04.07.25 On Car Tariffs / 23andMe - Privacy Action Required

Today - Clark’s view on the impact of auto tariffs from strictly an economics standpoint - plus, direction for car buyers. Also, 23andMe has gone bust. If you have an account with them, the action you need to take right away. Car Tariffs: Segment 1 Ask Clark: Segment 2 23andMe Bankruptcy: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Hyundai shows off its new $7.6B electric vehicle plant in Georgia as Trump announces tariffs Should You Buy a Car Before Prices Rise? What All to Know Before Tariffs Hit. Should I Keep My Old Car or Buy a New Car? My Vehicle Is Approaching 200,000 Miles. Drive Until It Dies Or Sell Before It Breaks Down? How to Buy a New Car in 5 Steps / How To Buy a Used Car Lemon laws: These states do the best job protecting consumers in new car purchases The Center For Auto Safety - Lemon Law Rank Explanations and Examples What's the Best Way To Rent a Car Before You Buy It? 23andMe Bankruptcy: Why You Should Erase Your Data Now 18 of the Best High-Yield Online Savings Accounts in April 2025 High-Yield Savings Account (HYSA) Calculator 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

• 0:01Speaker 00

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• 0:45Speaker 01

  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.

• 0:57Speaker 02

  Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 1:05Speaker 03

  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 make better financial decisions in your life. Today, wow, I'm going to address something that causes endless posts. As the tariffs turn, also 23andMe has gone bust. And there's something that I need you to do immediately if you're one of the 15 million of us who did the 23andMe genetic testing.

• 1:45Speaker 03

  So this is a story that changes flavors again and again and again. The Trump tariffs. Full disclosure, I hate tariffs. I've always hated tariffs. In history, you look at when America's imposed tariffs in the past, the two big times we did, both led to depressions. Tariffs have a lot of negative effects.

• 2:15Speaker 03

  The president sees tariffs is key to his economic strategy. I don't understand it, but I have to say that because anytime you hear me talk about tariffs, you hear built in bias in me against tariffs, just like you hear from the president the other way, that tariffs are like some kind of gift from heaven. So today, I'm not going to talk specifically about why I despise tariffs. If I did that someday, gosh, Krista already has to deal with endless Clark stinks from people who think I'm some kind of super MAGA or something, or ultra liberal or progressive

• 3:00Speaker 03

  or something.

• 3:01Speaker 04

  It is unbelievable.

• 3:03Speaker 03

  I mean, it's funny that people that are really political right now see everything from a political prism and fail to respect the possibility that there could be somebody who's an independent, which I would be libertarian, except because of how I feel about military, I don't fit truly being a libertarian. But I don't believe that any one person, any one group, any one political party has infinite wisdom. We're humans. None of us have infinite wisdom. So go ahead, write your Clark stinks.

• 3:39Speaker 04

  No, please don't. I've seen enough. I've seen enough.

• 3:43Speaker 03

  You don't like crying when you read people say.

• 3:46Speaker 04

  I don't cry. It's just like, I'm not reading this. I'm done. We're not doing this. Yeah.

• 3:51Speaker 03

  Yeah. So we're not a, we're not a political show.

• 3:54Speaker 04

  No.

• 3:55Speaker 03

  This is about, this is about your wallet. You've got plenty of places you could go to see politics. So why did I say all that before I've even started talking about what you need to know about the tariffs on vehicles? Because I want you to hear me talking about this from something other than a political prism. Because if you're really agitated politically, it seems that no matter what you hear in your mind, it automatically goes into a political silo.

• 4:29Speaker 03

  But there's raw economics that enter into things. And with tariffs, what happens is innovation is reduced. Because if we stick with really ugly auto tariffs, what happens is that we become an island market. And yeah, we'll have some foreign manufacturers that build more factories than the United States. And we'll have domestic parts suppliers that maybe have been in Canada or Mexico for a long time as part of NAFTA and then USMCA. And they may come back to the United States.

• 5:14Speaker 03

  Well, they weren't really here, but they'll come to the United States. But what happens is we become an island market. The auto market's a worldwide thing. And so automakers will treat us in the future as a backwater. We're not going to be where the innovation happens with the automotive sector. As a footnote, we have the largest number of people working in automotive manufacturing in the United States we've had in two generations right now. So it's not like the auto market has hollowed out. But what has happened is there's so much automation in factories now, the newest automotive factories,

• 5:58Speaker 03

  that the number of workers it takes to assemble vehicles versus the number of vehicles they produce is way down. Because productivity's up so much. If you want to know more about this, there are a lot of news stories over the last month about the, I think it's called the Meta Plant, that Hyundai built for like $8 billion or $10 billion, something like that. This plant is in extreme southeast Georgia, near Savannah, Georgia. And it's so robotic, it's mind blowing.

• 6:32Speaker 03

  And that's the future of automotive manufacturing. So it's not a job engine anymore like it once was. In the United States, we have, out of 340, 50 million Americans, there are 300 and something thousand automobile assembly workers. So the tariffs are really disruptive for an industry that has been healthy in the United States and does not generate and will not generate massive numbers of jobs. It's just not going to be because of how automation has changed. Enough background. What's it going to mean to your wallet? What happens when you have widespread tariffs

• 7:17Speaker 03

  is even vehicles that are not subject to tariffs or have very minor tariffs based on the domestic content they have, end up going up in price as well. And as I mentioned briefly earlier, the biggest innovations don't come to an island market. So the automotive market will advance more around the world than it will here. A lot of the great innovations will not come here with tariffs being sustained. And it takes years and years and years from deciding you're going to build a plant, to getting the permits, to building it, before you make the very first vehicle that comes down the line.

• 8:02Speaker 03

  So the tariffs are all negative for us, for dealers who will have less customer traffic, fewer sales. I mean, it's just, they're just bad ugly. So let's talk about you. If you need a car right now. Need versus want. You need a car right now. Dealers will have, depending on the brand, somewhere between six weeks and three months of pre-tariff vehicles available to sell you. So some brands have seen a lot of people showing up on dealer lots, trying to buy pre-vehicles that come in with tariffs.

• 8:46Speaker 03

  So the prices may be a little higher where there's been a lot of dealer traffic at certain brands, without any tariffs, but not like the price effect of tariffs. And some brands are going to be affected more than others. Who is really a domestic manufacturer? Rivian, Tesla, Ford, and Honda. Those four automakers, most of what they manufacture, most of what they assemble that's sold in the US market is made in the US market. Not all the components. So even any of the vehicles from these four brands could have some tariff to them, but it'll be relatively minor.

• 9:31Speaker 03

  And who has the least domestic manufacturing in the United States? Volkswagen, Mazda, and Volvo. They will have by far the largest impact on tariffs of, you know, big production brands. And everybody else is kind of in between. So you hear 25% tariffs. Does it mean that vehicles are going to have 25% price increases? No. But they are going to have price increases depending on how much domestic content there is and how much the manufacturer and dealers might absorb

• 10:13Speaker 03

  of those tariffs in what you ultimately pay. Very high-end luxury vehicles that are European brands, a lot of those are not manufactured in the United States. They're imported from Europe. Those already have high sticker prices. Those will have big, big potential increases in prices, depending on the price point, $10,000 to $25,000. A lot of more economical vehicles may not even be sold in the United States anymore. So I reported in the Financial Times of London that Mercedes is considering not selling any of their lower end vehicles in the United States anymore.

• 10:55Speaker 03

  Because of the fact that tariffs would raise the price to a point that buyers are going to be like, are you crazy? I'm not going to buy them. So the tariff effect, from my perspective, remember my built in bias, has no upside, no upside, and has disruption. But I want to go back to something I said. Want a vehicle? Need a vehicle. Your vehicle's croaked? Your vehicle's no longer reliable? You have to get a new do you use vehicle? Or a new vehicle? Because yours is no longer reliable transportation?

• 11:36Speaker 03

  There's a real advantage to you buying from inventory a vehicle before the tariffed vehicles hit our shores. That's number one. Number two, if you just want a vehicle, unless you're rolling in money, just wait till you really need something and keep driving what you're driving. We tire out of vehicles way before the vehicles generally are tired. Now, the effect on the used market is very significant because 80% roughly of vehicles that people are buying are used. The new vehicle market's a much smaller part of the market.

• 12:15Speaker 03

  Used vehicle prices will rise because the overall impact of the tariffs will have made new vehicles more expensive and that will generate more demand for used vehicles. So they will rise in price as well. So, let's see. Do I like tariffs?

• 12:35Speaker 04

  No.

• 12:36Speaker 03

  I do not like tariffs. There is no gray. The only time I think tariffs are appropriate is when a country is doing what's called dumping. You know what dumping is?

• 12:48Speaker 04

  No.

• 12:48Speaker 03

  It's when, like the Chinese do this a lot. They'll sell things with government subsidies below the manufacturing cost to try to keep factories moving in China and they'll dump products in other markets like us in Europe, whatever. And in that case tariffs are appropriate because it is unfair competition when items are being sold at predatory prices below the manufacturer's costs. But otherwise, let the free market rule.

• 13:21Speaker 04

  Okay, and if you have a non-political question, you can go to Clark.

• 13:25Speaker 03

  Non-political question or complaint, let's hear a vote.

• 13:28Speaker 04

  Go to Clark.com/ask or to ask a question.

• 13:33Speaker 03

  You're not even gonna say where you go to file Clark's case.

• 13:37Speaker 04

  All right, we're gonna go to questions. Tyler in Missouri says, "We are expecting our third child in June and are realizing we're going to want a minivan. Three car seats is going to be a tight squeeze in our Kia Sorento. We would like to purchase used but want to know your advice on whether new or used is best in the current environment. Initially, we're leaning towards a Honda Odyssey but are also interested in the Kia Carnival and Toyota Sienna. We would probably put 10,000 to 20,000 miles on it a year and would plan to keep this vehicle 10-plus years. Is there an advantage to paying cash or financing the vehicle?"

• 14:11Speaker 03

  Okay, number one, in the minivan space, it's different than every other vehicle category. People treat minivans as a utility and they drive them year after year after year after year. How long did you have your Honda Odyssey when your kids were young?

• 14:29Speaker 04

  I think I had it over 10 years for sure.

• 14:32Speaker 03

  Yeah, completely standard that people keep a van a really long time and the inventory of used vans for sale is so small usually that the price points stay high. Because you're gonna keep yours 10 years or longer, you drive up to 20,000 miles a year, I'm saying this is one case where you buy new. I did say that, didn't I?

• 14:57Speaker 04

  Mm-hmm.

• 14:58Speaker 03

  And buy one that is a hybrid. Let's see, Sienna comes in hybrid, the Carnival comes in hybrid, and you didn't mention the Pacifica, which was the first, I think the first minivan to come in a hybrid version. But the fuel economy benefit will be high enough over a 10-plus-year cycle that I don't think it's even gray. Like, in the case of the Carnival, I think it's $2,500 more for the hybrid version than the regular. And Consumer Reports says that the Carnival is, as I remember, the best, but go get access

• 15:40Speaker 03

  to Consumer Reports since this is a 10-year-plus purchase. Read their reviews of all four minivans and see what you think. The advantage of the Carnival is you get a 10-year warranty on it. You don't with the others. So you buy new, you're probably, if you have cash, you could pay cash. I like that because auto loan rates are pretty puffed up right now. But if you can't, you need to borrow money, go to a credit union and arrange your financing there.

• 16:13Speaker 04

  Michael in Georgia says, "My wife and I always purchase cars, used cars, and we have never done a lease. This year, there are really cheap deals on the Honda Prologue EV. We've never had an EV and thought we would do a three-year lease to see if one would work for our lifestyle. We are approximately six months into the lease and only have 6,000 miles on the car. In the first six months, the car has had all the warning lights go off, it becomes undrivable, and the systems fail, and has to be taken back to Honda. This has happened three to four times. There was recently a software update that we did, and today, my wife was driving the vehicle, and it auto-accelerated and gave her a high-voltage system warning. This is obviously a safety concern.

• 16:54Speaker 04

  I traded in our 2014 Honda CR-V when we did our lease for the money down. I want to know, because of so many issues in the first six months and this latest issue with the auto-accelerating, is there a way to break the lease and get my money back from the trade-in?"

• 17:09Speaker 03

  So, can you break the lease? Brand-new vehicle, you've had all these problems, you're at 6,000 miles, and you have the right in almost every state To use the lemon law, yours is a Georgia purchase. I know you have the right with a lease to file lemon law. Under lemon law, it's a formal procedure. And in many states, you pay a little fee for the administration, like $3 or $10 something. When you buy a vehicle or lease it for the administration of the lemon law program.

• 17:48Speaker 03

  So you immediately need to pull up the Georgia lemon law, follow the procedure of it exactly as written. And you will file a formal notice that is described in each state lemon law with Honda. They're requesting a termination of the lease because of the problems. Now, you're going to need to read the statute to see what happens with the money you use to lower the cost of the lease from your trade-in of your old CRV. But time is your enemy with a lemon law filing.

• 18:26Speaker 03

  Center for Auto Safety at autosafety.org has a really nice descriptor for you about how to use the lemon law in your state and get to work on it yesterday and do exactly as it requires. The automaker Honda will be given one chance to properly repair the vehicle so that you no longer have the fear that when you get in the vehicle, it could have a safety issue or leave you stranded. An automaker is only given one attempt to fix a serious safety issue.

• 19:05Speaker 03

  In most states, the out of control acceleration is obviously an example of a serious safety issue.

• 19:14Speaker 04

  Okay, Beth in North Carolina says, "You advise making vehicle purchases online. How do you handle a test drive to make sure it's the one you want, especially if there are two or three you're considering? And if I'm on a foreign brand, should I buy before tariffs are in effect? I listen to you every day on my walk, certified Clarky."

• 19:32Speaker 03

  Well, thank you for that. I hope that a day that the podcast is shorter than you like for your walk, that you keep walking anyway. And when the podcast is longer than your walk, that you walk extra time on those days. Okay, Turo is your greatest friend for a test drive.

• 19:51Speaker 03

  You go to a dealer for each of the makes and you got like 10 minutes in a test drive and you're on a controlled route, you really don't get to experience it. I love people renting a vehicle that they're thinking of spending, what's the average cost of a new car now, $47,000? Before you spend huge money on a vehicle, pay Turo for the two or three brands you're thinking of renting, you drive somebody else's and you experience it for a day or two and see if it is a vehicle that you would really be happy owning. I learned this a million years ago.

• 20:33Speaker 03

  There was a vehicle I wanted to buy, used of course, and I ended up in San Diego renting a car and it just happened that I was rented that make and model. And the car was terrible. I never would have known from just a short test drive, but that vehicle was immediately eliminated from something I would buy. And that's why ever since I've wanted you to have a 24 or 48 hour period testing a vehicle at your own cost through something like today so easy at Turo.

• 21:11Speaker 03

  Coming up ahead, years ago on TV, we had a great idea for a sweeps month story that I was going to do these genetic tests. We were going to see particularly for where the test said where I was from, if the tests lined up the same. Well, we never aired the story because the test results said exactly what I thought about where I was from. But then I learned all kinds of stuff about my genetics and my health and it's my information. But now with 23andMe out of business, having gone bust, there's something you got to do right away if you did that vial with them.

• 21:55Speaker 01

  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.

• 22:07Speaker 02

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• 23:40Speaker 03

  15 million of us apparently did 23 and me. So we gave our samples, then we got these reports and they have been so interesting to me over the years. What I've learned about myself health wise, what I've learned from it and ancestry.com about where I have relatives all over. Over the globe, I mean, my goodness, I can't believe how many cousins I have all over the globe. And where I'm from, it turns out, is more nuanced than I originally thought. Over the years, as there's been more and more genetic matches, I've found out that

• 24:23Speaker 03

  I'm actually Belarusian, Ukrainian, as my true background, even though none of my four grandparents who immigrated to the United States were from Belarus or Ukraine. They were from Russia, Lithuania, Poland, and Austria. It was all really interesting and fun stuff, and some of the health stuff was very useful to me. But that information was private to me. With 23andMe bankrupt, the way the bankruptcy court process works, the 23andMe data is going to be sold to whoever the highest bidder is, pretty much no questions asked.

• 25:04Speaker 03

  For whatever nefarious purposes, they'll use that genetic data, which is enormously valuable to a variety of industries. And our privacy is going to be breached. You're not powerless. There's a simple procedure. If you go sign into your 23andMe dashboard, and you may not even remember your username or password, you're going to have to do the "I forgot" stuff. Get into your account, go to Settings, and you're going to be able to wipe out you ever existing in their system. Your name, everything about you, and all the data they have wiped clean.

• 25:49Speaker 03

  I don't know a way that the, whoever, whatever sleazy organization ends up winning in the bankruptcy court process, I don't know of any way they're going to be able to recapture that wiped-out data. It's the best tool we got. So what will happen is you wipe it out, but you're not done. You then have to go back. In a confirmation email they'll send to you to your email address of record and confirm that you want your data wiped out and overnight, the next overnight, the data is wiped clean

• 26:25Speaker 03

  and you don't have to worry what some organization is going to do selling off data for very bad purposes. It will be bad purposes because that data is so valuable. Think about to the insurance industry. It's not supposed to use that stuff in most circumstances. Yeah, like that's not going to happen now. So that's why you wipe the file clean. If you love what you found out about family or your health or whatever, before you wipe your file, print your file, print out the file and file it away. So you have the data, but prying eyes

• 27:07Speaker 03

  won't see it. Did you do any of those?

• 27:11Speaker 04

  I sure did.

• 27:12Speaker 03

  Have you wiped your data?

• 27:13Speaker 04

  Yes, I did.

• 27:15Speaker 03

  It was easy, wasn't it?

• 27:16Speaker 04

  Mm-hmm. Super easy. Such a bummer. All right. Here's some questions for you, Clark. Jason in Georgia says, "I love that your website keeps an updated list of the best high-yield savings accounts. I currently have about $86,000, a mix of my-

• 27:29Speaker 03

  Isn't that wonderful?

• 27:30Speaker 04

  I know. A mix of my emergency fund and savings for a future home down payment and a Capital One 360 Performance Savings Account, which has a 3.7% APY. Thanks to your website, I know there are accounts with even higher rates. My question is, when is it worth switching to a different account for a higher APY? And are there any downsides to switching too often, say more than once a year?"

• 27:53Speaker 03

  No downsides at all. And any of that money that you don't need for a year, right now, there's a direct advantage buying a one-year CD.

• 28:05Speaker 03

  At the highest rate available, we're going to be in a really weird split that loan rates are going to stay high, maybe even go higher, and savings rates are going down. And so while you can still lock in, let's say, a one-year CD at 4.5% to 5% or maybe a little more, depending on how much you shop around, the money you don't need, like maybe the money for the down payment on a house that you're not going to need in the next year, buy that one-year CD. If you are planning to buy a house within a year, then just, yes, switch as often as you want to the best online savings account paying the highest interest rate.

• 28:48Speaker 04

  Tom in Wisconsin says, "My wife and I recently were invited to a presentation put on by a company that provides coverage for emergency ambulance bills and related expenses. Just wonder if you can explain if this coverage is really necessary. Basically, what we were told is that because we live in a rural setting, it could cost more than $5,000 out of pocket if our insurance would not cover the ambulance services. I listen to your show and I've never heard you discuss this type of insurance. Could you please shed some light on this? And thank you. Love the show and all of the free advice you've given through the years."

• 29:22Speaker 03

  Thank you very much. And the ambulance thing is a real concern. In the No Surprises Act, the Congress in its wisdom included air ambulances, but did not include ground-based ambulance services. So in a rural area, even though an air ambulance would upfront look like it was much more money, because the No Surprises Act, ironically enough, transporting from a rural area to a distant urban hospital, not only might save your life going in an air ambulance, but it'll probably be cheaper for your wallet because of the No Surprises

• 30:02Speaker 03

  Act. Depending on your insurance, it's completely roulette what you end up with on an ambulance charge. It could be something really bad, ugly, like they say in the presentation. But these people are very aggressive selling these ambulance policies. The reviews online are brutally negative generally about these policies. Very aggressive sales efforts. And when you do have a charge, getting it paid back through the insurance, people repeatedly say is very, very difficult. So, yeah, it could happen.

• 30:43Speaker 03

  It could be something bad, but that ambulance also could be what is the key to saving your life. It's a tough thing. It should not be a roulette thing with the bill.

• 30:56Speaker 04

  And this is from someone who just identified themselves as frustrated. I'm writing because my family has endured years of strife because my 83-year-old father, who is still working, has continually fallen victim to lottery scams. Additionally, he has made very poor investments in fraudulent IPOs, subscriptions, and other complete wastes of money. He is still self-employed and working, and it has been very difficult to get my mom to intervene. She's reluctant to go to the check writing requirement requiring two signatures. And as a family, we do not want to attempt to declare him to be incompetent. He recently passed several cognitive assessments. They have been married for 50 years, and as a family, we are desperate for answers.

• 31:41Speaker 04

  Are there any strategies I may have overlooked to prevent this from happening again?

• 31:46Speaker 03

  Yes, you go to two signature checks and make yourself or one of the other family members other than your mom, the second required signature for a check to clear. This is something that so many of us have dealt with, are dealing with, or will deal with, with an aging population.

• 32:09Speaker 03

  If you're a long time listener or viewer to our YouTube show, you know what I went through with my late mom as she got older and was being scammed out of money repeatedly. And we had to come up with a number of procedures to eliminate that. One thing you could do with your dad's cellphone is you could have it where only calls from people and his contacts ring through on the phone. That's very easy to do with, I know with an Android, it's very easy to do. I assume also with an iPhone where the phone only rings if it's a known caller that's in

• 32:54Speaker 03

  your contact list. And that's one thing that can cut down on this. But yeah, if mom's not willing to get involved, it's going to have to be one of the kids or another family member who intervenes. And maybe you need to do a family conference. This would not be like a normal intervention, but a clear family conference where you're all together. If family members are very far away, you do it some kind of Zoom thing. And you almost impose your will as adult children. Just like with my mom, when she was dangerous driving and I basically stole her car.

• 33:38Speaker 03

  So she went down to the garage and there was no car there. I had to do that because she was a danger to herself and others. As kids, there are times you have to intervene in a rough way. Because if you don't, your parents can end up broke or something else. The thing is, your parents did so much for you, raising you. And there comes a time in life where you then have to be there, to be their protector. And this is that time. So, thank you so much for joining us. Know that we are here to serve you so many different ways.

• 34:21Speaker 03

  One-on-one free advice is one of the things we are proud to have offered since 1993. So if you want free one-on-one advice from our Team Clark Consumer Action Center, available to you 30 hours this week and every week except holidays, go to clark.com/cac to see how that works. It's just one way that we try to empower you so that you save more, spend less, and avoid getting ripped off. Have a great afternoon.

• 34:57Speaker 01

  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.

• 35:09Speaker 02

  Price and participation may vary. Promotion pricing may be lower than meal pricing.