06.04.25 Executive Spotlight on Rx Prices / Workarounds For High Beef Prices

We in the U. S. pay the highest prescription drug prices in the world, and a recent executive order takes aim at that inequity, the result of which remains to be seen. Clark explains why employee health plan drug prices through PBMs remain so high, and what you can do about it. Speaking of prices, what’s behind the sticker shock from the price of beef these days? Clark explains. PBMs & Rx Pricing: Segment 1 Ask Clark: Segment 2 Beef Prices: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Trump to sign executive order to cut prices of medicine to match other countries Warning: One Way You Should Almost Never Fill Prescriptions 10 Ways To Save on Prescription Drugs 7 Things To Know About Costco Pharmacy Should You Buy an Extended Warranty on Your Car? What Is a Fiduciary Financial Advisor and Do I Need One? How To Find and Choose a Financial Advisor What Is Umbrella Insurance and Do You Need It? US beef prices extend surge as ranchers face thinnest herds in 70 years Robinhood Review: Pros, Cons & Who Should Use It The WSJ’s Jonathan Clements Wants to Leave a Living Legacy 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

• 0:00Speaker 00

  They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go to restaurants. Or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats. Order now. Terms apply. Product availability varies by region. See app for details.

• 0:30Speaker 01

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 1:04Speaker 02

  It's my pleasure to welcome you here to the Clark Howard Show where our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. And remember, we're here to serve you day and night, 24 hours a day, seven days a week, 24/7, 365. We're there for you at Clark.com and Clarkdeals.com. Speaking of deals, prescription drugs, no deal or deal. We're going to talk about what we're going to see moving forward as a result of President Trump's executive order on prescription drugs.

• 1:48Speaker 02

  And speaking of prices, I'm going to talk about the sticker shock from the price of beef right now. Ugly. I'll share a real life example with you when I talk about that. So the president issued an executive order that was both a blessing and a curse for drug manufacturers. You know, we pay the highest prescription drug prices in the world in the United States, much, much, much higher than anywhere else. And I've talked all kinds of strategies about getting prescription drugs, particularly

• 2:30Speaker 02

  in Canada, for Americans, instead of buying them here in the United States. And the president, what did he say? It was a blessing and a curse for drug manufacturers. He was beating up drug manufacturers for how much more drugs are in the United States. But he was also taking direct aim at one of the biggest rip-offs in the United States healthcare market, and it's known as pharmacy benefit managers, PBMs. If you have any kind of drug benefit from the place you work, you almost certainly have that drug benefit through a PBM.

• 3:15Speaker 02

  These are organizations owned by insurance companies that live off of kickbacks that they get for the prescription drugs fulfilled through them, through the, for the employer plan. Employers sign up for these PBMs because they think it's the cheapest way for them to provide a benefit to their employees. But the employees end up getting ripped off again and again because the pharmacy benefits managers are taking these big kickbacks, raising the price of the med to you and me,

• 3:55Speaker 02

  and you and I are paying more than we are as cash customers, which is key to what the president talked about, is for people who pay cash for drugs, getting lower prices than people who have insurance plans. Okay, so think how weird that is. You think of having insurance...

• 4:18Speaker 02

  As a way that you end up having to pay less money. But in the upside down world of healthcare and insurance companies and pharmacy benefits managers, you and I end up paying more most of the time for our prescription drugs under most employer plans, using the insurance instead of just paying cash. I fill almost every prescription I have through Costco. Why? Because Costco marks up meds no more than 14%. So the Costco price on prescription drugs is so crazy cheap that it's cheaper than

• 5:01Speaker 02

  I can fill through the drug plan I have with my insurance. So I essentially, basically never use that health plan benefit because it's not a benefit to me, it rips me off. And so who knows how this is all going to play because a lot of the things the president did in this executive order really are just like using the bully pulpit of the White House of the Oval Office, they don't have force of law. That's up to Congress to implement some of the things or whatever they would choose to of what the president was talking about.

• 5:45Speaker 02

  But what he did talk about that you need to know is you need to comparison shop what you have to pay for a med through your work plan versus what you would pay just paying cash. Now, as many people have said when I talked about this last year is that, well, I'm not running these prescriptions through my drug plan, which eventually will help me.

• 6:12Speaker 02

  With my drug plan, because I'll meet whatever deductible there is in it. And if you're in a situation like that, then you ignore what I'm talking about. But for most people, what I'm doing is the best thing. Just paying direct, paying cash. And by cash, I don't mean cash specifically, Krista. I mean, pay with

• 6:32Speaker 03

  Self-pay.

• 6:32Speaker 02

  At Costco, yes. I use, what do I use at Costco?

• 6:36Speaker 03

  Of course, use your Costco signature card.

• 6:38Speaker 02

  Costco Visa card and get an additional 2% off the already cheap price.

• 6:45Speaker 03

  All right, well, 2% back, right?

• 6:47Speaker 02

  2% back.

• 6:48Speaker 03

  All right, we'll go to some questions. This one's from Lucy in Florida. Is it a good idea to purchase a warranty from companies that offer coverage for your vehicle that's no longer under warranty?

• 6:59Speaker 02

  So, uh, no. Lucy, almost without exception, the companies that market so heavily on television, uh, they're, they're running these ads all the time for you to buy their, uh, extension or service contract or warranty on your vehicle. They make it look so impressive, but then if you go look online for reviews, you'll find that people repeatedly are left hurt. They paid all that money for that extension of a warranty from these third-party companies. And then when the chips are down, something really bad happens with their vehicle, they don't pay.

• 7:42Speaker 02

  The way it tends to work is when you buy one of these third-party warranties for minor things, they'll do those because, you know, they're not enough money. But when it's a big thing, they stall, they stall, they stall, or they ignore. The other problem in the industry that happens repeatedly when you buy an off-brand extension of a warranty from a car dealer is these are sold, is what are known as packs to the dealer. What's a pack? So they'll sell you something for $2,500 that the dealer may be paid 150 bucks for. There's no way they can insure a car, you know, the repairs a car would need for 150 bucks, right? So.

• 8:27Speaker 02

  You're in a position where you paid these thousands of dollars. The vehicle breaks down and it turns out the company is long gone that the dealer sold you the warranty from. So, the best thing to do is if you want to extend the manufacturer's warranty, you do so with the manufacturer itself, because then you've got the manufacturer providing that warranty to you. That is so superior to any of these third-party warranties. And there may be somewhere, hiding in some cave, a third-party warranty that's okay. I just haven't seen it yet.

• 9:07Speaker 03

  Okay, Angie in Indiana wrote in with this one. "I was talked into an annuity from my insurance agent in 2004. I didn't have a great feeling about it, since it was a mandatory buy-in for $50,000, and I said no. I could do $20,000." And he said, since he was looking out for me, he could override it as a favor to me. I called two days later and tried to cancel, and he talked me out of it. So now, in 2025, he is retiring. I hadn't thought about it until I started listening to your podcast. What can I do now, 21 years later, to benefit me?

• 9:44Speaker 02

  Okay, this is a great question. So, you've been in this annuity for 21 years, so you're past any what are known as surrender charges, meaning that you don't have to pay a penalty for exiting from this. First question I'd have is what's it worth now? Has it increased a meaningful amount from the $20,000 you put in? If it has, then maybe your return has lagged where I'd want you to be, but hopefully, it is worth a lot more than $20,000. You can, at this point, you're obviously still working, Angie, or you wouldn't be

• 10:27Speaker 02

  talking, you're not asking me, "How do you use it now in retirement?" You can exchange it for a better annuity, potentially. The hard part is finding somebody who will talk to you about annuities, who will do so as a fiduciary. Fiduciary means somebody who's not a commission salesperson, but somebody who...

• 10:53Speaker 02

  Is knowledgeable and can place you in one commission free that would be an appropriate replacement for this one because once you're in an annuity, basically you're in it. So I would like you to go on Clark.com and look at our guide on finding a fiduciary, someone who legally is bound to do what's right for you instead of what lines their pocket and find out the proper exit strategy into an ultra-low cost replacement for this thing you've been in 21 years.

• 11:30Speaker 03

  Okay, and this is from Jerry in Connecticut. Clark answered a question regarding excess liability insurance umbrella. Clark gave good advice to the person with three and a half to four million dollars in assets and we would all be wise to protect ourselves against schlocky attorneys looking for deep pockets to go after. However, he didn't mention that in many states, IRAs, even Roth IRAs and primary residences are protected against such judgments. In many cases, this would reduce the need for umbrella coverage by 50% or more, depending on one situation. In my case, it's 75% of assets.

• 12:08Speaker 02

  Jerry, what a good point and you know, Connecticut is one of a handful of states that provides near solid protection from lawsuits for IRAs. That's not generally the case across the country. So IRAs in most places potentially are at least part at risk. And oddly enough, there are some states that haven't updated their protections for IRAs to include specifically Roth IRAs where they have old statutory language that protects from lawsuits, traditional IRAs, but not Ross. So this is a dicey area.

• 12:49Speaker 02

  If somebody has millions of dollars in assets though, you're going to know the answer this way because you're going to have sought out the services at some point. Of a lawyer who specializes in wills, estates, and trusts. To make sure your will is done properly to minimize tax exposure and risk at the time you die will know what the use of trusts may be or LLCs in your overall financial picture. And they would also, at that time, be able to give advice specific to your state about what Jerry's talking about, about your risk as somebody with a large amount of assets

• 13:34Speaker 02

  to having any of that money at risk from lawsuits. I had talked, I think, two, three years ago, I talked about a doctor whose daughter was in an at-fault accident where the doctor had bought minimal liability coverage on his vehicles and ended up personally bankrupt from the judgment from court against his daughter, which ultimately was against him because she was a minor, from the accident. Liability coverage is very important as what I call a success tax if you are in a position where you have a great deal of assets.

• 14:17Speaker 02

  And in your case, Jerry, you're talking about you're not at risk as a resident of Connecticut. What happens if you later in life move somewhere else in the country? You decide to move who knows where? Then you got to reevaluate that and make sure that you are as protected in the future as you are right now. But I appreciate so much you pointing out that I ignored the shield that might be there in place in some places for IRAs. I should also mention 401Ks around the country have more protection as a general rule than

• 14:59Speaker 02

  IRAs from judgments coming after that money. Coming up ahead, oh, boy, beef prices are going crazy. It's a real incentive suddenly to become a vegetarian. I'll tell you what's up.

• 15:17Speaker 00

  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.

• 15:47Speaker 01

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 16:17Speaker 04

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• 16:47Speaker 05

  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.

• 16:59Speaker 06

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

• 17:03Speaker 02

  So I was teasing just moments ago about it would be a great moment in life for me to become a vegetarian. I'm not that direction. Although I am very much, is it called a pescatarian now? Since I had my aortic valve replaced. Fish has become a very important part of my diet to keep me ticking, to keep me alive. But I about passed out.

• 17:31Speaker 02

  When my wife, Laine, sent me out weeks ago for a family cookout to buy ground beef for the cookout. And right after that, I see a story in the Financial Times that the cost of beef has hit record highs in the United States. It's because the amount of beef available has reached its lowest level in how long? Since the mid 1950s. Can you imagine? Think how few people lived in the United States 70 years ago. A fraction of the population we have now, which I think is somewhere around 340 million.

• 18:16Speaker 02

  And the beef supply is lower now than it was in the mid 50s. It's because of multiple years of drought in the mountain states and the West. And so, the number of beef cattle way, way down. So, the average price of a pound of ground beef? Now $5.79. That's, I mean, that's a huge amount. And steak? Unreal. So, I go to Costco to buy beef for this family cookout. And I was supposed to buy ground beef.

• 18:55Speaker 02

  But there was a sign, there was a special deal for that weekend on filet. And do I love filet mignon. So, I go over and one pack of filets, and it wasn't that big, was $70. $70. And then, at the checkout, I'd get $10 off. I was like, not doing it. So, I ended up going to Aldi because I'd read a review. About these Aldi Smash Burgers they're selling. And they were so good. And they were a lot cheaper than they were in a regular supermarket, but they were still

• 19:40Speaker 02

  a good amount of money. So, think about this. When you look at the advertising that the hamburger chains are doing, what are they all pushing right now? They're pushing chicken. They're pushing chicken so much, you'd think they were Chick-fil-A. So, that's what people do. Just as the restaurants are product substituting chicken promotions for beef promotions. That's what we do in our own lives. Is we eat more fish, or we eat more pork, or we eat more chicken. It's like a Chick-fil-A slogan, eat more chicken. Anyway. We change what we consume.

• 20:24Speaker 02

  And that's what this is gonna require. Because the cost of beef going crazy. McDonald's reported really bad numbers for the first, sales numbers for the first three months of this year. And it's because they're on a cost squeeze. That the McDonald's target customer is looking for a deal when they walk into McDonald's. And a non-deal deal is when you have to pay a value menu price, or a value meal price, more than 10 bucks. What people in their minds expect they're gonna pay five or six bucks for is now over 10. So. That's the deal.

• 21:07Speaker 02

  Is it's not a deal right now with beef. And you gotta rethink. Eventually herds rebuild, supply becomes more plentiful. But that's gonna take time. In the meantime, you gotta protect your wallet. And Krista, I know you think the whole lesson I should take from this is being a vegetablearian.

• 21:30Speaker 03

  No, that's not true.

• 21:31Speaker 02

  Not true?

• 21:32Speaker 03

  No, I'm really a pescatarian too. But, I mean, I don't think red meat's necessarily bad. And I think... I'm not gonna go into it.

• 21:41Speaker 02

  No, I love that.

• 21:42Speaker 03

  Aldi does sell grass-fed red meat, which a lot of people think is a better choice.

• 21:47Speaker 02

  No, you've always talked about grass-fed.

• 21:49Speaker 03

  Yeah.

• 21:50Speaker 02

  Versus what? What do you feed cattle?

• 21:53Speaker 03

  Corn and all sorts of that kind of thing.

• 21:57Speaker 02

  And that's bad?

• 21:57Speaker 03

  To make them grow fast. I don't know. I'm no scientist, like I've said, but might as well let, you know, it just seems right that they should graze on grass, right?

• 22:05Speaker 02

  Yeah, so, so I gotta talk about how I've had to change my diet. If you're not aware, in December of 23, I had life-saving surgery. I had something called a TAVR, where I had a defective aortic valve from birth, and finally it gave up. And I was dying. And so I had this operation, and then I got two diet lists. One, the things I couldn't eat, which was page after page after page after page. And then the things I could eat, which was this really short thing. Short, short. It was, that was like a pamphlet. The other was like a book. And so I've had to really adjust what I eat, and I've learned,

• 22:49Speaker 02

  I never was into fresh fish, and now I eat fresh fish all the time. And I've learned to really like it.

• 22:57Speaker 03

  That's great.

• 22:58Speaker 02

  And, you know, I used to love going to Chick-fil-A and have a Chick-fil-A sandwich. I can't do that anymore because it has more sodium in one sandwich than I'm allowed all day. Sodium is deadly for my valve. And so now I eat the Chick-fil-A grilled chicken sandwich, which at first, you know, being so oriented towards fried food, having to get used to something that was grilled took a minute. But now I really enjoy eating it. Everything about it, except it's $2 more for that than it is for the original Chick-fil-A sandwich.

• 23:35Speaker 03

  But certainly, certainly healthier, not just the sodium, but having it grilled instead of fried. So that's great.

• 23:39Speaker 02

  Fried isn't automatically good for you?

• 23:43Speaker 03

  So I did bring you in, you know, Costco, I'm sorry I'm going on so long, but Costco has a Kirkland Signature, like organic no salt spice, which I think is delicious. And I brought you a little of it. Did you try it?

• 23:57Speaker 02

  I forgot all about that.

• 23:59Speaker 03

  It's good. I put it on my eggs.

• 24:02Speaker 02

  I forgot all about it.

• 24:03Speaker 03

  Speaking of not being a vegetarian. All right.

• 24:05Speaker 02

  Well, you were for a while, weren't you?

• 24:07Speaker 03

  I was never a full, no, full on. I mean, eggs aren't vegetarian. I've always eaten eggs. So, all right, now we're going to get to the questions. I am really sorry, everyone.

• 24:16Speaker 02

  No, no, I just want you to think how many things we just talked about that people are going to submit is Clark stinks either about me or you.

• 24:25Speaker 03

  I know.

• 24:25Speaker 02

  From us talking about food. Every time we talk about food, we get a lot of Clark stinks. If you want to post one, go to Clark.com/ClarkStinks.

• 24:35Speaker 03

  Come at me. All right.

• 24:37Speaker 02

  What about me?

• 24:38Speaker 03

  No, I think.

• 24:39Speaker 02

  I deserve it.

• 24:41Speaker 03

  LJ in Illinois says, "I'm in my late 60s, in relatively good health, and for all intents and purposes, an elderly orphan. I do have some family, including a son who lives in another state, but has been estranged from the family for many years." That's too bad.

• 24:56Speaker 02

  I'm really sorry about that.

• 24:58Speaker 03

  "I currently own a home with a remaining mortgage of about $90,000, along with sufficient financial assets to last beyond my living years. My question is, because I do not want to leave any portion of my estate to any of my family members, can I arrange to have my home in possessions, along with any other assets, left to a charity of my choosing? I've already contacted a couple of attorneys, but was informed they do not provide a service where they handle the distribution, packing, and selling of property. If I leave a will, name me a charity as beneficiary, will the charity manage everything I leave behind?" And this isn't, I have to say sadly, LJ is not the first person we've heard from in this situation. Like, people write in, you know, at least, I'd say, once every couple of months, saying they aren't sure what to do and they don't have any heirs.

• 25:43Speaker 02

  Right. So LJ, you must have in mind some favorite charities. And if you do, you want to contact the charities. The charity that you'd like to leave your home in possessions to, not your money specifically, but your home in possessions, and tell them, here's the deal, I want to name you as my heir. You'll have to make arrangements to pack and sell my stuff off and do all those things in return for receiving my house and my possessions. And you'll have charities that'll say, okay, we can handle that. And others that'll say, well, that's very nice of you. We don't have that capability.

• 26:27Speaker 02

  You want to interview the charities that you're thinking of donating to at time of your passing and see how they feel about this and do they have that capability? You're not going to have a lawyer who's going to do that for you. It'll be a charity that they might hire, an estate sales specialist to sell off things or whatever. There are these companies that sell off possessions more than just you think of with a simple estate sale, where they handle the inventory, they handle everything. And so you do that and then you have a lawyer prepare the will naming those organizations as beneficiaries.

• 27:09Speaker 02

  I want to make sure though, that you also, you say you have enough assets to make it the rest of your days. I'd like you, if you've got serious assets, I'd like you to sit down with a financial planner, a fee-only fiduciary financial planner, and make sure you have enough assets in the event you need care in your home, or you need assisted living or anything like that. Do you truly have enough money to carry you through a period of your life where you might need extensive care?

• 27:44Speaker 03

  This is from Jay in Georgia, and he's following up on Christopher in Florida's question on the podcast. He says, "I had a similar issue where I bought an expensive item, a dive computer, on eBay from a seller with no feedback. Red flag. I got shipping information and got notice that it had been delivered, but it was not delivered to my address, but another address in the same zip code. Long story short, the seller used a tracking number from an Amazon package going to the same zip code."

• 28:14Speaker 02

  But this was an eBay?

• 28:15Speaker 03

  Yeah, it was an eBay purchase, but they used a tracking number from an Amazon package that was going to the same zip code. After reporting the issue and going to the post office, I was able to find out the actual address associated with the tracking number. I actually spoke with the residents at that address, and they confirmed that they receive a lot of Amazon packages, but they were all computer parts, no dive computer. My speculation is that it may be possible the scammer either works at Amazon or has a friend that works at Amazon, and they can look up shipments going to the same zip code to assist in the scam. I later saw the same item with the exact same pictures on another eBay auctions, and the sellers on those also had zero feedback.

• 28:55Speaker 03

  An additional warning: If you're going to file a claim against eBay's money-back guarantee, wait until the last possible day to file any chargebacks on your credit card. Once a chargeback is filed, eBay will wipe its hands of the whole issue and nullify any money-back guarantee claims. It's in those terms of the guarantee.

• 29:13Speaker 02

  Okay, this is phenomenal, because when we took that question before, we were like, "What in the world is going on?", and you, playing detective, figuring out what the scammers are up to, and it's supposition that it's insiders at Amazon creating this theft cycle. But this is really crazy, and I think the most important thing that we heard from both posts is that when you're buying on eBay, and there's zero reviews of a seller, and it's an item that is selling at what seems to be a really good price, you gotta smell a rat.

• 29:58Speaker 02

  You gotta be really, really careful.

• 30:01Speaker 02

  You have helped a lot of people here, both of you who posted, by pointing out that this is a ongoing scam activity involving purchases on eBay. Now, let's go to the eBay guarantee. The eBay guarantee sounds very impressive. It's very bureaucratic. You have to be very persistent to be successful with a claim on eBay against their guarantee for failure to receive goods. And especially in a case where something shows delivered, eBay treats you, in my opinion, as guilty till proven innocent.

• 30:46Speaker 02

  So you have to be very politely persistent with eBay to get them to honor their guarantee. Wow.

• 30:54Speaker 03

  And this is from Kevin in Iowa. What are the advantages and disadvantages of purchasing stocks through the Robinhood app? Are these investing apps safe?

• 31:03Speaker 02

  Robinhood is safe. Robinhood has been a disruptor. And Robinhood is who you can thank for why so much stock trading now is free. They're pretty much a break things kind of company. Silicon Valley kind of, hey, let's try this, let's try that. And some of their ventures have not worked out so well. But Robinhood is completely safe to use. And it is a deal using Robinhood. For people who use it a lot, using their premium offering is a good idea because of all the additional benefits you'll get from them,

• 31:45Speaker 02

  including really good rates on savings and eventually on a checking account or something like a checking account from Robinhood. Speaking of investing, we're out of time on today's podcast, but I wanted to mention again, my longtime friend and colleague, Jonathan Clements, who was the personal finance writer for the Wall Street Journal forever, who wrote in such a clear way that from novice investors to very sophisticated investors, learned column after column from him. He

• 32:24Speaker 02

  has terminal cancer, and he's come up with a plan to turn our kids into lifelong savers and investors. And so, he's got a new book out, where in his book, you're able to read his most important columns that he wrote through the years. It's great for adults, but it's really designed for younger, early investors to become smart at how they handle their money, not just investing, but through their lifetimes and every day. It's called

• 33:06Speaker 02

  The Best of Jonathan Clements, Classic Columns on Money and Life. You can buy it right now on Amazon, I assume it will be other places, and you're gonna love this. I love this. All the proceeds from the book are going to fund the Roth IRA project. See, I've always said I was the man from Roth, but maybe Jonathan is the man from Roth. And it's all about getting people in the mindset from when they very first start working, to put money into

• 33:45Speaker 02

  a Roth IRA for tax-free growth, tax-free spending way down the road. And Jonathan is somebody I'm gonna miss, because not only has he been a great writer, he's a phenomenal person. And thank you so much for joining us today. You know what we're devoted to every day, is you learning ways to save more, spend less, and avoid getting ripped off.

• 34:22Speaker 00

  They're running a Cover 2 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.