Pod Insights The Clark Howard Podcast 02.18.26 Relocating Overseas / Debt Trap Exit Strategies About this episode FEBRUARY 18 Relocating Overseas / Debt Trap Exit Strategies Some of you listening right now may be living abroad, temporarily or indefinitely. There is an increasing desire to experience life overseas, and some countries are paving the way. Clark discusses relocation incentive programs and other considerations vital to the life changing decision to move abroad. Also - if you have credit card debt, Clark has some strategies to pay it off sooner and keep yourself as debt free as possible moving forward. Moving Abroad: Segment 1 Ask Clark: Segment 2 Credit Card Debt: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Countries That Will Pay You To Move How To Pack a Carry-On the Right Way - Clark Howard What Is an HSA Account and How Does It Work? - Clark Howard What Is an Annuity, and Why Does Clark Think They Stink? Simple Trick To Pay Down Credit Card Debt Quicker Best Balance Transfer Credit Cards: Top Picks for 2026 Debt Archives - Clark Howard How To Get Out of Debt in 7 Steps - Clark Howard Credit Card Debt Consolidation: 3 Paths To Consider, 2 To Avoid These Are the Biggest Scams That Cost Seniors the Most Money CELL PHONES - 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
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1:02 Speaker 02 It's my pleasure 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 can make better financial decisions in your life. Some of you listening right now may be living abroad, right as I'm speaking. Could be temporarily or indefinitely abroad. And there's an increasing desire of Americans to experience life overseas. And there are some countries paving the way for us. I'm going to tell you what you need to know. Later, if you have credit card debt, there's a simple way to help you pay it off sooner.
1:47 Speaker 02 I'm going to remind you of that and then take your questions. So there's an interesting stat that I shared with you recently that roughly 4 million Americans are living overseas. More than 1% of our nation's population now lives elsewhere in the world. And there's been a lot more interest in living overseas and something that I've addressed in the past with retirees. A meaningful percent of people hit retirement and all the money they got is what they're going to get from social security.
2:26 Speaker 02 And so people will move overseas to a place where that social security payment will be enough for them to live on. But I'm not talking about that. I'm talking about people that are in their work cycle of life and they're thinking, hey, you know, I'm kind of bored here. I want to go see what else is out there. And so people will go and work at least for some period of time overseas. There are places where really wanted and there are jobs, if you're in a job, you can work remotely. Why not?
3:10 Speaker 02 If there's someplace you'd enjoy living. And an example I gave years ago was about radiology, where radiology is read overwhelmingly online now. And there are now people who relocate halfway around the world and live elsewhere and do overnight readings of radiology so that radiologists don't have to work the graveyard shift and the stuff's read overseas. Just a simple example. And there are countries, I saw an item in Kiplinger about countries that have programs that if you come down with a special skill, they'll pay you to move there.
3:54 Speaker 02 Chile is one of the countries. Ireland has these special grants for people that'll invest in housing. Italy has special cash incentives if you have special skills. Japan has one that's so wild because Japan has not really been that open to foreigners staying. They love foreigners coming on vacation, but they have a rural grant that if you're willing to avoid the Tokyo Osaka corridor where so much of Japanese population is and you go live in a economically depressed, extremely rural part of Japan, like Western Japan or something like that, they have special subsidies for that.
4:39 Speaker 02 And there's examples after examples about that, that if you want to go do something in a foreign country, just like the incentives I've talked about from time to time in cities in the country, like I've talked about the one that's been ultra successful for the city of Tulsa, Oklahoma. It's gotten a lot of tech people and startup minded people to come there for the economic incentives they offer. So going overseas is certainly not for everybody. But I love the experiences of going everywhere around the globe. I mean, if you've listened or watched me for any period of time, you know how obsessed I am with travel. This is different.
5:20 Speaker 02 This is where you go plant roots somewhere else for a while or for maybe the rest of your working life. One thing though, your experiences as a traveler, as a vacationer, completely different than living somewhere. It's not at all alike. And one other thing, even if a place calls to you and lures you, some places you can move are a lot more expensive than living in the United States. Like as an example, Australia that I mentioned a few minutes ago. Would I love to live in Australia? I think so.
6:02 Speaker 02 Would I want to spend how much it costs to live there? No way.
6:09 Speaker 02 So test ride a place way before you'd ever consider buying real estate there. Krista?
6:19 Speaker 03 And by the way, we have a list at Clark.com of the places offering the incentives. If you want to just check it out.
6:25 Speaker 02 Oh, the international ones?
6:26 Speaker 03 Mm hmm.
6:26 Speaker 02 That's great.
6:27 Speaker 03 Daniel and Georgia wrote into you, Clark, saying, I've been listening to you to say to carry on a bag when flying. On my recent trip to Vegas for work, I did my best to fit everything I needed into a carry on. I was very proud of the sacrifices I made to get everything into my carry on for a five day trip. Much to my surprise, I didn't have a choice. I got to my gate for both flights and was forced to check my bag. I flew Delta out and Southwest back. I wasn't even close to the last boarding groups. Each time, I thought of the horror stories of people not getting their bags for weeks. Fortunately, that didn't happen. What do you do if these airlines misplace our bags in this situation? Do we have extra rights? I'm not a frequent flyer. Is this forced checking bags common?
7:10 Speaker 03 Hopefully, I don't have to fly for a while because I do not share your love for flying.
7:16 Speaker 02 I don't know what to do if I'm not in an airport. What are you supposed to do when you're not in an airport? I do have an obsession with travel and you don't get it. And I get that because a lot of people are like, can't the man just stay in one place? So yes, ever since airlines went to the steadily higher baggage check fees, more and more people who would have checked a bag are now carrying their bags on. And if an airline takes your bag away from you, you don't pay the fees. So it's this dance going on where the reason I do a carry on bag is I don't want to have an airline lose it.
8:02 Speaker 02 I don't want to pay for checking a bag and I want to be able to just walk right off the plane and keep going. Unfortunately. The airlines have created market incentives that everybody's bringing everything to the gate. And by the time you hit, if an airline uses eight boarding groups, by the time they finish boarding the third one, whether the bins are empty or not, they're taking the bags away. Because they don't want to have a delay and pushback from the gate, trying to find a place to put a bag, or taking it at the last minute and stowing it underneath. So what you get now as an infrequent traveler without any status on anybody, is you're not paying
8:47 Speaker 02 for the bag, but it's likely not going to travel with you. Now, the good news, if you're going on a non-stop, and they take the bag from you at the gate, the chances that it goes lost drop to near zero. Because they're taking it right down the stairs, and they're putting it in the belly of the plane. If you're on a connecting flight and they take it on the first one, your odds of your bag going lost are just as bad as they are with everybody else.
9:15 Speaker 03 Have you seen the movie Meet the Parents with Ben Stiller?
9:19 Speaker 02 And they, his bag won't fit in the bin?
9:21 Speaker 03 Well, like first they're calling like all the people.
9:23 Speaker 02 Oh, I've seen that.
9:24 Speaker 03 Like it's like a million groups and then, yeah.
9:26 Speaker 02 I've seen that on YouTube where there's nobody else at the gate. Have you seen the picture of that happening to me early in the era of dreaded basic economy?
9:37 Speaker 03 No.
9:38 Speaker 02 Okay. I wonder, can we post a picture on our show notes?
9:41 Speaker 03 Yeah, if you still have it, okay.
9:42 Speaker 02 I'll see if I still have it. So I was out of town for a Habitat for Humanity build, and I was flying home on, I can't believe I'm telling this wordy story. I'm flying back, and I'm on one of those regional jets, it's just two seats on each side. So I figure, I'll just go for basic, because it was a last minute trip and it saved a lot of money. And they call all the boarding groups, and I'm at this gate on this full flight, and I'm the only one standing there. And I'm worried they're going to close the door. So I go up there, and I said, ma'am, I don't think you've called my boarding group. She said, yes, we've called all groups. I said, well, I'm in basic economy.
10:26 Speaker 02 She said, oh, I'm not used to that yet.
10:30 Speaker 02 I was the only one who was stupid enough to buy basic economy.
10:34 Speaker 03 Cattle, it is time for cattle to come to the gate.
10:37 Speaker 02 Yeah. So she said, yes, you can go onboard. And anyway, that'll be a conversation for a different time. Why you have to really hate yourself to buy a basic economy ticket.
10:51 Speaker 03 Okay. Jeff in Georgia says, if I get a health savings account, can I cash it in after the age of 62 without any tax liabilities? Or do I have to use it only for medical bills, et cetera? I heard that if I invest in a health HSA account, it goes in tax free. And then after 62, I can withdraw all of it tax free.
11:10 Speaker 02 Unfortunately, I'm sorry to tell you, Jeff, that's not a free lunch. If you, 62 is not a key year.
11:19 Speaker 02 At your 65th birthday or later, you can withdraw funds from an HSA, not use them for medical, and you still pay tax, but you don't pay the 10% penalty. If you take money out of an HSA at any point before your 65th birthday and don't use it for medical, you get the double penalty of having to pay 10% right off the top plus ordinary income tax. If on the other hand, at any age, it's used for legitimate medical expenses, you pay no tax.
11:57 Speaker 03 Okay. And David in Ohio says, I know the free dinner or free vacation invitations in the mail are just trying to sell something that benefits the company offering it, not me. But as long as I can steadfastly say no to buying anything, what is the harm of getting a free meal?
12:13 Speaker 02 As long as you know your personality. This is like the one we had the other day about doing a no, no, no plan on furniture. If you know yourself that there's nothing they could say, nothing that they can do, that you're not going to buy the piece of annuity.
12:32 Speaker 03 Time share, vacation club.
12:34 Speaker 02 Whatever.
12:35 Speaker 03 It's gonna sound awesome, whatever it is, because they're good.
12:37 Speaker 02 And, and the, the closers are really good at using guilt, using flattery, using pressure, being threatening, whatever, to try to get you to buy whatever junk it is you got the free meal for. And by the way, most of the meal ones for a really nice restaurant are going to be for hideous, awful, terrible, dirty, rotten, stinking annuities.
13:07 Speaker 03 Even if they use that word, they may use a different word.
13:11 Speaker 02 Yeah, life protection plan.
13:13 Speaker 03 Wealth planning.
13:14 Speaker 02 Yeah. Any of that garbage that these sleaze balls push in these free dinner annuity presentations, if you know you will never fall for it and you want the free meal, go for it.
13:33 Speaker 03 I mean, they would have to be paying me. That's the last thing I'd want to sit through. There is no way. I'd feel nauseous. I wouldn't want to eat my dinner.
13:40 Speaker 02 Oh, see, I, I would love it if I could go surreptitiously to something like that.
13:47 Speaker 03 Oh, my gosh.
13:47 Speaker 02 So I could hear all the crooked, dirty, rotten, scoundrel, dishonest, ugly, hideous sales techniques that the insurance people without a conscience try to destroy people's future financial security by selling annuities to them.
14:07 Speaker 03 I mean, unless you were in disguise, they would be like, security? Right when they saw you, there's no way they would want you sitting there. Because you'd ask all the right questions.
14:16 Speaker 02 All you'd have to do is sit there and you hear the lies, the song, the dance. If somebody's taking you to Ruth's Chris and spending $150 on a meal for you, they're not doing it out of charity. They know they're gonna convert a certain number of people there to an atrocious, hideous, awful.
14:40 Speaker 03 Annuity.
14:40 Speaker 02 Annuity.
14:41 Speaker 03 Not that there's anything wrong with Ruth's Chris. They're wonderful.
14:44 Speaker 02 Yeah. But what, what that pitch is?
14:48 Speaker 02 Is poison to your pocketbook. You know why I pound that so hard? Because the salesperson will try to convince somebody, "Oh, that's not the stuff Clark was talking about." Right, right, right. "This is really good. This is an income protection plan." Yeah. Okay, enough. We're going to talk straight ahead about that credit card debt that has reached a new average high with people, plus the interest rates being so high. I want to talk about strategies. I talked about strategies with credit card debt a while back. We'll talk about something else that we did a test of after I read an article.
15:30 Speaker 02 And let me tell you, I've got a money-saving tip for you that should help, straight ahead.
15:39 Speaker 00 Are you ever shopping online and suddenly a discount that helps you save pops up? It makes your day, sometimes even your week. Want that feeling month after month? Well, new customers who save by switching their home and auto insurance to Progressive save hundreds. Cue your happy dance. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers, not available in all states.
16:06 Speaker 01 The award-winning American Airlines Advantage Program rewards more than travel. It takes your whole life to new heights. Earn miles when you fly, as well as with thousands of your favorite brands, and then redeem those miles for flights, upgrades, and experiences worldwide. Advantage members also enjoy earlier boarding and free high-speed Wi-Fi in-flight. Join for free and start earning towards your next adventure at aa.com/spotify.
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17:50 Speaker 02 So I also work in television news. And there was a story about how if people asked a credit card company that you owed money to for a lower interest rate, that roughly two-thirds of the time, they would offer you something better for a period of time. And so we did that as a TV segment. We call it an investigation. Everything is an investigation. Anyway, and our success rate was almost 75%. And what we did was we took, people had to admit in the TV newsroom, they owed money on a credit card.
18:33 Speaker 02 And we just asked them, call and ask, and almost 75% got a lower rate. Are you going to have the same result as I had read about and as we experimented and found? Maybe not, but you got a good shot. And if you don't ask, you don't get. That if you are a family member or a friend burdened by credit card debt, it does not hurt to ask. You call them up and you say, I see I'm paying 22.6% interest and the interest is really burdening me. Can you cut my interest rate? And they'll say, well, we can do this for that period of time.
19:14 Speaker 02 And although balance transfer offers are not as common as they used to be, they're still out there. There's another tool you can use where you transfer the balance, usually in return for paying 4% of that balance upfront and you will have a, an interest payment holiday typically of 12 to 18 months, where you're able to move the balance and instead of having to service so much interest every month, you're able to have every dollar you pay go towards principal. Here's the thing, the calling up and trying to get a lower interest rate, transferring a balance,
19:56 Speaker 02 any of those things, they only have impact if you change your habits with credit. If you had been of a mindset that you use credit cards as a borrowing system, you accomplish basically nothing if you go advocate for yourself and you negotiate a lower interest rate, or you balance transfer, or you're a brilliant person who instead of suffering bank abuse, you go and open an account at a credit union where the average interest rate on a credit card is half what it is for the average bank credit card interest rate. That's right.
20:40 Speaker 02 Simply by going to a co-op, to a credit union where you're an owner, instead of a customer, you have the potential to cut your credit card interest rate in half. But the goal is not to find a way to pay less interest year after year after year. The purpose of getting to a lower interest rate is to change habits. And instead of paying interest, once you've paid a debt off,
21:12 Speaker 02 You don't then charge up again that you transition in your mind from credit cards being a borrowing instrument to a payment instrument. What do I mean by that? About 40% of people use credit cards just as a way to pay for things. And when the bill comes in, they pay it in full. And let me tell you, if you're paying interest on cards, you're subsidizing me and people like me who pay balances in full. You're paying 20 to 30% interest to subsidize me getting an interest-free loan every month
21:54 Speaker 02 from the credit card where they're giving me the payment holiday for usually a month where interest-free, I just pay that balance in full. I want you to join me on that side of the ledger where you're not paying interest anymore.
22:13 Speaker 03 Okay.
22:14 Speaker 02 Hello, Krista.
22:15 Speaker 03 Hello, Clark. CJ in Alaska says, "This is a story about a new scam I haven't yet heard about. I carefully monitor my 83-year-old mother's emails and credit card."
22:25 Speaker 02 Good for you.
22:26 Speaker 03 Yep. "She recently had a $200 transaction from Apple that I immediately flagged as fraudulent. Credit card canceled. End of story." Right? Wrong. "The scammers followed up with an email from quote-unquote 'Apple' to resolve this claim. I wasn't quick enough to see this. She called the number and the scammers sent an email with a link so that they could take over her computer and quote-unquote 'solve the problem.'" Luckily, I did see this email, deleted it immediately, and FaceTimed her. She was on the phone with the scammers, and I was frantic to get her to hang up on them. She finally did and so did so, and fortunately, they got nothing. "I had a long talk with my mom, and hopefully she understood how bad this could have been. Remain vigilant."
23:09 Speaker 02 I can't thank you enough for taking time to post this, for being the kind of adult child who's there taking care of your mom, CJ, because the crooks look for, why do they attack elderly people so much? Because they may be lonely, they may be having a slow cognitive decline, and they're where the money is. So you gotta be on your guard. And this thing with the phony charges appearing on a bill as something or other, this is common now, and you were able to spot that that was not a legitimate charge for Apple,
23:51 Speaker 02 and you stopped criminals cold that were doing what's known as a reload, where they were trying to take over her computer and then get at all her personal information on it, and you were able to stop that in time. What a great job as a child.
24:08 Speaker 03 Charles in Texas says, "Recent discussions on your show about cellphone plans prompted me to review our family's wireless plan. I was surprised to discover that with a few clicks online and without changing carriers, we were able to move off of a legacy plan and onto a strictly better plan and save about $550 per year."
24:26 Speaker 02 That's awesome.
24:27 Speaker 03 "I had no idea it was even possible to be grandfathered into an inferior plan that costs more than the current offerings, but apparently it's common. Lesson learned, even if you have no intention of switching carriers, it's worth periodically reviewing your existing plan. You may be paying more than necessary simply because you hadn't checked."
24:44 Speaker 02 Okay, so I'll share a personal story. I was with one of my bagel buddies, and he was complaining about his cellphone bill. And I said, "Well, how many lines you have?" It's just him. He was paying $140 a month on a legacy plan he'd been on forever, and now he's on a...
25:03 Speaker 03 Did you choke on your bagel?
25:05 Speaker 02 I did. But now what's he paying a month?
25:08 Speaker 03 Twenty.
25:09 Speaker 02 How did you know it was 20?
25:10 Speaker 03 Because I've done this as well for people who tell me that, and I'm immediately like, "What?"
25:16 Speaker 02 So he's saving one person? He's saving, what's that? I should be able to do the math that quickly. 120. So he's saving like 1,400 bucks a year?
25:27 Speaker 03 That's awesome. Okay, now, too, you mentioned recently your dog naming thing with Lane, and so a couple of people wrote in about your dog names. You asked what your future dog's name should be. Erin in Minnesota says, "On a recent episode, you referenced your dogs being named Costco Wholesale and Kirkland Signature. You posed the question of what your next dog's name should be. I'd like to humbly suggest you go with Buck 50 All Beef, which continues to keep naming in line with your favorite wholesaler."
25:55 Speaker 02 Okay, do I love that as a suggestion? So I should say Costco Wholesale died a long time ago. So our dogs now are Winston Churchill, one of my life heroes, and Kirkland Signature.
26:11 Speaker 03 And Winston Churchill is a girl dog.
26:14 Speaker 02 And we used to have Maggie Thatcher.
26:15 Speaker 03 Yes.
26:16 Speaker 02 Another of my life heroes. Anyway, but Buck 50, I mean, that's just great.
26:23 Speaker 03 And you had a dog named Quick Trip after the convenience store.
26:26 Speaker 02 That's right.
26:27 Speaker 03 Okay, Jan in Georgia says, "Clark, I have a suggestion for your next dog's name. What company puts their fans first? What company is genuinely all about customer experience from before you purchase to after you begin to walk out of their location? What company guarantees the lowest prices in their business arena? I know you're a football guy, but your next dog's name should be Savannah Banana. Would love to hear you read about and discuss how this organization is so totally customers' fans first and is upending the MLB and filling their stadiums."
26:55 Speaker 02 Do you know about the Savannah Bananas?
26:56 Speaker 03 Oh, I do, I very well, yep. They're awesome.
26:59 Speaker 02 Their inspiration, I think, was the Harlem Globetrotters. And they have created an excitement among youth that has not existed around baseball in generations, because night baseball basically killed off young people being interested in the sport because the games were too late at night. And the Savannah Bananas are a marketing behemoth, and they're just so much fun. People, adults, kids, and in between, everybody loves the Savannah Bananas. And that would be a great name for a dog. Except, I met somebody in Florida who already named their dog Savannah.
27:44 Speaker 03 Oh, okay.
27:45 Speaker 02 And I don't know anybody else who's named their dog Kirkland Signature.
27:50 Speaker 03 No. Kirk, Kirk for short.
27:53 Speaker 02 Buck 50? Oh, man.
27:55 Speaker 03 You could call it Buck.
27:56 Speaker 02 Love that.
27:56 Speaker 03 Yeah.
27:57 Speaker 02 All beef hot dog. Kirkland Signature Hot Dog.
28:01 Speaker 03 That'd be a lot to put on the Costco prescriptions, though. Buck 50, all beef. Howard.
28:07 Speaker 02 That would be. We just make it Buck 50.
28:11 Speaker 03 Yeah, just Buck. Buck Howard. I like it. It's a strong name.
28:15 Speaker 02 Hey, by the way, I know I love Costco. I love warehouse clubs. I love Sam's Club. I'm a member of Sam's. I'm a member of BJ's Wholesale. And I just love that structurally, they sell things for so much less than you'd pay otherwise. And so when we were in Hawaii recently, this is so terrible. I mean, I'm like the kid from Kirkland. Cause we booked our hotel packages on, resort packages on Kauai and on Maui at Costco Travel. We went to Costco when we landed on Kauai.
28:53 Speaker 03 Yep.
28:53 Speaker 02 And stocked up.
28:54 Speaker 03 You sent me an immediate selfie at the food court?
28:57 Speaker 02 And we went to Costco when we landed on Maui. When it was time to return the rental cars. Where did we buy gas? Costco Wholesale. But I had to bring back souvenirs. Somebody specifically asked for a very specific University of Hawaii shirt. And so I went to a souvenir store. It was so much money. So what was the last stop I made in Maui before I flew back to the mainland?
29:30 Speaker 03 Costco?
29:30 Speaker 02 Walmart.
29:31 Speaker 03 Oh.
29:32 Speaker 02 They had a huge array of University of Hawaii rainbow shirts.
29:37 Speaker 03 Okay.
29:38 Speaker 02 And I, I got my friend a shirt.
29:40 Speaker 03 Nice.
29:41 Speaker 02 $15. Is that too much?
29:44 Speaker 03 For you.
29:45 Speaker 02 That is.
29:45 Speaker 03 Shocking.
29:46 Speaker 02 That is too much for me. But I couldn't go to a used clothing store and bring somebody a gift of a used University of Hawaii t-shirt, could I?
29:55 Speaker 03 You could.
29:58 Speaker 02 That would be classless. No. It would be. That would not be cool. All right. Well, thank you so much for listening to my gibberish there at the end of today's podcast and YouTube show. Hope you have the best rest of your day and that you do something kind for somebody else. It's said so often, there's not enough kindness in the world. There's so many opportunities to make a difference for someone else. What about volunteering somewhere? Do something that improves your community. Do something to make things better. And our job is to make things better for your wallet.
30:42 Speaker 02 To give you ideas to save more, spend less, and avoid getting ripped off. And I'll see you on Friday.
30:55 Speaker 00 Are you ever shopping online and suddenly a discount that helps you save pops up? It makes your day, sometimes even your week. Want that feeling month after month? Well, new customers who save by switching their home and auto insurance to Progressive save hundreds. Cue your happy dance. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers not available in all states.
31:21 Speaker 04 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.
31:33 Speaker 07 Price and participation may vary. Promotion pricing may be lower than meal pricing.
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