01.17.25 Clark Answers His Critics on Clark Stinks / Maximize Your Savings

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - what a lawsuit against Ameriprise can teach us all about saving and investing. Clark Stinks: Segments 1 & 2 Savings Rate Rip Offs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty for Your TV? Travel Insurance Checklist: 5 Types of Coverage To Consider 4 Things To Know Before You Buy a Digital TV Antenna T-Mobile 5G Home Internet: 5 Things To Know Before You Sign Up Best Credit Cards for Students: Top Picks for 2024 Barrons: Ameriprise Asks Judge to Toss Clients’ Cash-Sweep Lawsuit 17 of the Best High-Yield Online Savings Accounts in January 2025 High-Yield Savings Account (HYSA) Calculator MyCredit Guide - American Express Submit a complaint | Consumer Financial Protection Bureau What Is a 403(b) and How Does It Work? 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

• 0:00Speaker 00

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• 0:41Speaker 01

  Your sausage McMuffin with egg didn't change. Your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.

• 0:53Speaker 02

  Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 1:01Speaker 03

  It's great to have you here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. And it's Friday. You know what that means? Is when I get to hear your advice for me. Get to hear where you feel I've gotten it wrong, incomplete, whatever. A plain out F or even an I, you know, an incomplete like a school in our Clark Stink segment. And later, I want to talk about a lawsuit against Ameriprise. And there's important lessons in it for anybody who's putting their money to work for their future investing.

• 1:44Speaker 03

  But without further ado, it is time to hear me stink it up.

• 1:49Speaker 04

  I should have never encouraged you to speak.

• 1:51Speaker 05

  You must think I'm pretty stupid. You should be ashamed of yourself. Well, maybe I'm wrong. Maybe I'm wrong. Maybe you're right, pal.

• 1:59Speaker 06

  I do want to mention an upcoming change with the Clark Stinks. And it's not going away, but we'll do one again next Friday. And then after that, we're going to go to every other week. Just because of your new and improved schedule, I feel like we should do it a little less often.

• 2:14Speaker 03

  Okay. All right, we'll see what kind of response we get. We may see if people say Krista stinks by not having as many Clark Stinks.

• 2:21Speaker 06

  All right, we'll see. Maybe once in a while, we can do like a full show, but you know.

• 2:25Speaker 03

  That's fun. We've had a good time doing that before.

• 2:28Speaker 06

  We have, we have. Okay. Here we go. When discussing the difference between contribution limits for simple IRAs, 401k plans, and traditional Roth IRAs, and Roth IRAs, Clark said, "There is no rational reason why people with access to some retirement plans should be able to contribute different amounts than people in other plans or IRAs. Actually, there's a very rational reason. Business owners, normally high-income earners, will be more willing to take on the cost of administration and matching employee savings if there's a big benefit for the business owner, namely in the form of larger tax deductions. By offering larger contribution limits in 401k and other retirement plans, owners are enticed to take on additional costs and help lower-income employees with saving for retirement.

• 3:10Speaker 06

  If retirement plans and IRAs had the same limit, many employers would not feel the need to offer a retirement plan because they could get the same tax benefit without the additional cost. In that case, the lower-income worker would not get the retirement benefits from their employer." Ryan.

• 3:25Speaker 03

  Ryan, thank you. That's very thoughtful, what you said. There is a provision in the law that highly compensated employees can have the amount they're allowed to contribute reduced if lower compensated employees don't contribute. And that's to try to make sure that employers are enticing employees with a generous enough match in the retirement plan, that the employers will be able to have that enlightened self-interest you talk about and be able to contribute more. What I'm learning over time is that our current alphabet soup system for retirement is not working for.

• 4:08Speaker 03

  For the typical American working person because it's too complicated. They don't understand how it all works. And they end up with things like the problem I've addressed a few times from questions people have given me that they don't know whatever happened to the 401k they had over here or the simple IRA they had over there and all that. And, and it's way, way, way too messy. The way we do retirement savings in the United States. We need a simplified system where even if an employer provides a match, it's into an account that's the employees that they already have and doesn't have to be ported from employer to employer.

• 4:50Speaker 03

  The system we have right now is dysfunctional.

• 4:54Speaker 06

  Well, I don't think Clark is that stinky. He did miss a shot while discussing which toilet paper to buy. We have converted to a bidet in our home. We did an easy install ourselves in our current old fashioned toilet and we ended up with a cleaner bottom, bottom end, and we use much less toilet paper. Great warm water wash and blow dry. So maybe Clark does have a stinkier tush than he could have. Charlie.

• 5:19Speaker 03

  This is our second.

• 5:21Speaker 06

  Lots of people, yeah. People love their bidets. And you know, I always say Costco has those on sale, like they have.

• 5:28Speaker 03

  Oh, the attachments.

• 5:29Speaker 06

  Mm hmm. And then they have the fancy like Toto toilets or whatever. Those have bidets, right?

• 5:34Speaker 03

  Oh, yeah.

• 5:35Speaker 06

  The Japanese toilets?

• 5:36Speaker 03

  You know, they have heated seats and they do all kinds of crazy things and they also have a crazy kind of price.

• 5:43Speaker 06

  Yeah. All right. Let's see. You're wasting money and that stinks. Ask for supplemental insurance for electronics, cars, home repairs, travel. Many of those insurances cost eight or 10% and then you have to go through all the steps trying to put in a claim if you can. For some consumers, wouldn't it be far ahead better to simply bank the amount of the cost of the insurance they offer and draw on that? Should the product need to be repaired or replaced, you miss a trip. I have a very financially astute friend and he's done this for 20 years and now has a six digit balance in an investment account. Howland.

• 6:16Speaker 03

  Howland, okay. So that was not a Clark stinks. That's the.

• 6:21Speaker 03

  The extended warranties that everybody sells absolutely stink.

• 6:25Speaker 06

  Right.

• 6:26Speaker 03

  Don't buy them. Don't buy them ever. And the next time a TV person says to you, you need to protect this investment in the TV you're buying, all you gotta say is a TV is not an investment. It's not.

• 6:42Speaker 06

  I mean, they offer it on everything. So I think Helen maybe might have heard someone else talking about it, not you. But like, I bought a little fan and they offered me an extended warranty.

• 6:50Speaker 03

  They did not.

• 6:51Speaker 06

  Yes, they did. They offer that everything.

• 6:53Speaker 03

  The funniest was when I was offered one on a pair of running shoes. I'm like, seriously? A warranty on my running shoes? No, this is, this is because the profit margins on them are like virtually nothing else. And there is never a time I've heard there would make sense to buy one of these extended warranties, extended service contracts on any consumer purchase.

• 7:19Speaker 06

  I love your-

• 7:19Speaker 03

  Now I'm ready for the post from people who are gonna say, but what about, what about how, you know, I had this and, you know, blah, blah, blah. There's always the exception, but the math overall is what wins the day, which makes any kind of extended service contract, extended warranty, a loser.

• 7:40Speaker 06

  I love your show, but you stink on the travel insurance stuff. I looked up Capital One Venture X, and while they do include provider default on their insurance, it's only up to $2,000 per person. So it's only for airfare or cheap trips. The Sapphire does not include carrier default, but it provides up to $10,000 per person. Susan.

• 7:57Speaker 03

  Susan, thank you. And so, most people don't go on ultra expensive trips. So the Capital One Venture X with $2,000 cap on coverage for supplier default, for most people, most situations will work. Chase Sapphire has narrowed what theirs covers, but Chase Sapphire traditionally has been the best card for coverages for travel insurance that's included for free, car rental coverage that's included for free.

• 8:35Speaker 03

  But they do not cover supplier default. So we've got this gap in the marketplace. And I don't have an easy answer for people buying really, really expensive trips.

• 8:48Speaker 06

  I can smell you all the way from my small rural town in Mississippi. I would love to cut the cords, stop streaming subscriptions and lower costs for TV by installing an antenna for an old-style free over-the-air TV. But I and 30 million Americans live in rural areas where over-the-air TV signals are weak or unavailable, making it difficult or impossible to receive broadcast television with an antenna. These areas are often referred to as TV deserts due to their lack of coverage by major network signals. So at this point, I'm stuck with paying for cable or using the T-Mobile cellular internet, which seems to work in the area and is less expensive than cable. Stephen.

• 9:25Speaker 03

  Stephen, thank you. And T-Mobile has done a great job with the T-Mobile Home Internet, covering a lot of areas in rural America that don't even have an option of having internet from a monopoly local phone company or from a cable monster, and giving people the ability to have a reasonable-speed home internet at a very, very reasonable price. As for the antennas not working, I mean, this has been a problem in rural America forever. I mean, you get so far out, and even a big rooftop antenna is not going to pull in a broadcast signal.

• 10:08Speaker 03

  And thank you for pointing out my oversight.

• 10:12Speaker 06

  You stink like low tide in sea lion caves. Wow, never experienced that one.

• 10:16Speaker 03

  I don't know what that's like.

• 10:17Speaker 06

  Yeah, must be nasty. Okay, you don't really stink, but your advice to Brian in Wisconsin does. You told Brian it was a good idea to buy a $30,000-plus new vehicle when he only makes $65,000 a year. Let's use a Toyota Camry as an example. I looked online and immediately found a 2022 Camry SE with 38,000 miles for $22,000. A 2024 Camry SE goes for at least $10,000 more than this. If Brian follows your advice, he'll essentially Be paying $3.80 a mile for the first 38,000 miles before fuel and maintenance. In what world does spending half your annual income on a new car when you can have just as good a car for 30% less make sense? By the way, I picked a Camry out of fairness to you because they hold their resale value extremely well.

• 11:03Speaker 06

  I also found a 2022 Kia Rio with 33,000 miles for $23,000 while the starting MSRP of the 2025 model is 36,000. You recommend this to someone else, but in your own life, you're dropping YouTube TV and NFL Sunday Ticket? Come on, Clark. Robert.

• 11:20Speaker 03

  Robert, thank you. Truthfully, Robert, I don't remember the specific circumstance from that question. And if the numbers are as you said, and I was encouraging somebody to spend an enormous amount of their take home pay on a brand new Camry, then obviously I had a screw loose and I wasn't thinking clearly. You know, I love used vehicles and the gap with new and used vehicles has actually narrowed some lately. And that's coloring some of what I say because the used vehicle market has come way down from the high prices it was. And now the new vehicle market is coming down in price.

• 12:05Speaker 03

  And so these decisions are harder, particularly because of the high mileage on a lot of used vehicles. But you gave a perfect example where that was not a relevant argument on my part.

• 12:17Speaker 06

  When you talk about employer 401k matches, you need to quit saying free money. Employing matches are not really free money. Rather, it's already factored in as a part of overall compensation, just like vacation and sick days. As a side note, I've been taking advantage of a Roth 401k option from my employer. While it's a great option, it is important to note that only employee contributions are treated as a part of the Roth. Employer match is always tax deferred, so it acts like a traditional 401k and not as a Roth. Well, Clark, you don't stink, but for sure on this topic, you do not smell like fresh linen either. Thank you to you and your team for serving others. Wishing you a bright 2025. Humong.

• 12:55Speaker 03

  Hrman, I should tell you that you were completely right, but now an employer has the option of doing the match as a post-tax match, so that both the employer money and the employee money can now be Roth money instead of traditional. The difference ends up being a taxable event for the recipient of the match, but long-term, there's actual benefit to it. Now, the other thing about it being free money, okay, so why do I call it free money? Of course, the employer's paying for it, and it's part of how they look at compensation.

• 13:35Speaker 03

  But employees that don't participate in the 401K, traditional or Roth, miss that match money that to them would be like a built-in raise, or in the example, let's look at the reverse of what you said, it's like them taking a voluntary pay cut. If you look at it as employer saying, "Hey, I'm spending this money, not for that employee." They voluntarily took a pay cut they shouldn't take.

• 14:03Speaker 06

  Some additional information regarding college credit cards. As Clark mentioned, our family had a great experience with the Discover card for building our kids' credit, specifically using the secured card to start when they turn 18. This has all three of our young adult children with a credit score above 780. We added them as users on our cards too, but didn't give them the cards. We wanted them to have another credit card on their own. We applied for the Bank of America card recommended on Clark.com, and my 21-year-old son was approved, but my 18-year-old daughter was denied. The explanation is if you're under 21, the college student must have active current income, not just from a summer job, etc. The guidelines are looser once they reach age 21. Just a little wrinkle that I had not heard you mention. Thank you for everything.

• 14:47Speaker 06

  I listen every day on my way home from work. My wife asks me when I get home, "So, how's Clark doing today?" Brian.

• 14:54Speaker 03

  Brian, and you know, I'm Brian as well, my middle name. Uh, okay, so you said Bank of America, right?

• 15:01Speaker 06

  Right, that's one of the student cards.

• 15:02Speaker 03

  Yeah, Bank of America is using that as their own criteria for people under 21. There are specific requirements about banks being reckless soliciting college students before their 21st birthday, but any of a number use different criteria for granting a card, so it's Bank of America's internal guidelines.

• 15:24Speaker 06

  I found it with the other ones, too. I went through this with my daughter, like, they want you to have real income. It was a little crazy. And my friend went through it, too, with her college-age daughter.

• 15:35Speaker 03

  So I stand corrected. I didn't experience that with my kids.

• 15:39Speaker 06

  Yeah, I don't know if it's a new thing, but it was definitely happening.

• 15:42Speaker 03

  Thank you, Krista.

• 15:43Speaker 06

  Sure.

• 15:43Speaker 03

  See? Clark did stink, twice here.

• 15:46Speaker 06

  I think it's a new thing. Okay, it stinks what Clark neglected to tell us, that while cutting back his show to three days a week, he's also decided to only give us half the answers while he's on. While answering a question about residual interest when closing an account, he only offered the arduous task of trying to figure out how the interest is compounded and then when it's paid. What about the far simpler answer of just emptying the funds from the account before closing it? Within 30 days, your interest should show up, if there is any, and depending on how lackadaisical you are about emptying the interest within that time, you could even wait 60 days and see if that small amount of interest generated even a few pennies that you could also empty before closing. No need to waste time deep diving into your account's interest policies.

• 16:29Speaker 06

  If you're only going to give us three-fifths as much time, you might as well give us quality answers, Clark. Jotham.

• 16:35Speaker 03

  Jotham, I love that. I love that suggestion, because there are players out there that are doing this really janky kind of thing, where instead of calculating interest as simple daily interest, which is tradition... With savings accounts, they're only giving the interest at the end of a certain period. So if you close an account, that money sits there, you're the one who has to go figure out how to chase it. Your idea is actually a great idea that you empty the account, but not close it till whatever final credit of interest might occur. And that is really, really smart.

• 17:19Speaker 06

  My only worry would be I'd make sure the account doesn't have a minimum balance or you have to pay a fee or anything for keeping it open.

• 17:26Speaker 03

  That is a very good point. And I guess it would depend, again, on all those crazy mice-type rules that the banks and the brokerages come up with. Speaking of taking advantage of people with their money that they have in their hard-earned savings, I want to tell you about a lawsuit against Ameriprise, which is very similar to lawsuits against other companies for cheating people on money they have in savings.

• 17:58Speaker 01

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.

• 18:11Speaker 02

  Pricing participation may vary. Promotion pricing may be lower than meal pricing.

• 18:14Speaker 07

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• 20:04Speaker 03

  Okay, this has worked my last nerve with how banks cheat their customers, brokerage houses cheat their customers by taking the cash that you have in savings in a bank or in a brokerage equivalent and paying people 1/100 of 1% on their savings. This has been an ongoing sore spot for me because it's so dishonest. Nobody really noticed when interest rates were really low, but when interest rates

• 20:48Speaker 03

  started rising, banks kept the interest rate at 1/100 of 1%. Some of the brokerages kept the earnings at 1/100 of 1%. There have been a number of lawsuits involving brokerages underpaying people on their savings way below market rates. Some of the companies I talked before about Charles Schwab, that was paying customers 0.4% when interest rates people could be earning were close to 5%.

• 21:21Speaker 03

  And there are lawsuits against Morgan Stanley, another big commission-based company, LPL. And in the case of Ameriprise, Ameriprise has been sued. And Ameriprise is not fighting whether or not they really were paying people 1/100 to 1%, when interest rates were 4% to 5%. What they're saying is, "Hey, you signed up with us. You don't have any right to sue us. Your only right is to go to arbitration." And by the way, when you have an account with us, we wear two different hats. One, we're a fiduciary, which means they have to do what's

• 22:03Speaker 03

  in your best interests, where legally, they are bound to do what's best for you. And then the other, they're not. And they're earning commissions from products that may work really well for Ameriprise, but maybe not so much for you. You know, this is a rot to the core that goes on with the big banks and the brokerage houses. Not all the brokerage houses, but does with the big banks. This idea that, "Hey, what somebody doesn't notice, well, too bad, too sad for them, so sad for them." And I need you to understand the mentality of this

• 22:40Speaker 03

  quote that Ameriprise gave to Barron's. And it just bothers me so much that their whole thing is that you are this kind of person or that kind of person in the same account. And so, we play two different roles with you. How is a consumer supposed to know? And by the way, I don't care which of the full-commission brokerage houses you're with. You need to know what you're paying for what you're in. What are you paying? What kind of commissions are you paying? What kind of ongoing management fee are they charging you? What kind of fee is attached to the investments? And what you'll find...

• 23:26Speaker 03

  Is that you are paying, in many cases, 30 to 50 to 100 times in expenses, what you would be paying if you were in a self-managed account with a discount broker? Or you were somebody like Vanguard? I mean, do you really feel like you're getting a lot from a company that says, "Oh, well, well, you know, you could have done other things, but you didn't. And so, we're okay paying you 1/100 of 1%." And Charles Schwab doing this thing where when interest rates are paying so much more, defaulting people into .40%. And Schwab is generally a very good company.

• 24:11Speaker 03

  I don't like it. And I got to tell you, if you were with one of the giant monster mega-banks, go look and see what they're paying you on your savings. And then, go look at our list of FDIC-insured online savings accounts. And look at the difference at what the giant monster mega-bank is paying you on savings versus what you could earn with your savings sent away to an FDIC-insured financial institution. It's your money. I want it working for you.

• 24:44Speaker 06

  Okay, we'll go to questions. Keith in Illinois wrote in with this one. "Have you reviewed Amex's My Credit Guide for monitoring your credit score? It's free, and you don't need to get a credit card from them. I presume your app will be sold for the privilege, but I wanted to get your thoughts."

• 24:59Speaker 03

  Okay, so this is an idea that Discover came up with years ago, Keith, where Discover made it available to non-customers to see their credit score. And now, you're telling me American Express allows non-customers to use My Credit Guide? And My Credit Guide is a good tool, just like the Discover tool. And what are they getting out of it? Okay, so there you are. You've inquired. You've set up this account to go on My Credit Guide. And then, they realize, "Ooh, it's a good prospect here." So, don't be surprised if you then, in turn...

• 25:39Speaker 03

  Receive really nice offers from American Express to have credit cards with them or other products that American Express offers. To me, this is a perfect, good use of capitalism. They're giving you something for free in return for the opportunity to find qualified leads to people who might be great future customers. You win, they win.

• 26:08Speaker 06

  Anthony in Georgia says, "I pay my mortgage religiously to this big bank. However, since June 5th of 24, they're reporting information to Equifax and Experian that is resulting in being interpreted by those bureaus as me having a $0 balance and indicating that it's due to the mortgage being sold or transferred. This is not true. My mortgage is open and active with a balance near $212,000. I've unsuccessfully been pursuing this with the bank since June of 24. This is negatively impacting my FICO score. What can I do to get the bank to resolve this matter? After this long, they apologize, but the issue persists."

• 26:48Speaker 03

  Okay, so Anthony, your servicing could remain with this bank, but they could have sold off your loan to another lender. And you would have received a letter from them saying that was the case. For whatever reason, their computer system thinks your loan was sold off. If you never received any notice like that, then they haven't done their job. So if your loan had been sold off, what would normally happen is your loan would be reported on your credit report by the new lender who owns it, even though the servicing was still handled by the bank that had it.

• 27:33Speaker 03

  Now, I had an opposite situation of yours years ago. I had a loan that was being reported twice on my credit report, once by the lender that used to own it.

• 27:47Speaker 03

  And then second by the one that bought it. So it threw my ratios all out of whack and I was being hurt and I could not get it resolved easily. I'll tell you how you get this taken care of. You have a pretty good shot. File a complaint against the bank at consumerfinance.gov. That's the Consumer Financial Protection Bureau. The bank will have 30 days to investigate and answer and hopefully will soon start reporting your balance. Or on the other hand, they will provide you the information of who now owns the loan and should be the responsible party that is reporting it.

• 28:31Speaker 03

  But my guess is that the loan is still there, it's just miscoded and that's why it's not being reported to the Bureau. And I want to hear back from you if you're successful with your complaint that you file at consumerfinance.gov.

• 28:46Speaker 06

  How did yours finally get resolved?

• 28:48Speaker 03

  So this was before consumer finance existed. I filed a complaint with the state banking regulator and it took about six weeks, but it finally was cleared up after I'd beaten my head against the wall. I mean, I don't know how big the hole in my head is from beating against the wall, trying to get it resolved with the two bank bureaucracies.

• 29:11Speaker 06

  You always say you like it when stuff like that happens to you, so you understand how other people feel.

• 29:15Speaker 03

  Exactly. I love customer no service that happens to me because I so much more understand what happens to you.

• 29:23Speaker 06

  Okay. Chela, Chela, I'm not sure how to say your name, I'm so sorry, in California, C-H-E-L-A, in California, wrote in with this. I want to find out if I can use my 403Bs to pay for my daughter's vet school. I have a few retirement accounts worth about a million dollars and a teacher pension available to me when I retire in five years. I really don't believe I will need the 403B accounts and that's why I want to know if I can use it for vet school without being penalized. I know if I withdraw the money, it becomes income for me and I know that if I withdraw before I turn 59 and a half, I will be penalized. I've read that some people convert 403Bs into IRAs, but I've already contributed to a Roth IRA for 25 years now.

• 30:04Speaker 03

  Wow.

• 30:04Speaker 06

  So I don't even know if I can do a conversion, since I already contributed the max $8,000 per year.

• 30:11Speaker 03

  Okay, this is a complicated situation that actually has some clarity to it. The limit to contributing to an IRA does not apply on a transfer of money from a plan, an employer-provided retirement plan, to an IRA. So that normal limit of your contributions doesn't apply here. So with a 403B, I gather from what you said, you're still working where you have the 403B. With a 401K, you would not be allowed to transfer the money out. But with a 403B, money that you have already absorbed all the commissions for that 403B,

• 30:56Speaker 03

  you're able to transfer that amount of money into your own IRA or into another plan that you prefer, could be another 403B. And, once the money's in an IRA, money spent on education at a school that is part of the federal student loan program, which any vet school would be, you're allowed to withdraw the money, free of 10% penalty for education for yourself, your child, I think a grandchild as well, there are certain eligible parties.

• 31:33Speaker 03

  And I want you to go research using an IRA to pay for education before age 59 and 1/2, and you'll see an explanation of the rules involved. And the 403B has its own complications. If you have trouble navigating that, go to the website 403BYSC.

• 32:01Speaker 03

  Dot com. It's a dot com, not a dot org. And they provide such great assistance to people who have 403B questions or problems. And if anything I said needs to be tweaked a little, they know how to do it because they live, eat, and sleep 403Bs. The best experts in the country on 403Bs. Again, it's 403BYs.com.

• 32:31Speaker 06

  Dot org.

• 32:32Speaker 03

  Dot org.

• 32:33Speaker 06

  Dot com may work.

• 32:34Speaker 03

  I was waiting for you to...

• 32:35Speaker 06

  Yeah, dot com may work, but they do dot org.

• 32:38Speaker 03

  403BYs.org. So, I kept stalling, Krista. I kept waiting for the answer. Thank you. So, wanted to tell you that this is a holiday weekend upcoming, so there is no episode in honor of Dr. Martin Luther King's holiday birthday celebration. His actual birthday is January 15th, but like so many federal holidays, it's celebrated on the Monday they choose around it. And this year, it's Jan. 20. And we will be back at your service Wednesday

• 33:17Speaker 03

  of next week. And I hope you have an absolutely fantastic weekend. And don't miss the great advice we have for your wallet all weekend long at Clark.com and ClarkDeals.com. So you can save more, spend less, and avoid getting ripped off.

• 33:42Speaker 01

  Your sausage McMuffin with egg didn't change. Your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.

• 33:54Speaker 02

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