100,000. I recently opened a Vanguard Cash plus account. I also have a Roth with Vanguard that I maxed out each year for the past five years every month. I currently put funds aside in a high yield savings account, but I'm wondering if it's better to put those funds in the Vanguard Cash plus account now given the amount in my high yield savings. I'm not saving for anything in particular at this moment in time. Thanks for all your guidance over the years. It is because of this podcast that I've been able to save, save, save and to live a great life on less than I make. Also, Fred in Nevada sent this in. What are your thoughts about cash management accounts such as Fidelity and Vanguard instead of traditional bank accounts?

[Clark Howard]

So also Schwab all three have accounts. I have a legacy product I don't think they push anymore. A Schwab1 account that allows me to have an investment account, checking account, all the stuff all in this one umbrella. Fidelity has the Fidelity Cash Management account that goes back to the 1970s and it's a all in one account. Very well thought out, very popular through the years. Vanguard is Johnny come lately to this with the new Vanguard Cash plus account. It is not as thorough and as flexible as the Fidelity product or the Schwab product. Vanguard did not include the ability for you to use it as a complete substitute for having an account at a bank or a credit union. So if you do the Vanguard Cash plus account, which generally will likely over time pay higher interest than what the equivalent will pay at Schwab or Fidelity. But it's a more limited purpose kind of account than the ones available from the other two. So it all depends on what you want the account to do.

[Krista]

And we have reviews of both the Fidelity and vanguard accounts on clark.com and we'll put the links to those reviews in the podcast episode descriptions.

[Clark Howard]

And I should mention I don't have and have not had a traditional bank account and I don't know, 20 something years or further and I've been just fine not doing business with them.

[Krista]

Anthony in Georgia says Clark, I'm 25 and just getting started with investing. I currently have about $18,000 sitting in a high yield savings account earning 3.3% annually. Will it be smarter for me to prioritize opening a Roth IRA or a brokerage account at this stage and how much of my savings should I move into the investments versus keeping cash? I want to grow this money more efficiently while still staying financially safe.

[Clark Howard]

Okay, so Anthony 25, first of all that makes you my hero. That 25 you're asking these questions and your priority now is Roth ira. You can put huge amounts into it and that money grows tax free, ultimately spent tax free for retirement. It is the best deal for retirement savings that exists. So you got 18 grand. It's fantastic. Let's say you keep 90 days expenses in the savings. You go with that as an initial target and your big push needs to be getting money every month into a Roth ira. I love them.

[Krista]

Jesse in New York says, my wife and I have been saving money in a high yield savings account for a while in the hopes of becoming homeowners. My wife came across a program by Zillow where you can earn up to 6% savings match on the first $10,000 deposited annually and a 3.33% APY. I'm including the link to the website and hopes you or your team can have a look and see if there are any gotchas or if there's something we should consider. Thanks for all you and your team do. I learned and continue learning so much.

[Clark Howard]

All right, Jesse, thanks for this question and I don't think I've ever addressed this on the podcast or YouTube show. I've addressed it elsewhere. Okay, so there are fees with this account and the fees erode some of the benefit. But the big gotcha is if the money is not used per the terms and conditions towards the purchase of a house, you paid the fees and you lose the 6% savings match. So I want you to go through it and understand it is a big carrot. If you don't do everything like they want, there's a big stick involved and you need to put in enough money into this to make it enough that you're going to blow past the fees you have to pay for the account. So yes, for the right person, this is a good savings tool towards a down payment, but you got to be the right person for it. Coming up ahead, grandparents More and more people with how lifespans have extended have grandparents around that can dote on your kids and we need to talk about what grandparents are doing. That is a wonderful thing for the grandkids, but could be a real problem for the grandparents.

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[Krista]

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[Clark Howard]

Yikes.

[Krista]

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[Clark Howard]

Ouch.

[Krista]

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[Clark Howard]

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[Krista]

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[Don McDonald]

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[Clark Howard]

Okay, gotta tell you something I read in Kiplinger magazine just blew my mind. What percent of grandparents give money to their grandchildren? According to the Kiplinger story, 90% 9% of grandparents give money to their grandkids. How much do they give? The average amount per grandparent giving to grandchildren? Just under $4,000 a year. It's a lot of money. And I heard years ago from someone who was an administrator at a private school that that private school overwhelmingly tuition was paid at least in part by the grandparents, not the parents. That is true. That wealth skews heavily older in our society and every other society for those who have been able over a working lifetime to put money aside and have time for it to grow. But as I talk about, and I did talk about this months ago, parents giving to adult children at times to great harm to themselves as an adult child, though, seeing this generosity from your parents to your kids, if you know in your heart of heart that your parent or parents cannot really afford the money that they're using to dote on their grandkids. You know, it's always hard for adult children to talk to their parents, but you got to make sure that your parents are not harming themselves financially by what they give to grandkids. And maybe it's just fine. Maybe there's plenty of money there and they want to have the pleasure of helping out their grandkids. And in that case, a okay, but if it's going to cause lifestyle harm or it's going to cause problems with them skipping on meds or going to a doctor's appointment they should go to because they've been taking their money and transferring it two generations down to the grandkids as an adult child, you got it whatever way you can, you got to get them not to do that anymore. And then if they can afford it though, and they want to do it, particularly if they want to pay that school tuition or pay some of the college costs, you haven't got a problem with that, do you?

[Krista]

All right, you ready for questions?

[Clark Howard]

I am, Krista.

[Krista]

This is from Steve in Pennsylvania. I'm choosing to contribute to a traditional 401ks and IRAs in an attempt to keep my income low ahead of my son's enrollment in college. I will return to Roth contributions once college is behind us. Is this strategy sound? Is an exception to Clark's simplified guidance to use Roth unless you make gobs of money. Additional background, my income is around to the $200,000 mark below which some big name schools offer free or significantly reduced tuition. I max out all Tax Advantage accounts, so it's only a matter of Roth or traditional. And I understand that FAFSA is prior year prior prior year. So I'm doing this while my son is in the middle of high school and will continue through the middle of college.

[Clark Howard]

So, Steve, this is, if I remember right, the third situation recently that people presented to us about why my Roth obsession in situations is not the right answer. And you're a perfect example of when that would be true. We had another one recently about qualifying for health care exchange subsidies that if, if you're doing a Roth instead of traditional, the income would have gone up enough that you wouldn't have been in a position to get the subsidy on the purchase of individual health insurance. So yes, in your situation, just as the one recently about health insurance, completely right, that what a traditional 401k or a traditional IRA or both, what they do is they bring down your income enough in many cases below thresholds where other benefits accrue to you that you would lose if you were listening to the man from Roth, which is who I am and just doing that automatically. There can be exceptions.

[Krista]

Chris in Wisconsin says my wife and I are debt free and on track for retirement thanks to your advice. Two years ago we helped our daughter start her credit journey by co signing on a small $3,000 car loan on her car, which we'd actually paid for in cash. She's been great with the payments and the balance is down to $1,000. But Clark, I hate debt so so much that it really bothers me to see it on our credit reports. I'm tempted to just pay it off for her today. My questions first, will paying this off early hurt or help her credit score? And second, am I robbing her of the life lesson of making that final payment herself?

[Clark Howard]

Chris, Gosh, just let go of your obsession about not liking that thousand dollars being on there, as I assume it's a CO signer. That's what we mean. Here. I want this to be a very useful life lesson for her to continue making these payments. Let the string pay out and pay it in full. Shows more credit history as part of the process and shows that you were there backstopping her but she completed the task which is so worthwhile. And next going to hear from her on cart stakes. Why did you tell dad not to pay this off?

[Krista]

Zach in Texas says, I'd love your opinion on a situation where I feel like I'm breaking several of your rules but doing it in the name of saving money. Does it still count as breaking the rules if the savings are real? My family and I are planning a road trip to the Smoky Mountains this summer and I decided to rent a minivan instead of driving our own vehicles. When I started price shopping, the lowest rate came from $, which I know is a Hertz subsidiary, so that's violation number one. I checked several place Expedia Dollars, Direct website and Auto Slash. Booking through Expedia saves me about $100 and auto slash could save another $50. The problem is that the last time I used autoslash I showed up with a prepaid reservation and was told there were no cars available. That experience is still fresh in my mind. This time I went ahead and booked through Expedia with a free cancellation option. But I'm honestly nervous about walking up to the counter the day before our trip and being told there's no vehicle for us. So now I'm wondering, in this situation, what would Clark do?

[Clark Howard]

So it's what they call walking in hotels and the equivalent with car rentals, they take more reservations than they have cars for. So it doesn't matter what brand you book unless you have ultra high status with the car rental company. They just say, yep, no cars. Happened to me, hasn't happened to me. I rent 20 to 30 cars a year. This year I'll hit 30 probably. And it's only happened to me once in the last two years where I got to the counter and they told me to get lost. But it does happen and that's not Auto Slash's fault in this case. The thing you said about the problems with Hertz and them owning $hertz has been an abomination in customer no service and more recently the AI they're using to claim that people damaged Hertz cars with no real process for proper appeal of that. That's why it's so important with any car rental agency, not just Hertz, that you thoroughly video the rental car when you get it, when you turn it In I keep my videos three months to give plenty of time for a UFO phone call or mail to show up saying that I owe them all this money for whatever to a vehicle. By the way, I learned this so clearly many, many years ago when I took a rental car and it was the last one they had and it had a huge dent on the side. And that was actually when I started taking pictures and shooting video. And then sure enough I returned the vehicle and I get contact. They want $6,500 from me for the damage. And I said, and the guy starts yelling at me. I said, I have proof. I sent the proof. And then I was okay. The pictures are so important. So the most important thing also you said free cancellation option through Expedia. Remember my rule, you always reshop your rental cars before you go about 90% of the time. You book a rental car well in advance and you reshop it the week out. The rates will almost always be lower than when you originally booked. But if they're not, you keep what you already had. No harm, no foul, no cost because you didn't book a non refundable car rental. Well, thank you so much for being with us today. I hope that something today was helpful to you. Coming up on Friday, we've got our latest edition of Clark Stinks coming your way and all around every day. So many different ways we are there to touch your life in whatever way works best for you. Whether it's following us on a social media, looking at our YouTube shorts, watching our YouTube show, watching me on local television where I'm on the evening news, or listening to me on radio where I'm usually on morning drive time if I'm available in your market for either. Everything is devoted to empowering you with knowledge you can trust that you can act on so that you can save more, spend less and avoid always, never, never not ever get ripped off again. See you Friday.

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