Are you a Super Saver? Clark discusses the key choices you can make in your life that will truly empower you to have control over your financial future. There are 2 big decisions that most enable super savers to live on less than what they make. Also today - by design, many websites employ tricks to manipulate your buying, subscription and privacy choices. Recognizing these “dark patterns” can keep you above the fray of getting played. 
What Super Savers Know: Segment 1
Ask Clark: Segment 2
Seeing Dark Patterns Online: Segment 3
Ask Clark: Segment 4

 Mentioned on the show
Here are the top sacrifices made by 'super savers'
The Millionaire Next Door
How To Open a Roth IRA
What Is a Fiduciary Financial Advisor and Do I Need One?
How to Buy a Used Car in 7 Steps
Why You Might Want To Dump Your Delta Credit Card Now
Dark patterns: how online companies strive to keep your money and data when you try to leave — The Conversation
7 Things To Know About the Venmo Credit Card

 Clark.com resources
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10.24.23  The 2 Key Choices Of Super Savers  /  Recognizing Online Manipulation

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.

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Keeping your finances organized creates more efficiency and less stress in your life. Today Clark goes back to basics on what kind of documentation you should keep, and for how long. Also, millions of our aging loved ones are aggressively targeted and collectively scammed out of billions each year. Clark offers adult children some direction for becoming proactive, in order to help protect vulnerable seniors. 
Your Important Documents: Segment 1
Ask Clark: Segment 2
Protecting Our Elders: Segment 3
Ask Clark: Segment 4

 Mentioned on the show:
Advice | Keep these 10 financial documents forever. Scan and shred the rest.
Which Documents Should You Keep and for How Long? (Clark.com)
Calculators - Clark Howard
The Easiest Way to Start Saving for Retirement When You’re Saving Zero Right Now
How Much of Each Paycheck You Should Save or Invest
5 questions to ask when helping an older parent with money
Seven Ways to Protect Older Adults from Financial Abuse
Living Will and Durable Power of Attorney: Frequently Asked Questions

Target Date Funds: Clark's Favorite Retirement Investment 

What Are Index Funds? /// What Is an ETF?

How To Find and Choose a Financial Advisor
AAA Membership: Is It Worth It?
Why You Should Never Use Roadside Assistance

 Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources
Episode transcripts
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Clark.com daily money newsletter

Consumer Action Center Free Helpline: 636-492-5275

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06.10.24  Which Documents Should You Keep?  /   Safeguarding Our Seniors

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Retirement can be the beginning of a wonderful new life! But it can also present serious challenges after a lifetime of working, including depression. Clark talks about avoiding this pitfall, and making the most of your golden years. 

Clark Stinks: Segments 1 & 2
Joy In Retirement: Segment 3
Ask Clark: Segment 4

 Mentioned on the show:
Costco vs. Sam's Club: What Is the Difference?
Overdraft Protection: What Is It? Do You Really Need It?
5 Tips To Protect Your Digital Privacy
How age-friendly universities can improve the second half of life — The Conversation
Why Retirees Are Going Back to College
What the Heck is a Core Pursuit?
Five Things I Wish I’d Known Before I Retired
The Center for Auto Safety: Learn the latest news in auto safety.
Virtual Credit Cards: An Online Security Measure Worth Taking?

 Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources
Episode transcripts
Community.Clark.com
Clark.com daily money newsletter

Consumer Action Center Free Helpline: 636-492-5275

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06.07.24   Clark Answers His Critics on Clark Stinks  /   Your Retirement Lifestyle

Only 1 in 4 people realize you can negotiate on items you think come at a fixed price. You can negotiate everything from the price of a new car to your cable bill to large appliances. Also, social media is full of pitches selling supplements and powders with claims they can improve your health and change your life. Not so fast. What you need to know about dietary supplements. 
Price Negotiation: Segment 1
Ask Clark: Segment 2
Warning: Dietary Supplements: Segment 3
Ask Clark: Segment 4

 Mentioned on the show:
A Guide To Negotiating For Cars, TV Bills, Home Renos And More
Is It Worth Buying High-End Appliances?
Here's How Long Your Home Appliances Should Last
The best time and place to buy appliances
Submit a complaint | Consumer Financial Protection Bureau
Dietary supplements and protein powders fall under a ‘wild west’ of unregulated products that necessitate caveats and caution — The Conversation
How To Avoid Fraud With Herbal Supplements

ConsumerLab.com /  NSF International /  U.S. Pharmacopeia

Consumer Federation of America Life Insurance Rate of Return Service
How To Find and Claim Missing Money in Your Name

 Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources
Episode transcripts
Community.Clark.com
Clark.com daily money newsletter

Consumer Action Center Free Helpline: 636-492-5275

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06.06.24  Become A Price Negotiator  /  Warning: Dietary Supplements & Protein Powders

Clark checks in on the current state of cryptocurrency - where it’s been, where it’s going. Also today, a look at the financial education young students are getting - including the FiCycle curriculum, and how you can start teaching them at home. 
Cypto Basics: Segment 1
Ask Clark: Segment 2
Financial Education: Segment 3
Ask Clark: Segment 4

 Mentioned on the show:
What Clark Howard Thinks of 'Crypto Winter' After Big Crash
Axios: SEC sends Robinhood's crypto business Wells Notice
Robinhood Markets receives SEC notice for alleged securities violations at crypto unit
Why You Should Never Mail a Check
NYTimes: The Key to Better Math Education? Explaining Money.
Why Clark Howard Uses Unit Price To Save Money When Shopping
How to Teach Young Kids About Money
When Is the Best Time To Collect Social Security?
Best Travel Credit Cards: Top Rewards Picks for 2024
DOT - File a Consumer Complaint
Submit a complaint | Consumer Financial Protection Bureau
BBB-File a Complaint

 Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources
Episode transcripts
Community.Clark.com
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06.05.23  Back To Basics: Cryptocurrency   /   Financial Ed Begins At Home

Today - What summer sunscreen shoppers need to know about effective, affordable skin protection. Also - Perennial questions about owning car warranties have only increased in the age of modern vehicles - basically computers on wheels that are more expensive than ever to repair. Clark shares new data & direction on warranties.  
Choosing Sunscreen: Segment 1
Ask Clark: Segment 2
Auto Repair Costs & Warranties: Segment 3
Ask Clark: Segment 4

 Mentioned on the show:
SUNSCREEN - Consumer Reports
NYTimes: How to Avoid One of the Deadliest Forms of Skin Cancer
Fender benders mean serious high-tech repairs now
Should You Buy an Extended Warranty on Your Car?
Buying Gas From a Station on This List Is Better for Your Car
What's the Best Way To Send Money Overseas?
What’s the Best Way To Exchange Dollars for Foreign Currency?
5 Money Tips To Know Before You Travel Abroad

 Thank you for listening today, Clarkies! If you want to be part of our “Clarkie” segment, call 404-981-2071 to leave a comment or story. We may play it during a future episode! Clark.com resources
Episode transcripts
Community.Clark.com
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

10.24.23 The 2 Key Choices Of Super Savers / Recognizing Online Manipulation

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