Pod Insights The Clark Howard Podcast 03.24.25 The Future Of Social Security / An Inspiring Life Well Lived About this episode Today, Clark attempts to talk about a topic that always elicits spirited responses - social security. There are questions about the future of the program, and Clark gives you his take. Also, the story of a life well lived which can serve to inspire us all. Social Security: Segment 1 Ask Clark: Segment 2 All Cash - No Flash: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When Is the Best Time To Collect Social Security? Will Social Security Run Out? / Social Security - Clark.com Best Credit Cards for Students: Top Picks for 2025 Home — TreasuryDirect What's the Best Savings Account for a Teenager? How To Open a Roth IRA Investment Growth Calculator - Clark Howard Bob Kierlin, Frugal CEO Who Wore Secondhand Suits, Dies at 85 - WSJ Countries Offering Digital Nomad Visas What Is an HSA Account and How Does It Work? Why You Should Never Use a Debit Card To Pay for Anything 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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1:21 Speaker 02 I'm so excited 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. In this episode, I'm going to attempt to talk about a topic that, well, whenever I bring it up, whoa, do people get fired up at me. Social Security. And I've gotten so many questions recently, though, about it. A lot of angsty questions. I'm going to address those as best I can. Also, I want to give an example of a life well-lived.
2:02 Speaker 02 Someone who recently passed away that really speaks to how I feel about money. And I'm going to give you an extreme example, but I think you'll be interested in hearing the story that I have to share with you. All right, let's talk social security. Lot of concern out there, some of it goes to fear. And let's talk facts. We're not bringing in enough money right now to fund social security. We're just not. We're going to have to do something about it. When I say we collectively, we, the politicians are going to have to actually do something
2:45 Speaker 02 they don't like to do, which is tell us we have to eat our spinach instead of handing out ice cream and candy. We're going to have to balance the books because otherwise we're lying to people. But even with that being said, social security will not cease to exist. We will still receive a social security check. No question about that. So let's talk about immediate things. There are people who, because of all the coverage right now about social security, are rushing to claim social security. I'm seeing more stories from people saying, yeah, go ahead and claim the second you can because, well, we don't know what's going to happen with it.
3:29 Speaker 02 We do know what's going to happen with it. It's going to continue. And at some point, the Congress will collectively, those members of the House and the Senate, will come up with the courage to balance the books on social security. It is pretty much the most popular of all federal programs. So they're crazy to not make sure it's sound.
3:55 Speaker 02 So rushing to to take the money at 62, which is what people are really into right at the second, is a choice that is wise if you got no money to live on, you've lost your job, whatever. But otherwise, the longer you wait, the better it is. Because the additional increase in social security you get from that day and the rest of your life as you wait, you can't earn, out earn that additional benefit on your own. Now, the next thing is, we got people who say, well, you know, what happens if I wait? And then I've waited
4:37 Speaker 02 all these years, and then I die the day after I finally get social security. Isn't that terrible? Well, no, what's terrible is that you're dead. Not that you're not getting a social security check. You have to play the odds in life, and what the actuarial tables say, unless you know in your family, people don't live long. So that would be the reason you would claim early, is that nobody makes it past blah, blah, blah year. You know, people in your family overwhelmingly die in their 60s. Then waiting till later, like
5:16 Speaker 02 I waited till age 70, waiting is not a smart choice. But otherwise, the longer you can wait, the better it is for you, because then every year is your social security check adjusts upward from inflation, you're doing it off a much higher base. Now, I've said that, how many times have I said that? I mean, you can ask Krista.
5:39 Speaker 03 14 times.
5:41 Speaker 02 I've said it 20 for 25 years, at least, that you've heard me say it.
5:45 Speaker 03 Oh, yeah.
5:46 Speaker 02 Okay. But here's the last thing. Right now, with the social security offices being closed and all that. And number of employees being reduced, it's going to take longer to do your initial application for social security. So when you intend to start claiming your social security, whether it's 62, 67, 70, whatever it is, you want to apply four months out because it's going to take a while right now to get those social security applications processed. So you want to make sure that four months before you want that first check to come, that's when you're applying, not a few weeks out, a month out, two months out.
6:30 Speaker 02 You want to use the full four month cycle that is the earliest point you're supposed to apply.
6:37 Speaker 03 All right. We've got some questions here for you, Clark. Natalie says, I like many have my first child heading out to college this fall. Can I please get your advice on the things I need to do now to set him up for financial success? He has a child account tied to my Capital One. He's 18 now and will need to access his own cash. I assume he will need his own standalone checking account. And if yes, what would you advise? He is also a cardholder on one of my credit cards. We love having him pick up dinner and groceries and he has been extremely responsible with his spending. Do I just leave him on that account and set a set spending limit? Or should we get him his own card so that he starts to create his own credit history?
7:21 Speaker 03 Any other words of wisdom that you can impart on us or him?
7:24 Speaker 02 So first of all, you did the preamble of how responsible he is. At the college he's going to, the odds are that there will be a credit union available to faculty, staff and students that students don't know about at the campus. And that's the best place for a student to open a checking account is at the credit union at the university itself or in the town where the university is. Because credit unions almost always offer free checking accounts where traditional banks are going to charge fee on top of fee.
8:03 Speaker 02 Second thing is that if your child works part-time, he can get a credit card at 18. Because you say he's really responsible with money, he'll start receiving preapproves very heavily from Discover, maybe from some other financial institutions. And if he's got part-time work going on, he should apply for that college credit card because it will establish a credit identity that'll be really great for him to have moving forward.
8:37 Speaker 03 Leslie in North Carolina wrote in with this one. I heard Clark and Krista talk about putting your savings into a short-term treasury for a better interest rate, but almost no detail is ever given. I currently use Goldman Sachs Marcus for savings and the rate keeps dropping. I use Vanguard for investments. Can you give me a little more instruction on how to set this up with Vanguard? I have reviewed Clark.com and haven't found much help with this. And that's unfortunate that we do have a pretty good savings account list, but we'll check into the treasury thing.
9:09 Speaker 02 Well, treasury, you know, having a deep dive on buying treasuries, that becomes a more sophisticated thing for people to do. So there's a couple of ways to do this. The easy button is you said you're at Vanguard. Vanguard has a series of treasury funds. They have a treasury money market fund, a short-term, long-term, blah, blah, blah. So you have the ability to buy access to US treasuries at a very low cost. Or you can set up what's known as a Treasury Direct account. If you go to treasurydirect.gov, that's where people go to buy savings bonds, but you also can set up an account there to buy treasuries. And it's some work.
9:54 Speaker 02 So you'll have to do some reading on the Treasury Direct website to see how to buy individual treasuries. The advantage of that is if you buy a treasury from Treasury Direct,
10:09 Speaker 02 And you hold it to maturity, the interest rate that they've guaranteed you is what you're going to get. If you buy a fund from Vanguard or some other financial institution, in your case Vanguard would be the one that makes sense, at the lowest cost, you're already doing business there. The interest rate you receive will change every day because you're in a fund that is constantly having to replenish the treasury holdings and people buy and sell the fund and all the rest. But that's the easiest way and will usually outperform, at least these days, what you're earning on a bank savings account or potentially
10:51 Speaker 02 a bank CD, even often from the online financial institutions.
10:56 Speaker 03 And this one's from Denise in Georgia. "Over the last year, I've been teaching my 15-year-old godson about fiscal responsibility. I've taught him about saving a percentage of everything he makes, opening a teen investment account where I will match whatever he puts in, and I've even..."
11:13 Speaker 02 This is quite a godparent, isn't it?
11:14 Speaker 03 I know. Just wait. "And I've even incentivized his academics. If he graduates with a scholarship, then I will buy him a car. Yes, Clark, it will be a new-to-him car, and he is on track to do just that. Yesterday, he surprised me. He wants a work permit so he can get a job after school. Then he asked me to help him get a credit card. My immediate response was no. He then asked for a debit card. Again, I said no. I finally asked why, and he wants somewhere to put his paycheck where he would be the only person to have access to his account. Since he's a minor, the only account he has is controlled by his parent. So beyond addressing the implications that he is worried
11:56 Speaker 03 about other people accessing his funds, I thought, what would Clark do? How can I help him set up an account at the age of 15 or 16 that doesn't require him to have a legal guardian co-sign for him? What options does he have on being able to have his check direct deposited and then accessing it when needed? Is there a card out there that will allow him to deposit his paycheck but will not offer him credit and entice him into debt?"
12:21 Speaker 02 Okay.
12:22 Speaker 03 What a godmother. That's impressive.
12:24 Speaker 02 Yeah, this is pretty fantastic Denise. I read between the lines that your godson doesn't trust the parent.
12:32 Speaker 03 Yeah, it's unfortunate.
12:33 Speaker 02 The parent will swipe the money and I don't know what the dynamic is if you're gonna end up in a difficult situation with the parent at some point with the help you're doing. So what I would recommend is that you take your godson to a Fidelity Investments office and open an account with Fidelity. Fidelity allows a teenager to have pretty moderately good control of an investment account with you kind of watching over. And it is a more active event for your 15-year-old godson than a normal custodial account. And
13:17 Speaker 02 so I like the Fidelity accounts because it really will get your godson thinking about not just saving money, but the whole concept of investing, being able to put money in, direct deposit from the paycheck, have it tied in with, yes, a Fidelity debit card. This would be a case I'd say is okay to have a debit card and be able to access funds. But the great part about being at Fidelity is your godson can take some of the money from working part-time and open a Roth IRA and start having money grow tax-free and grow tax-free for a lifetime and be spent tax-free way down the road. Doing it at 15,
14:02 Speaker 02 and we have a chart that we did like, gosh, that was decades ago, on how much money you end up with if a teen working saves money starting at age 15 or 16. It's a crazy amount of money because time is your friend with saving money for the future. So if I were thinking about how to kill multiple birds with one stone, I would do the Fidelity Investments youth account.
14:31 Speaker 03 The teen just has to understand that they can't take money out of the investments. I mean, they could, I guess, in a Roth, you can take out what you've put in penalty-free, but you know, if he's trying to access cash.
14:41 Speaker 02 Well, that's why you put some of it in the Roth, because you only need a dollar to open that Roth. And the spending money is accessible through the Fidelity debit card. I think it is my favorite for someone who is really responsible or learning to be responsible as a teen, particularly when they get their first job.
15:04 Speaker 03 Very lucky to have you as a godmother, Denise.
15:07 Speaker 02 No kidding. Coming up ahead, all right, we're gonna, we're gonna have a serious talk about living on less than what you make. And you don't have to be as goofy as what I'm about to share with you, but gosh, it gives you a lot of freedom in your life.
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17:08 Speaker 02 I read an obit recently about a guy named Bob Kirland, who was one of the founders of a company called Fascinal, which is only known to people in industrial sectors. They make nuts, bowls, all kinds of things for industrial settings, construction, that kind of thing. And Bob ended up incredibly wealthy. But through his entire life, he stayed ultra cheap. As CEO of the company, he made me seem like the biggest spender there ever was. He would stay in really, really cheap hotels, would use coupons through his life.
17:53 Speaker 02 I'll tell you a coupon story later. Would buy his suit second hand. And if you've listened to me or watched me for a long time, you know why I identify with this because I'm so proud of the used suits I've bought over the years. $1, $2, $5 suits, that kind of thing. I told this story about when I flew to a funeral and realized I hadn't brought a tie and went to a used clothing store and bought a tie at the used clothing store to wear at the funeral. I mean, and obviously I'm a couponer, but nothing as cheap as he was.
18:33 Speaker 02 So the Wall Street Journal did a profile on all the things he did. You know, at the company headquarters. Used furniture, when he'd travel for the company as the CEO, he'd share a room with another employee so they could save money. If the airfare was too expensive, they'd drive. This is a guy who, the company was so successful, so big, he could have been flying around on a private jet all he wanted. But that was not his deal. Every penny mattered. And you know what he did with the money? Invested in the business and gave a lot of it to employees.
19:15 Speaker 02 I mean, his spirit was so great. And you gotta go back in the Wayback Machine. A lot of people won't be familiar with this company, but Kmart used to be the largest retailer in the world. They were a deep discounter and the merchandise was not of the quality of, let's say Walmart, it was below that. But those are the clothes he wore. He wore Kmart clothes. And he bought on the blue light special, if you know what that was. So this guy lived his life that way. And then, when he died, worth a fortune, he gave money away in big amounts to charities,
19:58 Speaker 02 to nonprofits, to the employees. This is a guy who, the company is worth $44 billion. This is a guy who always stayed true to his principles. So, there are people who, who is they make more money, they live large. But think about Warren Buffett, one of the world's wealthiest people. Was he like, fifth wealthiest in the world or whatever? Used to be the wealthiest. He lives in the same basic house he's lived in for 70 years. So you don't have to live a life like this of complete, he didn't, he never thought of
20:40 Speaker 02 any of this as deprivation. But I'll tell you a funny story. After he retired, CEO went to see him for advice. And so he went to see him at his home. He was already elderly, and he had coupons on his desk. And the CEO said, what are you doing here? He said, well, before I go to the supermarket every week, I get my coupons together to go grocery shop. It didn't matter that he'd built a company worth $44 billion that he'd built. He was still a couponer. Today it would be electronic coupons. But the idea is that being careful
21:20 Speaker 02 with your money through your lifetime builds habits. And being careful at not getting too soft over time and saying, why bother? Why would I spend that time trying to figure out how to save this or that? Because it's much easier to save money, actually, than it is to make it. I want you to think about that idea. What's the cheapest thing you've ever heard me do?
21:48 Speaker 03 Oh, man, don't put me on the spot like that.
21:51 Speaker 02 That's a long list, isn't it?
21:52 Speaker 03 You walk the walk. People ask me that. Oh, does he really spend a lot of money? No, nope.
21:57 Speaker 02 Do you think how great it is that I, I will park a long distance from where I'm going to be able to park for free?
22:05 Speaker 03 Yeah.
22:06 Speaker 02 And then I get all these extra steps in because I, you know, I'm trying to walk seven, eight, nine miles a day, every day. And so by not paying for parking anywhere, I'm getting extra steps in against my goal every day.
22:20 Speaker 03 Yeah, you told me a story the other day, and my friend was in the car and was laughing so hard, that you had sold a car, and you got this, you know, this check for the car that you sold. And you asked the guy at the place where you sold it, you know, I want to get to the subway, you know, the public transportation, whatever, subway or bus, you know, what's the best way to get there? And you ended up walking there, right? And the guy was just looking at you like you were crazy, because you could have just like hopped in an Uber or whatever to get home, but you...
22:49 Speaker 02 The Uber was $16.
22:53 Speaker 02 It was a dollar to ride the train. What do you think I was gonna do? And I got a 20-minute walk in to go to the train, but I didn't know exactly how to get to the train in that neighborhood.
23:03 Speaker 03 You literally walked the walk. There's no doubt. But you're also, I mean, definitely one of the most generous people I've ever known. Just like Bob. Sounds like, I mean,
23:12 Speaker 02 parallel. No, I'm not just like Bob. This is a guy who's, I mean, I have grown soft in some ways, but this guy is not fooling around. And he did so much for so many people. And I think that's really neat. But, you know, most of us aren't gonna be ultra-successful in a business, or whatever, and be able to be a story about how cheap they stayed. But the reality is, we're the only country in the world where people, as their income goes up, their spending goes right up with it. Nobody else does that. Everybody else in
23:51 Speaker 02 the world, as their income rises, what they do instead is they increase their savings, or they're investing money, that they build up wealth. Here, we're all about consumption. And that's not healthy.
24:07 Speaker 03 As you like to say, don't be all flash, no cash. Be all cash, no flash, right?
24:12 Speaker 02 That's right.
24:13 Speaker 03 All right. We'll go to some questions here. Dave in Florida says, "My wife and I and our three-year-old son are looking to maybe move out of the country for a possibly extended length of time. We own a successful handyman company, and we're able to operate from anywhere as long as we have internet and phone service. Right now, we are seriously considering Portugal. We would visit first and get a feel for whether or not it's a good fit for us. There are a number of expat services to help you travel and find a home in a nice area. Are they legit? Any recommendations of a reliable service? We will need visa info, banking info, etc., a lot of which we've already looked into. We're probably looking at a digital nomad visa, but we don't know a lot about visas or Portugal. Is it safe?
24:58 Speaker 03 Good healthcare? I've registered for some webinars and read numerous articles, but I don't..." Don't like to make moves like this without the sage advice of Clark and Team Clark.
25:07 Speaker 02 Well, Dave, this is really cool and Portugal's in with Americans. Americans have been moving there in big numbers, but don't overthink this. So you know about the digital visa. We talked about the digital visa on the podcast a couple of years ago. They make it pretty easy for someone like you to be able to get the digital visa. Not that hard to get. You just have to demonstrate that you're earning money from the business you're doing and not a lot. It's a pretty low level in Portugal. Some other EU countries, the equivalent of
25:44 Speaker 02 the digital nomad visa requires a higher demonstration of monthly income. But if you go there, you can go there first on a tourist visa for three months. Try to get a feel if that's where you want to be. During that time, you can apply for the digital visa. Extend your stay. One of the things you have to do is you have to buy an EU health coverage plan. They're not crazy expensive, but you have to demonstrate that you're not going to stick the taxpayers of Portugal or any other EU country with a lot of medical
26:25 Speaker 02 bills. And you'll know after a while, if this is just a place that you enjoy spending part of your year, or if you really want to build roots in Portugal or somewhere else in Europe, that's the point at which you might need a local expert on the ground to help you. But don't spend any significant amount of money upfront on this because first you got to test this. Do a test drive. See if it works for you. A lot of people will think they want to live in Spain or Portugal or live, you know, somewhere in Asia or whatever. And you get there and you realize, I really enjoy hanging out here, but not living here.
27:10 Speaker 02 And you'll learn from others. I mean, you look on Reddit, there's so many people who have already made this journey to live somewhere in the EU and to specific countries and they'll drill it down for you. What are the pluses, minuses? What are the things you have to do? But you don't need one of those expensive consulting services yet. You may not need them at all, even down the road. And I hope you enjoy Portugal. You live right now in Florida. Just want you to know, Portugal in the winter gets pretty cold. There's this perception that Portugal is going to be really warm like Florida. Uh-uh. So you gotta be prepared, gotta have that winter coat.
27:55 Speaker 03 All right. And Isaac in Texas says, "I'm 24 years old and can save roughly $1,000 a month."
28:00 Speaker 02 Fantastic.
28:02 Speaker 03 Currently, I'm maxing out my Roth IRA and putting the rest in a money market account towards a down payment for a house. This year, I was 2,000 or 3,000 short of my itemized deductions exceeding the standard deduction.
28:14 Speaker 02 Okay.
28:14 Speaker 03 Should I open and max out an HSA to get the triple tax benefit before putting savings in my Roth IRA or toward a house down payment? I'm in the 12% tax bracket right now, but my income should significantly increase in the next few years to put me in the 22% or 24% tax bracket.
28:31 Speaker 02 Okay, 24 years old. This is so fantastic. I can't even tell you. You're using the advantage of being at an extremely low tax rate to put in money after tax in the Roth. The house thing you were asking about, if you were to sacrifice anything, it would be the money towards buying a house. So you could fund fully the HSA and fully fund the Roth IRA. Don't sweat very much worrying about being able to itemize deductions versus the standard deduction. You're good. You're great like you are right now. And the HSA is such a valuable tool over the years.
29:15 Speaker 02 Obviously, you have an HSA eligible healthcare plan where you work or on your own, making you eligible to get the triple tax benefit of the HSA, which is actually superior to my beloved Roth IRA. And the way you are so intentional about saving money, you'll still be getting money aside for the house. But I love the idea of you fully funding the HSA and the Roth, and then whatever's left over, put towards the house. And you, by doing this at 24, you're going to be so well set for your life financially.
29:57 Speaker 02 It's hard to even picture how well you're going to do financially.
30:02 Speaker 03 And April in California has a very simple question for you, Clark. Is it okay to use my debit card for Amazon purchases?
30:10 Speaker 02 In the past, I would have said, no problem. But the number of-
30:15 Speaker 03 Would you?
30:16 Speaker 02 Huh?
30:16 Speaker 03 You would have?
30:17 Speaker 02 Well, if somebody doesn't like using credit cards, and they want to use a piece of trash fake Visa or fake MasterCard.
30:25 Speaker 03 There it is.
30:26 Speaker 02 Why is it a piece of trash fake Visa or fake MasterCard? You don't have the same rights. And if you're owed a refund for something you return to Amazon or whatever, or the goods are not as represented from a third-party Amazon seller, with a debit card, you don't have a right to dispute the charge. When Amazon had a foolproof, rock-solid return and refund policy, even though I don't like debit cards, you would have been okay using one at Amazon. Today, because most of the merchandise on Amazon is not actually-
31:03 Speaker 02 Made or sold by Amazon and the return policies have become really fuzzy depending on who you actually bought the goods from. Using a debit card on Amazon is a risky thing where before you really didn't have to worry about the risk. So using a debit card on Amazon is something that because the culture at Amazon has changed so much on returns and refunds that it makes me really uncomfortable using it on Amazon as it's been for any other place.
31:44 Speaker 02 You buy things that you're getting in the future or you're buying online. I really want you using a credit card, not a debit card at Amazon. Amazon does not have the special relationship with its customers that it used to have and you gotta know that about Amazon. You gotta see who you're buying from and what the return policy is from who you're buying from because the old Amazon is history. And I want to thank you so much for joining us on today's podcast. I hope that you've learned something today that is helpful to you.
32:25 Speaker 02 And my daughter used to say, Dad, why do you do this? You should just say, be cheap, bye-bye. But there's more to it than that. There's more to learning ways to save more and spend less and avoid getting ripped off. And can't wait to see you next time.
32:52 Speaker 01 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.
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