Pod Insights The Clark Howard Podcast 06.27.25 Clark Answers His Critics on Clark Stinks / Savings Rate Vigilance About this episode Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode - Some banks & brokerages are playing games with your money. Clark discusses how to make sure you’re getting the best rate on savings. Clark Stinks: Segments 1 & 2 Attention - Savings Rates: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Are Extended Warranties Ever Worth It? Should You Buy an Extended Warranty for Your TV? Here's How Long Your Home Appliances Should Last 6 Things To Know About Series I Savings Bonds New Treasury I Bonds Yield Just Hit 4%. Are They Worth Owning? What Is Umbrella Insurance and Do You Need It? HSA - Clark.com Capital One Agrees To Major Settlement After Accusation of ‘Cheating’ Customers Best High-Yield Online Savings Accounts High-Yield Savings Account (HYSA) Calculator Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Submit a complaint | Consumer Financial Protection Bureau Wills & Funerals 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: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Transcript 0:04 Speaker 00 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 to make better financial decisions in your life. And if you missed having Clark stinks last week, well, you're not alone. We're back with a fresh edition of Why I Smell. Later, I want you to know about banks and brokerages playing games with your money. But now it's time to hear where you feel I let you down in today's Clark Stinks.
0:47 Speaker 01 I should have never encouraged you to speak.
0:48 Speaker 02 You must think I'm pretty stupid.
0:50 Speaker 03 You should be ashamed of yourself. Well, maybe I'm wrong. Maybe I'm wrong.
0:53 Speaker 04 Maybe you're right, pal.
0:58 Speaker 05 You are one of the top consumer advocates, but none of us are perfect. You may, it may be time to revisit your anti extended warranty bias. It probably came from data and experiencing the warranty Wild West era of the 70s and 80s. The bad actors gave warranties a black eye and they're long gone, partially due to reputation and most likely heavy regulation. Things built in the 80s and beyond are nothing like our parents' products that were quality and used to last. The modern warranty industry only exists due to increasingly cheaply made products and decreasing warranty coverage and honoring by same manufacturers. Many appliance and automakers offer their own extended service contracts. Your stuff will eventually break and some of us don't have the extra money to cover the repair expense.
1:43 Speaker 05 We all carry expensive auto insurance, even though thankfully, most of us will never use it. What's the harm in insuring yourself to cover major purchases? Vern?
1:52 Speaker 00 Vern, thank you very much for this. And I respectfully disagree with you for this reason. The most recent data I saw found that for every dollar people spend on an extended warranty or extended service contract, they get back nine cents in value, the average. That means you're losing 91 cents. Most of the money involved with the sale of extended warranties or service contracts goes to commissions and sales and marketing expenses, not to the actual underlying coverage
2:30 Speaker 00 itself. Now, you bring up one key point, and that is appliances and electronics. Generally, they are not budget busting kind of things when something goes wrong with them. A vehicle, on the other hand, we're talking about a potential budget buster. It's not unusual for a vehicle repair now, for a major component, to be more than $5,000, even $10,000 for the repair. So, the math isn't necessarily better on a manufacturer-provided extended
3:09 Speaker 00 warranty on a vehicle, but it may be necessary for a lot of people because you just don't have laying around in a rainy day account that much money to deal with a big bad oops.
3:24 Speaker 05 Clark, every time you talk about I-bonds, you miss discussing one of the most important benefits. You tend to focus on comparing the rate paid to prior I-bonds or something like a CD. Don't forget the major tax advantages of the I-bond. It accrues interest tax-free from the moment you buy it to the moment you sell it, sort of like holding a regular bond in an IRA. You only pay tax on the total gain when you finally sell. This has major influence on the overall return if you're holding them for the long run. Carl?
3:51 Speaker 00 Carl, thank you very much. Very good point, and I want to bring something up that I talked about about a year ago, and that is, there's a lot of hype right now about the cousin of Series I savings bonds, and those are TIPS, Treasury Inflation Protected Securities. The tax treatment on TIPS is much more complicated than it is on Series I savings bonds. And if you're seeing all these pitches about TIPS, understand that even though TIPS are a great purchase now, a better purchase than Series I savings bonds, you've got to understand the tax implications that also come with them. But a great point, Carl.
4:35 Speaker 05 Clark was talking about savings bonds and how you should convert paper to electric bonds and not send them in the mail, but missed part of the process. After converting them via the Treasury Direct website, you are required to send the paper bonds with a manifest to the Treasury. However, they do recommend sending them via certified or registered mail or via UPS/FedEx, but they must be sent to fully convert them. Dan, and a lot of people wrote in about that.
4:59 Speaker 00 Dan, thank you and to other people who wrote in about the conversion. So FedEx or UPS is how I want you to send them. There are too many operational problems at the postal service right now for you to use them. You're going to have proper tracking and tracing with UPS and FedEx. And let me emphasize again, the problems at the postal service are not the fault of the hardworking postal employees. It is a managerial problem, and I don't see a fix immediately on the horizon.
5:35 Speaker 05 You're a doctor's best friend when it comes to financial advice, but please stop making statements about health off the cuff as you do regularly. Your comment on Dexcom Stilo, I think it's Stilo, glucose monitor is 100% wrong. This is not a new device. It's a rebrand of an existing prescription device, the Dexcom 7, marketed to consumers without a prescription. It does require a small needle in the skin, just like any other available CGM. Abbott also has remarketed their prescription CGM as the lingo available over the counter. My bigger issue with you and Krista is that you tend to get your health, diet, and exercise info from the popular press and not credentialed health professionals, and it's often wrong. Maybe Clark.com should have a medical advisory board like most publications do, or refer
6:19 Speaker 05 listeners to their own health professionals. I love the financial advice, but I facepalm anytime you attempt to answer a health or food question. Ted.
6:27 Speaker 00 Ted, thank you very much, and that is advice very well taken. An example coming up is You know, probably next week, week after, I'm going to talk about the latest on my long-running prostate cancer and my latest tests at UCLA. And whenever I talk about my journey with prostate cancer, we get that similar kind of post from a doctor.
6:55 Speaker 05 Not usually about that because you know so much about your own, not your own prostate cancer. It's really more when we talk about eating, food, other stuff. Yeah. Point taken. I don't truly believe Clark stinks since we live in the same building and I would have noticed the smell in the elevator. However, he did ask the audience if there were any positive attributes to private equity. I have seen several firsthand. As an ophthalmologist who spent years in rural and suburban areas of New England, a region dominated by very small practices, I saw doctors who just retired and closed their offices unable to recruit younger doctors to continue providing care for another generation. In fact, in general, young doctors are now less willing or interested in actually managing practices, signing on
7:38 Speaker 05 to debt and buying their share of the equipment. They want to live in highly desirable locations and enjoy high compensation, but also value more work-life balance. They are reluctant to relocate their families and join a very small practice as it has significant risk compared to a larger organization. As such, the data shows that the average age of physicians in rural areas is much higher than in urban locations with suburban providers being halfway in between. So unless investors enter the market to consolidate smaller practices, patient access to care will suffer. Patients will need to drive further to the nearest doctor, or if a local provider remains, he or she may be unable to invest in the latest technologies. Not saying everything private equity does is good, but you do need to recognize that some things they do are helpful. Brad, your neighbor.
8:23 Speaker 00 Brad, thank you. And so this is an example of where it's so difficult for medical professionals.
8:34 Speaker 00 To set up practices, they've got maybe a mountain of loans from going to medical school, dental school, whatever. And we do have, I mean, you can go back decades and there was a cute movie called Doc Hollywood.
8:50 Speaker 05 Never saw it.
8:51 Speaker 00 And the doctor in the community was aging out and they were trying to recruit a doctor. They couldn't get anybody to come practice there. And that was decades ago. And the problem has only magnified now. And there are counties all over the country that don't have medical professionals in them. They don't have dentists, they don't have eye doctors, they don't have medical doctors of all different kinds. And so, yeah, if you're right, Brad, that lowering the risk and lowering the overhead by private equity owning practices in rural areas will increase the availability of medical practices? I think that's great.
9:37 Speaker 05 Your recent advice on having umbrella insurance of at least your net worth was way too simple and lacked qualifiers that people should consider to avoid being overinsured and paying too much premium. Although it varies by state, umbrella coverage starts with net worth, but can usually be reduced by all or partial values of qualifying retirement plans and all or a portion of primary homestead value. An insurance salesperson might appreciate your simple strategy and not properly advise on types of assets not at risk, Brian.
10:06 Speaker 00 Brian, thank you very much. You know, my thing on liability coverage, umbrella coverage, is that the big problem I've got is getting anybody to buy it. And I guess it's possible there are people who end up overcovered, if there's such a term.
10:24 Speaker 00 Overcovered for liability coverage. The reality is umbrellas get cheaper by the millions. So it's such a minor expense versus the amount of wealth somebody's trying to protect, that I don't want to put any ideas in people's heads where they end up underinsured in case something happens. I mean, it could be something as simple as happens every day out in traffic when somebody's looking at their phone when they should be driving, they have a wreck. If you don't think a personal injury lawyer is going to have a blast with liability risk
11:04 Speaker 00 for you because you were looking at your phone and you caused a horrific accident, it happens. Having proper liability coverage is a success tax. If you have developed a lot of assets over the years, I want you to protect them. As for assets that might be shielded, there are differences by state, whether your home is protected, whether IRAs are protected, 401Ks generally are protected anywhere. But I'd rather see somebody a little bit overinsured than leave themselves exposed underinsured.
11:39 Speaker 05 Your telling of the capital gains tax on gold and silver was not complete. You stated correctly that the metals are treated as collectible and the capital gains tax is 28%, but that is the maximum tax. It is a graduated tax that begins at zero tax and increases with higher income. My wife and I make $60,000 a year. We can sell $61,000 on top of the amount we bought it for, of gold or silver, for zero capital gains after owning it for more than a year. Metals capital gains tax calculators can be found online. Rory.
12:09 Speaker 00 Rory, thank you very much, and that's a very valid post. I just want people aware that gold and precious metals are subject to potentially a higher tax rate on capital gains than traditional stock investments.
12:26 Speaker 05 Clark stinks like that piece of cheese he has forgotten still in his carry-on bag from his recent trip to Italy. T-Mobile does not restrict users to 5 GB of data when abroad. In fact, just like when Clark was a T-Mobile subscriber and would recommend the carrier for international travelers, users still get unlimited data in texting in 215 countries. I've used this for maps, email, and website viewing in over 30 countries over the past five years. What is new is that in 11 countries, T-Mobile now gives users 5 GB of high-speed data, but if you use that up, you still get the normal speed unlimited data for the rest of your trip. And if Clark is really needing more than 5 GB of high-speed data on a trip, then maybe he should take his eyes off his screen and enjoy the country he's visiting. Eric.
13:10 Speaker 00 Eric, thank you very much. So, the T-Mobile normal high-speed is kind of puny. It's not very fast. If it works for the basic kind of things you're doing, and it works for mapping, fine. One thing, I'm glad you posted this because I realized, I forgot last time, most phones will allow you, before you go on your trip, best when you're on Wi-Fi, to download maps, full maps, for the places you're visiting. Anytime you're on Wi-Fi, you're able to do this, and then you don't have to worry about the data use. You already have them downloaded.
13:55 Speaker 00 If you're having trouble with the internet on your phone, you're already going to have those maps. And then when you're in your hotel, and, you know, hotel Wi-Fi is a little sketch, but anyway, you want to delete the maps you don't need anymore and download the new ones, hopefully there's not much risk in doing that over the hotel Wi-Fi.
14:16 Speaker 05 Clark keeps stating that HSA money is completely tax-free. It's not 100% true and just slightly stinky. I lived in New Jersey, and New Jersey taxes your HSA contributions on the way in.
14:26 Speaker 00 Oh, come on, do they really?
14:28 Speaker 05 I believe California also does the same. It's true, it's 100% free of federal income tax, but New Jersey and California tax HSA money going into the account. Andrew.
14:38 Speaker 00 Andrew, if that's true, thank you for telling me, and what a terrible thing. It's like, I mean... That's so uncool that if that really is true in New Jersey and California, did you know also in New Jersey, they tax breathing? You breathe too much.
15:00 Speaker 05 A listener wrote about a financial firm he was with stating how his family has been with the guy for generations. Your advice wasn't the issue. The problem was you didn't tell us the name of the firm. You say over and over how we can learn from each other, but how can we know facts about companies we may do business with if you censor the company name? I guess just that listener gets to learn, but the rest of us are left out in the cold in the middle of spring. I absolutely love the show and now my wife listens too. Clarky for life, Greg. And somebody else wrote about that too. Why don't you give the company names?
15:31 Speaker 00 So there are times that it's appropriate for me to give the company name and times that are not. I'm trying to remember the firm in this case. I only faintly remember, and I think it was a particular, one that is not considered to be scammy, but is very high cost. But it's always a tough decision when I name a firm and when I don't. Do you remember who it was in that case? You're going to write it down?
16:03 Speaker 05 You want me to say it?
16:03 Speaker 00 Go ahead and say it.
16:04 Speaker 05 Edward Jones.
16:05 Speaker 00 Okay. So Edward Jones is a respected financial institution. They're also high cost in my book. So if you have somebody you really have trusted over the years, you've liked what they've done at Edward Jones, just know that they, among several other companies, are expensive to do business with. And so over time, the expenses you pay end up having a real effect on how much money you have later in life when you retire. Again, they are a legitimate, respected company, but they are high cost. So I hope that helps.
16:50 Speaker 00 I mean, there was nothing bad about Edward Jones in that, and maybe I should have named them at the time. But it is a higher cost firm to do business with. Coming up ahead, speaking of organizations that I pick on a lot, the banks. Well, let me share something straight ahead, how the banks can actively cheat you. But by the way, they're not alone. Some of the brokerages do too.
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18:04 Speaker 07 Restrictions apply.
18:06 Speaker 00 I want to give an update on the Capital One situation. You know, Capital One was trying to get approval for their deal with Discover and hanging over them was the crooked, dishonest, rotten, terrible behavior by Capital One with their savings account. And their savings account called the 360 savings account originally was a great deal paying a way above normal rate of interest compared to traditional big banks. And Capital One is a big bank. So Capital One fought and fought and fought for years when they got caught red-handed cheating their customers.
18:48 Speaker 00 What they did was they had the 360 savings account that started paying a tiny amount of interest, even though it used to pay a big one. But then they had all these signs about the 360 performance savings account paying the old much higher interest rates. So they were running. Two accounts with almost identical names. There were emails that leaked internal communications that showed that they specifically designed having these two accounts to cheat existing account holders. And after fighting and fighting and fighting for years, Capital One didn't want to mess up their purchase of Discover. So they said, okay, we're going to make everybody whole.
19:32 Speaker 00 So they're paying nearly half a billion dollars in restitution to former 360 account holders that'll be made full. But this is the kind of stuff you've got to be aware of. And again, this isn't just the banks. You need to know that I've talked about Schwab and Fidelity playing these games with money that their customers have in savings money market where they'll have a variety of choices available. Some pay puny amounts of interest if you do nothing. Others pay very high rates of interest on your savings. So you have to act on it if you're with Schwab or Fidelity to make sure you're getting the good money, not the puny money.
20:17 Speaker 00 Now, let's talk about the banks. What this uncovered is a fact. Most banks with physical branches pay teensy, tiny amounts of interest. Even today, as little as one one hundredth of a percent. While at the same time, the banks are charging their credit card users 25%. So you're lending the bank money at basically zero that they then lend out at 25%. Great deal for them, bad deal for you. It's so easy, though, now for you to have an online savings account with an online bank. We and many others put out a current list, see what the best rates are on those.
21:02 Speaker 00 And if you are at Fidelity... Or Schwab, you have to manually move your money to a good account rather than their crummy account. It's your money. It's your choice. You worked hard for the money that you you have there because you're living on less than what you make. You want that money to then make more for you and do that. Vanguard customers, owners, because you own Vanguard when you have an account, you don't have to do the games. They pay a decent rate right off the bat. No games or gimmicks. I have to mention, because I'm hearing from so many people who have the Capital One Venture X, which you've heard me talk about,
21:45 Speaker 00 and Capital One recently has made anti-consumer changes in the Venture X with new restrictions on lounge access coming with the card. And pay close attention, if your renewal is coming up for your Capital One Venture X, it's a, you know, high annual fee card, to see if it's still going to be worth it for you to have the card with the new restrictions on lounge access, which is one of the things they've touted so much. And only the big spenders on Venture X still get pretty much unfettered lounge access for you and your
22:27 Speaker 00 friends with you or family members with you. If you spend, are you sitting, a minimum 75,000 a year on your Venture X card, if you're not spending that much, you have lost most of your lounge privileges.
22:44 Speaker 05 Okay.
22:45 Speaker 00 It's a lot about Capital Ones in the news, a lot lately, aren't they?
22:49 Speaker 05 They sure are. Sendu in Georgia says, I have a question regarding how to pursue an issue with one of the big banks. We've opened checking and savings accounts late last year, and part of the account opening, they were running a $600 bonus promotion. After meeting all the requirements for both accounts, we received only half of the bonus for the checking account in January. We reached out to the bank in February, and they stated that the remaining bonus will be deposited in April. What's odd is that their promotional materials-
23:16 Speaker 00 The check's in the mail.
23:18 Speaker 05 Promotional materials says it will be deposited after 60 days from the opening the accounts. April is way past and the 60 days. Anyway, we gave them the benefit of the doubt and waited until May. Once we reached out in May, we were given bogus reasons about why we did not qualify for the second part of the bonus. Very disappointing and deceiving. We did file a complaint with the BBB. Any other steps we should take to make sure the bank is going to fix this?
23:42 Speaker 00 Yeah, the banks generally don't care about the BBB, but they do care even now about complaints filed at consumerfinance.gov. I would do that. And you may or may not have an ability to complain with your state banking regulators, your state department of banking. You can just Google it for your stay, it'll be easy to find. File a complaint against them with the bank. Even if they say they won't act on it, they'll send the complaint unlikely to the bank. You want to do pressure points all over. This is really stupid of a bank to lure you in with a bonus to try to get you to put a big deposit with them and then say, "We were just kidding about the bonus."
24:27 Speaker 00 I mean, it completely defeats what they're trying to do, which is to capture a new customer and get you for potential multiple lines. This is a regional bank. It's what's known as a superregional. They're not a small bank. They're not one of the giant monster mega-banks. And they have had a lot of regulatory problems. They've had a lot of violations of law over time. So a complaint to consumerfinance.gov and your state banking regulators may bring a new level of attention from the bank that they need to give you the money because they need to give you the money because that's what they promised you.
25:11 Speaker 05 Stephanie in Ohio says, "I'm hoping you have some advice regards to an unfortunate situation my neighbors and I are dealing with. I live in a nice new construction neighborhood that has been developed in development for over 10 years. There are currently around 25 houses here. There are 50 vacant lots. The developer has a contract with a builder who owns approximately 40 of those lots."
25:32 Speaker 00 Wait, wait, wait, wait, wait, wait. I got to go over that math again. This is crazy. In this housing market with such shortage of housing, there are 75 lots in the neighborhood.
25:44 Speaker 00 Only 25 houses have been built and this has been going on for 10 years? This is crazy.
25:51 Speaker 05 The developer has a contract with a builder who owns approximately 40 of the remaining 50 lots. Their contract reads that this particular builder has sole building privileges. No other builders can build here and the owner builder is not willing to sell or develop these lots. He has built three houses which have been sitting on the market for three years.
26:09 Speaker 00 What?
26:10 Speaker 05 He has these listed for sale and also leased to own. They are listed at absurdly high prices that would never comp and refuses to negotiate to sell the properties when someone is interested. The neighbors have collectively banded together in hopes to try and ban leases through the HOA. However, the HOA document states that lot owners have voting rights and 75% vote is needed to amend the HOA. We don't have any control to change the HOA. Upon researching this builder, it's clear he's a crook. Multiple lawsuits against him and I don't believe these leased to own structures are above board. The city says we are at risk of becoming a blighted neighborhood. This is a beautiful neighborhood with house prices in low 500s to 700,000 dollars being overtaken by a crook.
26:53 Speaker 05 We are concerned about property values and potential crime with vacant houses sitting. Is there anything we can do?
27:00 Speaker 00 Stephanie, this is terrible, terrible, terrible. I was thinking back that my very first book in 1993, I've written 10. My very first book I wrote about the problem of buying a home in a just developing neighborhood. Because if things go bad in the neighborhood like this with undeveloped lots, you have no idea what's going to happen from there and what it does to your value and your neighbors' values that have been paying for these wonderful homes you live in, in what you hoped was going to be a beautiful completed neighborhood and sits there in a mess.
27:45 Speaker 00 Your neighborhood needs to get active. You need to create, you can't, you don't control the HOA, but you can set up your own. Separate association of owners with no authority over the neighborhood, but you use it as a way to push political and administrative levers. You need to be organized, the 25 of you here, because your wealth is at risk. Your safety is at risk. And you need to be a common presence at any board hearings. Anytime a property becomes derelict, you need to be filing complaints.
28:27 Speaker 00 You need to become well-known to your city commissioner or council member, or whatever it is. And you need to see if you can get that city councillor out to walk the neighborhood with you and see the problem and see if there's anything that the city can do to compel this developer to get going. I mean, you may, may or may not have the ability with the city council to get a vote through to ban any kind of bill to rent in the neighborhood or lease to own, which can be a real problem in a neighborhood at the price point you're at with what could happen in your neighborhood.
29:12 Speaker 00 So the 25 of you have a common stake in protecting your safety, your values of your home. And that's why you need to organize your own separate organization that is an advocacy organization for the owners.
29:30 Speaker 05 I would also try to contact a local TV station or two and see if they're willing to do a story on it.
29:35 Speaker 00 That's a great suggestion.
29:37 Speaker 05 Break the person out if they really are a crook.
29:38 Speaker 00 That's a great suggestion as well.
29:40 Speaker 05 And Trevor in Colorado says, "I'm trying to figure out if it's worth filing a 1040X for my 2021 tax year. I missed a credit and overpaid by $800. However, I need to submit my original 1040 documents, worksheets, etc., which I do not have. I stumbled across this because I made a mistake with my state taxes in the same year. And when reviewing my records, I realized the miscredit. I have corrected the mistake and paid the state $4,000, but I'm thinking that $800 will help offset that $4,000 bill. Is refiling worth the effort? And will the IRS help with this?"
30:13 Speaker 00 $800? I'd say it's worth the effort. 1040Xs are very common. I've had to do them many times. Simple process. If you don't have your records, if you set up an account for yourself at IRS.gov, you will then be able to access what the IRS has from you, which may involve some, not just your 1040 for the 21 year, but also some supporting documentation. And I'm trying to remember.
30:44 Speaker 05 There's a Form 4506 with the IRS that you can file with them as well to get a copy of your tax return via mail. So if you don't have an online account.
30:55 Speaker 00 But I think it would be better in this case for Trevor to set up.
30:59 Speaker 05 Yeah. If they can go, I don't know if they'll be able to go back that far through the online account. They say definitely last year's taxes. So we're not sure.
31:07 Speaker 00 Okay.
31:07 Speaker 05 But the IRS has pretty clear instructions on there.
31:11 Speaker 00 But you know, I have a lot of different businesses and stuff. So I've had to do amended returns again and again and again. And it's almost like a routine for me.
31:22 Speaker 05 Yeah. Okay. And then I wanted to read this one here. It's not a question, but really important, I think. Bill in Delaware wrote in with this. I wanted to share with you and your listeners, the importance of having end of life conversations even at a young age. My wife recently passed at the age of 59 of a sudden and devastating illness.
31:40 Speaker 00 Really sorry about your loss.
31:43 Speaker 05 However, she had left me a book filled with everything I needed to know about her final wishes and her advanced directives. I cannot tell you the relief I had when I opened that book and had all the answers that I needed to give her the send off that she wanted. I know these are uncomfortable discussions to have with your loved one, but I'm here to tell you as a living testament that these discussions made incredibly trying time a lot more easy. Thank you for all you do, Bill.
32:09 Speaker 00 Bill, thank you in the time of your personal suffering. You took the time to write this. And I know it's hard for people. They always put off discussing anything about when they or their partner, wife, husband, whatever, is trying to share with you what they want.
32:29 Speaker 00 At the time of their death, or share with you what you're talking about with clear financial instructions. It's very, very important to do this. Bill, I'm going to stop right there because what you said was so heartfelt and so clear, and you have no idea how many people you're going to help who are now going to get around to doing it. And I appreciate it very much, and I hope that you have the support from family and friends to deal with your very, very hard loss. And thank you so much for joining us today. I hope that you have a wonderful weekend in front of you.
33:12 Speaker 00 And I want to tell you what a pleasure it is for me that you spend part of your day with Krista and me and your fellow listeners and viewers as part of this podcast and YouTube show. And we're all part of Team Clark. This is exactly a perfect example of it from Bill, who is reaching out to be of help to you. And that's what I love about what we do with Clark Stinks and everything else we do at Clark.com and Clark Deals and our newsletters and social media. It's all about empowering each other, serving each other.
33:55 Speaker 00 So you can save more and spend less and avoid getting ripped off. And we'll be at your service on Monday.
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