Clark Howard

Thinking about buying a property to use as a short-term rental? Clark says there's one question every investor should ask first: What if short-term rentals are no longer allowed? Across the country, cities, HOAs, and condo associations are changing the rules, leaving some owners unable to rent their properties the way they planned. Before you buy, make sure the numbers still work if you have to switch to a long-term rental. #ClarkHoward #RealEstate #ShortTermRentals #AirbnbHost #Investing #PersonalFinance

T-Mobile just raised prices for many customers. Here's how to get the same service for way less money. clark.com/cell-phones/be…

Shopping for your own health insurance? Clark has a warning: the cheapest plan isn't always the best deal. As premiums and deductibles continue to climb, many people are tempted by low-cost alternatives. But Clark says some of these "bargain" health plans can leave out coverage for major illnesses like cancer or heart disease—when you need insurance the most. Before you sign up, look into whether a professional or membership association you're eligible to join offers access to a group health plan with better coverage and pricing. #ClarkHoward #HealthInsurance #OpenEnrollment #PersonalFinance #MoneyTips #Healthcare

Ditch takeout food and gym memberships and your wallet will thank you. Here’s a complete list of money-saving opportunities. clark.com/save-money/thi…

AI can be a powerful investing tool—but Clark says there's a line you shouldn't cross. Some brokerages now let AI automatically buy and sell investments on your behalf. Clark's advice? Don't put your portfolio on autopilot. AI can help you research investments, compare options, and answer questions. But when it comes to making the actual buy-and-sell decisions, Clark believes that responsibility should stay with you. If AI makes bad trades or creates a tax headache, you're the one who pays the price—not the AI. #ClarkHoward #AI #Investing #ArtificialIntelligence #StockMarket #MoneyTips

Phone numbers that look eerily similar to yours are often “spoof” calls, a scam that hopes you’ll answer. Here’s how the scam works and what to do if it happens to you. clark.com/cell-phones/fa…

Market headlines can be scary—but should you actually do anything? On today's podcast, Clark explains what to do if you're worried about a market downturn. If you're investing for a goal that's still years away, Clark's advice is simple: don't panic. Instead, focus on your timeline and make sure your investments are properly diversified—not driven by fear. Trying to time the market has derailed far more investors than staying the course. 🎧 Watch this and more from today's episode: YouTube.com/clark | Clark.com/podcast | Or your favorite podcast platform. #ClarkHoward #Investing #StockMarket #BearMarket #PersonalFinance #LongTermInvesting

It's TRAVEL TUESDAY and if you’re dreaming of a Mediterranean cruise, now is the time to make that dream a reality with savings of up to $790 with Holland America Line. Kids also sail free on select cruises! Get this DEAL 👉 clarkdeals.com/travel/cruise/…

What's your favorite tip to save money? Share in the comments! clark.com/save-money/how…

A listener asked Wes one of the most important questions early retirees face: How do you get health insurance before Medicare? Healthcare can be one of the biggest expenses in early retirement, but it doesn't have to derail your plans. In this week's Ask an Advisor, Wes explains how HealthCare.gov can help bridge the gap before Medicare and why managing your retirement income could help lower your monthly premiums. He also recommends using the Kaiser Family Foundation's Health Insurance Marketplace Calculator to estimate what your coverage could cost before making the leap into retirement. 🎧The full is out now - Watch on YouTube or listen now at Clark.com/podcast or your favorite podcast platform. #WesMoss #AskAnAdvisor #EarlyRetirement #HealthInsurance #Medicare #RetirementPlanning

A listener asked Wes one of the most important questions early retirees face: How do you get health insurance before Medicare? Healthcare can be one of the biggest expenses in early retirement, but it doesn't have to derail your plans. In this week's Ask an Advisor, Wes explains how HealthCare.gov can help bridge the gap before Medicare and why managing your retirement income could help lower your monthly premiums. He also recommends using the Kaiser Family Foundation's Health Insurance Marketplace Calculator to estimate what your coverage could cost before making the leap into retirement. 🎧 Catch the full conversation on this week's Ask an Advisor. Watch on YouTube or listen now at Clark.com/podcast or your favorite podcast platform. #WesMoss #AskAnAdvisor #EarlyRetirement #HealthInsurance #Medicare #RetirementPlanning

Ready to buy a car? Don’t fall into the most common trap clark.com/cars/avoid-no-…

Right now at Tripmasters, you can take a 9-night self-drive Ireland tour including Dublin, Cork, Killarney, Galway and Limerick with flights & hotel from $1,489 per person. Get this DEAL ➡ clarkdeals.com/travel/ireland…

On today's podcast, Clark explains why it's so important to talk with your parents before a crisis happens. Make sure you know: 📂 What accounts they have 🧾 What bills they pay 📄 Where important financial documents are kept These conversations can feel uncomfortable, but waiting until there's a medical or cognitive emergency can make things much harder for everyone involved. 🎧 Clark goes in depth on navigating the financial challenges of the sandwich generation in today's episode. ➡️ Watch on YouTube or listen now at Clark.com/podcast or your favorite podcast platform. #ClarkHoward #SandwichGeneration #FamilyFinance #AgingParents #MoneyTips

Ready to buy a car? Don’t fall into the most common trap. clark.com/cars/avoid-no-…

Think carrying a credit card balance helps your credit score? Clark says that's one of the biggest credit myths still out there. If you can afford to, pay your credit card balance in full every month. Carrying a balance doesn't improve your credit—it just costs you money in interest. Banks make money from people who carry balances, not from those who pay in full during the grace period. 💬 Have you ever believed this credit myth?

Do you buy in bulk, use coupons, look for sales and shop with a specific list? If not, chances are you’re wasting money on groceries. Let’s fix that. clark.com/shopping-retai…

A listener challenged Clark, asking why he encourages people to maintain a good credit score instead of focusing solely on living debt-free. Clark's answer? 💡 Being debt-free and having good credit aren't mutually exclusive. Clark says he believes most people benefit from maintaining an active credit history because it can affect far more than your ability to borrow money. A strong credit profile may help you: 🏡 Qualify for better mortgage rates 🚗 Pay less for auto and homeowners insurance in many states 💰 Access better financing when you need it The key is how you use credit. Clark's approach is to use credit cards only as a payment tool, paying them off in full every month—not as a way to finance purchases. 👉 You don't have to carry debt to have excellent credit. 🎧 Watch this and more from today's Clark Stinks episode: YouTube.com/clark | Clark.com/podcast | Or your favorite podcast platform #ClarkStinks #CreditScore #DebtFree #ClarkHoward #PersonalFinance #MoneyTips

Right now at Tripmasters, you can enjoy a 6-night California self-drive road trip with Yosemite stay and flights from $789 per person. Get this DEAL ➡ clarkdeals.com/travel/6-night…

Take a look at these common leaks to see which one may be sinking your financial ship (then find out what to do about it). clark.com/personal-finan…