Podcast
The Clark Howard Podcast
Hosted by Clark Howard · EN
Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consumer reporter for television stations around the country. His podcast, The Clark Howard Show, receives more than one million downloads each month and is a hub for listeners to get valuable advice on-demand any time. Clark answers questions on the most popular business and consumer topics including; how to buy a cars, financing a home, retirement planning, shopping for insurance and getting the most out of your savings. Join the conversation and submit your question to www.clark.com/askclark . Clark spearheads two free resources — Clark.com and ClarkDeals.com — to encourage consumers to save more, spend less and avoid ripoffs.
390episodes
Episodes
Newest firstAll episodes
07.01.26 Clark Smart Franchising / Pharmacy Options For Rx Savings
Jul 100:31:47Summary readyConsidering entrepreneurship via buying a franchise? Clark shares his most important rule before investing your hard-earned money: go work for that franchise first. Instead of relying on the sales pitch, spend several months on the job learning how the business really operates, what challenges owners face and whether the opportunity lives up to the promises. Taking this important step could save you from making a costly mistake and help you become a smarter entrepreneur. Also, Clark discusses the expansion of TrumpRx, a government prescription price comparison resource that now includes hundreds of additional generic medications. With prescription costs keeping many Americans from filling the medications they need, Clark reviews several ways to save money on prescriptions, including Costco, Sam’s Club, Amazon Pharmacy, Walmart, Mark Cuban’s Cost Plus Drugs and charitable programs that may provide free medications. He also explains what to do if you need an expensive brand-name medication and can’t afford it, including exploring manufacturer patient assistance programs that could help lower your costs. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 1, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Please note: No new episode on Friday. We wish you a safe and Happy Independence Day! Franchise Entrepreneurs: Segment 1 Ask Clark: Segment 2 New Savings On Meds: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard’s Advice Before You Buy a Franchise What Is a 403(b) and How Does It Work? - Clark Howard 6 Things To Know Before Contacting the National Foundation for Credit Counseling 10 Ways To Save on Prescription Drugs - Clark Howard How Can Discount Drug Apps Offer Such Big Savings on Prescription Medications? These Pharmacies Offer $4 Prescriptions - Clark Howard How To Comparison Shop Drug Prices Before Your Doctor Sends in a Prescription Will Mark Cuban's Prescription Company Really Save You Money? What Is Disability Insurance and How Does It Work? - Clark Howard How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary06.30.26 Ask An Advisor With Wes Moss
Jun 3000:28:43Summary readyIs the bucket investing strategy the best way to plan for retirement? In this episode, Wes Moss breaks down the powerful visual behind bucket investing and explains why organizing your money into cash, income, growth, and alternative income buckets can simplify retirement planning. He also shares the biggest drawbacks investors should understand before adopting the strategy. Also, Wes tackles a growing trend: professionals looking for more flexibility, purpose, and balance through a second career. He outlines the key questions to ask before making a career switch and explains why financial advising is emerging as one of the most in-demand professions in America. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 30, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary06.29.26 Travel Booking Basics / Online Shopping: Spotlight On Dark Patterns
Jun 2900:34:42Summary readyClark’s first business was a travel agency and he specialized in saving his clients money. Travel costs are challenging now, with airlines facing higher fuel expenses and travelers paying the price. Clark shares his back-to-basics strategy for finding affordable trips, including why flexibility is your greatest money-saving tool. Learn why Clark lets the deal determine the destination, how shoulder-season airfare pricing can create opportunities for savings, and why being a "free agent" when booking flights can help you see more of the world for less. Also, Clark explains the growing problem of "dark patterns" online—those annoying popups, misleading buttons, and sneaky subscription tactics designed to manipulate your decisions. While many of these practices aren't illegal, they are deceptive and can lead to unwanted purchases and recurring charges if you're caught unaware. Know what to watch for and how to avoid getting tricked into spending money you never intended to spend. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 29, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Clark Smart Travel: Segment 1 Ask Clark: Segment 2 Dark Patterns On The Lit Web: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How To Beat Summer Sticker Shock and Travel the ‘Clark Howard Way’ Follow Clark Howard’s #1 Rule To Travel Cheap Best Travel Credit Cards: How To Find the Perfect Fit for Your Spending How Does Booking Travel Through a Credit Card Rewards Program Compare? 3 Reasons You Should Never Book a Nonrefundable Hotel Room Dark patterns on the web are designed to manipulate you – why aren’t they all illegal? Best Free Password Managers: 10 Top Picks - Clark Howard How To Create and Use Passkeys - Clark Howard Safe Browser Alternatives That Promise Not To Track You NYT - Her Life Savings Mysteriously Disappeared After a Systems Glitch Why You Need Paper Evidence of Your Financial Accounts Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary06.26.26 Clark Answers His Critics on Clark Stinks / Appeal Insurance Denials
Jun 2600:32:07Summary readyFriday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, when your health insurer denies coverage for a treatment, procedure, or medication, don't assume that's the final answer. Clark explains a little-known consumer right that could help you overturn a denial: an external appeal reviewed by an independent third party. While some patients do appeal insurance decisions, very few take the next step when they're denied again. Clark shares why persistence matters, how the appeals process works, and why insurers often reverse decisions when consumers push back. For serious illnesses, these denials aren't just about money—they can be a matter of life and death. Learn how to fight back, when to appeal again, and how an independent review could force your insurer to pay for care it initially refused to cover. All this and more on the June 26, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Insurance Appeals: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 6 Home Expenses You Have To Budget For (Beyond Your Mortgage) Privacy and security built into your payments 5 Money Tips To Know Before You Travel Abroad 5 Best Places To Buy Pet Medicines - Clark Howard How To Get a Gym Membership for Practically Free - Clark Howard What Is a CD Ladder and When Is It a Good Idea? - Clark Howard Should I Avoid Callable CDs? / CD Ladder Calculator - Clark Howard What Should You Do if Your Insurance Claim Is Denied? This Little-Known Appeal Could Force Your Insurer to Pay. Here’s How to File It. How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary06.24.26 An Education In Change / Should You Purchase A Warranty - Ever?
Jun 2400:32:36Summary readyFifty years ago, Clark founded an alternative school called Career Action for adults who were struggling to find their path after high school. The program was intense, with long days, strict standards, and a focus on preparing students for the workplace. It was successful for decades—but here's what's remarkable: virtually every job skill that was taught eventually became obsolete. The lesson is more important than ever today: you can't stay static. Also, Clark explains why extended warranties are usually a bad deal for consumers. Whether it's electronics, smartphones, appliances, or cars, the math overwhelmingly favors the companies selling the coverage. Clark shares what you need to know about smartphone insurance, home warranties, and extended auto warranties—and the one exception if you're determined to buy coverage for your vehicle. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 24, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Adaptation Education: Segment 1 Ask Clark: Segment 2 Warranty Decisions: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Starting a School Taught Clark Howard About Success Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty on Your Car? Cell Phone Protection: These Credit Cards Will Replace Your Stolen or Damaged Phone What Does a Home Warranty Cover and Is It Worth The Money? That Extended Warranty Is Almost Never Worth the Money. This Is Why You Fall for It Anyway. Report: The Most Reliable Cars for Your Money - Clark Howard 12 Long-Lasting Cars Proven to Get to 200,000 Miles and Beyond Smart Traveler Enrollment Program Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary06.23.26 Ask An Advisor With Wes Moss & Clark
Jun 2300:49:52Summary readyWith technology stocks making up nearly half of the S&P 500, many index investors are asking an important question: Is this concentration a risk—or simply the natural evolution of the market? In this episode, Wes Moss and Clark Howard tackle the growing dominance of tech companies in major indexes, discuss whether traditional index investors should consider diversifying beyond tech, and explore how age and retirement timelines may influence those decisions. They tackle concerns about what happens when so much market value is concentrated in just a few companies—and whether investors nearing retirement should think differently. Mentioned on the show: Don’t Let FOMO Cost You a Fortune: The Investing Mistake Many Are Making With SpaceX’s IPO Plus, Wes and Clark answer several listener questions on investing, retirement, and personal finance. All this and more on the June 23, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary06.22.26 The Competition Customer Advantage: Supermarkets and Phone Plans
Jun 2200:32:05Summary readyIf you've felt squeezed every time you shop for groceries, there may finally be some good news. Kroger is cutting prices on thousands of items as competition heats up with Walmart, Costco, Aldi and Lidl. Clark explains why grocery stores are fighting harder than ever for your business, why private label products are becoming the best value in the store, and how inflation continues to affect everyday staples like tomatoes. Then, Clark looks at a new way to cut one of your biggest monthly bills. AT&T has launched a new "Build-a-Plan" option starting at just $15 per month. Clark explains who this plan works for, how much data most people actually need, and why so many consumers are paying for unlimited plans they rarely use. If you've been hesitant to leave one of the major wireless carriers but want to spend less every month, this new offering could be exactly the kind of competition that helps put money back in your pocket. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 22, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Save More On Groceries: Segment 1 Ask Clark: Segment 2 Save More On Your Phone Plan: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Grocery Prices Are Forcing a Major Change How to Save Money on Groceries: 22 Clever Ways Citi Stops Issuing Oft-Recommended Cash Back Credit Card Best Credit Cards for Groceries in 2026 Cash Back Credit Card Calculator Understanding Home Equity Agreements AT&T’s New “Build-A-Plan” Starts at $15/Month With Data The Best Phone Plan For You – Compare Phone Plans Best Cell Phone Plans & Deals (2026): Find the Cheapest Option for Your Needs Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary06.19.26 Clark Answers His Critics on Clark Stinks / Subscription Management
Jun 1900:33:56Summary readyFriday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - I have a homework assignment for you. From streaming services and device protection plans to fitness apps and smart gadgets, recurring monthly charges can quietly pile up and put pressure on your budget. While one small price increase may not seem like a big deal, multiple hikes across several services can add up fast. Clark shares a simple strategy to help you stay on top of subscription costs without turning it into a part-time job. He also shares a personal story about canceling Netflix and the family backlash that followed, and how a lower-cost plan became the compromise. If subscription fatigue is setting in and you're looking for an easy way to cut expenses, this seasonal money-saving habit could help you keep more of your hard-earned cash. All this and more on the June 19, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Clark Stinks: Segments 1 & 2 Subscription Check-up: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Does Clark Think About Living on a Cruise Ship for Retirement? Is Living on a Cruise Ship Still a Retirement Bargain? - Clark Howard Clark's Road Trip Hack: Renting a Car vs. Driving Your Own The Best Car-Buying Services - Clark Howard Subscription Fatigue? Do This 4 Times a Year to Save Money 7 Types of Subscriptions You May Want To Cancel Today How To Manage Your Monthly Subscriptions To Save Money Travel Insurance: What You Need To Know Before You Buy Global Rescue – Medical & Security Evacuation, Field Rescue Travel insurance you can trust | Travelex Insurance Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary06.17.26 Let’s Channel Your Inner Millionaire / Reluctant Landlords
Jun 1700:31:42Summary readyThink you need a high end business or a lottery-ticket stock win to hit a $1 million net worth? Think again. Clark breaks down key insights of first-time millionaires. While old-school wealth looked like owning a successful service business, modern data from Kiplinger and Fidelity proves that regular people working everyday jobs—like teachers and government employees—are achieving financial independence. Plus, Clark examines a growing real estate trend: the rise of the "accidental landlord." According to Zillow, more home sellers than ever are turning into landlords because their houses aren't selling and they can't afford to cut the price. Drawing from his own 43 years of wild landlord adventures—including non-paying tenants and unexpected damages—Clark explains why you should never take this decision lightly. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the June 17, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Everyday Millionaires Segment 1 Ask Clark: Segment 2 Involuntary Landlords: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How ‘Everyday’ Workers Are Becoming Millionaires 5 Key Insights We Learned From 50 First-Time Millionaires How Long Would $1 Million Last YOU in Retirement? Why You Should Keep Old Credit Card Accounts Open - Clark Howard Follow Clark Howard's #1 Rule To Travel Cheap Their Home Wouldn’t Sell, So They Became America’s Latest Accidental Landlords -WSJ The Hidden Reasons Your House Isn’t Selling (And How to Fix It) Best Rewards Credit Cards: Top Picks for Cash Back and Travel Scam Alert: New 'Party Invite' Message Can Empty Your Bank Account To help prevent spam calendar invites on Google calendars: 1. Open Google Calendar and click the gear icon, then Settings 2. In the left menu, click Event settings 3. Change "Add invitations to my calendar" from "From everyone" to either "Only if the sender is known" or "When I respond to the invitation in email". The "Only if the sender is known" option works well for most — limiting auto-added events to contacts and people you've interacted with before, so random spammers can't drop events onto your calendar anymore. Clark.com resources: Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices
Summary06.16.26 Ask An Advisor With Wes Moss
Jun 1600:31:54Summary readyMost people think building wealth and keeping wealth require the same strategy. They don't. Wes Moss explains why getting wealthy and staying wealthy are two completely different skill sets—and why understanding the difference could have a major impact on your financial future. Wes also explores what may be the most important financial dividend of all: freedom. Financial planning isn't just about accumulating a bigger number. It's about creating autonomy, reducing the fear of running out of money, and building a life where you have more control over your time and choices. You'll learn why multiple income streams can provide both financial security and emotional comfort—and how finding your "money green zone" can help support lasting financial independence. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the June 16, 2026, Ask an Advisor episode of the Clark Howard podcast. Submit your questions: WesMoss.com/ask We hope you enjoy our weekly Ask An Advisor episodes. Let us know what you think in the comments! Learn more about Wes: BOOKS BY WES MOSS Wes Moss, CFP® Wes Moss - Clark.com Learn more about your ad choices. Visit megaphone.fm/adchoices
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