Pod Insights The Clark Howard Podcast 07.01.26 Clark Smart Franchising / Pharmacy Options For Rx Savings About this episode Considering entrepreneurship via buying a franchise? Clark shares his most important rule before investing your hard-earned money: go work for that franchise first. Instead of relying on the sales pitch, spend several months on the job learning how the business really operates, what challenges owners face and whether the opportunity lives up to the promises. Taking this important step could save you from making a costly mistake and help you become a smarter entrepreneur. Also, Clark discusses the expansion of TrumpRx, a government prescription price comparison resource that now includes hundreds of additional generic medications. With prescription costs keeping many Americans from filling the medications they need, Clark reviews several ways to save money on prescriptions, including Costco, Sam’s Club, Amazon Pharmacy, Walmart, Mark Cuban’s Cost Plus Drugs and charitable programs that may provide free medications. He also explains what to do if you need an expensive brand-name medication and can’t afford it, including exploring manufacturer patient assistance programs that could help lower your costs.
Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 1, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark.
Please note: No new episode on Friday. We wish you a safe and Happy Independence Day!
Franchise Entrepreneurs: Segment 1
Ask Clark: Segment 2
New Savings On Meds: Segment 3
Ask Clark: Segment 4
Mentioned on the show:
Clark Howard’s Advice Before You Buy a Franchise
What Is a 403(b) and How Does It Work? - Clark Howard
6 Things To Know Before Contacting the National Foundation for Credit Counseling
10 Ways To Save on Prescription Drugs - Clark Howard
How Can Discount Drug Apps Offer Such Big Savings on Prescription Medications?
These Pharmacies Offer $4 Prescriptions - Clark Howard
How To Comparison Shop Drug Prices Before Your Doctor Sends in a Prescription
Will Mark Cuban's Prescription Company Really Save You Money?
What Is Disability Insurance and How Does It Work? - Clark Howard
How To Buy Term Life Insurance in 7 Easy Steps - Clark Howard
Clark.com resources:
Episode transcripts
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Clark.com daily money newsletter
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1:20 Speaker 02 It's my pleasure to welcome you here to the Clark Howard Show. Now, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. It's July. This week, we celebrate one of my favorite days, the Fourth of July. I'm going to talk more about that at the end of this episode. I'm also going to talk about something kicking off today that I love so much, you being an entrepreneur. Specifically, I want you to think about owning your own business and give you benefits and risks of going the franchise route.
2:01 Speaker 02 And later, prescriptions continue to be a huge expense for so many of us. I want to talk about new ways for you to save. So franchising is how a lot of people see as a path to become entrepreneurs. And franchise shows are especially popular at a time like this where people feel a little dead-ended in the job they're in. They don't feel like they're progressing. They may lose a job and they can't find something else. They think, okay, I'm going to buy an insta-business. And I want to tell you, franchising can work, but a lot of times, all you want to believe
2:44 Speaker 02 and all you're ever hearing is the pitch from the salespeople trying to sell one. And you get into something that you're like, well, this isn't at all like they promised me. I want to tell you my most important rule for you if you're considering buying a franchise. And that is, if there's something you're hearing the siren song of, you're thinking, hey, that may be for me. I want you anonymously to go to work in one. Go to work in a location of that franchise, not as somebody who you're talking like you're going to maybe go in the business. No, I want you to get a job. I don't care what you're doing.
3:29 Speaker 02 I don't care if you're cleaning the bathrooms. I want you in the place. I want you to see what it's really like before you make a huge decision in your life that financially could be a real setback for you if you got bamboozled. I want you to know how it really works. And if you realize right away, I don't know what I was thinking, then you're far wiser without being poorer. But if you think, hey, I could get into this, I'm asking you to spend six months working there. Six months.
4:11 Speaker 02 Because I want you to learn on somebody else's time and somebody else's dime.
4:18 Speaker 02 And then later, if you decide you're going to buy one, you're going to know what questions to ask. You're going to know what's baloney they've told you, what actually works, what things you see going on there that you're like, "Well, that's not how I'm going to do it. I'm going to do this other thing." Learn upfront, not in the school of hard knocks. Really important. You know, I was reading a story in The Economist about the first franchise owner that anybody knows of, who became a billionaire by being a franchise owner. It's a guy who went to a real brainiac school, Stanford Business School. You know, the people who go to Stanford Business School,
5:02 Speaker 02 they're like the people who go to Wharton School at Penn, Harvard Business. They're looking for jobs in finance, on Wall Street, with a startup, with stock options. And this guy, Greg Flynn, you may have seen one of the stories about him. He came out of Stanford Business School and bought a restaurant franchise, and then another, and then another, and then another. And now, he owns 3,000 outlets around the country, across seven different brands. Actually, he's in three countries. And he's a billionaire, from owning just regular old restaurants, fast food, casual dining, that kind of thing.
5:46 Speaker 02 And so, he's like something that people are holding Greg up and saying, "Look what can happen to you." And great for him. And you know, he's one of those people who probably would have been successful wherever he ended up. But he was able to, as a very young guy, to end up being crazy successful. And now, as he's in middle age, he's a billionaire. Franchising usually doesn't work like that.
6:16 Speaker 02 And that's why it's so important that you do your homework upfront. And when you're looking at something, try to draw on your history, your education, your experience in what you did before. Look for something in a business that works with those strengths. A lot of people mid-career burned out of what they did. They discount what they know and they look at this as like a fresh start, completely different kind of thing. The best chance for success is when the training, experience and education you have
6:59 Speaker 02 mold together with the business you want to be in. More often than not, though, if you follow my idea, the first franchise you go in and surreptitiously work in will not be the business you end up being in. Take advantage of that opportunity to see the real story, not what they're showing on the internet, not what the testimonials show you and not what the brochures say.
7:30 Speaker 03 Okay, you ready for questions?
7:31 Speaker 02 I'm ready.
7:32 Speaker 03 Paul in Texas sent this one in. Hey Clark, I'm about to start a vending machine business. I already have personal accounts at SoFi. I would like to use another online bank for my business account. Have you heard of the online bank Relay Bank? And if so, what are your thoughts? When I read everything online, everything seems good, especially the way their systems smoothly integrate with Intuit for accounting and bookkeeping. Any advice or other online bank recommendations would be greatly appreciated. Thanks for all you and your team do to educate us.
8:04 Speaker 02 Okay, so the story with Relay, we have never had a question about Relay before. I know about Relay because I've been very curious about, banks usually rip off small business owners on banking services. And Relay is by using online, which is so much cheaper to offer, they give you better deals than you're usually going to find at a regular bank. I have no experience because we've never, never had a question about Relay.
8:39 Speaker 02 I have no idea if the customer service has been good, if people are finding them to be a well-run and operated organization. With the business, what's so important is if something goes wrong, are they prepared to help you make it right, even if it was something you messed up on? So I can't say, yeah, you should go use it. I just know that architecturally, from the ground up, what they offer is, from the dollars and cents standpoint, is superior to what entrepreneurs usually find at a bank. And it's geared towards people from, you know, one-person companies on up.
9:22 Speaker 02 I wouldn't say they do midsize or large companies, but smaller organizations is who their profile is on.
9:29 Speaker 03 Marie Anne Tennessee says, "Many of my friends and I have worked for nonprofits for a long time and are wondering what the best way is to handle our 403Bs. Should we move this money to Roth IRAs? What are the risks or benefits of this? We are mostly in our mid or late 30s and will likely stay in nonprofit for at least another couple of years."
9:50 Speaker 02 Okay, so if you go into a Roth, you're probably in a pre-tax 403B. You would be creating a taxable event, Maria, and you'd have to be able to handle the tax bill. What I usually recommend to people with, let's face it, most 403Bs are garbage. By garbage, they have obscenely high commissions and fees and usually very inferior investment choices. And I don't understand, to this moment, I still don't understand why the Congress has not done anything to level the playing field for teachers and people who work at nonprofits, a lot of hospitals, stuff in 403Bs.
10:34 Speaker 02 But not all 403Bs are junk. So usually what I recommend is that you move your money that you can move to a low-cost provider, 403B plans.
10:46 Speaker 02 Most plans with TIA are lower cost. Sometimes you can move them to Fidelity. And there's a website that can help you so much and will answer your questions. 403BYs.org. 403B as in Bravo, Ys.org. And I just long for the day that we don't disrespect our teachers and people who work for charitable organizations and punish them with these trashy, inferior retirement plan choices that they're afforded in 403Bs.
11:28 Speaker 02 There's no reason that they and they alone, people who are teachers and work for nonprofits, should be sentenced to these inferior plans. I don't get it.
11:41 Speaker 03 Jonathan in Florida says, Hello Clark, I wrote you a while back. I'm the guy who at one point had 33 bad debts and three car repos. I'm just writing in to give an update. I'm still doing well with my credit. I was just able to secure a $25,000 loan at 10.69% to purchase four acres of land. I'm still doing all this on a $60,000 budget. I still have the same old truck, contribute $250 a month to a Florida deferred comp, and I'm still putting money in my FRS 401K. It has been a long road and I'm still going. I appreciate all your advice and knowledge. It took me a while, but I will be a landowner at 40.
12:23 Speaker 02 Congratulations.
12:24 Speaker 03 To those struggling, make a plan and keep it. I know it's hard. It takes a while. From the time I had bad credit until now, it's been 12 to 15 years. If I could do it, so can you. If you are not sure what to do, look for a credit counselor. Most counties offer or have one. Good luck and Godspeed.
12:43 Speaker 02 Jonathan, I want to thank you so much for taking the time to write because right now... Defaults on credit cards are rising through the roof. A lot of people in severe financial distress and they don't know that there's a way out. They don't know that there's a path to healing their credit and being able to see something with their finances other than the darkness of the moment. And I want to tell you, there is hope. There are legitimate places you can turn for help. And Jonathan, how you're progressing, I mean, think about what you've been through financially,
13:24 Speaker 02 that 33 bad debts, three car repossessions, and now you have turned things around so positively in your life. If you're looking for a legitimate credit counselor, you have a family member or friend who is struggling with the anxiety and burden of debts, I want you to go to NFCC.org, National Foundation for Credit Counseling, NFCC.org. Find a legitimate credit counselor near you and see if they can help you work out a plan that will work for you. Coming up ahead, I want to talk about how much easier it is now to find information
14:09 Speaker 02 on lower-cost prescription drugs and actually be able to buy them for about 80% of meds that people take. The costs are actually headed down if you know where to look.
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16:40 Speaker 02 Buying more affordable prescriptions is something that a lot of people need to be able to do because so many people don't. Fill prescriptions. They don't take the recommended dosage because they're trying to stretch the number of pills they have over a longer period of time. And ultimately, the problems with pricing on prescription drugs can end up significantly harming someone's health, or maybe even costing them their lives. So I'm so excited about all the ways that people can find their way to cheaper medicines. I've talked over and over again
17:23 Speaker 02 about buying prescription drugs at Costco Wholesale or Sam's Club. The way they price is different than the traditional pharmacy industry, and it makes a big difference in your wallet. And you don't have to be a member in order to get the prices that you get at the warehouse clubs. Although you may get a little bit lower price if you are a member. And at Sam's, there are a lot of prescriptions that you get for free as a premium member of Sam's. So just being a plus member can easily pay for itself in being able to get prescriptions for free. But there are a lot of people, whatever circumstance,
18:08 Speaker 02 that those things aren't going to work for them. What about free? I want to mention that in certain places around the United States, the Catholic Relief Organization, Society of St. Vincent de Paul, provides free prescriptions, free, to people who wouldn't be able to afford them otherwise. In some cases, they even offer free delivery of the medicines to people who qualify in areas of the country where St. Vincent de Paul does that. And then Mark Cuban's discount drugs, cost-plus-discount drugs, where they sell you the drugs at their cost plus a small markup,
18:51 Speaker 02 and the number of prescriptions they offer are greater and greater and greater. Amazon is a potential viable alternative for potentially lower costs on prescription drugs. Not always, but a good place to look if you're an Amazon Prime member. And Walmart is a huge seller of prescription drugs.
19:15 Speaker 02 But wait, there's more. There is a government clearinghouse that the president put his name on, TrumpRx.gov. You go to TrumpRx.gov/browse and they list hundreds and hundreds and hundreds of different drugs. And then you can click on that drug if it's one you take, and it will show you the prices available at different places. And so there are so many different ways now for you to find a better deal on prescription meds. However, if the drug you
19:52 Speaker 02 have to take is a brand name that is just crazy dollars, and you cannot afford that medication, and that medication could be something that saves your life, and it's like a ladder that starts on the second floor, you can't reach it. What do you do then? Drug manufacturers overwhelmingly, not everybody, but as a general rule, drug manufacturers offer patient assistance plans for people who qualify under the income rules of that particular pharmaceutical manufacturer. Many run their own programs where you can get
20:37 Speaker 02 a crazy expensive name brand drug at a greatly reduced price. Now, they're not doing this out of altruism. They're trying to relieve some of the strong public backlash and political pressure with our brand name drug prices being five to 20 times the cost of what they are in other countries in the world. And so it's kind of like a pressure release that the drug manufacturers offer these programs. And so you got to search for them. And so there's a particular drug with one of those crazy names no one can pronounce or spell. You type it in on a search engine and you say blah, blah, blah, brand, you know, brand
21:22 Speaker 02 drug, patient assistance plan.
21:26 Speaker 02 And our program and you'll see whatever the manufacturer is offering, how it works, how you apply for it. And in addition, if you're at a doctor and the, you know, doctors, you know, they're, they make more money than most people on average, and they may not be sensitive to how difficult a burden the cost is of a medicine. A lot of times a doctor's office, if you say, gosh, I don't think I can afford that drug. The doctor or the head nurse in a practice may have a referral card they can give you that gives you the ability to get that patient assistance plan price on that med.
22:09 Speaker 02 So going without meds, bad idea. Not paying a good price for meds, really a bad idea, too.
22:18 Speaker 03 All right. Pedro in Georgia says, I purchased both an accident policy and a short-term disability policy from one of the insurers in 2011. I've been paying the premiums continuously since then, about $56 per month for one policy and $24 per month for the other. My question is whether it still makes sense to keep these policies. After all these years, I've invested a significant amount of money in premiums. The main reason I purchased them was because I'm a self-employed hairstylist and I wanted some financial protection in case an accident or illness prevented me from working. Fortunately, I've remained healthy and haven't needed to use either policy. Given my situation, what would your advice be?
23:02 Speaker 03 Do you think it's worth continuing the coverage or should I consider other options?
23:07 Speaker 02 Okay, so I'm not big on the accident policy, but I'm a big believer in disability insurance. In your case, you're looking at short-term disability, which often is defined as 180 days, although it will depend on the contract language in yours, what it covers. So you're spending, I don't know which one is, you said 56 and 24. I don't know which one is which, but the accident policy. I don't recommend keeping it. Having disability insurance as a self-employed hairdresser sounds like a great idea. Before you continue to pay it, though, I want you to look at the
23:47 Speaker 02 policy itself and see what are the requirements for you to qualify for disability? And do you have to take any kind of job? Or is it not being able to do the job for which you earn your living being a hairdresser? So if the terms and conditions seem okay, I like you continuing the disability policy. On the other hand, let's talk about family. Don't know who's dependent on you. You have family members who are dependent on your income. I'd much rather you take the money you've been paying on an accident policy and look at buying a level term insurance policy to provide for the needs of your loved ones
24:32 Speaker 02 in the event of your untimely passing.
24:36 Speaker 03 Mark in Connecticut says, where can I find a reliable guide or information for the purchase of an affordable drone? I want to inspect the roof of my house and the chimney and gutters. We've had this one before.
24:48 Speaker 02 Yeah, I don't know of who, there's nothing like Consumer Reports for which drone you should buy. So a lot of the technology sites review drones. And you're going to have to pay for one that would probably be able to hover well, give you the video you're looking for. I think you're talking about for a good one, about 500 bucks.
25:16 Speaker 03 Wow.
25:16 Speaker 02 That seems too much.
25:18 Speaker 03 It seems like it to me. Like, I think I would just rather pay an inspection for an inspection of my roof and gutters, maybe not by a roofing company, but by an inspector. I think a linear inspection might cost a lot less than a traditional one, don't you think?
25:32 Speaker 02 Yeah, I mean, that may well be true, but I'm thinking of other things. I mean, there are teenagers that are doing these drone businesses where they're charging.
25:45 Speaker 02 A lot less money than it costs you to buy a drone, Mark. So if you don't have kids, you probably have a neighbor, friends, kids, whatever, who are very adept with drones and can go up and shoot video for you. My son, when he was in high school, used to do drone videos for people. And, you know, as a high schooler, he was happy with the money he was getting. But more important, the customers were really happy that that's all they were having to pay him because he wasn't charging a lot. I mean, buying your own, if that's the purpose of it,
26:26 Speaker 02 I think you're much better off renting a teenager's capabilities than buying your own.
26:31 Speaker 03 I wouldn't even know what to do with the video with my roof. I definitely need someone to tell me what was wrong.
26:36 Speaker 02 What you're looking at. Well, you know, the drone roofing companies now routinely
26:42 Speaker 03 Right, they use it, I know.
26:43 Speaker 02 Use the drone video. And, you know, the whole thing, what is a hammer find a nail? You know, that
26:50 Speaker 03 Yeah.
26:51 Speaker 02 They're going to say, oh, well, you know, depending on the company, they might say.
26:54 Speaker 03 Well, that's why I was thinking like a home inspector instead or something.
26:57 Speaker 02 You could, but I still love the, I mean, you can be standing right there with the teen while they're hovering over your roof and check out the roof section by section. You'll know if there's shingles missing or things like that. You don't trust me on that.
27:13 Speaker 03 I wouldn't. No, I mean, maybe you would. I just know I wouldn't. Like, there's flashing, there's all sorts of stuff I know that they talk about.
27:20 Speaker 02 I'm sure we're going to hear feedback on that anyway.
27:24 Speaker 03 Tony in Georgia says, what is the best portable wifi on the market? I travel 75% of the year around the world. I'd like Thailand, Vietnam, Japan, the Philippines, Australia, New Zealand, Indonesia, the USA, Europe, South Africa, and the Caribbean to be covered.
27:42 Speaker 02 Tony?
27:44 Speaker 02 I think by far the best for you is a portable Starlink unit. I have a niece who uses a portable Starlink unit all over the world. Speaking of my son, I was just talking about him a minute ago. One of his friends who lives in multiple countries during the course of a year, he and his family always travel with a portable Starlink device. The internet reliability is fantastic. The speeds are great. The price is really good. You know, most people historically would buy a local data only SIM when they got somewhere.
28:24 Speaker 02 But if you're traveling 270 plus days a year, I think absolutely the portable Starlink unit is far and away the best answer you could use for reliable Wi-Fi. And the prices for what you get seem to me really reasonable compared to other possible options. I'd love to hear if you do get a Starlink, if your experience is like I've heard from others. Now, we are not going to have a new episode Friday because we're taking Friday as a Fourth of July holiday.
29:07 Speaker 02 This is a significant Fourth of July. It's our 250th anniversary. And I'm going to step into something I normally would be shy talking about, but having been around for our 200th anniversary and the unified joy around the United States over our 200th anniversary, there's a different mood right now in the United States at our 250th.
29:35 Speaker 02 Overwhelmingly polling shows Americans are unhappy with the direction of the country. They're pessimistic about the country's future. They worry that their kids are going to have a really unhappy future in the United States. And I want to tell you, we have had times in the past that people felt sour about the country. People felt pessimistic about the future. And people right now in the United States are more divided than we've been in a long time. But we have survived worse and we have thrived again and again in this country when people
30:17 Speaker 02 feel like our best days are in the rearview mirror. I remember there was a time in the early 80s that Americans felt in many ways like they do now about the future being so downcast and downbeat. This July 4th, I hope you'll take a moment to reflect on the great things this country represents, the great things that it's done, the amazing progress that we have brought to the world over time. And yeah, we may be in a bit of a rough patch right now, but I believe in the American experiment.
31:00 Speaker 02 I believe in what we have here. And it's great to just reflect on the positives of what this country has. And no, not in your own life. Things are not always perfect, right? There are good times and there are bad. And we may be in a down cycle right now, but I do believe that we will emerge again.
31:28 Speaker 02 As a positive beacon and an optimistic land as an example to the rest of the world. You enjoy the 4th of July, enjoy your barbecue, if you go to the lake, you enjoy the lake, whatever it is that will bring you time with family and friends this holiday weekend. I hope that it is absolutely wonderful and take a moment to reflect on how this country has set such a great example in so many ways for the rest of the world for 250 years.
32:08 Speaker 02 And yeah, there are things we've done in this country through history that weren't the greatest, right? And you don't hide from that, you don't ignore it, but you look overall and what a wonderful place it's been my privilege to be born in and live. From a family of four immigrant grandparents, I feel most privileged, grateful and thankful to live in these United States. And I'll be with you next week.
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33:15 Speaker 04 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.
33:27 Speaker 05 Price and participation may vary. Promotion pricing may be lower than meal pricing.
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