Pod Insights The Clark Howard Podcast 02.11.26 Tax Refunds & Withholding / Clarksplainer: Trump Accounts About this episode It’s tax season - and many Americans are going to receive higher than expected refunds. Guess what Clark wants you to do with extra money? And what about your withholding for this year? Also today, more clarity on Trump accounts. While the federal government is seeding these accounts with $1,000 for newborns, proceed with caution. Clark tells you how these work, who benefits, and who does not. Tax Refunds & Withholding: Segment 1 Ask Clark: Segment 2 Trump Accounts: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Reasons Why This Is the Best Time of the Year To File Your Taxes Why You Do Not Want To Get a Big Tax Refund Check - Clark Howard Is One Medical Membership for Prime Members Better Than a Health Concierge? Direct Primary Care: A new solution for rising health care costs? Should I Use a Credit Card or Give Up My Bank Account Info To Save 2.3%? Roth vs. Traditional 401(k): What's the Difference? - Clark Howard Trump Accounts: What You Need To Know Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans Should I Contribute to a 529 Plan Only To Roll It Into a Roth IRA Later? BBB-File a Complaint 5 Best Places To Buy Pet Medicines - 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 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Transcript 0:00 Speaker 00 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.
0:12 Speaker 01 Price and participation may vary. Promotion pricing may be lower than meal pricing.
0:15 Speaker 02 They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go to restaurants. Or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats, order now. Terms apply. Product availability varies by region. See app for details.
0:50 Speaker 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 to make better financial decisions in your life. And here in tax season, this year, there's, well, unexpected good things happening for a reasonable percent of taxpayers. You're going to get a higher refund than you expected or you may have seen in the past. So there's some things you need to know, you need to do. In conjunction with that, I'm going to explain the background. And after I get to some of your questions, I'm going to talk about something else I
1:34 Speaker 03 talked about when it first passed Congress, the things called Trump accounts, how they work, who they work for, and who should not do a Trump account. I'm going to give you the full scoop on that later in this podcast.
1:52 Speaker 03 So when Congress passed a new tax law, it was retroactive back to January 1 of last year. A lot of us had our withholdings set up where we work as they were, and they stayed that way through the year. So what's happened is your withholding historically may have generated some amount of refund, or hopefully, small tax bills still do when you went to file your return. Well, this year, a number of taxpayers, and there's such odd reasons that lead to bigger
2:31 Speaker 03 refunds for some people and then not for others, but you could see a tax refund 25% or more higher than you expected, depending on your personal circumstances. So if you get that unexpected higher refund from your taxes, remember, the refund you're getting is your money that you paid in that you're now getting back. Of course, I'm going to say things not exciting you should do with that money, particularly the money that's beyond what you expected.
3:11 Speaker 03 If you're carrying high-interest credit card debt, you know, you know, I want you to take that refund and throw it at the highest interest rate you're paying. And if it's enough to wipe out that credit card debt, great. But use it as a way to create more space in your life. If you don't owe any credit card debt, you don't owe any crazy debts at all, well, then, gosh, you know what I'm going to say next. I bet, if you're a longtime listener or viewer, you know I'm going to want you to put it in a Roth IRA. Sorry.
3:53 Speaker 03 I want you to build tax-free wealth for your future in that Roth. And if you weren't able to afford to do it before, you do it now for 26. Okay, so they got those things. And here's another thing. That tax law remains in place for 26. If your withholdings were not automatically adjusted by HR where you work, it means that when you go to file a return a year from now, for this year, you're gonna over withhold and you're making an interest-free loan to the government. Don't do that. Don't do that.
4:36 Speaker 03 What you want to do is reduce your withholding sum so that you pay in enough that'll cover your tax bill, but not too much that you're not having use of that money all this year. And so you could, if you reduce that withholding sum, take that money and increase what you're doing if you're offered a 401k at work, increase what you're contributing every pay period. Or if you haven't fully funded a Roth IRA, set it up where automatically money goes in there every month. And whatever you do, what I'm, what people tend to do with a windfall
5:19 Speaker 03 is a certain amount of it, they just go have fun with. They go buy something new or book a trip or whatever. But if you have pre-existing financial needs, like carrying high-interest debt or you're not saving enough, in your opinion, for your future, that's where using one-time unexpected money becomes such a great thing for you to do because it will pay off month after month, year after year, doing that. Krista?
5:54 Speaker 04 Okay, here we go.
5:56 Speaker 03 Am I in no fun zone?
5:57 Speaker 04 No.
5:58 Speaker 03 I just totally said, no! Don't go buy that thing, whatever that thing is. Don't go take that trip.
6:05 Speaker 04 You often talk about having a balance and so you have to save first and feel financially empowered before you can, and then you treat yourself. That's what you've always said.
6:17 Speaker 03 It's true.
6:17 Speaker 04 Okay, Janice in Georgia wrote in to you, Clark, with this one. It's been a while since you've discussed telehealth, particularly Prime One Medical. Any updates on the status of this kind of 24/7 virtual medical help?
6:30 Speaker 03 Okay, so One Medical that offers, no, it's not Prime, you get a better deal if you're an Amazon Prime member, but you don't have to be a Prime member to be in One Medical. Years ago, the founder of Amazon, co-founder Bezos, had this idea that he could fix medicine, primary care medicine. So he bought a company that already existed called One Medical, and now it's called, I think, Amazon One Medical. And I've been in it now for a few years, and I appreciate Jeff Bezos being willing to lose billions on this experiment because it's been really good. I mean, I've loved being in One Medical.
7:13 Speaker 04 You use it in conjunction with health insurance, right?
7:16 Speaker 03 Yes.
7:16 Speaker 04 Yeah.
7:17 Speaker 03 And so what it is, is it is a primary care doctor network that's in, not everywhere in America, but in, generally in cities where Amazon has a really strong customer base. And it works really well for me, traveling, because I can go to another city and if I have a medical problem, I don't have to go to an urgent care. I can go right on the app and make an appointment. Now, you're talking about the telehealth. So let's say you have a medical problem, off-hours on the weekend. You can have an on-demand, face-to-face medical
7:59 Speaker 03 appointment right then and there with a doctor, a PA, or a nurse practitioner. You pay for that, but you have instant access to being able to have that appointment. And they see before the appointment starts, they see your whole electronic medical record with One Medical. They know about you. They're not saying, "Well, tell me about you," or whatever. They know. So I've been really happy with it. Don't know how long it will go on. You pay an annual fee that's Really very, very reasonable, particularly if you have a family, which you pay for each additional member.
8:42 Speaker 03 It's not concierge medicine like these things people are paying three, five, six thousand, ten thousand dollars a year to have a doctor's personal cellphone number that you can call him or her from anywhere in the world at any time and they're there to serve you. It's not that. But I hope that Amazon is willing to keep losing billions on it and keep subsidizing my healthcare because I've been happy.
9:09 Speaker 04 Okay, any others that you know of that would?
9:11 Speaker 03 I don't know anybody who's done a business model like Amazon has done, but there is something else we've talked about from time to time called direct primary care. It's where you go to a streamlined doctor's office that doesn't accept insurance and you pay the doctor for seeing you and treating you. And these offices tend to be a doctor and maybe a nurse, a medical assistant, no normal overhead of a doctor's office where a third of their staff is paid just to deal with the horrible claims processing with insurance companies.
9:55 Speaker 03 And direct primary care is a very affordable alternative for you to have a relationship with a doctor.
10:04 Speaker 04 Glenn in Minnesota says, "My city accepts utility payments online, but they've begun to charge a 3% fee for payment by credit or debit cards. There's no fee for ACH transfers. What would Clark do?"
10:17 Speaker 03 First of all, it's crazy that they're charging the same 3% on a debit card. That is unreasonable and foolish on the part of the utility. ACH for paying a utility is just fine. And it's not like dealing with a gym that you give ACH to and you cancel your membership and they just accidentally on purpose, keep taking money out of your checking account. You've got to fight to get back. I think it's A-OK to pay a utility by ACH.
10:49 Speaker 04 But I, again, I use my, I talked about, I have a separate account that I use for Venmo and that, and I also put money in that account if I have to give some of my ACH. David in Texas says, "I'm 36 years old and I started my 401k two years ago with my job and they'll match me 6%. I'm having a hard time choosing pre-tax or Roth. What will benefit me?"
11:14 Speaker 03 Unless you're making a ZIL.
11:16 Speaker 04 What's a ZIL?
11:17 Speaker 03 A ZIL, okay. I gave those numbers before.
11:21 Speaker 04 I know.
11:21 Speaker 03 It was, was it?
11:23 Speaker 04 200 was the cutoff, I think.
11:25 Speaker 03 250 for an individual and like double that for a married couple, maybe even higher for a married couple than double that. You want to do Roth because tax rates are historically way low. We're running these massive budget deficits and at some point, we're going to have to deal with that with an aging population as well. So there's an enormous advantage unless you're an ultra-high income earner for you to do Roth 401k, not traditional. Pay the tax now instead of having a tax bomb later with your 401k being in a traditional
12:09 Speaker 03 instead of a Roth. Nobody I know of, except in the rarest of circumstances, should be doing a traditional IRA anymore. It should all be Roth IRAs. And again, there's a minuscule number of exceptions to that, very, very particular circumstances. Coming up ahead, I'm going to talk about another type of account that you can put money in, but it has an ugly, ugly tax time bomb to it. It's the new Trump accounts. The rules are now clear or more clear with them. I'm going to tell you who benefits, who doesn't, who should
12:54 Speaker 03 put money in and who shouldn't into a Trump account, straight ahead.
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13:12 Speaker 01 Price and participation may vary. Promotion pricing may be lower than meal pricing.
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15:16 Speaker 03 The Trump account that Congress set up and named in honor of the president is an account that for a couple of years newborns will receive a thousand dollars just given to them by the federal government. And parents, you take the thousand dollars if it's given to you and you put it in the Trump account. The Trump accounts were hurriedly drafted by the Congress. They were not well thought out and they have all kinds of tax traps in them. So there are green lights for the Trump account and red lights for it. I'm going to make it
15:59 Speaker 03 that simple. If you work for an employer and there are a number of big companies that are offering to put money in a Trump account, just give it to you, doesn't count against your pay. You have a kid, they'll put the money in the Trump account, matching the thousand the government gives. Take the money. Any circumstance where a company will cede a Trump account and give the money, you take the free money even though the tax implications are beyond lousy. On the other hand, opening a Trump account and funding it yourself without
16:42 Speaker 03 any government money coming to it, any company money coming to it, anything like that, don't do it. Because the tax hit later is so terrible. The accounts are not a good vehicle unless the money is given to you. So that's the red light, green light. You get money from the government, you get money from an employer, you get money from a wealthy individual. There are wealthy individuals, believe it or not, that are funding for certain counties or people,
17:20 Speaker 03 newborns, young kids, that are putting money into them. Take the free money. And then later, when a kid gets to what's considered to be adulthood, age 18, There are some options with it, but basically the tax bill is crummy on these. So free money you take, your hard earned money going in, so do it. Now here's the, here's the crazy thing. You want to put money aside for a kid? Young kid and nobody's giving you money. You take your own money and you put it in a 529 account. And you're saying, wait a minute, I don't know if my kid's going to go to college. I don't care.
18:05 Speaker 03 You put money in a 529 account because there's a wonderful provision in the tax code. 529 account, money grows tax free over the years. And then when used for an eligible education expense, it's spent tax free. So everything that grew is tax free. And a number of states give you a tax deduction or benefit upfront for putting money in a 529 account. Okay. So a kid grows up, decides, I'm not going to college. It's not my thing. I got something else I'm going to do. You are allowed to convert up to $35,000 in that 529 tax free.
18:48 Speaker 03 Transition it to a Roth IRA. So the money will never be taxed. It will ultimately be spent tax free and a kid, instead of starting to think about saving for retirement at whatever age, you started doing it when they were young or a newborn. And you're giving them a huge booster shot either with money for college or money for them way down the road in retirement. All of it tax free. Krista?
19:18 Speaker 04 All right. Jaclyn in North Carolina says, I'm 39 years old and I have a, I have twin four month old boys who are planning to-
19:25 Speaker 03 Oh my goodness, you are busy.
19:27 Speaker 04 I know.
19:28 Speaker 03 You had time to write us?
19:30 Speaker 04 I know, seriously. We are planning to place into private school with our four year old son. To give an idea, kindergarten costs $12,000 a year and it increases from there. There's some funding provided by- The state, but what is the best way for us to save for them to attend without feeling pressure on our finances? My four-year-old has two 529 set up, but my parents said that's for college. We put money into our Roth IRA with work as well as pulled $500 a month into a separate Roth IRA. My husband and I are planning to take that $500 each and put it into something for each baby to save for primary school, but not sure if that should be a 529 or a money market account. For my dad who listens to you all the time.
20:11 Speaker 04 Thank you for any advice you have and shout out to Big John Poppy who shares your advice with us millennials.
20:19 Speaker 03 So you did the big shout out. Hi, Big John Poppy. All right. So you're both right. How about that? I could run for office.
20:28 Speaker 04 I know, seriously.
20:29 Speaker 03 Okay. So the 529 was designed primarily and originally only for paying for college. But you can spend a portion of the 529 and there are specific cap rules. 10,000 is the number most quoted that you can use for private school before college. So if your intention, you can tell your four-month-olds are so bright. They're going to go to college later and they're going to go to private school at some point, K through 12. You can use 529 money for that up to the cap, tax-free.
21:13 Speaker 03 So the answer is a 529 is can't we have both kind of thing? You can put money into it specifically with the earmark towards college. And you can also use dribs and drabs of it over the years to pay for private schooling pre-college. And you can also use it for trade schools and other things like that. So this is one that the 529.
21:41 Speaker 03 Using it for both purposes is okay. And what you could do is you could segregate money where you have a 529 specifically that you're earmarking the money for private school and have another that is specifically for college. They don't have to be used that way, but mental accounting, a lot of times in families, you feel much more comfortable that way.
22:04 Speaker 04 All right. And this one's from Julie in Ohio. A friend recently told me she's having trouble canceling her late parents' cable TV service.
22:13 Speaker 03 Oh, my goodness. How many times have we had this one?
22:16 Speaker 04 I know.
22:17 Speaker 03 What are these cable TV companies doing?
22:20 Speaker 04 I immediately thought this was something Clark Howard could help us solve. Her dad passed away four years ago, and she just realized the cable bill has been automatically withdrawn from her parents' bank account ever since. She's called the company many times, but customer no service won't cancel without an account number or security answers.
22:40 Speaker 03 We're talking $4,000 to $5,000 down the toilet.
22:44 Speaker 04 How can she get the service canceled? And is there any way to recover the money that's been charged?
22:50 Speaker 03 So I got a lot you're not going to like, and then I'm going to give some suggestions. All right. And I don't know what your friend's personality is, how assertive they'll be now that they've discovered this $4,000 or $5,000 is gone. Our experience has been with service providers, when you discover that you're being billed for something you never should have been billed for, is that they will go back and give you only a 60-day credit. The outrage in this case is that no one will lift a finger at customer no service at this cable monster to figure out how to disconnect this bill. That is totally unacceptable. I'm
23:32 Speaker 03 going to give you two routes. Both will work, but one may get you back, get your friend back more of that money. If a local TV station in your friend's area has one of those on your side kind of TV advocates.
23:48 Speaker 04 Consumer reporters, yeah.
23:49 Speaker 03 Consumer reporter that goes after bad people. Cable companies. Anyway, not saying cable companies are bad. They've just been a source of customer no service problems for a long time. And they put this on TV. It will not only get this resolved quickly. It will also likely get back a fair amount of the money that the cable company swiped over the four years. And this is swiping because almost certainly, well, there's no way your dad, her dad could have been watching.
24:22 Speaker 04 That's crazy.
24:23 Speaker 03 TV anyway. I mean, how hard hearted, cold, brutal is that to treat a customer at customer no service? Second thing is you file a complaint at BBB.org. Historically, we've found that both the monopoly local phone companies and the cable monsters have been very responsive to complaints filed with the Better Business Bureau. The third thing is this points out again how key it is to go through bills, particularly if you are taking over someone's estate. I assume that a mom is still living and she's helping out the mom.
25:09 Speaker 03 Because otherwise that account wouldn't still be there four years on for them to debit the money from. So this points out how key it is to look at your credit cards. Say, forget an estate situation. All of us need to look at our bank account statements, credit union statements, credit card statements, all these things, because who knows how many things like this are lurking in all of our lives? Streaming services, we didn't even know we were subscribed to. And we've been paying a month after month. So I just think this is terrible. I want to hear back from you that your friend was able to get this resolved. If not, we'll come up with other ideas.
25:51 Speaker 04 Joe in Kentucky says, "My cat has been diagnosed with diabetes."
25:55 Speaker 03 I didn't know cats got diabetes.
25:57 Speaker 04 "To treat his new lifelong condition, the vet told me he would need medication that costs $125 a month, and to evaluate if the medicine would work, where he'd also need to wear a $100 monitor for the first few weeks. While I do my best..."
26:12 Speaker 03 You mean like an adult, a human wearing a...
26:15 Speaker 04 Yeah, I guess. You know, medicines for pets too. Like, we do a lot of human medicines on pets, human pets, I guess. I'm sure a cat would not like that, though. "While I do my best to be frugal, such as being a fan of Costco fashion, one of my Achilles' heels for spending is my pets. Since Costco is always on my brain for finding a good bargain, when the vet asked me what pharmacy to use for the monitor, I said Costco, and I've never used their pharmacy before. That $100 monitor became $30."
26:44 Speaker 03 No way.
26:45 Speaker 04 "When I needed to renew the prescription for the meds, I decided to try Costco again. The $125 medicine became $83.33 a month. Still pricey, but a savings of $41.67 a month. I just thought the other pet owners in your audience should know of the potential savings through Costco Pharmacy." And I also just switched. My dogs take a Fleamedad that's prescription-only, and it's the only one that they will easily take, and it's so expensive. And I sought at the Costco Pharmacy, so I had my doctor write me a paper prescription, and I dropped it off, because I'm going to save a bunch of money.
27:21 Speaker 03 Well, I hope that the diabetes control goes well. And have I ever told the story about running into our dog's vet at Costco?
27:30 Speaker 04 No.
27:32 Speaker 03 Okay, I'm gonna, I'm sorry. I know we're done with this episode. I gotta share this story, because this is where so many things in my life intersect.
27:39 Speaker 04 It's called The Clark Howard Show. We can be done when you want to be done.
27:43 Speaker 03 Well, but I don't want to bore somebody.
27:45 Speaker 04 Well, they could move on to the next, you know.
27:47 Speaker 03 Okay. So, the vet is there with her two kids, and she says, she points me out and says, you know, that our dogs are patients of hers. And she says, "You're not going to believe this. He named one of the dogs Kirkland Signature, because he loves Costco so much." And so I don't know any of this is going on and I go over and pick up medicine for Kirkland Signature at the Costco pharmacy and I come back by and
28:20 Speaker 04 Is his name on there Kirkland Signature Howard?
28:22 Speaker 03 Kirkland Signature Howard on the med. So
28:26 Speaker 04 They must think it's a joke if they don't know who you are.
28:29 Speaker 03 So I come back by and she stops me and she's wonderful. Fantastic vet. And in fact, my wife says she wants to come back as a dog or cat someday. So she can go to the vet is her medical provider instead of the way human doctor offices work. Anyway, editorial comment there. So, so she says, my kids don't believe that your dog is named Kirkland Signature. And I said, well, I actually just picked up a script. You're not supposed to open the bag of stuff you get at the pharmacy till you pass security at the
29:13 Speaker 03 door. So I violated the rules of Costco wants to handcuff me, take me away. They can't. So I open up the bag and I hand her son the pill bottle and he's reading it and he just starts laughing. He's, I forget what age he was, but he was, he was just, just blown away. And then he hands it to his sister and she's looking and they are trying to decide how crazy is this man who we're talking to. And the deal is Lane gets to have dogs if I get to name them. So anyway, that's my
29:50 Speaker 04 I love it.
29:51 Speaker 03 Kirkland Signature dog story. And yes, we always fill our dogs prescriptions at Costco because they're a tiny fraction of what they are at a veterinary medicine practice. And it's not like they're ripping you off. The services that veterinary practices use. Or hyper retail pharmacies. And so if you fill your pet meds elsewhere, in fact, there's now online sellers of pet meds that way undercut what you'd pay. So if you're not a warehouse club member, you don't like the warehouse club experience, you can still save
30:32 Speaker 03 money for your pets buying from one of the online pharmacies that sell pet meds. And you know what I want our next dog to be named, right?
30:42 Speaker 04 What?
30:43 Speaker 03 Aldi.
30:44 Speaker 04 Oh, that's right. Well, you've gone for that before.
30:46 Speaker 03 And I got outvoted by our own listeners and viewers who voted online to name the dog. Given a choice between Kirkland Signature and Aldi, they picked Kirkland Signature. And we already had the dog tag that said Aldi made, and we had to change the dog's name. I will. Enough.
31:08 Speaker 04 I know what Lane's solution to that is.
31:10 Speaker 03 More dogs.
31:10 Speaker 04 Yes.
31:11 Speaker 03 Yeah, you know, if she could, she'd have 101. She'd be like the movie 101 Dalmatian. She'd have dogs running around everywhere. Anyway, I love our dogs. Two is it worked for Noah at the ark. It works for us as well. My wife doesn't agree. Anyway, have an absolutely great day. And did I just do anything that Clark stinks is going to come my way?
31:41 Speaker 04 Oh, we'll see. We'll see.
31:43 Speaker 03 Okay. If I did say something that you didn't like, Clark.com/ClarkStinks, right, to post away. And have a great rest of your day. I hope it's a wonderful day. And coming up, speaking of Clark stinks, coming up this Friday, we'll have our newest edition of Clark stinks, where you get to hear where I messed up serving you. And what we're about, everything we do, every bit of information we put out there is to empower you with knowledge so you can save more, spend less, and avoid getting ripped off. See you Friday.
32:27 Speaker 00 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.
32:39 Speaker 01 Price and participation may vary. Promotion pricing may be lower than meal pricing.
32:42 Speaker 02 They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go-to restaurants. Or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats. Order now. Terms apply. Product availability varies by region. See app for details.
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