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The Clark Howard Podcast
05.22.26 Clark Answers His Critics on Clark Stinks / Life Saving Health Tracking
00:36:53
Clark Stinks! & This Smart Ring Could Save Your Life
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- [00:01]
Narrator/Announcer
Morning decisions.
- [00:02]
Clark Howard Producer/Co-host
How about a creamy Mocha Frappuccino drink? Or sweet vanilla smooth caramel maybe? Or white chocolate Mocha? Whichever you choose, delicious coffee awaits. Find Starbucks Frappuccino drinks wherever you buy your groceries.
- [00:15]
Clark Howard
We gather here tonight to bring women back to their rightful place.
- [00:20]
Narrator/Announcer
The Testaments A new Hulu Original series from the executive producers of the Handmaid's Tale.
- [00:25]
Hulu/The Testaments Narrator
It's easier to accept a story than believe that the people around you are monsters.
- [00:29]
Narrator/Announcer
The battle isn't over.
- [00:31]
Hulu/The Testaments Narrator
There comes a time you have to take action when you have to choose your own destiny.
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Narrator/Announcer
Watch the new Hulu original series, the Testaments, streaming on Hulu and Hulu on Disney for bundle subscribers. Terms apply.
- [00:50]
Clark Howard
I'm so glad you've joined us today on the Clark Howard Show. You know why? Well, because this is our last show for five days because I don't like working holidays. So we're off on Memorial Day. And remember what Memorial Day is about, by the way. And we will be back at your service next Wednesday. But today is such a special day for empowerment. Our mission? To serve you with advice and information that empowers you to make better financial decisions. Because today is when I get to hear how I can do a better job in Clark Stinks. And then later. You know I'm obsessed with fitness trackers. There's an extra reason why you might want to wear the aura ring for your health. I'm going to explain why I am aura obsessed later in this podcast, but right now it's time to hear where I just stink it up in today's car stage. I should have never encouraged you to speak. You almost think I'm pretty stupid.
- [01:59]
Clark Howard Producer/Co-host
You should be ashamed of yourself.
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Clark Howard
Well, maybe I'm wrong.
- [02:01]
Clark Howard Producer/Co-host
Maybe I'm wrong.
- [02:02]
Clark Howard
Maybe you're right, pal. You're not dancing as much.
- [02:07]
Clark Howard Producer/Co-host
Janet in Virginia says Clark as the Grinch would say stink stank stunk. A gentleman who wrote in to ask about a problem with rental agencies being out of cars when you get there for your reservation. Apparently he had a horrible experience with that and was very anxious about it happening again. You explained that there's really nothing that can be done about it and that this is a general and well known problem with rentals which you have experienced as well. However, you neglected to talk about Turo or other similar platforms. I used Turo once on your recommendation and have had a wonderful experience since. Turo operates like Airbnb for cars. You're renting a specific vehicle and should never have the we're out of cars problem this seemed like the perfect answer to this gentleman who was so fearful of getting stuck again.
- [02:56]
Clark Howard
Janet, you are so right. And I don't know why I didn't mention Turo as an alternate.
- [03:02]
Clark Howard Producer/Co-host
And there could be a Turo problem. I had a tour reservation once where the company, it was a few days before the reservation and they had a few Turo cars. It was like a small business that was doing this and they said that car actually is now not available, but you can have this one. So I mean, there can always be something. You know, someone could have a. There could be an accident with their car, it breaks down and then you don't get it.
- [03:23]
Clark Howard
But you're right, that that was a blind spot on my part.
- [03:27]
Clark Howard Producer/Co-host
Okay, Melanie. Marilyn says, not stinky, just confusing. A listener was concerned that the large 529 plan for her son would go unused because the ownership had recently switched from the husband to the son. Thus starting the 15 year waiting period to transfer the son's Roth IRA to the son's Roth IRA. Clark's suggestion was for the son to invest the 529 money in a growth fund within the 529 and transfer it to the Roth in 15 years. I thought that there was a 529 to Roth limit of 35,000. Dol. Am I wrong or gulp. Is Clark wrong?
- [03:58]
Clark Howard
No, under current tax law you're right. Was that 529 bigger than 35?
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Clark Howard Producer/Co-host
I don't know if we knew how much. She just said I don't remember how much it was.
- [04:07]
Clark Howard
So what would happen in that case is if tax law has not changed and raised that limit over the years, the son would be able to transfer over five years. If also the limit's still the same. The 35,000 tax free from the 529 that would have had 15 years more of tax free growth, then it would be in the roth, be able to grow for the rest of the son's working cycle and spend tax free and then any excess would suffer ugly tax and penalty.
- [04:45]
Clark Howard Producer/Co-host
Unless then the son wants to put it in a 529 for his own kids. At that point, how'd you.
- [04:50]
Clark Howard
Oh, take them.
- [04:51]
Clark Howard Producer/Co-host
Sorry.
- [04:51]
Clark Howard
No, that's perfect. No, that was great.
- [04:54]
Clark Howard Producer/Co-host
Okay. Brad in Florida says, love you, Clark, but the tip you've always given that drying your razor blade after each use with a towel, saying it's going to last a long time does not work.
- [05:04]
Clark Howard
What?
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Clark Howard Producer/Co-host
I have been trying this for probably 15 years now with a bunch of different types of razors, hoping that someday it's going to work and it's never worked for me. Thanks for all you do, Brad.
- [05:15]
Clark Howard
I'm so sorry. I mean I made one blade last 14 months. Drying it after each use. Now should have gone 14 months. No, it was a miserable experience the last few months trying to stretch that. Oh, and I remember CBS News did a story with me shaving and with the 14 month razor and I was having to stand there with the camera guy shaving and hope that, that I didn't nick and cut, cut an artery.
- [05:50]
Clark Howard Producer/Co-host
Yep.
- [05:51]
Clark Howard
Because it was, it was so overtime. But having a razor lasts many, many months. I don't know what's happening in your case, but that's been no sweat for me. Now I don't talk about it anymore in my case because I got lazy and I use an electric razor almost always and so I don't have a way of calculating how long I've made a traditional razor work. But I'm really sorry because we've heard from a lot of people that drying the razor every day has gotten them ultra long time out of a razor.
- [06:26]
Clark Howard Producer/Co-host
Steven, Oregon says Clark was told that umbrella insurance increased a lot for the caller and they suggested it was cheaper to raise their home and auto policy coverage for around $1,000 in savings. What Clark didn't correct is that umbrella coverage does not equal home plus auto coverage. Umbrella covers additional categories, liability of rental properties, personal liability when away from home, libel, slander and defamation claims, false arrest or malicious prosecution claims liability as a volunteer or board member, dog bites or injuries caused by your pets that your home policy might exclude watercraft and wreck vehicle liability. Dropping umbrella for increased home and auto does not bring them back to baseline categories.
- [07:09]
Clark Howard
Thank you so much for mentioning that.
- [07:11]
Clark Howard Producer/Co-host
Jacob in Pennsylvania says Clark, your advice about the KS diapers didn't smell quite as bad as a full diaper, but it wasn't great. After looking on Costco's website, the 204 pack of Huggies is on sale for $39.99, the same as the cost of the 222 pack of KS diapers with a cost difference of 1.6 cents per diaper. The young parents shouldn't have to buy KS if they don't want to. Thanks for all you do Jacob.
- [07:39]
Clark Howard
Thank you. O. We heard from a lot of people about store diapers personal preference, right? Yeah.
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Clark Howard Producer/Co-host
Paul in Kansas says Clark, you're wrong on the national debt problem. Your first response was to raise taxes, but that will only lead to more tax fraud in the usa. No one really knows how much fraud is actually being done, but some accounts have left it. Over 50% of the tax revenue is not accounted for. And would you allow this for a company you own? Fix this first and the tax deficit by a year would go away.
- [08:09]
Clark Howard
Paul, I mean, I hope you're right. And the reality is we have obligations that we want the federal government to provide for and we don't have the money to pay for them. So we either stop having the federal government provide things or we have to pay for them. And how do you pay for them? Your suggestion is there's so much tax evasion and tax fraud going on that we could solve it with that. And I hope that what you're saying is true.
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Clark Howard Producer/Co-host
Justin in Texas says not sure what consistency smells like, but it sure does stink Regarding jewelry insurance, the clark.com article titled the insurance policies you need and some you don't, dated in September of 2025 says you advise your audience to add a rider to an existing home or renter's coverage instead of buying a separate policy. On your podcast, you've advised a separate policy instead of a homeowner's rider to prevent a claim on your homeowner's policy that could result in higher prem premiums or cancellation. So which is it?
- [09:10]
Clark Howard
Yeah, this is a great question, and I do speak in a confusing way about this. So most people who add a jewelry rider to a homeowner's insurance policy are insuring a few very precious, valuable pieces. That's when you buy that rider, you're not going to make a claim, at least I don't want you to, for an inexpensive, relatively inexpensive piece of jewelry. So if you're adding a jewelry rider, it could be for a claim of such size that you would make a claim on homeowner's insurance. But you always have the alternative, particularly if you would be tempted to use an insurance policy for more modestly priced jewelry. You buy a separate policy and then you're never tempted to make a claim against homeowners for a relatively what in the world of what a house is worth? A relatively minor claim. So I've talked about it in both scenarios and have led to confusion and how I explained it. I hope that explains why it can be on a homeowner's policy, but only for mega expensive pieces of jewelry. Not everyday kind of. I don't call it every day, but pieces that are not big, big money
- [10:35]
Clark Howard Producer/Co-host
pieces like costume jewelry.
- [10:37]
Clark Howard
Probably not even talking about costume jewelry. I would say, okay, so let me put a dollar figure on it today I would say that if you want to insure jewelry that a piece of jewelry is under $10,000 and you want to ensure that that goes on a separate jewelry only policy not connected to your homeowners. If you're somebody who has like a really expensive heirloom handed down by a family member or you like to really buy really expensive jewelry, then it's okay to have those items insured on your homeowner's policy because you would make a claim for something that was a mega dollar piece of jewelry.
- [11:20]
Clark Howard Producer/Co-host
And we'll update our article on clark.com so thanks for pointing that out. Larry in Idaho says Clark doesn't really stink, but does have a bit of an odor when it comes to weight until 70. To take Social Security, you need to do the math. I was 64. My break even point was 84. Taking it at 70 would have denied my wife and I many experiences and travel that we would not have been able to afford otherwise. My wife waited until she was 70. Longevity runs in her family and she has many relatives that live well into their 90s. A simple answer to a complex question does not help people.
- [11:51]
Clark Howard
Okay, Larry, thank you very much. All right, so why do I stay on this 70, 7070 theme? Because people overwhelmingly claim early on Social Security and a meaningful number of people claim at age 62. What I'm trying to make people do is think about later in life. What are you going to live on? Every year you wait makes your Social Security check, from the day you start receiving it significantly larger. And every inflation adjustment is larger because you waited on a higher base. So what I'm trying to do, you ran the numbers. In your case, it made sense for you to take it at age 64. And you did the math and you were really happy with what you did. Your wife waited till 70 and for specific reasons. But what I'm trying to do is make people go through a process like you did.
- [12:55]
Clark Howard Producer/Co-host
Leandra in Massachusetts says I must disagree with the answer Clark gave recently on the podcast to a question from a young couple who were planning to invest in whole life insurance policy to pass down family wealth. I thought Clark would tell them not to buy the whole life insurance package and invest their money in one of Clark's three favorite investment companies. Instead, Clark went off on a long tangent, talking about consulting with an estate advisor before buying the whole life package. My dad worked at a small life insurance company for over 35 years. He started as an actuary and worked his way up to being the cfo, second only to the president he told me in his very quiet but stern voice that if I ever needed life insurance to only buy term insurance, he said the life insurance industry developed all the other variations of life insurance to bamboozle and confuse the public about the value of insurance policies being sold by the life insurance companies.
- [13:45]
Clark Howard
Okay, so Leandra, why did I answer that particular question like I did? And why did it feel like I was off on a tangent? Because there are people who are being pitched life insurance as this incredible wealth tool that will allow them to retire much earlier and live an incredibly high end lifestyle. And so if I immediately shut down the conversation, only talk about term, I really needed to talk through why this was something that was overhyped and all the rest. So for you, knowing clearly what I talk about regularly, that for almost everybody level term life insurance is the only smart choice. If I just said that there, I wouldn't have addressed where. But this isn't about that. This is about me becoming crazy wealthy. Almost like magic. Like it's a magic room or something. So that's why I answered it how I did in that case. Because yes, baseline, what you said 100% right?
- [14:55]
Clark Howard Producer/Co-host
David in Texas says you're warning about horrifically bad in quotes forced place. Homer's insurance did not explain why this expensive insurance is as useful to the homeowner as a screen door on a submarine. You pointed out that the premiums are reduced ridiculously high, but failed to mention the big downside. The coverage is capped at the amount of the remaining balance of the mortgage loan. No matter how big the damage to the home may be and how small the remaining balance due on the mortgage loan may be, the homeowner gets only a release of the mortgage lien and what may be nothing but a heap of ashes or other debris that remain.
- [15:32]
Clark Howard
Thank you for saying that. I mean, force placed insurance is an abomination and the way it is allowed in various states is reprehensible. And what this is just very briefly, if you never heard us talk about force placed insurance is when your mortgage company decides the insurance you have on your home is not adequate, or if you accidentally let your policy lapse, they place this horrific junk that is unbelievably profitable for the mortgage company and will leave you pretty much high and dry. So you never ever, ever want to find yourself in a situation, not ever where you are left with the insurance that the mortgage company has forced on you known as force placed. I want to thank each of you for your posts. I learned so much from you. I learned that the way I talk about something may be incomplete, maybe inaccurate, or in some cases just wrong. And it's so important because this is all about you being empowered with knowledge that will help you improve your life. And if I do a bad job, I have failed you and that's the last thing I ever want to do. So you ever hear something, you're like, what did he say? Or what didn't he say? And you're. You're like, no. Take the time to go to clark.com clarkstinks and post it so we can all help each other. Coming up ahead, I want to talk about this Oura ring of mine that I've been wearing Oura more than six years. What it now is doing that is absolutely amazing for your health and life.
- [17:36]
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- [20:26]
Clark Howard
so it's a joke and it's really true. There is something wrong with me that I wear a Garmin fitness tracker as I've been wearing for closing in on 20 years, I think not the original one, they've all died. But I wear a Samsung device that gives me my Samsung smartwatch, has the Samsung Health on it and gives me a daily report. And then I wear the aura and the aura is amazing.
- [21:01]
Clark Howard Producer/Co-host
And if you don't know that's a ring.
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Clark Howard
Oh you are a ring. O u r a ring. I wear one too.com and I I just love the aura. There's so much data there that people don't even know is there. But what I want to talk about right now is something that's been saving lives on the aura. There is a section of it that tells you what it thinks is going on with your health. If you don't have an aura, don't worry about this. But if you do have an aura, you can go to your report on your Samsung, on your Android I'm Samsung or your or your iPhone and you will be able to see under your health. You'll be able to see how your heart is My heart report is not as good as it's been. It says that my heart is functioning with a cardio age roughly one year younger than my age I was at 1.4 and a half years. But it also looks for with deeper reports looks at things about your health that you should be aware of and it's been something that is turned into a potential lifesaver for people where it will tell you that there's something that looks really not so good about your health and there are People whose lives are literally being saved by the health reports that people are seeing on their Aura and Android discovering cancers, heart problems and the rest. Now, it doesn't tell you when you wake up in the morning, good morning, your sleep score was blah, blah, blah. And your readiness was this your. That's their rating of health. You have to actually take time at least once a quarter when you get your quarterly reports and look what it's saying about your health. And if it's saying your trend lines are not good, even if you're somebody who doesn't like going to the doctor, this is a good time for hypochondria and go find out if something is in fact wrong with you. If you haven't had a physical in forever and the aura is indicating really not good things, hope it's a false alarm. But if it's not, you want to catch things early. One of the diseases that according to Aura, has helped a number of people is some of the indicators have helped people discover very early stage lymphoma before it had a chance to really progress as a disease. And the heart stuff is there every single day where you can see stuff about your heart. And yeah, you can become too obsessive, which is a problem with me that I become too obsessive about data. And over time, others are going to have more and more success with direct to consumer devices rings, who knows what. Watches have not been as successful at tracking health as the rings because the connections they make to you. But I want to talk about something much more basic for one second before we go to your questions. And it's how your health can be so determined by how you're living your life. And I'm not talking about how you eat or how you exercise. The breakdown in social connections and loneliness is really affecting people's health. So much so that there's something that's been going on in England for a number of years that has the loneliness problem that's pretty much a part of modern life. And they've been prescribing doctors, write out a prescription for social connection and talk to you about how to get connected to people different ways. Because it is so important that you not live an isolated life that it will actually help your health. There was a study in Britain about how much difference it makes in people's actual health and longevity. Just being involved in activities, clubs, being involved with other people, however you do that. You know, I've always had this thing about the multiple benefits of volunteering and it fits right into this. The study involved millions of people and found direct results of you getting out there and forcing yourself. That's right, forcing yourself as a prescription, just like you might Doctor says you need this pill. Instead, what you might need is you need social connection and engagement.
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Clark Howard Producer/Co-host
All right. And I know Wes, who does our Tuesday podcast, Ask An Advisor, has done extensive research on what makes people happy, specifically in retirement. And that is the biggest part of it, is the social connections.
- [26:33]
Clark Howard
Yeah, wasn't that interesting? Because as a financial advisor, there can be a tendency with your clients and from your mind you're only talking about the money side of things. But money is not what makes people happy and absence of money can make people unhappy. But happiness involves much more than money and connections with people and community matter so very much.
- [27:00]
Clark Howard Producer/Co-host
Dan in Florida says, hey Clark, my son loves using your phrase I'm Clark Howard toward the end of your videos that he uses it the same way when he introduces himself to others. Lol. Gives us a laugh and thank you for that. My question is about your fascination of wearing two watches at a time for health reasons. What are your thoughts about luxury watches such as a more than $10,000 watches. Do you see yourself wearing one or would you rather invest it in a simple S&P 500 fund? Are luxury watches investments or are they worth waiting for due to the long wait list? This is a thing that so many people I know someone who's very obsessed with this and buys these know a couple people actually they watch YouTubers, I mean on watches, the luxury watches.
- [27:49]
Clark Howard
It's I have a friend who spends so much money on these watches and I razz them a lot and I say, so what time does your watch say? You know, mine are all hooked up to the Internet, so I know the exact time. Those fancy watches are never right on time, but it's a collectible. A collectible is a form for people who do so, a form of potential investment. But the tax code even discriminates against them if you're buying them as an investment. For me, I spent $249 on the watch. I'm wearing the Samsung watch and that just seems like a luxury to me. That seems crazy expensive. I was wearing a $12 wedding ring from Walmart and then I bought the Aura and I was spending and I wear it as my wedding band, even though that's not the wedding finger is not the best for monitoring. But it's closed. And that was when I first got one was $299. So that's luxury to me.
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Clark Howard Producer/Co-host
Right.
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Clark Howard
You start talking about spending $10,000. Or dare I say there are people who spend more than a hundred thousand dollars.
- [29:09]
Clark Howard Producer/Co-host
Oh, yeah. Oh, yeah.
- [29:11]
Clark Howard
That is so outside of my experience. It would make my head explode if I bought a hundred thousand dollar watch. So everybody's got to do what they love and what matters to them. But to look at it primarily as an investment. You said it right. I'd rather own a total stock market index fund than a fancy watch that might someday make me more money.
- [29:37]
Clark Howard Producer/Co-host
So I also have another reason that I don't want. I would never want a fancy watch. And I don't wear like designer, bring designer purses or anything like that. Is. I feel like it can kind of make you a target. Especially when you're out and about or you're traveling in a city, you know, I don't know. Do you ever think about that?
- [29:52]
Clark Howard
I don't know. Do armed robbers go after people's watches?
- [29:56]
Clark Howard Producer/Co-host
I mean, no, I just think they might think you have. That's a $20,000 watch that guy's wearing. He's probably, you know, I should go after his wallet.
- [30:03]
Clark Howard
And how do you know it's not a $20 imitation from Canal Street?
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Clark Howard Producer/Co-host
I don't know. Maybe I'm. Maybe I'm just paranoid.
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Clark Howard
May I be right?
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Clark Howard Producer/Co-host
Or like jewelry? I don't know, it just makes me.
- [30:14]
Clark Howard
I don't even think that way.
- [30:15]
Clark Howard Producer/Co-host
Okay. Kevin in Ohio says I recently purchased a house and part of the purchase terms was for the previous owner to give me $10,000 for a new roof. At closing, the money was given to the escrow company to hold until we could get the new roof scheduled to be installed on the house. It was winter here in Ohio, so we all knew it would be a few months. I was notified by the title company about a month ago that they've been hacked and the money was stolen and is as of now, not available to me. According to the title company, the FBI and other agencies are involved in tracking down the money. There are others who have had their money stolen as well. My question is, do I need to hire a lawyer to get involved on my end or do I let the title company work it out? I really don't have the money to replace the roof on my own. When I purchased the house, the insurance company wouldn't insure the house with the roof the way it was unless it was replaced. If they find out about the stolen money, can they refuse to continue to insure the house unless I pay for and replace the roof myself?
- [31:15]
Clark Howard
Right. Let's move away from what the insurance company might do to you about not having replaced the roof on a timely basis. Time is essential here. If you can find out other people who also have their money missing together, you may want to hire a lawyer to represent you. This is a messy situation. When money is sold from an escrow company or a title company, usually they will have insurance for this. But it's not something that you just sit there and wait, oh, I'm going to just wait for the money to show up. You sit on your rights, you lose them. And that's why at the very least you'd want to see if you can get with some people who this has also happened to. And you don't know how much money different people have at risk. Somebody else may have already hired a lawyer. You would want to join them if you could. And maybe you won't need to proceed with a legal action, but you have to be prepared to do so again. The laws vary by state on the responsibilities on the escrow agent or title company. And you want a lawyer who specializes in real estate in the state of Ohio where this occurred. And there are states where there's no clear requirements. Believe it or not, if an escrow agent has money stolen from them, that lays out a procedure for you to get your money back. So this one is ugly and you don't want it to be ugly to you. And that's why you need to be active, not passive.
- [33:04]
Clark Howard Producer/Co-host
Oh, so sorry that that happened to you, Kevin. I've never heard of such a.
- [33:08]
Clark Howard
And you know, we may hear from. In response, we may hear from some lawyers on what they have found in the past is the best way for him to proceed.
- [33:19]
Clark Howard Producer/Co-host
I also wonder if Kevin used a closing attorney, maybe they might know of other people that if they were the one, I don't know if, like they would know who else might use this title company or a way to hunt down people who I don't. You know.
- [33:30]
Clark Howard
So I'm not, I'm not smart enough to know in Ohio if closings are done by title firms or they're done by lawyers. So it could be the very organization that did the closing that also is missing the escrow money that we don't even know.
- [33:47]
Clark Howard Producer/Co-host
Okay.
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Clark Howard
Because there are states where escrow agents actually, or title companies actually are involved with the closings Instead of a traditional real estate lawyer.
- [33:58]
Clark Howard Producer/Co-host
Obadiah in Georgia says, I'm getting an onslaught of US mail solicitations for charitable donations. Sometimes as many as 10 a day.
- [34:06]
Clark Howard
No, you're not.
- [34:08]
Clark Howard Producer/Co-host
DMA Choice.org a legitimate and effective way to stop the insanity. On a side note, we know you love redundancy, I. E. Multiple health trackers, etc. I think you should consider wearing both suspenders and a belt to make you doubly sure that your pants don't fall down. I had to put that in here.
- [34:28]
Clark Howard
Fortunately, I've never had my pants fall down. No pants on the ground here. Oh, was that a bad punt?
- [34:34]
Clark Howard Producer/Co-host
No. I loved that Pants on the Ground song. Bringing me back.
- [34:37]
Clark Howard
Yeah. So dmachoice.org, which is direct Marketing association, works with legitimate organizations. Unfortunately, a lot of the organizations you may be solicited by are not up and up charities. They may not be charities at all. They may just be con artists or they may be solicitors for kind of sketch charities that qualify as charities but don't spend money wisely. So this one's a bad one. My late mom, early stage dementia, was giving money to some phony charities and we had to divert her mail. And I would go through her mail, I would have a basket and I'd be throwing away one sketchy solicitation after another, after another, after another after another. And one day I was sitting with my mom, had this really thick Southern accent. She said, darling, you're throwing all those away. And I said, yeah, when there's a legitimate one, I'll give it to you. So know that if these are on the sketch side of charities, you're not going to be able to stop the solicitations. But dmachoice.org will. If you want to shut down a lot of charitable solicitations, they're just overwhelmingly you and they are from up and up places going there should stop those. But gosh, I know it's terrible for me to say there are people soliciting from you that are not okay or are maybe a little shady as charities where the money is going to insiders and not to the service delivery. It's just a fact. And so we have some sources you can go to to actually check out a charity that you're considering or interested in and giving money to. And on clark.com we've got links for you directly to where you can check out charities. Not every charity will be rated there, but it's a really good help to you to check them out. And I hope you have a wonderful kickoff to summer this weekend and a wonderful holiday, Memorial Day on Monday. You know, this is my absolute favorite time of year. I love it. The hotter it gets, the better for me. The longer there's sunlight the better for me. The one thing that is true though for me about the dead of winter, I get more sleep. My they called circadian rhythms when it's light later takes me longer settle down. When it's light early, I tend to wake up earlier. So that's the only downside for me of summer is I just don't get as much sleep. But I sure do love it and I hope you have an opportunity on Monday. Just take a second and remember the people who lost their lives fighting for your and my freedom and I'll see you next Wednesday.
- [37:59]
Ryan Reynolds
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Clark Howard
But that's weird.
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Ryan Reynolds
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Clark Howard Producer/Co-host
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Indeed Advertiser
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