The Clark Howard Podcast

Today - The growing "unretirement" trend reveals that nearly half of retirees who return to the workforce do so out of financial necessity rather than choice. Clark shares several considerations and strategies for retirement planning. Later - you may have seen ads for online memberships for medical tests that will give you insights into your health. But will your information be protected? How important is medical privacy to your financial life? Because federal and state laws are often silent on these specific privacy standards, Clark suggests a unique, cautious approach.

Unretirement: Segment 1

Ask Clark: Segment 2

Medical Privacy: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

Retirement on Pause: High Costs Push Older Americans Back to Work

Age Americans Actually Retire (It’s Earlier Than They Plan)


How To Find and Choose a Financial Advisor

ETFs vs Mutual Funds: What’s the Difference and When Does It Matter?

Fidelity Investments Review: Pros & Cons

Popular online lab tests may not be covered by HIPAA protections

Subscription Services: Why Canceling Is So Hard (and a Solution)

How To Get a Gym Membership for Practically Free - Clark Howard

Why You Do Not Want To Get a Big Tax Refund Check - Clark Howard

Best 529 College Savings Plans By State


When You Should (and Shouldn’t) Use a 529 Plan

Clark.com resources:

Episode transcripts


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Consumer Action Center Free Helpline: 636-492-5275

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Should You Dump U.S. Stocks for International? & Top Retirement Number To Watch in 2026

With international stocks outperforming the S&P 500 recently, many investors are asking the same question: Is it time to pivot overseas? Before you overhaul your portfolio, learn why you might already have more international exposure than you think. Also, Wes revisits the most important metric for your financial peace of mind in 2026: The Rich Ratio. Retirement isn't about the total size of your nest egg; it’s about the "margin" between what you have and what you need. We explain how to calculate your ratio in under 60 seconds and why "financial richness" is often achieved more quickly by lowering your "needs"—specifically by tackling "big rocks" like your mortgage. Whether your ratio is currently above or below 1.0, this simple math will provide a clear roadmap for your retirement security.

Mentioned on the show:

A Better Way To Think About Your Net Worth

Backdoor Roth IRA: How High Earners Can Still Contribute

Are You Richer Than You Think? Your "Rich Ratio" Could Tell You

Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 10, 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

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In today’s episode - We all have to buy groceries. So how do you find big savings? Clark has hard data on where the cheapest supermarket prices can be found. Also - Rising baggage fees are changing the math on airline cards. Clark shares an update and new recommendations for travel credit cards. 

SAVE MORE On Groceries: Segment 1

Ask Clark: Segment 2

Update: Airline Credit Cards: Segment 3

Ask Clark: Segment 4

Mentioned on the show:

⁠Consumer Reports - Most and Least Expensive Supermarkets⁠

⁠How to Save Money on Groceries: 22 Clever Ways - Clark Howard⁠

⁠1⁠⁠0 Ways You're Wasting Money on Groceries - Clark Howard⁠

⁠How To Get a Free Cell Phone in 2026 (Best Deals + Hidden Catch)⁠

Why Clark Is Making a Modification to His Travel Credit Card Advice

⁠United Airlines Makes Major Rewards Change to Favor These Credit Cards⁠

⁠Top 10 Perks of the Capital One Venture X Rewards Credit Card⁠

⁠Total Value of Capital One Venture X Rewards Credit Card Perks

⁠5 Money Tips To Know Before You Travel Abroad - Clark Howard⁠

⁠Is There an Affordable Way To Get Wi-Fi on a Cruise Ship?⁠

⁠What’s the Best Way To Exchange Dollars for Foreign Currency?

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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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

Why Now Is the Best Time in Years for a Home Renovation

[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

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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

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