
Today, Clark explains the “Trump Account” for newborns - including how the account works and how best to manage one. Later - Get the lowdown on something we all need to protect ourselves from - cell phone sim swapping fraud.
Trump Accounts: Segment 1
Ask Clark: Segment 2
Warning: Sim Swapping: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Should You Start a 'Trump Account' for Your Child?
What Is Umbrella Insurance and Do You Need It?
How To Improve Your Credit Score in 5 Key Areas
Credit Score Experts: How To Take Your Score from ‘Good’ To ‘Exceptional’
Axios: How Scattered Spider hackers are wreaking havoc on corporate America
SIM Card Swapping: The Dangerous Cell Phone Scam
Clark Howard's Guide to Saving Money on Your Wedding
Are Money Market Funds a Safe Place To Stash My Savings?
Clark.com resources
Episode transcripts
Community.Clark.com / Ask Clark
Clark.com daily money newsletter
Consumer Action Center Free Helpline: 636-492-5275
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Aug 6
29 min

Catch-Up Secrets for Savers 55+ and Does the 4% Rule Really Work?
Are you 55 or older and feeling behind on retirement savings? Or perhaps you're wondering how to make your money last once you do retire? Fiduciary financial advisor Wes Moss dives deep into crucial strategies for those 55 and up, including powerful "catch-up" contributions for your 401(k), IRA, and HSA that can add thousands to your nest egg. Also, Wes also reveals the often-debated but incredibly powerful 4% rule, explaining why it's a critical guideline for sustainable retirement withdrawals and how it can reduce your anxiety about running out of money.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 5, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!
Learn more about Wes: BOOKS BY WES MOSS / Wes Moss, CFP®
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Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 5
41 min

In an ongoing breach of ethics to the lasting detriment of consumers, many subscription services make it virtually impossible to cancel. So there’s something you need to do before signing up for anything. Also - Clark breaks down IRS reporting requirements on payment apps -which aren’t becoming more stringent after all. If you’re a vendor, small contractor or do business via payment app, know what will trigger a 1099.
Click To Cancel? We Wish: Segment 1
Ask Clark: Segment 2
Payment Apps & 1099s: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
One Tech Tip: 'Click-to-cancel' is over, but there are other ways to unsubscribe
Cash Envelope System: How It Works
Budgeting & Saving Archives - Clark Howard
How To Take Your Score from ‘Good’ To ‘Exceptional’
Credit Karma Review: Free Credit Score and More at Your Fingertips
Two tax reporting changes on tap for businesses, freelancers and payment apps like Venmo
How to Start Investing: 10 Steps for Beginners
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: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 4
31 min

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, a Christmas pricing preview - and word to Amazon Prime loyalists about new pricing, and cheaper alternatives.
Clark Stinks: Segments 1 & 2
Amazon Price Changes: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why You Should Never Mail a Check / What Is FedNow?
What Is a Roth 401(k) and How Does It Work?
Social Security Survivor Benefits
Amazon Raised Prices on Hundreds of Essentials After Trump Unveiled Tariffs
Amazon Prime vs. Sam’s Club: Which membership is a better deal?
Walmart+ Membership Program: 4 Things To Know
Best Credit Cards to Use at Walmart in 2025
The Platinum Card® from American Express Review: Is It Worth It?
What Is a Fiduciary Financial Advisor and Do I Need One?
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: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
Aug 1
31 min

With car insurance rates escalating, many people are serious about shopping around for a better deal. Clark offers guidance for lowering that bill. Also, a topic of great interest to Clark and vital to us all: Energy and the factors affecting how much we pay.
Save On Auto Insurance: Segment 1
Ask Clark: Segment 2
Energy Diversity: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why You Need To Shop Your Auto Insurance ASAP
Best Auto Insurance Companies and Some of the Worst
How to Shop for Lower Car Insurance
10 Ways To Save Money on Car Insurance
Insurance costs are soaring around Tornado Alley. Hail is the big problem.
Clark Howard's #1 Rule Before You File an Auto Insurance Claim
How To Open a Roth IRA
In Small Nuclear Reactors, There’s One Clear Leader Today
The Best Cheap Phone Plans Under $40/Month
The Best Phone Plan For You – Compare Phone Plans
The Secret Technology Rental Car Companies Are Using Against You
Cheapest Way to Rent a Car: Expert Tips
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: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 30
27 min

Are You Richer Than You Think? and This Little-Known Strategy Can Save You a Ton in Taxes
Do you feel rich? Fiduciary financial advisor Wes Moss breaks down how to calculate your “rich ratio” and reveals surprising signs you're wealthier than you realize. Plus, discover the little-known NUA rule – a potential tax-saving strategy that could save you thousands on your 401(k)!
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 29, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!
Learn more about Wes: BOOKS BY WES MOSS / Wes Moss, CFP®
Learn more about your ad choices: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 29
31 min

Today - Clark discusses how retailers and consumers are handling inflation. To deal with higher prices, we’re changing how & where we shop. It works! Also, it's more important than ever to be on guard because scam attempts are nearly constant. Clark alerts you to some of the latest scams so you don’t get ripped off.
Offset Inflation: Segment 1
Ask Clark: Segment 2
Most Common Scams: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
10 Ways You're Wasting Money on Groceries
Axios: Store brands become retail's secret weapon against tariffs
Dollar General is shaking off tariff fears and winning over higher-income consumers
Barrons: The Rich Are Shopping in Dollar Stores. What It Means for the Economy.
Best 529 College Savings Plans By State
529 to Roth IRA: Rollover Rules, Conversion Guide, and FAQs
BBB-File a Complaint
How to Freeze Your Child's Credit
Overwhelmed by Scammers? 96% of Americans Are Targeted Every Week
Scammers posing as SPCA and animal welfare staff
AI Obituary Pirates Are Exploiting Our Grief. I Tracked One Down to Find Out Why
Student loan scammers won’t offer relief
This hurricane season, prepare to avoid the scams
Are you really out of Cloud storage or is that message a scam?
Think Twice Before You Click ‘Unsubscribe’
The Safer Way To Use Your Debit Card
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: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 28
26 min

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark discusses some unusual developments happening with air travel right now, including lower fares to Europe, and explains how reshopping advance bookings can save frequent flyers big money.
Clark Stinks: Segments 1 & 2
Airfares to Europe: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
12 Things You Never Knew You Could Get From Your Local Library
Transatlantic airfares slump as Europeans continue to shun travel to America
Why It’s a Great Time To Get a Cheap Ticket to Europe
It will soon be possible to fly for just $5, but with one condition, and it’s not something you’ll like.
How To Save on Travel With Google Flights
Should I Tip on a Cruise? / Tipping on a cruise. What to do, what to expect
Cheapest Way to Rent a Car: Expert Tips
How To Dispute a Charge on Your Credit Card
The Secret Technology Rental Car Companies Are Using Against You
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: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 25
30 min

To save more, it’s important to tackle the “monthlies” - those bills that come due month after month. Today, Clark discusses how the cable monopoly is weakening and now you have more affordable choices for home internet. Also, a big monster mega bank with a lengthy rap sheet, formerly referred to by Clark as “criminal enterprise posing as a bank” - seems to have emerged from the dark side.
Save On Home Internet: Segment 1
Ask Clark: Segment 2
Wells Fargo’s New Start: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Internet Price War: Why Now Is a Good Time To Threaten To Cancel
How To Find the Best Deal on Cheap Internet Service in 4 Steps
Internet Archives - Clark Howard
Understanding Home Equity Agreements
What Is an Annuity, and Why Does Clark Think They Stink?
You Won’t Believe What Clark Howard Says About Wells Fargo Now
Should You Make Your Child an Authorized User on Your Credit Card?
Authorized User vs. Joint Account Holder: Understanding the Difference for Credit Cards
18 of the Best High-Yield Online Savings Accounts in July 2025
How To Open a Roth IRA
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: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 23
27 min

10 Financial Myths That Are Costing You Money
Are you falling for common financial myths that are holding back your wealth? Fiduciary financial advisor Wes Moss debunks 10 prevalent financial misconceptions that could be costing you big time!
10 Investing Myths That Are Costing You Money
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the July 22, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask.
We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments!
Learn more about Wes: BOOKS BY WES MOSS / Wes Moss, CFP®
Learn more about your ad choices: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices
Jul 22
42 min
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