← The Clark Howard Podcast
The Clark Howard Podcast
06.19.26 Clark Answers His Critics on Clark Stinks / Subscription Management
00:33:56
Clark Stinks! & Subscription Fatigue? Do This 4 Times a Year to Save Money
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- [00:00]
Clark Howard
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Clark Howard
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- [00:27]
Clark Howard
June 30 terms at aka mscollegepc. Ray Ban meta lets you explore the world without a screen getting in the way so you can stay present in the moment. Hey, Meta, tell me what kind of dessert this is.
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Krista
That's a stroopwafel, a Dutch waffle with spiced syrup in the middle. Is it sweet? Yes. Perfect for a snack or dessert. Mmm.
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Clark Howard
Delicious. Get answers on the go without interrupting your flow. Ray Ban Meta Iconic Style meets Meta AI. Available at Walmart and other authorized retailers. It's my pleasure to welcome you here
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Krista
to the Clark Howard Show, a very special Clark Howard show. Because tomorrow's your birthday.
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Clark Howard
Yeah, it's already my birthday in Australia and New Zealand.
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Krista
It is. And this is awesome because now you don't have to work on your birthday this year.
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Clark Howard
Yeah, but could I have a better birthday gift than to work with all of you on my birthday? So why don't we come in tomorrow and do more? Okay. No.
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Krista
Called your bluff.
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Clark Howard
Not gonna happen. But, you know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. And today I'm getting this early birthday present, something that, believe it or not, is like a gift to me. It is a gift, not like a gift. And that is when I learned from you and our weekly Clark stinks segment. And later, I got a homework assignment for you. So, Krista, it's time for us to hear how much I. I should have
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Krista
never encouraged you to speak.
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Clark Howard
You must think I'm pretty stupid.
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Krista
You should be ashamed of yourself. Well, maybe I'm wrong. Maybe I'm wrong.
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Clark Howard
Maybe you're right. Pa.
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Krista
Okay, Jess in Michigan wrote this one for you. Clark, you were recently referring to mini split ductless heating and cooling systems. You stated that heat pumps save 75 or 80% in energy costs. This is a commonly misquoted assumption. Heat pumps are incredibly dependent on local climate. Here in Michigan, I have many friends and relatives with such systems, and in the winter, they do not work very well. Nearly everyone I know with a heat pump either keeps their home ridiculously cold in the winter, like in the 50s or has a supplemental heating system which then increases the cost of operation, not to mention the installation cost of a secondary heating system.
- [03:08]
Clark Howard
Jess, thank you. And what I was talking about recently was the new systems that are able to work very efficiently even in climates with sub freezing temperatures. And yes, you're completely right, older heat pump systems in extremely cold climates have a lot more complexity. With them you might have to have the backup just as you said. So the money savings aren't necessarily there with the older systems, but the new ones, if they live up to the hype, are absolute slam dunks even in colder climates.
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Krista
Kathy in Vermont says hi Clark, you agreed with the caller and how wonderful Apple Pay is because when your credit card is stolen, the credit card company can automatically update the new card in your Apple wallet. I recently had a credit card compromised and the thieves entered the card information into their Apple Pay. So when my new credit card was issued, it automatically updated my Apple Pay and the thieves Apple Pay. With each new credit card issued, I had to report it as stolen before I ever actually received a physical credit card card. After the third time, the credit card company sent me to their IT department who explained what was happening and they stopped the automatic card updater service before issuing me the next credit card in order to stop the thieves. The Automatic card updater service sounds convenient, but not if the thieves have entered the credit card information into their Apple Pay or any of the other companies like Netflix, Amazon and PayPal who are also associated with this service.
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Clark Howard
Wow. I mean, I appreciate this so much because all we've talked about in the past is the advantage of the auto update. I didn't even know that criminals had figured out a way to compromise that. So thank you very much for letting me know. And you know, then Apple and the financial institutions will come up with a way to block this and then the criminals will come up with a new way to hack the system. But you just told me something I'd never heard of and I appreciate it very much.
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Krista
Richard in Georgia says, hi Clark, I think you might improve your aroma if you modified your broad brush approach to big banks. A few months ago you read my tale of woe on the podcast. $17,000 was stolen from my checking account at a big bank A, so I switched my account to big bank B. I on the air, both you and Krista made fun of me for not making the choice you typically recommend claiming that both big banks offer the same lousy service. That is not my experience. The new big bank is vastly superior to the old Big bank. Painting them both with the same broad brush was a stinky move. I became a private client with my own VP at the new bank which is a mile from my house. I introduced the VP to my significant other and I assigned beneficiaries to my accounts. I could not be happier. I'm not charged any fees. The investments I had made with Schwab and Vanguard were moved at no cost to the new bank. And I have the full attention of both the VP and the investment advisor when I arrive there. Furthermore, the security procedures at the new bank are significantly better than those of the old bank. The new bank's treating me very well. Maybe it's because I don't require any loans. Who knows, if I did, the interest rates might be sky high. But I don't need a loan. The switch has been significant improvement for me. I believe the confidence a top management at the new bank trickles down to the employers at the local branch. You see Clark, not all big banks are the same. And I just want to say, since he mentioned me too, Richard, I'm sorry if it sounded like I was making fun of you at all. I know both of us, we would never want to upset anyone or make them feel like we belittled or made fun of them. We make fun of the big banks and so it probably giant monster megabank transferred over.
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Clark Howard
The giant monster mega banks are four banks. Chase, Citi, bank of America and Wells Fargo. It is true that one of my character flaws is I do paint them with one big broad brush and that's really, that's my bad. On the other hand, I would say to you moving investments from Schwab and Vanguard, even though you're very happy with the investment person you have, normally the expenses you're going to have on your investments at one of the bank based brokerages or will be significantly higher than you would have had with Schwab and especially with Vanguard. But the most important thing is your point that I painted with that broad brush and you found a completely different experience at another of the big four giant monster megas. And that's great that you found a good home that works for you there.
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Krista
Josh in Missouri says, hi Clark, you don't stink but you definitely missed an opportunity. I also love Costco, but when you talk about your cheap shirt shirts and cargo shorts from Costco, you miss an opportunity to tell viewers that if they have the means, they should still also try to buy clothing made in the usa. I know it costs more, but in my view it's well worth it.
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Clark Howard
All right, Josh, thank you for that. And I must, for those of you watch the YouTube show, I must disclose that my pants and my shirt are both from Sam's Club.
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Krista
Those are cargo shorts too, by the way.
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Clark Howard
So where's the Clark of four? Where's this? You can see the shirt. What country is it made in? You see a label there?
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Krista
I see a label member's mark. Made in Bangladesh.
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Clark Howard
Bangladesh.
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Krista
Bangladesh, yeah.
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Clark Howard
You know, that's something we've found is very popular on Clark deals. When we publish deals of items that are made in the usa. And with clothing, I don't know, I don't even think of clothing brands typically manufacturing in the United States. I think of them is manufacturing overseas. So I don't look at that a lot in labels, but I will take that to heart and I'll try to remember to look at clothing labels to see point of origin before I purchase. And an American made good. We want to support American workers. As a practical matter, though, very little clothing is manufactured in the United States.
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Krista
Heather in Utah says, I love you, Clark, but you never mentioned why your brother and his wife only lasted 4, 5 weeks of cruise living. Please spill the deets.
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Clark Howard
So when Gary and Deborah decided they were going to live year round on cruises, and we covered this on the podcast a few months ago, that's when
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Krista
she was saying, like, you never said why they.
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Clark Howard
Yeah, so there are people who love that and they thought they did. They'd always loved going on cruises a week at a time, and they found that the walls started to close in on them after a while. It's kind of like what I compare it to is people who go on vacation to a particular place and think when they retire, they want to go live there. And they go there and they're like, huh, Being here all the time is different than being here for a week. And so being on, you know, a tropical island is great for vacation, but maybe not for the long haul. Being on a cruise for the long haul for many people just doesn't pay off for them. It's not their thing.
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Krista
Bob in Washington says your answer to the question about renting or driving your own vehicle 3,000 miles on vacation smelled so bad that I had to remove my earbuds because the smell came through them. You said if you only consider the depreciation of a vehicle per mile, the cost of actually operating it, ensuring it, the maintenance, that comes sooner because of putting what would likely be as many as 3,000 miles going from Wisconsin to Florida and back, it's a smart Decision to pay the $1,000 to rent. However, you left out the number one variable. How old is your vehicle? If it's six years or older, there's little if any depreciation. And the cost of insuring it is the same whether it sits in the driveway or it's on the road. For an older vehicle, the real cost of driving your own car is just the cost of fuel. The cost of maintenance would be less than half of an oil change, equal to less than $50. $50 versus 1,000. No way in the world the Clark Howard I listen to would do such a thing, would he?
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Clark Howard
You are the second person who's made this point to me that the average age of a vehicle on the roads in the United States has now crossed 13 years. And that is, as best I know, an all time record for the age of vehicles. No doubt you're right about the depreciation curve is people are keeping vehicles longer and longer. The math method that I've used based on data AAA has done does not apply once a vehicle gets at half a dozen years. So you are right that the math formula does change. Now, a lot of times people want a newer vehicle when they're on a long road trip because a vehicle with high miles on it may unfortunately have a mechanical problem on a long road trip and that blows the trip. But in terms of dollars and cents, you are right. I've been wrong again and again. I do love this.
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Krista
Terry in Georgia says, Clark, Clark, Clark, you stink worse than a rental horse ridden all day during the Georgia summer. I wonder if rental horses stink more than non horses. A recent caller noted how much sites like Carvana charged to sell a used car. Your answer was that we pay commissions when buying a house and that that was the same thing. However, you ranted for years on how expensive realty commissions were at 6%. If used car prices have hit $50,000 and Carvana is making 6,000, that's new car prices have hit 50 and Carvana's making 6,000 on average per car. That's a 12% commission, double what realtors used to charge for a house. Please tell me you don't find that acceptable. Anywho, love your show and keep up the good work.
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Clark Howard
Okay, so Terry, I think we're talking about apples and something else.
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Krista
Oranges?
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Clark Howard
No, we're talking more like apples and broccoli branches. Okay here. Because if you're talking about Carvana versus other outlets that buy and sell used vehicles, they all have a markup between the buy sell. That is part of the process when you buy at a place. Now, I don't remember the context that this was about the conversation we had about private sellers, private buyers, instead of going to a dealer. But what's happened is that there used to be a very vibrant private selling and buying market on used vehicles. Today, a tiny, tiny percent of used vehicles are marketed and purchased that way. They're almost always done at dealers. The thing about carvana and why they terrify traditional dealers is people love the process of buying from carvana or selling a vehicle to carvana because there's no games, no gimmicks. My big thing about the car business is go with what works. And what works is making information available online. Most people who buy a car from carvana buy it on a smartphone, and they give you a right to return it for a period of time for a refund of your money, no questions asked. I mean, this is the thing that people want. Give them what they want.
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Krista
But how about the point of whether you would do. So you're going to sell a used car. What do you do?
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Clark Howard
Oh, so I have sold used cars myself, and I don't do that anymore. I find it too complicated. And also, I face an additional reputational risk that if I in good faith sell somebody used car and it turns out to have problems, almost immediately somebody feels like that guy rooked me, that Clark rooked me. So I do sell.
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Krista
You sell. And what I've seen you do is you compare different.
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Clark Howard
You'll look at car place after place, Whoever gives me the most money. The last vehicle we sold, we sold to a traditional dealer because they offered more money than carmax or carvana. What I like to do is I get baseline with carmax or carvana, and then I go to branded dealers that sell that particular brand and see what they will pay me for my used car I'm selling. And I don't just go one place. I go multiple places to see where I get the most for that vehicle I'm getting rid of. Okay, So I want to thank you.
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Krista
That was no happy birthday.
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Clark Howard
Yeah, I mean, that was fantastic. I mean, wow, that was a great Clark stick. Okay, thank you. And I want to thank you for taking the time to think through the point you want to make to me, writing it up, sending it in, because it's how I learn. We all learn from each other. You know, we've got two ears, one mouth. And right now, in modern culture, we don't do enough of using the double ability to hear versus the single ability to talk. We need to listen more to each other. We need to respect each other more. And it's so key for me to do a better job for you to have the opportunity for your feedback. And I appreciate it and truly it is the best early birthday gift I could have. So coming up ahead, I've been thinking through this thing with subscription fatigue and all the money we're throwing away on things we don't even remember we signed up for. And I've been trying to figure out what's a way for you to get your arms around it. And I have a new thing that I want you to try. We're going to talk about straight ahead.
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- [18:57]
Krista
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- [19:34]
Clark Howard
You could say that again.
- [19:35]
Krista
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- [19:48]
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- [19:48]
Clark Howard
I am clearing the rest of the day.
- [19:50]
Krista
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- [20:09]
Clark Howard
your groceries, your debit card, your credit card, access to your checking account set on automatic pilot. This is the thing everybody in business wants to do now is get you subscribing to something, whatever it is, ongoing monthly revenue streams for you. If you have any Apple product. Where does Apple really make their money? Apple Care and any kind of ongoing subscription, that's where the real money is made, not in the hardware. And we had a Clark stinks recently about my Oura ring that you got to pay this monthly subscription for the data. These subscriptions are everywhere and they get out of hand. So I've been trying to think, what is a strategy for you to get your arms around it but not make it a new part time job? So I've finally come up with something that I want you to put to work this weekend. And four times a year, what do we do? We change seasons. And there's a lot of stuff, hey, first day of summer, first day of fall, first day of winter, first day of spring, each of those days. So at least four times a year you go through all your bills, your bank or credit union statement, your credit card statement or statements, anything you've got where you would have it tied in to an automatic subscription, I want you to go through and see what's there and cancel what you don't need or reduce the cost of what you do get. So I had a, a revolt in my family. I mean, the family was to the barricades when I was like, nobody watches this Netflix thing, I'm going to discontinue it. And it was like, I don't know, it was like 18amonth or something. Well, what happened was I didn't, I just had this conversation in my head. I canceled it. And then I got grief from the family. So what I did, the compromise was I went to the cheapest version, which was this stripped down version of Netflix that I think is 8.99amonth or 9.99amonth instead of what we were paying, which was nearly double that now has gone up itself. So there are things you can do where you reduce the cost or kill a service. You don't need with whatever it is you're paying a subscription for. If you'll follow my seasonal calendar. And four times a year, you make it your duty, your responsibility, your mission to reduce costs in your life by going through your bills. And you say, I didn't know I was paying for that. Whatever it is, whatever that is, then you're going to save money. Now let me tell you the last one I found. We're paying for a streaming service. And then I was getting a bill from Roku. I didn't know what for, so I went on Roku. We were paying for that same streaming service again through Roku. I mean, I couldn't eat lunch for two weeks for that. I was so mad. Nobody in my family wants to get the text from me about a streaming service. So anyway, that's your assignment. Here we are at the turn of a season. Want you to take this on this weekend. And then three months, never now again. Three months after that again, and on like that to get your wallet under control. There are all different kinds of things we subscribe to. I would say a huge percent of them we're either overpaying for or don't actually use, and we're paying for them. What do you think of my new idea of the seasonal?
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Krista
I love it.
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Clark Howard
Because I was, I was just like, how do I get this as a regular thing?
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Krista
I love it. And also, if you're trying to find a better deal on your cell phone subscription or your streaming subscriptions, use our tools@clark.com. they're pretty awesome.
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Clark Howard
No, they're way past pretty awesome. Because these are things that are in the category of what's known as the paradox of choice. There's so many options, so many prices that people get overwhelmed, so they do nothing. So what we've been able to do with our tools, which give you decision making ability, they don't just throw information at you, they actually give you decision making ability. You're able to see, oh, I didn't know I could do that and save that money. So these tools help you. Like, for example, we have one for traditional cable kind of streaming. I don't know what to call it. What you'd get from YouTube TV or you'd get from Sling or you'd get from Fubo or something like that. You can build your channel lineup and as you add channels, you see, oh, my monthly streaming goes up $38 if I add that channel. And you think, do I really need that channel? Okay, I could live without that one. I'm going to save $38 a month or whatever the number is. I love that decision making tool. That's how we ended up with Sling.
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Krista
Okay, Dan in Georgia wrote into you. He said we've been talking so much about inflation, stagflation, shrinkflation. I wanted to talk about another one, Adflation. I've noticed so many more advertisements on streaming and streaming has been the worst. Not only the cost of ad supported streaming has increased, but the length of ad breaks have been getting longer too. There's now partially ad supported streaming where sports content will have ads and other content won't. Looking at you HBO Max, even listening to your podcast has more ads. There used to only be ads in the beginning and middle and now they've added ads at the end of your podcast. Am I onto something or am I already getting curmudgeonly?
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Clark Howard
So okay, yes, there are more ads. And with some of the video streaming services, the ad breaks now will be eight commercials. And it's getting more like what we used to have with regular tv. And as far as our podcast, are we putting in more ads than we used to?
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Krista
No. We used to have the availability for ads at the end of the podcast, but most people wouldn't buy them because it was not as valuable. But we have the slots and we put in automatic ads sometimes. So the the reason that advertisers don't love those is because it's so easy to just skip to the next podcast.
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Clark Howard
So okay.
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Krista
But yes, we do put ads. It is an ad supported podcast.
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Clark Howard
So when we did syndicated radio There were 18 minutes, what we called units. 18 minutes of commercials an hour.
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Krista
Yeah. No, there aren't. How many with us?
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Clark Howard
How many are there?
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Krista
I'll find out an exact amount for you, but it depends on the podcast. One of ours I'll have to find out, but it would vary on ours as well.
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Clark Howard
But it's not anything close to 18.
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Krista
No way. No way. Okay. Pablo in Virginia sent this one in. I'm reaching out with serious concerns about our beloved S&P 500 and such indexes. Providers like Nasdaq have recently introduced fast entry rules for mega companies going public, cutting down seasoning, which used to be months to a year to just five to 15 days ahead of companies like SpaceX and AI firms. My worry is that these companies often debut at massive hyped valuations. By forcing passive S and P or NASDAQ index funds to buy them almost immediately. Regular investors have zero time for market price discovery to happen. We are essentially forced to buy Top of the market hype without user input. For long term investors who love the low cost simplicity of index funds but want to avoid being forced into unseasoned, high flying mega IPOs on day one, what are our options? Are there specific alternative indexes or fund strategies you recommend that preserve seasoning rules or mitigate this fast track risk? Thank you in advance. A really concerned Clarkey.
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Clark Howard
Thank you. Is a really concerned Parky Pablo. I'm very aware of this. Do you know that now The S&P 500 the tech stocks are so big that here's a story. Where's this story from 247 Wall street that Fidelity calculated that somewhere between 35 and 40% of the value of your holdings in an S&P 500 index fund are from seven stocks? 7 out of the 500. It's so tilted out of balance right now. And then I'm going to say something about SpaceX. What they have done in space is stuff that very brilliant people said could not be done. Their story and it's a story stock is real. There are things they've done that are amazing. The values in my mind are way out of kilter. And that money that's going into SpaceX then means there's less money to go into other things. So this is a hard one. And I'm sure that the marketplace for ETFs will respond with funds if you're worried about overexposure to new stocks and all that. And the S P 500 responded. S and P responded. They are not going to add these new IPOs to the index. They're not going to waive their normal rules about showing some seasoning. But the reality is the tech stocks have created an unbalanced thing where The S&P 500 originally was designed to be you getting a broader feel of the market. That's why I've had an obsession for years with the total stock market index instead of The S&P 500. Gives you a little more diversification but still a heavy tilt towards these tech stocks. This is the kind of thing Wes is covering so much in his podcast that's on Tuesday, Tuesdays. And he is a fiduciary fee only financial planner. That's why we have him because he's a fiduciary to dig deep into this and I'm going to talk to him about this as well. Maybe it's one of the things we should do. Oh I love it together and talk about how out of whack the index funds are going to become.
- [30:55]
Krista
Okay. Thomas in Florida says I want to start by saying thank you. Because of your incredible financial advice over the decades, I was in a position to comfortably retire when an unexpected heart attack changed the course of my life.
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Clark Howard
Oh my goodness. I hope you're okay.
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Krista
Your guidance truly saved my future. Now I'm getting ready to live a little and fulfill a bucket list dream. I'm heading to Fiordland, New Zealand for a four day backcountry cruise and fishing adventure.
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Clark Howard
Wow.
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Krista
I'm actually joining a favorite YouTuber of mine, Nomadic fishing kayak for the expedition. Because of my medical history in the remote location, having a rock solid travel, medical and evacuation insurance is a must. I've looked into GeoBlue, IMG and Alliance. Do you or Alliance, I'm not sure who. Do you agree with these choices for high quality medical coverage abroad or is there another company you recommend I look into?
- [31:52]
Clark Howard
Okay. There's so much debate with all the different companies that offer medical evac and then actual travel insurance of various types. And everybody's got their favorites for adventure travel until they file a claim and have trouble getting it paid. This is the biggest problem with any form of travel insurance is no matter how impressive the brochure is, getting it paid. I would check, I don't know if you've checked with your nomadic fishing kayak person to see what they found works. If they're out on an adventure trip and somebody needs medevac, the company who I see and this, this is not a traditional trip insurance policy, but Global Rescue is one in particular that I know that has a decent reputation. I wouldn't say anybody in the travel insurance or evacuation space. Medevac has a great reputation, but an okay reputation. I'd say Global Rescue. And for.
- [33:00]
Krista
Isn't it Global Rescue Travel X?
- [33:02]
Clark Howard
No, travelex is an insurance.
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Krista
Oh, that's another one. Okay.
- [33:05]
Clark Howard
Another company, if you're looking at travel insurance that as part of its features includes medevac, Travelex is one that I know I have some friends who do a lot of very adventurous travel and something I would not do like climbing in Nepal and stuff like that. And these are the companies that people I know who do this stuff a lot have done. But there may be others as well. But the big problem I need to tell you, no matter who you buy, whatever company you sign up with know that the hardest part is getting the money they promised. So our promise to you that everything we do, everywhere we do it is there for you and your empowerment so you have more control over your wallet that you're in a position to save more and spend less and avoid getting ripped off. And through the weekend, we serve you@clark.com clarkdeals.com and for me, summer's been on going on for a while because for me, the official kickoff of summer is Memorial Day. But I know the official official time is upon us. And I hope that you enjoy your summer as much as I know I will. Because I am a summer kind of guy. And if I could, I'd live the US Winter in the Southern hemisphere so I'd have summer twice.
- [34:37]
Krista
So go enjoy yourself and you have a happy birthday.
- [34:40]
Clark Howard
Thank you. And we will be at your service on Monday. Hey sweetie. Your mother showed me this Carvana thing for selling the car. I'm going to give it a try. Wish me luck. Me again. I put in the license plate. It gave me an offer. Unbelievable. Okay, I accepted the offer. They're picking it up Tuesday from the driveway. I haven't even left my chair. It's done. The car is gone. I'm holding a check anyway. Carvana, give it a whirl. Love ya.
- [35:11]
Krista
So good you'll want to leave a voicemail about it. Sell your car today on Carvana. Pick up fees may apply.
- [35:18]
Commercial Announcer
Ryan Reynolds here from Mint Mobile. I don't know if you knew this, but anyone can get the same Premium Wireless for $15 a month plan I've been enjoying.
- [35:26]
Clark Howard
It's not just for celebrities.
- [35:28]
Commercial Announcer
So do like I did and have
- [35:29]
Krista
one of your assistant's assistants switch you to Mint Mobile today.
- [35:33]
Commercial Announcer
I'm told it's super easy to do@mintmobile.com
- [35:36]
Krista
Switch upfront payment of $45 for three month plan equivalent to $15 per month required intro rate first three months only, then full price plan options available, taxes and fees, extra feeful terms@mintmobile.com.