The Clark Howard Podcast

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today -  if you have been considering doing a renovation or adding an ADU to your home - is now the right time?  There’s been a general shift in the market. 


Clark Stinks: Segments 1 & 2

Home Improvement: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

What Is a Solo 401(k) and How Does It Work? - Clark Howard

What Is an HSA Account and How Does It Work? - Clark Howard

HSA vs FSA: What's the Difference? - Clark Howard

Is Now a Good Time To Refinance Your Mortgage? - Clark Howard

Clark Howard's Special Rule for Refinancing Your Mortgage

Axios: Home Depot flags rising unease among homeowners

[The WP] Your backyard could be a home. Here’s how to build one.

16 of the Best High-Yield Online Savings Accounts

High-Yield Savings Account (HYSA) Calculator - Clark Howard

Is Your Home Underinsured? - Clark Howard

Homeowners Insurance Archives - 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: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Clark explains the confusion around how various interest rates are set, from savings & CDs, to credit cards and car loans. He explores the "K-shaped" economy, where a flood of cash into savings and CDs drives down returns – even at online banks, and how the "convenience trap" can cost consumers thousands on all kinds of loans. Also, good news at the grocery store: the "store brand revolution" is working. After years of price hikes, name brand giants are finally slashing prices on snacks to win back customers.

How Interest Rates Are Set : Segment 1

Ask Clark: Segment 2

Groceries: Big Brand Price Cuts: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

My 7 Rules for Using Credit Cards - Clark Howard

Best Place to Get a Car Loan - Clark Howard

How To Buy a House in 9 Steps - Clark Howard

NYT: After Years of Increases, PepsiCo Pledges to Cut Prices on Snacks

Are Car Wash Memberships Worth It? - Clark Howard

What Is Umbrella Insurance and Do You Need It? - Clark Howard

5 Ways To Start Living Below Your Means - Clark Howard

The 7 Money Habits of People Who Become Wealthy - 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: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices

Lump Sum Investing vs. Dollar-Cost Averaging & Is It Ever Too Late To Save for Retirement?

Wes Moss tackles one of the most paralyzing questions in finance: should you "cannonball" into the market or wade in slowly? While historical data shows that one method wins about two-thirds of the time, Wes explains why participation will always trump perfection.

Also, a sobering new study claims the average American has less than $1,000 saved for retirement. However, when you look past the headlines at the actual math, the story changes – and so does the outlook for "Late Start Larry and Lisa." If you’re in your 50s and feel like you’ve missed the boat, this segment is for you. Wes breaks down the 2026 contribution limits and shows how aggressive saving in your final working years can still turn a modest nest egg into a million-dollar retirement.

Mentioned on the show:

How Psychology Can Make or Break Your Portfolio

Retirement Calculators

What’s the Average Retirement Account Balance in America?

Is It Ever Too Late To Save for Retirement? - Clark Howard

8 Retirement Catch-Up Secrets for Savers 55+ - Clark Howard

Retirement Savings Limits in 2026 - Clark Howard

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 3, 2026, 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.  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: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices

Today - Nearly every purchase we make offers the “opportunity” to pay over time. Why Clark seriously despises Pay-In-4.  Also, Clark addresses the worsening doctor shortage and a related  profession that can help fill the gap.

The Pay-In-4 Trap: Segment 1

Ask Clark: Segment 2

Ask Your Pharmacist: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

Buy Now, Pay Later: A Helpful Tool or a Debt Trap?

How Lemon Laws Safeguard Consumers from Defective Goods

What Is a C.L.U.E Report and Its Impact on Your Insurance

5 Things To Know About Amazon Pharmacy Before You Sign Up

Why Does Clark Howard Wear 2 Watches?

[The Washington Post] Here’s a proven way to slow aging. Any volunteers?

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

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - In newer limited service hotels, rooms have gotten much smaller - at the expense of privacy. Clark explains the trend and the criteria he checks before booking.


Clark Stinks: Segments 1 & 2

Micro Hotel Rooms & Privacy: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

Charles Schwab Review: Pros & Cons - Clark Howard

Fidelity Rewards Visa vs. Schwab Investor Card® from American Express: Which Is Best?

Innovative Toll Solutions - Open Roads

Federal Trade Commission - File A Complaint

Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans

The Surprising Thing You Need To Check Before Booking a Hotel Room

The Best Day and Time to Book a Cheap Flight - Clark Howard

Best Credit Cards With No Foreign Transaction Fees in 2026

Does Your Travel Credit Card Check These 4 Boxes? - 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: megaphone.fm/adchoices
Learn more about your ad choices. Visit megaphone.fm/adchoices