08.06.25 Trump Accounts For Newborns / Sim Card Danger & An Easy Fix

Summary

The Clark Howard Podcast - Episode 08.06.25 Summary

Release Date: August 6, 2025
Episode Title: Trump Accounts For Newborns / Sim Card Danger & An Easy Fix
Host: Clark Howard

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Introduction

In this episode of The Clark Howard Podcast, host Clark Howard delves into two significant financial topics: the newly introduced Trump Accounts for newborns and the escalating threat of SIM card swapping. Alongside these discussions, Clark responds to several listener questions, providing expert advice on auto insurance, managing savings versus borrowing for home renovations, credit score fluctuations, housing market trends, wedding insurance, and the safety of money market accounts.

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Trump Accounts for Newborns

[00:55] Clark Howard:
Clark opens the episode by addressing a frequently asked question: “Should a parent start a Trump account for their child?” He explains that the Trump account is a savings initiative where the federal government deposits $1,000 for a newborn, which can be supplemented by up to $5,000 annually. However, Clark advises against contributing additional funds beyond the initial $1,000 and the $2,500 employers may contribute.

Key Points:

• Initial Deposit: $1,000 from the federal government, designed to be invested in low-cost index funds with stringent expense ratios.
• Employer Contribution: Up to $2,500 tax-free for employees with small children.
• Parental Contributions: Not recommended due to unfavorable tax treatments compared to alternatives like 529 accounts or Roth IRAs for children.

[01:30] Clark Howard:
He emphasizes that while the Trump account provides a straightforward way to save for a child, other saving mechanisms offer superior tax benefits and flexibility. For example, a 529 account allows tax-free growth and withdrawals for educational purposes, and funds can be transferred between children if needed.

Notable Quote:
"The Trump account, if money falls out of the sky from the federal government, birth of a child or an employer from money falls out of the sky tax free to go into the account, take that money, don't put any other money into it." [02:15]

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Listener Questions

1. Separate Auto Policies for College Kids

[05:08] Listener Lawrence from Washington:
Lawrence inquires about the necessity of obtaining separate auto insurance policies for his two college-aged children, expressing concern over potential liability in the event of an accident.

[05:25] Clark Howard:
Clark advises that if the children are dependents and he provides more than 50% of their financial support, separate policies don't shield him from liability. Instead, he recommends purchasing an umbrella insurance policy to cover excess liability, which is affordable and provides substantial protection.

Notable Quote:
"There's no downside to it why do I say don't contribute to it yourself?" [05:50]

2. Savings vs. Home Equity for Basement Renovation

[06:46] Listener Stephen from Minnesota:
Stephen congratulates Clark on saving $100,000 and seeks advice on whether to use his savings, currently earning over 4%, or to take a home equity loan or HELOC at around 7% to finance basement renovations.

[07:26] Clark Howard:
Clark recommends using the saved funds first, ensuring to maintain an emergency cushion of at least three to six months of living expenses. If additional funds are needed, he suggests borrowing through a home equity loan with a fixed rate and a manageable repayment window, rather than tapping into high-interest options.

Notable Quote:
"I would say your first money that you use for the reno or the basement is money from the 100,000 you've saved rather than borrowing money when you're getting close to that point where you would no longer be able to cover six months living expense." [07:40]

3. Credit Score Fluctuations from Paying Credit Card Bills Early

[09:08] Listener Jerome from Maine:
Jerome reports a drop in his credit score from 822 to 783 after paying off his credit card bills in full before the statement date, and notices it rebounds when activity is minimal.

[09:26] Clark Howard:
Clark explains that frequent payments can lower the credit utilization ratio by keeping outstanding balances low, positively impacting the credit score. However, if the card issuer reports balances at specific times, this can temporarily affect the score. He suggests maintaining low utilization by making multiple payments to ensure low balances are reported.

Notable Quote:
"The reason you'd buy separate policies for the kids and have them be the owner of the vehicle is if that's cheaper for insurance, but you wouldn't do it for liability shield." [05:50]

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SIM Swapping Danger & An Easy Fix

[09:26] Clark Howard:
Transitioning to cybersecurity, Clark introduces the topic of SIM swapping, highlighting its severe financial repercussions.

[13:02] Clark Howard:
Clark details how criminals impersonate individuals to take control of their phone numbers, enabling them to bypass two-factor authentication and access sensitive financial information. He underscores the importance of securing cell phone accounts by implementing a SIM lock, which prevents unauthorized transfers of phone numbers.

Key Points:

• SIM Swapping Process: Criminals convince cell carriers to switch a victim’s number to a different SIM card, gaining access to two-factor authentication codes.
• Financial Impact: Once in control, criminals can drain bank, brokerage, and retirement accounts rapidly.
• Prevention: Locking the SIM with a password or PIN through the cell provider to prevent unauthorized changes.

Notable Quote:
"One of the key tools that will shut them down is having that semlock in place." [16:00]

[17:00] Clark Howard:
He advises listeners to contact their mobile providers to set up a SIM lock immediately, noting that while it adds a layer of security, it requires additional steps when switching carriers.

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Additional Listener Questions

4. Housing Market Trends and Future Outlook

[18:34] Listener Rob from Washington:
Rob questions whether the current housing shortage and high prices, especially in Seattle, might eventually lead to a surplus as baby boomers downsize, potentially stabilizing or reducing housing prices in the long term.

[19:12] Clark Howard:
Clark acknowledges that the housing market has outpaced affordability, leading to a stagnation in prices and increased foreclosures. He predicts that while dramatic price drops like those post-2008 are unlikely, housing affordability will improve as the market naturally equilibrates over time. However, the ongoing construction shortage continues to keep supply tight, preventing significant price reductions.

Notable Quote:
"The effective affordability of houses will improve over the next several years." [20:00]

5. Wedding Insurance Considerations

[22:24] Listener Joy from North Carolina:
Joy seeks recommendations for wedding insurance to protect against potential disruptions, such as weather-related issues, given her upcoming wedding during hurricane season.

[22:50] Clark Howard:
Clark explains that wedding insurance can cover non-refundable deposits and other expenses in case of qualifying events like hurricanes. However, he warns that policies vary widely, and it's crucial to thoroughly read and understand the terms to know what constitutes a covered event.

Notable Quote:
"You have to read the policy terms so closely and it'll be page after page after page." [23:15]

6. Safety of Money Market Accounts

[24:51] Listener David from Illinois:
David is concerned after reading that his money market account with Fidelity mentions the possibility of losing money, specifically referencing the term "breaking the buck."

[25:22] Clark Howard:
Clark reassures David that while money market accounts are generally safe and designed to maintain a stable value, they are not entirely risk-free. The rare event of a money market fund "breaking the buck" (falling below $1 per share) could lead to losses, but this is highly unlikely under normal economic conditions. He emphasizes choosing reputable money market funds and understanding the specific terms and risks associated with his account.

Notable Quote:
"The probabilities are so really low that it's definitely something that you never need to lose a minute's sleep on." [25:10]

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Conclusion

Clark wraps up the episode by reiterating the importance of securing personal information, particularly through measures like SIM locking to prevent financial losses from SIM swapping. He encourages listeners to stay informed and proactive in managing their finances and protecting their assets.

Final Advice:
"Make sure with your cell phone carrier that you have your SIM locked down, because I don't want money that you've worked hard to save suddenly vanishes from your life."

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This episode of The Clark Howard Podcast offers invaluable insights into optimizing savings for children, safeguarding against modern cyber threats, and making informed financial decisions through expert advice and practical solutions. Whether you're planning for your child's future, navigating the housing market, or enhancing your financial security, Clark's guidance equips listeners with the knowledge to achieve greater financial freedom.

Transcript

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[Clark Howard]

I'm so glad you're with us here on the Clark Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. And one thing I've been asked about repeatedly over the last month is whether a parent should start a Trump account for their child. I'm going to give you what you need to know how the rules of this work. And later, I'm going to give you something you need to be so careful of. Cell phone SIM swapping is ugly, ugly, ugly and can wipe out your assets so fast it's crazy. I'll explain how it all works. All right, so speaking of how it works, the Trump accounts for a five year period up till, I think, beginning of 29, a newborn child is seated $1,000 by the federal government in a Trump account. And the money has tight guardrails about how that thousand can be invested. It's designed to go into low cost index funds at an expense ratio and no more than 1/10 of 1%, which is fantastic. Parents have the option of adding up to $5,000 a year into one of these accounts. Don't do that. I'll tell you why in a second. Employers can give employees of small children up to 2,500 bucks that comes to you tax free. Do that. Take the employer money if the employer offers it to you. So the way this thing plays out, you have a newborn, you get the $1,000. It's like money falling out of the sky. It's invested in the account you choose, go into one of the low cost index funds, leave it there till the child's an adult. Bam. Great. The $2,500, if you work for an employer that wants to seed that money, great. There's no downside to it why do I say don't contribute to it yourself? Beyond whatever an employer might or the thousand that the feds give, you have a child in the affected period. The tax treatment of the money at the end of the game when the money is cashed out, is inferior to other ways of saving money for a child. You're taxed at what's known as ordinary income tax, which is the highest possible tax rate. Where if you put money in a 529 account which is designed for college or trade school, that money used for college or trade school is tax free, grows all through the years tax free. You spend it tax free. In the event your child doesn't go to trade school or go to college, you can then transfer the money tax free to another child if you have another kid. Or you can move the money into over the years into a Roth IRA tax free for that child's benefit. That can grow all through the years tax free and be spent tax free. So these other things, even a regular investment account would be better for money up to $5,000 a year than going into the Trump account. Because the money in an investment account put into the same index fund when you ultimately sell it, it's taxed at what's known as long term capital gains tax rate, which often is 0% where ordinary income tax is the highest possible tax rate an account could have. So the Trump account, if money falls out of the sky from the federal government, birth of a child or an employer from money falls out of the sky tax free to go into the account, take that money, don't put any other money into it.

[Listener 1]

Okay? Lawrence in Washington wrote in and asked is it worthwhile to get separate auto policies for my two college kids? I'm worried about having a lawsuit liability if either of my kids gets into an accident. Krista has that question too.

[Clark Howard]

So Lawrence, Yes. If you provide support to a child and they are considered to be your dependent or you're supplying 50% or more of their finances to live, which almost certainly you are with your college kids, it doesn't matter if you buy separate policies. There may be a state somewhere that this is not true. As a general rule, a lawyer who's coming after your kid because they had a wreck and it's their fault, they're suing for so much money, they are allowed to pierce beyond that child and come after your assets. Which is why if you have a lot of assets, you need to have your own umbrella insurance policy, which is an excess liability policy that covers they're sold in multiples of $1 million and up. They're crazy cheap for what they offer because the risk of that happening is so low. But if it happens, you're really glad you had the umbrella. So the reason you'd buy separate policies for the kids and have them be the owner of the vehicle is if that's cheaper for insurance, but you wouldn't do it for liability shield.

[Listener 1]

Stephen in Minnesota says we have finally been able to save around $100,000.

[Clark Howard]

Congratulations.

[Listener 1]

Money that has not come easily. We are needing to finish our basement. The thought of digging into our savings currently in a high yield savings account earning over 4% is not favorable. On the other hand, we have equity in our home and can tap that via an equity loan or line of credit that comes at the credit union's fair but higher around 7% rate for a loan and a variable percentage on a HELOC not as favorable. Do we save the savings and keep earning it 4 + percent or go with equity and pay the 7% rate to finish our basement?

[Clark Howard]

So this is, this is a tough one. You haven't said how much finishing the basement will be and you haven't said Stephen, how much 100,000 represents of how how many months of living expenses that 100,000 will cover. So you want as a minimum cushion to have three months of living expenses in savings. The recommended amount though is actually six months. Don't know what your monthly costs are of living. You would not want to borrow money at 7% when you can give up earning 4% on your savings. As long as it doesn't eat into that cushion. I'm talking about for the rainy day. So I would say your first money that you use for the reno or the basement is money from the 100,000 you've saved rather than borrowing money when you're getting close to that point where you would no longer be able to cover six months living expense. That's when the remaining cost of doing the basement would come from either a home equity loan fixed rate or a HELOC floating rate, whichever feels best at that time. If you do the home equity loan, I don't want you to borrow more money than you can pay back in a 60 month window. In other words, I don't like home equity loans lingering year after year after year. I like a five year payment window paying back on that.

[Listener 1]

Jerome in Maine says I've never heard Clark mention that paying all credit card bills in full before the statement date can temporarily lower your credit score. My score drops from 822 to 783. If I show no activity in a month, the next month the score goes back up to 822 if any activity is reported.

[Clark Howard]

Okay, this is an interesting scenario you're talking about, Jerome, because there is activity on your account if you're charging on it, but paying in full before the due date. Now, I've talked before about how Lane and I do this, but what we do is twice a month we pay what is owed on our cards. Not related to the closing date, but we're always getting it fully paid off. You can tell because it'll say. It'll tell you that you've paid your balance for that month. If you look at the electronic statement or you're looking at a paper statement, you know what you have to pay for that month. The whole idea is we're holding down our available credit usage. You want to have your ratios of the amount of outstanding credit used versus your credit limits be as low as possible. Hours averages 3%. The reason that's significant is that your credit score is so affected by the amount of available credit you're using. So we don't specifically go on a glide path to bring the balance to zero on the closing date of a statement. What we're doing is by making two payments a month based on the current balance is we're getting them to where the amount charged shows very low. So we are reducing the percent of available credit we're using. And we're never paying interest by doing the payments we do twice a month. Gosh, I hope that made sense. Coming up ahead, I want to talk about something that criminals are doing that can cost you big bucks. Sim swapping. Something that is pretty easy for you to put. Protections in place.

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[Clark Howard]

Number one proven electrolyte blend designed to hydrate better than water so you can lose more sweat and raise your game. Gatorade Is it in you? Sim swapping is something that has caused people so many problems. And yeah, I read the financial press every day. I read so many financial publications and it was funny because it was an article recently that I read that was to a corporate audience and it was woe is us. All the problems we're having because of people stealing people's sims on their cell phones. What does that mean anyway? So criminal will impersonate you? Sometimes it's with the help of insiders at the big cell phone companies. Or it could just be an outsider doing a SIM swap. Steal. What they do is they steal your phone number, they convince your cell phone carrier that they are you and port your number out to someone else. Why is this so significant in criminal activity? Because think how often companies have fooled themselves into thinking they are protecting themselves from criminals impersonating their customers to get into their accounts with two factor authentication. You know how they'll send you the one time use code. Well, criminals adapt and they figured out how easy it was to just steal your number, swipe it right out from under you. Suddenly you're not getting messages or phone calls or whatever on your phone, which is why they normally strike overnight when you're sleeping and don't even realize they steal your service. They put your number on their phone, the two factor comes to them and before you know it they have swiped the money out of your bank account, your brokerage account, your savings account, your retirement account, the money is gone. And then there becomes this big fight which is what was so funny about the article was that corporate America is like, oh no, all right, how are we going to handle this? Are we just gonna not give people their money back because our security system fell down, or are we going to give them the money back, then our profits go down. Everybody's dealing with this Sim swap hot potato. What you need to know is that this is a key tool in criminals toolbox now to impersonate you, steal your cell service, get the code, use the code to verify that they are you when they're not, and then move that money out of your accounts. So what's the role you and I have to play? It's so easy. You just put a SEM lock in place with your cell phone provider. With my cell phone provider. Mine is Google Fi. I just am able to do it right in my Google Fi account and I have my number locked so that if somebody tries to move my service somewhere else, they can't do it. And so they just go on to the next potential person they're going to steal money from. Is best I know about zero people have put in place a semlock with their cell phone provider. Every cell phone provider has a different procedure for putting it in place. You just gotta look signing into your account or on your app for your cell phone provider. There will be a procedure that you can do that will lock your cell phone service to you. Now it creates some hassle when later you decide, I don't like who I'm with and you want to switch to somebody else. You have to go through the procedure first to take off your SIM protection and then you're able to move your service to someone else. But again, odds are close to zero that you have put this simple step in place that stops the criminal cold who's trying to impersonate you and steal your money. Remember this. There's probably not a single person who's not been a part of breach after breach after breach. When we get those inane letters from corporations or governments or colleges. I got one recently from a college saying that my information had been breached. And so the criminals have this stuff sitting there. They know our current address, prior address is date of birth. They know so much about us, including our Social Security number, that when they decide it's your turn, they're going to try to steal your money. One of the key tools that will shut them down is having that semlock in place.

[Listener 1]

Okay, going to questions. Rob in Washington wrote this One. Hi, Clark. I'm from the Seattle area where housing prices are insane.

[Clark Howard]

Is that the Seattle slogan now? Remember, Crazy Eddie, where our prices will drive you insane? Seattle, where housing prices will drive you insane.

[Listener 1]

With baby boomers being overhoused, do you think we'll eventually see a surplus of homes as they age out? Could that bring prices down long term? Despite today's shortage, I'm wondering if housing values might not keep rising like everyone assumes. Long term, could housing no longer be the guaranteed appreciating asset it's been in the modern era?

[Clark Howard]

Yeah. So the housing market, Rob, has gotten obviously ahead of itself. It has outstripped people's ability to afford a home. That's why this year there's a trend continuing that started last year in a small number of cities where home prices have stalled out, sales have stalled out, and in a number of major metro areas that saw big run ups from 19 to 24 have seen housing values on average actually decline. So what happens in the housing market is you have homeowners that may have reached a point they want to sell, but they have in their mind that they want X number of dollars. Buyers say, can't do it. And so the buyers strike, the sellers sit there in that house and continue to live there. And a lot of baby boomers who would have decided this was the cycle in life when they were ready to move on and sell the house, that they have kids, they raise their kids, and they're now stuck in that house because they're not at that point where they're ready for price capitulation. So what happens, Rob, is you get back to equilibrium. At some point, you get to the point where people say, okay, I gotta get out. And it doesn't necessarily mean price drops that are dramatic. What it does mean, though, is that housing prices essentially do drop in real dollar terms as over the years people's pay creeps up, but home values may not keep up with that. There's a trend that supports what I'm saying, that people who bought in recent years, we're seeing for the first time in a good while, we're seeing a rise, sadly, in foreclosures that people did everything they could to get in a home and it was a step too far. They can't afford it and they can't sell it to somebody for what they paid for it. So the market has stalled out. Are we going to see an out and out severe drop in housing prices like we saw in the aftermath of the banking scandals in 2008-12? Nope. That's not what's going to happen here. But the effective affordability of houses will improve over the next several years. As sellers say, hey, I can't get that price I thought I was going to get. I need to move on. I'll get what I can. Now the other factor though we are short houses. In the United States, the number of houses being constructed over the last 15 years is significantly less each year than historically was. So there are multiple things going on at once. We literally do have a housing shortage in most markets in the U.S. joy.

[Listener 1]

In North Carolina says, I'm getting married next year. Congratulations. We're still working out the details, but the wedding will likely happen in the middle of hurricane season.

[Clark Howard]

Great start.

[Listener 1]

A wet knot can't be untied, they say. I've heard that it's a good idea to purchase wedding insurance even if the weather might not be a problem. Do you have any recommendations for companies to purchase wedding insurance through?

[Clark Howard]

So, Joy, we only with wedding insurance. Ever hear about complaints people have with filing a claim? Wedding insurance is actually a very generally relatively low cost purchase versus the cost of a wedding from a few hundred dollars to for. There are weddings that cost a lot more to insure, but usually maybe a grand for wedding insurance. The weather factor you bring up, very hard to claim against. It won't cover like a heavy downpour. It won't cover a violent thunderstorm. It may cover a named hurricane, may not cover a tropical depression. You know, so the wording of the contract is everything. And in terms of weather issues, what does it cover if you have a triggering circumstance, it will cover deposits that you've had to pay that were non refundable and depending on the policy may cover other expenses that you incur that are non refundables on venues and things like that because there was a triggering event. But you have to read the policy. I can't emphasize this enough. You have to read the policy terms so closely and it'll be page after page after page. And a lot of it you, huh? What did they mean here? But it all starts with what is a qualifying event? Does it count if, let's say the mother of the bride is ill and you know, can't come to the wedding on that date? What are the things that it will allow you the ability to make a claim before you buy it? Do not think any wedding insurance policy is true. Real peace of mind.

[Listener 1]

David in Illinois says, I recently noticed on my government market account, market account with fidelity in small print at the bottom that it says you could lose money in the money market account. I was confused about this and called Fidelity and they said the only way that that would be possible would be extremely unlikely and the economy would have to be in a terrible place. And it's called breaking the buck. Have you ever heard of this before? And would there ever be a point when I would have to be worried about keeping money in a money market account?

[Clark Howard]

Yeah. So, David, first of all, I really, really am thrilled that you read the terms because people assume that a money market account is 100% without doubt safe. They're as close to that as they could be, but they're not 100%. It's not like having an FDIC insured account at a credit union or credit union, BNCUA credit union or FDIC at a bank where the first $250,000 is insured. If the financial institution fails with a money market account. There's been one instant, I can recall money market account. Money market is actually technically called a money market mutual fund of various types. There was one circumstance where a money market fund fell to 97 cents on the dollar. People ultimately ended up with all their money, but after a delay, and it can very, very, very, very rarely happen. I put money in a variety of money market mutual funds. I know how rare the possibility is and it would not have to be Armageddon, but it would be an extremely unlikely set of financial circumstances that might lead to a money market mutual fund not paying you back at the buck. You know, the whole idea is it's a contin constant value of a dollar a share in a money market mutual fund. There are some money market funds that in their prospectus lay out for you that there is more risk involved with them. Government money market fund, a treasury money market fund, those kind, it would be almost unheard of that they would be in a position that they would break the buck. So if things I would worry about, this would be down the list. Yes, possible, no, it's not likely. The probabilities are so really low that it's definitely something that you never need to lose a minute's sleep on. There are some money market instruments that are geared towards sophisticated investors that have higher levels of risk. That is not something that if you're in a mainstream money market mutual fund with Vanguard, Fidelity, Schwab or even one of their high cost competitors that you really need to fret about. And I want to thank you so much for joining us on today's podcast. I hope that you heard something that made you think something that maybe you didn't know before, something that makes you feel like you should do something that you're not doing right now with your money or do something better with your money that you've been doing. Because that's what I'm about with everything we do here is about you being empowered with knowledge that you can act on, that can make you stronger financially, that can put you on a better path moving forward with your wallet. In short, that you learn ways from us that you can save more and spend less and don't let anybody rip you off. And if you do nothing else today, I want you to make sure with your cell phone carrier that you have your SIM locked down, because I don't want money that you've worked hard to save suddenly vanishes from your life. And we'll see you Friday. And you know what Friday means? Heart stinks.