
Clark discusses why having a portion of your retirement funds in overseas investments is highly recommended. Also - Why Clark’s recent advice on shopping airfares just changed.
Investing Worldwide: Segment 1
Ask Clark: Segment 2
Airfare Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Why Investing Abroad Could Pay Off
Best Online Banks: Free Checking and High-Interest Savings Accounts - Clark.com
How to Buy a New Car in 5 Steps
Booking Domestic Flights One-Way? It's Costing You More (Again)
Delta’s New Fare Changes Just Made Booking Flights and Earning Miles More Complicated
Travel Archives / Cruises - Clark Howard
Top 7 Ways To Shop Safely Online
Should You Get a Business Credit Card? | When Is It Worth It?
Best Small Business Credit Cards: Top Picks for 2025
Best 2% Cash Back Credit Cards: Top Options for 2025
Best Cash Back Credit Cards With No Annual Fee in 2025
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 27
24 min

A retired couple’s home renovation plans nearly triggered a massive, hidden cost that no one wants to pay: the Income-Related Monthly Adjustment Amount (IRMA). Fiduciary financial advisor Wes Moss breaks down how a simple plan to pay for a renovation could have led to thousands of dollars in extra Medicare premiums and what you can do to avoid a similar fate. Also, Wes dives into the world of AI and financial planning. He explains why AI is a powerful tool for analysis, but warns against using it as a fortune teller. Find out how you can use AI to your advantage while avoiding the dangerous pitfalls of letting it make your big financial decisions for you.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 26, 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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Aug 26
38 min

Ever wake up Monday regretting how much you spent over the weekend? Today Clark re-examines the no spending trend through a needs-vs-wants traffic light lens as a smart way to think about spending. Also today - Travelers are being heavily targeted at ATMs & check outs. Clark shares an easy way to protect your wallet and identity when out & about - and why this is necessary now more than ever.
Mindful Spending: Segment 1
Ask Clark: Segment 2
ATM Pickpockets: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Should you buy it? If you answer 'yes' to these questions, probably not
What Can I Safely Use for Peer-to-Peer Payments?
Can I Use an Online Will Maker or Do I Need an Attorney?
How To Create a Will Online / Wills & Funerals Archives
How To Freeze and Unfreeze Your Credit With Experian, Equifax & TransUnion
NYTimes: Help! A Pickpocket Used My A.T.M. Card, and Citi Won’t Cover It.
Unpack these cybersecurity tips for a stress-free vacation
Why It's a Great Time To Get a Cheap Ticket to Europe
How To Pack a Carry-On the Right Way
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 25
33 min

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - Digital pricing is popping up in more supermarkets. Clark discusses how this pricing works, and how the results are turning out to be quite different from his early predictions.
Clark Stinks: Segments 1 & 2
Dynamic Grocery Pricing: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Amazon vs. Walmart: The Price War You’re Probably Losing (and How to Win!)
Subscription Services: Why Canceling Is So Hard (and a Solution)
4 Insurance Policies You Actually Need (And 4 You Don't)
Clark Addresses Changes to One of His Favorite Travel Credit Cards
Top 10 Perks of the Capital One Venture X Rewards Credit Card
Welcome to the Grocery Store Where Prices Change 100 Times a Day - WSJ
What Can I Safely Use for Peer-to-Peer Payments?
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 22
34 min

A rapidly changing job market calls for reassessment and thinking outside the box. And maybe outside your town. Clark seeks to help open your mind on 3 fronts in the quest for satisfying employment. Also, 529 Plans just got even better, with new ways to utilize them for non-traditional education.
Job Assessment: Segment 1
Ask Clark: Segment 2
New Possibilities With 529 Plans: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Axios: Where the jobs are
5 midsize U.S. cities driving small-business growth
Is Now a Good Time To Buy an Electric Vehicle?
Should You Ever Lease a Car?
Report: These 10 Vehicles Are the Best for the Money in 2025
Best 529 College Savings Plans By State
529 to Roth IRA: Rollover Rules, Conversion Guide, and FAQs
How to Get Financial Affairs In Order Before Death or Disability
Subscription Services: Why Canceling Is So Hard (and a Solution)
ESPN and FOX Join Forces on New Streaming TV BundleIs
Is Sling’s New Subscription Option the Sneaky Way To Watch Football in 2025?
Streaming TV Tool: Find Cheapest Way to Stream Your Favorite TV Channels
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 20
37 min

Why This Retired Couple Is Still 70% in Stocks and Will the Fed Start Lowering Rates?
A retired couple in their 80s has big pensions, no debt, and a significant amount of their portfolio in stocks. While traditional wisdom suggests being more conservative with age, find out why they have an “infinite time horizon,” as fiduciary financial advisor Wes Moss explains. Also, the Federal Reserve is the engine of the U.S. economy, and its decisions on interest rates have massive ripple effects, from the housing market to your savings account. With the latest inflation and jobs reports suggesting a cooling economy, Wes explains why we may be at the end of the "higher for longer" era. He also provides a critical heads-up for savers.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 19, 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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Aug 19
34 min

In today’s episode, Clark talks about the condo market and what makes it different from the single-family home market. Later, there’s a common, costly fee that may appear on your doctor bill that is generally not disclosed, and charged after treatment. Clark explains what’s going on and how to prevent getting gouged by this.
The Condo Market Difference: Segment 1
Ask Clark: Segment 2
Undisclosed Facility Fees: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion
Credit Lock vs. Credit Freeze: What's the Difference?
NBC News: Did your doctor's office charge you a 'facility fee'? Here's what to know.
Why It’s a Great Time To Get a Cheap Ticket to Europe
What Is a Fiduciary Financial Advisor and Do I Need One?
How To Find and Choose a Financial Advisor
Best Financial Advisors in 2025
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 18
32 min

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, one major rental car company has now earned the “do not rent” label from Clark. Get Clark’s latest advice on car rentals.
Clark Stinks: Segments 1 & 2
Car Rental Update: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Booking a Cruise? Here Are 5 Ways To Do It for Less
You Won't Believe What Clark Howard Says About Wells Fargo Now
What Is an HSA Account and How Does It Work?
Subscription Services: Why Canceling Is So Hard (and a Solution)
What Is a CD Ladder and When Is It a Good Idea? / CD Ladder Calculator
Marriott Bonvoy Boundless® Credit Card Review: What You Should Know
The Secret Technology Rental Car Companies Are Using Against You
Cheapest Way to Rent a Car: Expert Tips
Major Changes Announced for Southwest Airlines Credit Cards
How Do You Prepare for the Likelihood of Long-Term Care Costs?
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 15
31 min

Clark has vital, very important advice for fellow travelers regarding insurance. Also today - while tragic disasters bring out the best in people rendering aid, we know that scammers routinely emerge to exploit this attribute, with ploys to steal donations. Clark discusses what to watch out for in a case of disaster when you want to be of help.
Travel Health Insurance: Segment 1
Ask Clark: Segment 2
Scams After Disasters: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Travel Insurance Checklist: 5 Types of Coverage To Consider
Should You Ever Buy Travel Medical Insurance?
Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly?
5 Steps To Getting a Good Deal on a Hotel Room
3 Reasons You Should Never Book a Nonrefundable Hotel Room
How To Choose the Best Charities for Your Donations
Spot and avoid FEMA impersonators
BBB-File a Complaint
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 13
26 min

Is the 60/40 Rule DEAD? and Inheriting Money The Right Way
Is the 60/40 investing rule dead? Fiduciary financial advisor Wes Moss tackles this question by looking back at research and revealing what a $500,000 portfolio would look like today. He shares why balanced investing is still critical for a comfortable retirement. Also, with the largest wealth transfer in history underway, Wes provides a reality check on inheriting money. He gives you a simple checklist for receivers and givers to make sure you're prepared.
Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 12, 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
Aug 12
46 min
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