Pod Insights The Clark Howard Podcast 03.06.26 Clark Answers His Critics on Clark Stinks / Renovation Reprise About this episode Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - if you have been considering doing a renovation or adding an ADU to your home - is now the right time? There’s been a general shift in the market. Clark Stinks: Segments 1 & 2 Home Improvement: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a Solo 401(k) and How Does It Work? - Clark Howard What Is an HSA Account and How Does It Work? - Clark Howard HSA vs FSA: What's the Difference? - Clark Howard Is Now a Good Time To Refinance Your Mortgage? - Clark Howard Clark Howard's Special Rule for Refinancing Your Mortgage Why Now Is the Best Time in Years for a Home Renovation [The WP] Your backyard could be a home. Here’s how to build one. 16 of the Best High-Yield Online Savings Accounts High-Yield Savings Account (HYSA) Calculator - Clark Howard Is Your Home Underinsured? - Clark Howard Homeowners Insurance Archives - Clark Howard Clark.com resources: Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 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 Host Thanksgiving with industry-leading quality standards from Whole Foods Market. There are no antibiotics in their meat department, ever, so carve up turkey and spiral cut ham with peace of mind. Shop organic sides like stuffing mix and cranberry sauce from 365 brand. And guess what? All their delectable pies are made with no high fructose corn syrup. Gourmet Thanksgiving flavors with the quality you want, only at Whole Foods Market.
0:48 Speaker 03 It's my pleasure to welcome you to the Clark Howard Show. You know, this show is about you. Our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. I hope one of the decisions you'll make is to be a subscriber to our newsletters. I am so proud of the content, Krista. Our team puts together- Me too. ...in our newsletters at clark.com/newsletters. Our newsletters are free, easy to subscribe to, and unlike the rest of the world, easy to unsubscribe to if you decide they're not for you. But I'd be surprised.
1:32 Speaker 03 Today is my weekly opportunity for personal improvement and growth in our Clark Stinks segment. Later, if you've been considering doing a renovation or adding an accessory dwelling unit, ADU, to your home, is now the right time? We'll talk about that. But without further ado, it's time for Clark Stinks.
2:00 Speaker 04 I should have never encouraged you to speak. 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.
2:12 Speaker 05 All right, two on this one. James in California says, "I love Clark, but feel he could have done better answering the question where the writer complained about a server not having exact change for them. I was a server for many years and no server will ever carry exact change since it's assumed there will be a tip added to the bill. There must be a tip added. The system automatically takes a percentage of a server's sales, typically 3%, to give to the back of the House staff. That means if someone does not tip, I as the server paid 3% to serve them. Yes, that also means a 20% tip is actually 17% to the server. This person writing in needs to completely change their demeanor towards this, and if they cannot afford to tip, do not eat out. You're forcing someone to pay to serve you."
2:57 Speaker 05 And then another perspective from Susan in California who says, "Hi Clark, you really don't stink at all. This is in response to the person who had their restaurant bill rounded up when paying cash. This is actually theft. They should report this to their district attorney's consumer fraud unit or to the state attorney general. I know restaurants have gotten into trouble for this tactic in the past."
3:16 Speaker 03 I appreciate both of those posts. Have you ever noticed, all through the years, whenever anything comes up about tipping, how fired up people get?
3:25 Speaker 05 Mm-hmm. Okay, this one's from Mike in Florida. "On solo 401ks, be aware that accounts at big brokers often lack thorough 401k plan setup documents. That can be a problem depending on the size of the small business owner's account. A third-party plan administrator may be needed to ensure compliance."
3:44 Speaker 03 Okay, can I say on that, that should not be happening now. There are what are known as prototypes that are blanket plans that have been approved by the federal regulators and are good for anyone who goes to that firm for a solo or self-employed 401k. What you're talking about was a problem in the past, but the reason I got excited about the availability now of solo or self-employed 401ks is the problem you're talking about should be very, very rare now.
4:23 Speaker 03 But if you go to my favorite children, you know, for your solo or self-employed 401k, this shouldn't be a problem at all. Should I say who my favorite children are?
4:36 Speaker 05 Sure, go for it.
4:37 Speaker 03 Vanguard, Schwab, Fidelity. And don't forget Betterment and Wealthfront is options too.
4:43 Speaker 05 Gluck in North Carolina says Clark stinks with the stench of lying by omission. A 50 something year old couple asked if they could retire before age 65 if their mortgage and kids' school loans were paid off. The question was, how do you get health care? Clark answered, it's not good right now, maybe in six years. The Affordable Care Act is the correct answer. If you can keep your adjusted gross income under $84,000, health care is quite reasonable. Clark missed the perfect opportunity to push his beloved Roth IRA. I'm in a group of retired engineers in our early 60s and the Affordable Care Act makes it possible. In fact, I'm a type 1 diabetic and I get special diabetes plan, which I've never had before.
5:24 Speaker 05 My wife and I went from $1,900 per month to $577 per month with better coverage. Please add this information to your incomplete answer.
5:33 Speaker 03 Thank you for that. Okay, so if you remember, there was the big fuss with the government shutdown about the subsidies on ACA plans, individual plans purchased on the healthcare exchange. So that was never resolved. So a large number of people, millions of people, who qualified for subsidies no longer do. But there are still subsidies as long as you meet the requirements of tightly controlling your income and the rules are more favorable generally to married couples.
6:12 Speaker 03 And so this is, as you pointed out in your post, Gluck, is one of the enormous advantages of a Roth IRA in early retirement before age 65, is that that doesn't generate additional income that would take you outside the band of qualifying for a subsidy on your health care premiums.
6:39 Speaker 05 All right. Ed in Oklahoma sent this one in, a minor PU. You told someone on the podcast never to go for the 0% interest deals on purchases. This is because they can have a very minor balance at the end of the term that would trigger interest from the beginning. But what if you set up automatic payments from an account and for good measure, make the payments say $1 more than the required amount? Wouldn't that be safe?
7:03 Speaker 03 So let's talk safe, Ed. To me, how you make it safe, let's say you get one year same as cash or 18 months same as cash. Build in a two-month buffer where you get it paid off and yeah, you're giving up two months of 0%, but then there's no question that you've gotten it paid off at the 0% and are not going to get hit with the ugly retroactive interest to day one. And know this, the in-house lenders that companies contract with all do a trick. So let's say your one year ends March of next year.
7:47 Speaker 03 They will say your payments due on a date in March that's after, even one day after the anniversary of your 0%, just so they can trick you into having to pay interest all the way back to day one at most often around 35%. So know the exact contract language of when the 0% must be fully paid off. So you don't get that ugly bill shock.
8:18 Speaker 05 My rule of thumb, if I ever do it, is you have to pay it off in half the time.
8:21 Speaker 03 Half.
8:22 Speaker 05 Yeah, you could do 10 months out of 12, I guess, but that way you're, there's never a question.
8:26 Speaker 03 If you build in two months, a lot would have to go wrong for you to get burned.
8:31 Speaker 05 True. Jim in Oklahoma says, "You're smelling like a diaper left on a Kmart parking lot." Ugh.
8:37 Speaker 03 There are no more Kmarts here anymore.
8:39 Speaker 05 Actually, you're looking good to me. Clark, you talked about your dog eating things. Our dog Sam, while on a walk, ate a piece of meat on a skewer. I saw him swallow it whole. I called our vet and we decided to give him some hydrogen peroxide to make him throw up and he managed to spew the whole thing out whole. It was six inches long with a sharp point. Surgery averted.
8:59 Speaker 03 No way.
8:59 Speaker 05 Yeah, but just waiting until the next episode. He has cost us the price of a new Yugo. Clark, you gave great advice on starting a 529. We started one for our grandkids. It was invested right in doing great. Just thought I'd throw that fun one in, in the middle.
9:11 Speaker 03 Yeah, since this dog has not been through what our dog Winston's been through.
9:18 Speaker 03 Eating grill wipes, ending up in the hospital, eating cooking cocoa, four days in the hospital. What else did Winston do?
9:27 Speaker 05 She's a daredevil. A pill, didn't she get into some pills?
9:30 Speaker 03 Oh, no, no. She ate an entire bunch of tulips, including the stems. There was no trace that there had been tulips there. And tulips are poisonous to dogs. So three times.
9:42 Speaker 05 And she's tiny.
9:44 Speaker 03 Yeah, nine pound monster. Such a sweet dog. And has made it to 10 and a half.
9:49 Speaker 05 Oh, good for her. She tried not to.
9:53 Speaker 05 Phil in Connecticut says, Clark, I've been listening to you at least for 30 years. Thanks for all the information you've helped me and others with over these years. On your show, a listener asked if you can take out money taxed free in his 60s. You basically said not unless it's spent on medical expenses. And I think this is from an HSA. Yes, absolutely true. However, you didn't mention that it didn't have to be medical expenses from the current year. He can track his expenses over many years and then take the money out after letting it build up in the HSA. I know you've mentioned this before, but it was a clear omission in this case.
10:24 Speaker 03 All right, this is, this is so ironic and timely. I was on, this is not the unusual part. I was on an airplane flight and a flight attendant asked me for advice about her HSA because she's been building it up through the years. And she said, well, I thought you said that I could keep receipts and claim much later in life, but my financial person said, no, I had to use the money in the current year. And I said, well, your financial person probably was confusing FSAs and HSAs. But it is true. And what I said to her is what I've said before on the podcast. You want to not
11:05 Speaker 03 only keep the physical records of your medical bills, but you also want to digitize them. Because as you move over the years and things like that, you could lose the physical records, but hopefully you've maintained the backup digital and you can make that claim decades later and pull against the HSA.
11:28 Speaker 05 John in North Carolina says, Clark, you stink like onions that gave up on life. Not really. We love you. You say not to obsess about having a credit score above 800 and that 760 is enough for everything. I just took out a mortgage with my 790 FICO and I paid 6.55%. If I had an 800 or above, it would have been 6.5%. Not a lot, but it could add up if I need to keep the 30-year loan for an extended period past the five-year prepay. It does matter, so please stop saying that 760 or above will suffice in all situations.
12:00 Speaker 03 Okay, I will do the annex and say that there are rare circumstances and what you pointed out is something I've not heard before, is that a mortgage company shaved five basis points off your rate by having a score 20 points higher than your, no, 10 points higher than your extremely high score. I'd say that that is unusual and I think it still remains okay for me to say, depending on the lender, 760 or 780 qualifies you in almost all cases
12:42 Speaker 03 for the very best preferential loan rates. And I have not mentioned, and we talked about doing it on an upcoming podcast, but this question makes me want to say it, and that is the opportunity that exists right now to refi loans is mortgage rates have fallen a great deal recently. And so if you took out a loan at their peak at seven point something, you have an opportunity now potentially to refi even into a new 30-year loan at a rate low enough that makes it worth it.
13:18 Speaker 05 Andrew in Idaho, and I'm going to read another one from Bob in Oregon about the same topic. Andrew says, "I don't think you stink because I respect your advice a lot. However, you made a recent statement about visiting Australia versus living there. My wife and I spend four to six months each year living in Australia."
13:34 Speaker 03 Lucky.
13:35 Speaker 05 "If you shop in the tourist areas, yes, things cost a lot, but that's not the same anywhere. However, you act like a local and you go to where the locals shop and it's no more expensive than living here. Some items are more, some are actually less. Cars are no more expensive than here. And yes, things like washing machines and some appliances are more expensive. Electricity is expensive compared to at least Idaho. And houses are expensive, but our US dollar goes a long way these days, too. So you're wrong concerning that statement. Have you ever lived there? I assume not because you wouldn't be saying what you said if you have." And then Bob in Oregon says, "Clark stinks like a week-old kangaroo roadkill on a highway in the Australian outback. He tells his listeners that Australia is his favorite country and
14:16 Speaker 05 does not go into detail as to why. As any of his listeners know, Clark is extremely well-traveled, so this really piqued my interest. Come on, Clark, we deserve at least a 30-second explanation on why."
14:28 Speaker 03 Okay. Every time I leave Australia, my heart aches. I love it there so much. I've been, I guess, about half a dozen times and it's not enough. And the amount of time I spend when I go, not enough. There's something about the vibe there that is incredible. I've traveled, never traveled in the western part of Australia, but in eastern Australia, I've been to all the big metro areas and I adore Sydney. I would love to live in Sydney. And it's the most livable, friendly, wonderful, beautiful, big metro and safe metro area
15:13 Speaker 03 just about anywhere. And so that's it. But everywhere I've been in Australia, I've really enjoyed. So for anybody from Melbourne, I don't want Melbourne, as they say, I don't want you to hate me because, you know, this rivalry between the two cities. Sorry, but for me, Sydney's got me. And I just want to go right now.
15:38 Speaker 03 Well, I want to thank you for all your posts on Clark stinks today. It's how I learn and we all learn from each other and always remembering we got two ears, one mouth. And a lot of times we use our mouths more than our ears. And so this is really helpful to me to see where advice or information I've given is incomplete, wrong, dumb, or I missed something that would change my answer to someone who asked a question. So please take the time to post. It helps so very much. And coming up ahead, the Reno
16:23 Speaker 03 market, there's a change in the air. I want you to know about if there's something you've put off doing at your home.
16:33 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.
16:45 Speaker 01 Price and participation may vary. Promotion pricing may be lower than meal pricing.
16:48 Speaker 02 Hosts Thanksgiving with industry leading quality standards from Whole Foods Market. There are no antibiotics in their meat department ever. So carve up turkey and spiral cut ham with peace of mind. Shop organic sides like stuffing mix and cranberry sauce from 365 brand. And guess what? All their delectable pies are made with no high fructose corn syrup. Gourmet Thanksgiving flavors with the quality you want, only at Whole Foods Market.
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18:48 Speaker 03 Home Depot recently reported that their sales were flat. A company that's always looked at as a growth company. Not right now. And the psychology has changed for the home improvement industry. So here's where this affects you. Because the number of people buying homes right now has declined so much as the housing market has been frozen. And I think this year is going to be a little better in the housing market. I think it's going to thaw a little bit.
19:27 Speaker 03 But it's already a situation where the number of homes changing hands has been historically low for several years. And what that means is when people buy a new to them home, that's when they go out and they do things. They'll say, okay, I want to change out the kitchen in the home we just bought. Or I want to fix this bathroom. Or I want to add a new deck on the back. Whatever it is. So a lot of the spending and a lot of the work that goes on with home additions, renovations, improvements, happens at ownership change time.
20:10 Speaker 03 So right now, the market is really soft in home improvement.
20:17 Speaker 03 So this is the first opportunity I've seen in several years where you might actually call a contractor and the contractor returns your phone call. You call a contractor, make an appointment, and they show up. And contractors went through years where they had so much work that they might not respond, or if they did quote your job, they'd quote at a really high price where the markup would be so much that it was really worth their time. Well,
20:54 Speaker 03 right now, a lot of them have more time than clients. So the market has shifted. It doesn't mean everywhere you're going to find a deal, but it's become more rational and reasonable if you're going to do an improvement, repair, addition to your home. There's also a time where the opportunity for you to add an ADU, an accessory dwelling unit, which is like a cottage you add on your own land, becomes a better opportunity. First of all, there's
21:33 Speaker 03 more players in the ADU business, a lot doing full prefab or modified prefabs that are quicker to get done, cheaper to put in. And the beauty of a cottage on your own property, or as it's now called, an ADU, is that if you're looking for additional income in your life, and zoning permits, an ADU where you live, putting one in, you already own the land. And you're able to generate income at a very low cost. You know, I've talked about why it's so hard to make rental property purchases pay off right now.
22:20 Speaker 03 But an ADU is an exception to that because again, the land is already there. And particularly if you find a prefab that you like, you are able to do it much more speedily and at a lower cost. So this is a shift that I'm noting in the marketplace. Let me emphasize again, this is not everywhere, every community, every sub real estate market, but the general trend with renovations, additions, improvements to a home has turned in favor of homeowners for the first time in a long, long time. Krista?
23:00 Speaker 05 Okay, going to questions. Patrick in New York sent this one in. Where's the best place to save money for a large home improvement cost? Our windows and deck will need to be replaced sooner than, rather than later, within five years, and we would like to start bucketing money for the cost. My default move is to just add a new account with our online high-yield savings bank, but not sure if that's too conservative. How does one have a delicious home improvement birthday cake and eat it too?
23:27 Speaker 03 Yeah, so five years or less, your instinct, Patrick, is 100% right. You cannot invest money safely in a less than five-year window. That is money that is just saved. So your only job is to shop around for the best rates you can find on savings. And by the way, I don't emphasize enough that often you're going to get a better deal through a broker place CD or savings account than you're going to find with a high-yield savings account. This is a case where you could consider a combination of CDs, a ladder.
24:11 Speaker 03 Instead of a high yield savings account or a combination of the two. So what's a broker place CD? Discount brokers have a service where they get a little commission from various banks and potentially credit unions around the country for placing funds that their customers have. And often going through the wholesale side into a bank earns you a higher savings rate than you earn from the retail side because the paperwork's handled by the discount broker. So there's not as much expense managing your account in that case as there is otherwise.
24:53 Speaker 03 And the power of the discount brokers gets you often better offers on your savings, particularly on CDs.
25:02 Speaker 05 I think this is an important one for all homeowners to hear. Steven in Ohio says, "We purchased our dream home for $500,000 two years ago and quickly set up our homeowners insurance. Like many other places, the housing market continues to sharply rise. I'm wondering if a total loss like a fire were to occur, would our insurance be enough to cover the cost to rebuild with all the extras that currently exist? How do I know what the expected rebuild cost would be and if I'm properly insured to cover it?"
25:30 Speaker 03 Okay, Steven, what a great question. And when I answer this question, which I get probably three times a year, every time after I have people really mad at me who are homeowners, because as much as insurance premiums have gone up on homeowners insurance over the years, the reality is a lot of us are frightfully underinsured on our homes because an insurer is not necessarily stepping up the coverage limits when they're hitting you with those increases. And your policy almost certainly is not going to cover the full cost of rebuild.
26:12 Speaker 03 Here's what I'd like you to do is, and the language will change from insurer to insurer and a little bit from state to state, but what you do is you see what homes around you cost to buy now. And you want to make sure that your home is insured up to that level. And then you want to make sure that you have an actual replacement cost clause in your homeowner's insurance.
26:41 Speaker 03 Because if you don't have that, let's say you increase the amount of coverage on your home, but the cost of repairing after a fire or something like that, it's going to cost more per square foot than what the square footage cost is of buying your home. So you want to have in it actual replacement cost, which means the insurer replaces based on any changes in the building codes, any increase in the cost of materials, labor, the rest. So you're not left partially underinsured and you're having to come out of pocket with money to make yourself whole again, instead of the insurer doing it. And Krista, you suffered so much at your home.
27:26 Speaker 05 My old home, yeah.
27:27 Speaker 03 Yeah, back, gosh, it's now 17 years ago, when you had an insurance claim and it outstripped your insurance. And that was quite a burden. And you're all over this question.
27:41 Speaker 05 Oh, yeah. I think it's important. I need to think about it, too. I'm thinking of having a builder look at my house and say, what would it really cost?
27:47 Speaker 03 So you could do that. I think if you insure the home at prevailing prices and have actual replacement coverage or rebuilding coverage, and again, the terminology will change. So you call your insurer, if you have an agent, you call your agent and you say, here's what I'm worried about. What is it I need to make sure is in my policy with this company? And they will have some lingo, again, that's either how it's done in that state or what it's called by that insurer.
28:17 Speaker 05 Alex in Minnesota says, Clark, I'm an avid listener and appreciate all the financial advice you give. My wife and I moved into a new house last year. The house was built in 1988 and has a cedar shake roof.
28:28 Speaker 03 Uh oh.
28:29 Speaker 05 You're familiar with that?
28:30 Speaker 03 Oh, yes, I am.
28:31 Speaker 05 It is very difficult to get any insurance company to cover it. The only insurance company I've found that will cover the roof 100% is State Farm.
28:38 Speaker 03 All right. And let me say that, you're lucky because in most states, State Farm, as I understand it, has stopped insuring homes with cedar shake.
28:47 Speaker 05 Although I take it this wouldn't be a guarantee if something were to happen, like a hailstorm. Do you have any recommendations for another insurance company who would specialize in covering homes with a cedar shake roof?
28:59 Speaker 03 Okay, we got to talk. So cedar shake roofs are a disaster for insurers. The homes are much more subject to fire damage from cedar shake. So you've got wood up there. And also, they are much more susceptible to hail damage. That's why you said in your question about the hail damage, would that even be covered? A lot of times insurers specifically exclude hail damage claims on cedar shake in your policy. So I'm going to give you an answer that's going to blow your mind. What people are doing is when their roof has reached a reasonable end of its useful life,
29:44 Speaker 03 people are now putting up replacement synthetic cedar shake. There's various substances that are used. It can be concrete. It can be some kind of artificial substance that is fire retardant or fire safe, but it still looks like cedar shake. I see them now on houses, and some people complain that they can look a little shiny and that they don't look like real wood, but I think over time, they do. So that's a future thing for you when the time comes that you have to replace that cedar shake roof, is you eliminate that risk for yourself and the insurer.
30:28 Speaker 03 For now, you're going to be in a game of whack-a-mole. If at some point State Farm says, "Yeah, we don't want you because you've got that cedar shake", you're going to have to hunt around. And this is a case where having an independent insurance agent can be very useful. It's a specialty kind of situation. They know the market. Backwards and forwards, and an independent agent is going to really have a good feel for where they can place you, that you'll still have coverage that's hopefully decent for a home with a Cedar Shake. And so Cedar Shake, I've been through having a house with
31:10 Speaker 03 Cedar Shake. For me, the maintenance that a Cedar Shake roof requires drove me crazy. But it is a really cool look, but it's also one that's becoming too hot to handle. Well, I want to thank you so much for joining us on today's podcast. I hope that this weekend coming up is absolutely great for you. And if there's something you need to know this weekend, remember 24/7 we're there for you at Clark.com and Clarkdeals.com with deals.
31:48 Speaker 03 And so you can get empowerment from us so many different ways, including at our website, where everything we do is about knowledge that empowers you so you can save more, spend less, and avoid getting ripped off. Have a great one.
32:11 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.
32:23 Speaker 01 Pricing participation may vary. Promotion pricing may be lower than meal pricing.
32:26 Speaker 06 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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