Pod Insights The Clark Howard Podcast 02.13.26 Clark Answers His Critics on Clark Stinks / Job Market Update About this episode Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - Amid the steady parade of layoff announcements Clark offers some perspective on today’s job market, a prediction for the spring hiring season, and strategy for moving forward. Clark Stinks: Segments 1 & 2 Job Market Prediction: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When Is the Best Time To Collect Social Security? - Clark Howard Why Clark Howard Says It Isn't a Good Time To Become a Landlord How to Freeze Your Child's Credit - Clark Howard Do You Get Better Prices on Hotels From Third-Party Sites or by Booking Directly? What Is an ABLE Account? - Clark Howard Best Auto Insurance Companies and Some of the Worst Are Solar Panels Worth it? 3 Things To Consider Clark Howard’s Digital Wallet Strategy Jobs Archives - Clark Howard Clark Howard’s Job Market Prediction in 2026 What to Do When You're Being Harassed About an Old "Zombie Debt" This Device Can Help You Avoid an Annoying Car Rental Fee FasTrak throughout California 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 I'm so glad to welcome you here to 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. It's Friday the 13th. Ooh. Ooh, that means it's time for me to hear how extra scary wrong I've been in today's Clark stinks. Something else that's making Americans uneasy, no joke in matter here. The steady parade drumbeat of layoff announcements from big companies that pound their chests
1:31 Speaker 03 that they're laying people off and their stocks go up after they announce they're laying people off. It's a tough moment in the job market. We're going to talk about that later. But right now it's time to hear where I have failed to serve you well.
1:49 Speaker 04 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.
2:01 Speaker 03 What are you starting with today, Krista?
2:03 Speaker 05 Let's start with Sandra in Wisconsin. "You don't stink, but your social security mindset only calculates raw dollars and cents following a single path. Could you also address the costs of drawing down assets for that income, the fact that you cannot leave social security to your heirs, or the benefits of having that extra money to enjoy during your healthier years? Even those are privileged situations. Age discrimination is real, and not everyone can work until 67 or 70." That's my only social security one I'm putting in today.
2:32 Speaker 03 Out of the hundreds and hundreds.
2:35 Speaker 05 Yeah.
2:36 Speaker 03 So, yes, and not everybody, in fact, clearly almost nobody, follows what I've said like a broken record for decades about waiting till age 70. And people have different circumstances, and they don't want to wait till age 70, or they can't wait till age 70. But if it's a choice you can make, the math shows, especially, we had a post recently pointing out, if you're married, there's a huge advantage waiting till 70.
3:11 Speaker 05 Michael in North Carolina says, "Clark, you keep telling us that investing in real estate is not a good idea. In fact, you stated that you've purged many of your rental properties from your portfolio. However, I purchased some rental property about 12 years ago. Since then, I refinanced the property when rates were really low and obtained a rate of about 3%. The mortgage on the property is around $450, and the house rents for $1,800 a month. With the excellent positive cash flow, I'm able to hire a property company to handle the tenants and day-to-day issues. In addition to the positive cash flow each month, the property has gone up in value. Oh, I haven't even mentioned the tax benefits I'm receiving. It really stinks that you keep telling us about the doom and gloom concerning real
3:54 Speaker 05 estate investments when I am making out like a bandit."
3:57 Speaker 03 So, Michael, this is fantastic. And maybe I've not expressed myself well. What I've said is that right now is not a good time.
4:08 Speaker 03 For people, it's not a, the math doesn't work like it used to. For people to be a landlord buying properties to rent out, except in rare circumstances. Having acquired properties long ago, you have very low carry costs. You're making great returns on it. That's great. That's why I still have two rental properties. Because those properties, the math is compelling. It works for. So it's not that being an owner of investment real estate is a bad idea. It's just right now, it's really hard to acquire properties now and make the math work.
4:53 Speaker 05 Dale in Minnesota says Clark has a double stink.
4:56 Speaker 03 Whoa.
4:56 Speaker 05 He smells like two skunks on a hot, humid summer day that did not make it across the road. Recently, Clark told an emailer that they should freeze their very young child's credit. But months earlier, he told another person not to worry about freezing their kid's credit unless they had a credit card or some type of credit. What gives which one is correct? The second stink is because you've never visited, I believe, North or South Dakota. Out of all the states, how about a staycation in the USA for the 250th anniversary of our great country? Go see some national or state parks in those states. You can slap a solar panel on the roof of your electric vehicle. Should help between charges.
5:34 Speaker 03 Okay. So let me set the record straight. I've been to South Dakota a number of times and I've been to Manitoba at the northern border several times. Have never been to North Dakota, even though once I was nine minutes away. And I thought, well, should I do it just to pick up what would have been my 50th state? And so it's just making fun of me that I've not been. So I've looked again and again about flying up to, as an example, Fargo. And the airlines hate anybody who wants to go to or from North Dakota because it
6:14 Speaker 03 costs more money to fly to North Dakota than it costs to fly to Europe and about the same as flying from the US to Japan. So when there is a deal, I'm gonna go because it gripes at me because western North Dakota is just as beautiful as western South Dakota. I just only know it from pictures and what people have told me because I haven't been yet. So let's go back to the child credit freeze. I don't know what circumstance I said, "Don't do it." What I have said is it's a great idea to freeze a child's credit,
6:55 Speaker 03 but what I've talked about is what a hassle it is to do it because the credit bureaus just don't, in a practical sense, don't want to comply with the law. They put up so many roadblocks to try to prevent parents of minor children from setting up a credit freeze because the amount of documentation they require is ridiculous and the process is a manual one. So it is worth doing because child identity theft is a real thing because criminals know there's a blank slate there and they can do so much harm that your kids don't find out about till they become adults.
7:35 Speaker 05 Okay, Greg in Florida says, "Clark, you talk about using third-party sites for booking hotels, but should include a caveat for overseas bookings. I always book direct in Europe, especially for stays in small towns. The last thing anyone wants is to get to an accommodation and find out there's a problem with the reservation. You'll be immediately told to contact the third party and it can be frustrating. Instead, shop around and ask the direct hotelier to match the deal. Love your positivity."
8:03 Speaker 03 Hey, thank you for that post. And that is a real problem you stated. And not just in Europe, but a number of places outside the United States. There will be small, family-run guest houses and very small hotels, less than 20-room hotels.
8:22 Speaker 03 And the technology they're using to connect to big booking sites is often haphazard. And people can have problems and you, just as you stated, once you've identified a place you want to stay, you can contact them directly and you can just say, hey, I found this rate of so many euros elsewhere. Is that a rate you can provide? And they avoid a lot of expenses and fees through the third parties and then you're booking direct with that family and that's a great idea for you and for them.
9:02 Speaker 05 Andrea in Texas says, love the show and that you're creating awareness for able accounts. You missed one major detail. The Medicaid payback provision requires that if the beneficiary dies, the government gets the money first. So if you put money in, the government may snatch it upon death. A handful of states do not do this, but most do. Many disabled kids and adults use Medicaid. So this payback provision is an important consideration and several people did write in to us about that.
9:28 Speaker 03 Yeah, thank you for pointing that out. Explaining something like able accounts is not the simplest journey I can ever go on. This has come up with all these Clark Stinks posts because I talked about the new provisions that have made able accounts much more available to people with disabilities who first become disabled up to, I think it's age 45 now. So yes, the Medicaid clawback provision is real and true. And so what it means is that if you sacrifice to put money in an able account and a child is also, or an adult with a disability is also qualifying for Medicaid.
10:13 Speaker 03 That the state Medicaid program can choose, if state statute permits, to come and claw money out that you have put into the ABLE account, which the whole purpose of the ABLE account is to allow people to provide for the needs of a disabled person. So it's a pretty mean spirited provision of the law in many states, and I should have pointed that out.
10:39 Speaker 05 Pete in Virginia says, Clark, one of us is substantially maloderously enhanced. Is it you or is it me? You often advise us to shop around for auto and home insurance, which is very time consuming pain in the posterior. I'll avoid this hassle by engaging a local independent agent of high repute. He does all the comparison shopping for me across many more companies than I would consider, and proactively reviews my policies. I'm saving both money and time. Are you a stinker or am I? And then I also want to note Jay wrote in to say that Costco does not have its own auto and home insurance. It refers you to a partner. And then you get a lot of phone calls from different insurers trying to get your business, and that stinks to him.
11:19 Speaker 03 Thank you both for those posts. All right, let's first deal with Pete's post. I love independent insurance agents. They are not as common anymore, but they are people who are very knowledgeable and experienced about auto and homeowners insurance in particular, and they know who the good companies typically are, and who the ones that just run a lot of ads are. And they can potentially find a placement for you that is better for your situation, or cheaper for your situation. And so, yes, independent agents are fantastic. They have a specialized logo that's like a flame of a candle or something, I think.
12:03 Speaker 03 And I really like them. On the Costco thing, you should not be getting spammed with phone calls and hassled for auto and homeowners insurance if you go through the Costco providers. It should only be from them. It should not be people from who knows who insurance company suddenly having a sales lead generated from Costco. And that may be a weird coincidence because Costco is not selling off your information to what are known as lead generators.
12:37 Speaker 05 David in New Jersey, I'm going to basically summarize this, says, "One thing that distinguishes you is the careful way you use language and you don't like to offend people, and you use the phrase 'customer no service' quite a bit." And then David says that "Just like in any field in customer service, there are superstars, duds, and the vast majority of people who try really hard every day to do their job well. Please consider recognizing those workers once in a while who, despite the odds, sometimes actually manage to provide customer yes service."
13:08 Speaker 03 Okay, I love that. And yes, talking about customer no service is painting with a broad brush. It is a plague that many of us experience, and it's not the fault of the people you're talking to at what I call customer no service. It is often that they are not given the authority or tools to solve somebody's problem, and it is a rare company that gives people, and I'll call it customer yes service, gives people the ability to provide customer yes service. And again, what you said is true, too.
13:48 Speaker 03 There's a certain variable depending on the individual who you're lucky or unlucky enough to get on the phone. Okay, so I have something I do.
13:57 Speaker 05 Okay.
13:58 Speaker 03 If I call a company and I can tell from the get-go that, even if I'm angry about something, I keep a pleasant disposition. You got much more with honey than with vinegar. But if I can tell the person on the other end of the phone is hostile, uncaring, whatever, I do something really dishonest. I say, "I'm sorry, I can't hear you. I'm sorry, I can't hear you. I'm going to have to call back."
14:28 Speaker 05 Mm-hmm.
14:29 Speaker 03 And I hang up, and I call back and hope for a better experience the next time.
14:34 Speaker 05 Good one.
14:35 Speaker 03 Happened to me recently with an airline, where I got somebody on the phone who just absolutely was hostile. So I pulled the "I can't hear you" thing, called back, and got a wonderful person the second time.
14:49 Speaker 05 All right, Alex in Georgia says, Clark, I can't take it anymore. You and your solar. It doesn't work. I've been trying to make the numbers work since you started raving about it, and the payoff time is unacceptable. We live in the same state. I can choose a rate plan that gives me electricity at 2.4 cents per kilowatt hour from 11:00 PM to 7:00 AM. I can charge a backup battery for less than a dollar a day to power my home without even the cost of solar panels, which are not cheap to install, by the way. Even cutting out the solar, the payback time is not a no-brainer. Batteries and installation are still really expensive.
15:25 Speaker 03 Okay, thank you for that post. And we do have a clear problem with utility scale solar has never been cheaper. And unfortunately, you and I don't own it. Professionally installed solar at your home, in spite of the fact that panels have dropped by an enormous amount in cost, and the efficiency of panels has gone up at the same time, we're not getting the payback benefit that big corporate installations of solar are getting because it's been a tough business for people to do individually installed solar. That's why I'm so excited about something I talked about last summer, which is something that's happening elsewhere
16:10 Speaker 03 in the world by the millions and millions and millions of panels, which is referred to informally as balcony solar. Utilities are fighting balcony solar tooth and nail. Only Utah has had the courage to stand up to industry lobbyists from the power industry and approve a law allowing balcony solar. Balcony solar is a back-of-the-envelope term for self-installed solar panels that you just plug in. It's amazing. And so, all you're paying is the cost of the panel. And you're able to benefit from solar. The math payback is extraordinary.
16:53 Speaker 03 What we need, because of the power of utility companies at the state level, it's so corrupt. We need a federal law like Germany has and other countries have. It's modeled after what Utah did and allow for self-installed solar panels. The technology is so sophisticated now that it absolutely works. But you're right, there's a math problem right now with professionally installed solar for the home.
17:23 Speaker 05 Micah from Maine wrote in, I'm going to summarize this one too. But the beginning says, perhaps you need to use a better soap than what you're getting at $1.25 tree. And you've for years talked about one-time use numbers for for online purchases with credit cards. And Micah has a lot of credit cards that he uses responsibly. And when he calls them, only Capital One offers a single-use credit card number and it's only available through their app. And the other card companies say that you really need to use Apple Pay or Google Wallet to get. It's often actually called virtual credit card numbers.
17:55 Speaker 03 Right.
17:55 Speaker 05 And so if you're going to talk about this, please explain how to do so in great detail.
18:00 Speaker 03 Yeah, so more and more card companies do offer one-time use cards. Obviously, in the math lottery, yours aren't coming up. You mentioned Discover, you didn't read that.
18:12 Speaker 05 I didn't read the list.
18:13 Speaker 03 But I saw this because I look at the post and Discover ironically enough is owned by Capital One. So I didn't know that Discover wasn't offering the one-time use. But for regular transactions, I'm an Android guy. I use Google Wallet 100% of the time. And then every transaction is sent with a method that prevents, even if the merchant's credit card terminal has been compromised, there's no risk using Apple Pay or Google Wallet. So I really strongly recommend, because it's such a hassle to have to go to the credit card company's app
18:58 Speaker 03 and get the one-time use code and all that. It's much better when you do that. Now, on my computer.
19:06 Speaker 03 I use a Chromebook. I can't speak for how it works on Apple. But on my Chromebook, my Google Wallet gives me the option, if I'm paying for something online, to generate a one-time-use card for any of the cards I have, it appears. So this is something where Apple and Google have really lapped the banking business. Banks tend to be a little slow in moving forward with things, but we're pretty much all universally using either Apple's world or Google's world, and both of them offer us a safe way to process payments by credit card.
19:48 Speaker 05 All right. I think that's it for today's Clark Stinks.
19:50 Speaker 03 That's it? I talked too much?
19:52 Speaker 05 It's okay. We've got more next week.
19:54 Speaker 03 Sorry, I talked too much. Okay. That can be a Clark Stinks, that I run too much at the mouth. Coming up ahead, I want to talk about the job picture in the United States. And there's some trouble right now, obviously, if you're listening or you're watching and you've lost your job, you know the job market is troubled right now. I'll talk about how this is going to play out.
20:20 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.
20:32 Speaker 01 Price and participation may vary. Promotion pricing may be lower than meal pricing.
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22:35 Speaker 03 I mentioned at the top of this podcast how annoyed I am by the way companies operate now, that they make it seem like the most exciting announcement they could ever make. Better than new and improved detergent. Hey, we're gonna lay off 15,000 people. Isn't that exciting? I mean, my goodness. What happened to humanity in corporate America? That they make it a big, big, exciting deal that they're laying off tens of thousands of people. And then they do this because investors think, oh, wow.
23:18 Speaker 03 Amazon's laying off so many tens of thousands of people. Or UPS laying off 30,000 people. And company after company laying off so many tens of thousands of people. What Wall Street does is they think, oh, wow. So that's gonna accrue to earnings and it's gonna lead to so many more cents profit per share. The shares are now worth more and the stock goes up. And so that's the game that publicly traded corporate America plays. And it's brutal for those workers, obviously. Most layoffs, though, happen quietly. They may be at smaller publicly traded companies or at privately held.
24:04 Speaker 03 And we make no mistake about it. We've been in a cycle of economic uncertainty over the last year. Companies are kind of frozen. They're afraid of a lot of initiatives right now. And that's why the job market has stalled out. Because companies can't really gauge what's happening with the rules of owning a business. And what's going to happen with trade? What's going to happen with tariffs? What's going to happen from AI, which is not a political factor? But all these things, what happens is that business leaders lose confidence
24:48 Speaker 03 in what their economic projections are for their company looking forward. So they become afraid to hire or do something worse. They start laying off significant numbers of people. So this is a rough cycle. But because of something I talked about the other day, the extreme deficit spending in the United States and the tax cuts that are going to make refunds larger. Companies are going to feel the economy going up at least half a gear. And my guess, and this is only a guess,
25:30 Speaker 03 is that we'll see more economic activity and more hiring as we look in late spring.
25:38 Speaker 03 That the job market will become not such a negative as it is now and will become more positive. The other thing, let's forget immediately and let's look longer term. The job market never stops rotating. It never stops changing. But something that I've beaten a dead horse about several times is that there are so many job categories right now that we're way short of workers, that there is job security out there for the taking if you can find something that interests you, that you think is going
26:23 Speaker 03 to be a good prospect. My middle child is going back to school to work in occupational therapy, a field that there's a need with an aging population and any of a number of things. She's very interested in it, having worked for years with people with autism. And she wants to do OT with autistic individuals. So she found something that she's really interested in and she loves doing and there's a need for, but it required her to both work and go back to school. And there are many, many fields like that.
27:06 Speaker 03 We've got different lists on Clark.com of jobs that are in demand. And I'm going to repeat something. People are really beating themselves up doing online applications for jobs where you don't know anybody at those companies. I mean, all those companies do is reject you, either with a human, but more often some kind of automated tool, sending you a rejection letter, never really looking at your submission for application. And that is so debilitating for your self-confidence, your self-esteem, even maintaining the ability
27:46 Speaker 03 to not get depressed, to maintain a positive outlook becomes so hard when you get one rejection after another after another. Know that your time is much better spent working your contacts, friends, family, former work colleagues, people at your church.
28:05 Speaker 03 Anything you do, your kids go to school activities, whatever, the people you know, people hire people and people who know you to be the kind of person they think, hey, that would be a great person to do, blah, blah, blah. You've got to market yourself to people, not to a laptop. And yes, I don't know I'm going to be right about late spring with a little bit of thawing in the job market, but looking at economic factors, I believe it to be true.
28:39 Speaker 05 All right, we'll go to questions. This is from Mark in California. The other day, out of the blue, I got an email from a company who apparently is a debt collector. The information about the debt with them for $160 is not an account or debt that I've ever had with them. Do I need to dispute this debt or just ignore and delete this email? I've never received a physical piece of mail about this debt either.
29:03 Speaker 03 Okay, so they have to, if they contact you by phone, they have to send you a written statement of the debt within five days. They've only just sent an email. This collector is one I'm familiar with because what they promote to people at organizations owed money is that they have a cheaper way to collect debts using email rather than having humans on the phone. So yes, you do need to respond. In that email, and they're a legitimate collector, there will be, it'll state on there, if you dispute the validity of this debt, do blah,
29:43 Speaker 03 blah, blah. Do it. Because if you fail, you know, a lie unchallenged becomes the truth in 24 hours, is an old political expression. The reality is that if you do not dispute the validity of a debt, it's considered to be valid. It can go on your credit report, trash your credit for years to come. That's why you need to dispute it. You say it is not your debt and send that back. They probably want it electronically, since that's how they contacted you, and keep a record that you did in fact dispute on a timely basis.
30:23 Speaker 05 Will in South Carolina says, "We'll be traveling to California in April and some of the roads have toll charges. We will have a rental car. What's the best way to deal with the toll charges when we are not frequent toll road users and don't have transponders?"
30:37 Speaker 03 Okay, what a pain this is. And car rental agencies, as we've had complaint after complaint for how many years? Ten?
30:45 Speaker 05 Oh gosh, yeah.
30:46 Speaker 03 Are using this as a big profit center where they rip you off on the tolls and charge you a daily fee and then they charge you more than the tolls would be and all that. And you can end up with these huge surprise bills that show up on your credit card. So we don't have one national toll reader yet. California, being the seventh largest economy in the world, or whatever, so many people there, has its own toll thing called Fast Track. And they even, on their website, I go to California a lot, since my middle child lives there, and Fast Track sells a portable toll reader that is designed
31:31 Speaker 03 for people who drive different cars, they want to move it car to car, or has a rental car. Now, it's really important, just as I've talked about before with the one for the 18 states in the Midwest and the East, that you can buy, you have to put in the tag or plate number of the rental car when you get in it, and then it will address to that Fast Track device. And then, when the rental's over, you have to remember to remove that plate or tag number, or when other people rent that vehicle, you're the one who's going
32:12 Speaker 03 to be billed for their use. But that's how you avoid the ripoff charges from the car rental agency. One trip in April to California, you don't normally go to California, gosh, I guess you could... Figure out if you just pay the ripoff fee to the car rental agency for the tolls, or is it worth the hassle because it doesn't cost really any meaningful amount of money to get one of the Fast Track portable devices from the state toll authority in California. And you just have it and any future trips, you already have it.
32:54 Speaker 03 But again, don't forget to add that plate number and then remove that plate number when you're done.
33:02 Speaker 05 Sue in Wisconsin says, I purchased an electric Range in July of 2020. Now the metal on the Range's door is peeling. I contacted the customer service and they stated this is cosmetic wear and tear. They did say I could buy some paint and paint it. Of course, this is not covered under the 10-year warranty. To me, this is a defect. Is there anything that I can do or is it just a case of too bad, so sad? Thanks, Clark. You and your team are the best.
33:27 Speaker 03 Well, this is not best. Thank you for the compliment, but this is something that is, as best I know, universal with manufacturers of kitchen and washers and dryers and all that. The warranty you have does not cover the exterior surface of the appliance. If there's any appliance company that does cover the exterior surface, I've never heard of it. This is one that I've had complaints about for decades. And so that impressive 10-year warranty you have will almost certainly say in the language
34:07 Speaker 03 of it that any exterior finish problems, or however they would word it, are considered to be wear and tear and are not covered by this warranty. I wish I had a better answer. And if anybody has had this experience before and figured out a way to get the manufacturer to cover a failure of the exterior finish, I hope you'll share that with us. But as best I know, Sue, that is standard operating procedure. Wish I had a better answer. And I want to thank you so much for joining us on this Friday, the 13th.
34:51 Speaker 03 I hope today turns out to be on balance, a very lucky day for you, or at least not unlucky. I am not a superstitious kind of person. I'm actually someone who would be happy to live on a 13th floor, although you can't find one. But 14th floor is the 13th floor. But anyway, I hope that today is great. And I look forward to being able to serve you on our podcast on Monday. And that you do enjoy this holiday weekend for President's Day.
35:30 Speaker 03 And that you do something really fun over the course of this weekend, especially if you have Monday off. We will have-
35:38 Speaker 05 And it's Valentine's Day.
35:40 Speaker 03 Oh, oh my goodness.
35:42 Speaker 05 Hello.
35:42 Speaker 03 I am in so much trouble.
35:45 Speaker 03 So I bought four gifts for Lane for Valentine's Day a month ago.
35:51 Speaker 05 Of course you did.
35:53 Speaker 03 And you know what's so funny? I can't remember where I hid them.
35:56 Speaker 05 Oh my gosh.
35:58 Speaker 03 It's so typical of me.
36:01 Speaker 03 I am so flaky. Happy Valentine's Day too. Remember my rule? Go, if you're gonna go to eat dinner somewhere, go tonight or go Sunday night. Don't go tomorrow night, because that's when they have those special menus for Valentine's Day with much higher prices. And I don't want you to pay those. And service usually isn't as good because restaurants are so busy on Valentine's Day night. Is that unromantic to say that?
36:32 Speaker 05 Have a nice home-cooked meal together. Spend time together on Valentine's Day.
36:38 Speaker 03 Okay, so I'm trying once a week to cook our dinner.
36:43 Speaker 05 Nice.
36:44 Speaker 03 I am the worst cook ever. But I was, you know, during, when we were locked down that first initial period in COVID, I was doing a fair amount of cooking. I never got to where I could cook well. And I think it's because it's just something I'm not that interested in.
37:01 Speaker 05 There you go. You don't, I mean, you know.
37:03 Speaker 03 Wait, don't give me a hall pass.
37:05 Speaker 05 Well, you go and pick up food to save money on delivery, so you could do that.
37:10 Speaker 03 Okay. All right. We'll see. Enough, enough, enough. But anyway, I hope that something this week you heard or saw from us empowered you in one of our websites, our newsletters, our social media. If you watch me in a TV market I'm on or a radio market, you hear me. I hope that something empowered you so that you can do what we're all about. Learn ways to save more, spend less, and avoid getting ripped off. And I'll see you on President's Day.
37:47 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.
37:59 Speaker 01 Price and participation may vary. Promotion pricing may be lower than meal pricing.
38:02 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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