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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.
Clark takes on the touchy subject of merging finances with a significant other. The transition from financial independence to shared responsibility requires planning and ongoing conversations. Clark warns that silence is the enemy of a healthy relationship. Also today, Clark revisits the popular dream of retiring on a cruise ship. While "living at sea" was once considered a brilliant financial hack, the post-COVID landscape has changed the math entirely. Clark breaks down the current reality. Couples & Finances: Segment 1 Ask Clark: Segment 2 Cruise Ship Residency: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's 5 Money Tips for Couples Backdoor Roth IRA: How High Earners Can Still Contribute Roth vs. Traditional 401(k): What's the Difference? - Clark Howard My Teenage Daughter Just Got $2,000. Should I Open a Bank Account for Her? Living on a Cruise Ship in Retirement: A Brilliant Hack or a Costly Mistake? Elliott Report: Home Unclaimed Money: How To Find and Claim Missing Funds for Free Going™ | Flight Alerts, Mistake Fares & Cheap Tickets 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. Visit megaphone.fm/adchoices
Why Successful People Struggle With Retirement & What’s Going On With the Economy? In this episode, Wes tackles the psychological hurdle that many high-achievers face when they finally reach the "Retirement Green Zone." After decades of using hard work, discipline, and ambition to build a nest egg, it can be incredibly difficult to simply turn that drive off. Wes discusses the "ambition guilt" that many retirees feel when they pursue creative hobbies or passions that don’t generate a paycheck. Rather than viewing this transition as "lowering" your ambition, Wes argues that the key to a happy retirement is rechanneling that legendary work ethic into areas that feed your soul instead of your bank account. Also, it can feel like we’re in a confusing state of the 2026 economy, where record-breaking corporate data seems at odds with the reality on the ground. While U.S. company profits soared by 26% in late 2025 and nominal GDP has grown significantly since 2019, many consumers are still feeling the weight of high prices. Wes explains how we are living in a "K-shaped" economy and breaks down what these disparities mean for your wallet and how to navigate an environment where productivity is higher than ever, but the benefits aren't being shared equally. Mentioned on the show: How I Became Less Ambitious—and Happier—in Retirement Pension vs Lump Sum Calculator - Clark Howard Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the April 21, 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. Visit megaphone.fm/adchoices
Security cameras can work well to help protect your home and safety. Clark references Consumer Reports and CNET reviews highlighting quality, DIY camera options that offer motion alerts and peace of mind without the recurring bill. Also today - Online purchases mean delivery decisions, amid offerings of ultra-fast delivery from Amazon and its e-commerce competitors. Clark warns that there is nothing "free" about shipping. The trend is to receive items the day you order them, often in hours. But there’s another option that goes the opposite way - delayed delivery for less money. That trend is your friend. Home Security: Segment 1 Ask Clark: Segment 2 Delivery Options: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Home Security Cameras Without a Subscription, Tested and Reviewed (Consumer Reports) Best Home Security Cameras Without Subscriptions in 2026 5 DIY Home Security Upgrades That Can Lower Your Insurance Premium American Agency System: Independent Insurance Agents Explained What Is Identity Theft Insurance and Should You Buy It? How To Prevent, Report and Repair Identity Theft - Clark Howard The 20 Cheapest Cars To Insure In 2026, Ranked 5 Best Grocery Delivery Services - Clark Howard How To Get a Free Credit Report - Clark Howard Credit Karma Review: Free Credit Score and More at Your Fingertips NIH Clinical Research Trials and You / ClinicalTrials.gov: Home The Complete Guide to Traveling With Your Dog 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. Visit megaphone.fm/adchoices
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