08-14-26 Clark Answers His Critics on Clark Stinks / Essential Documents

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, to protect your young adult and give your family peace of mind, there are critical legal and financial forms every teenager should sign at age 18. Setting up these documents is simple, inexpensive, and essential for any family navigating the transition to adulthood. Taking a few minutes to put these protections in place today can save your family from unnecessary hardship when it matters most, as Clark explains. All this and more on the August 14, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Essential Signings: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What's the Best Thermostat Setting for Summer To Save Money? 5 Major Bills You Can Lower This Month - Clark Howard Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet Are Extended Warranties Ever Worth It? - Clark Howard 3 Financial Documents Everyone Should Have by Age 18 What Do I Need To Do To Make Sure My Financial Affairs Are in Order Before I Die or Become Disabled? Why You Should Never Use a Debit Card To Pay for Anything Clark.com resources: Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Submit your opinions or questions: Ask Clark. Learn more about your ad choices. Visit megaphone.fm/adchoices

• 0:00Speaker 00

  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.

• 0:27Speaker 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.

• 0:42Speaker 02

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

• 0:44Speaker 03

  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. It's time for my weekly dose of education from you on our Clark stinks segment. And later, if you have a child who's nearing 18 or a young adult, I got something I want to talk to you about. It's serious, unsettling, but we got to talk about it and that's coming up later. But right now it's time to hear how I'm stinking it up.

• 1:28Speaker 04

  I should have never encouraged you to speak. You must think I'm pretty stupid. You should be ashamed of yourself. Well, maybe I'm wrong. Maybe I'm wrong. Maybe you're right, pal.

• 1:37Speaker 05

  All right. You feeling good about yourself?

• 1:43Speaker 03

  Sure.

• 1:44Speaker 05

  Okay. Let's, let's start with Sheri in Virginia. Clark, my husband and I lived in Southeast Asia for a decade. And with that in mind, I'm going to say that you stink like, I'm going to mess this up. Raflesia Arnaldi. Actually, I confess, not really, but now I have your, that I have your attention. I recently read your article about the ideal thermostat settings for both day and night. I was genuinely surprised to learn that a nighttime temperature of 68 degrees was recommended, especially coming from such a self-proclaimed frugal role model. As someone in my late 50s who has spent many recent nights sleeping poorly because I was simply too warm, I immediately went home and shared this revelation with my husband. He of course was skeptical.

• 2:27Speaker 05

  He comes from a long line of dedicated frugalists. When he asked why we should follow this advice, I told him that if this proved correct, it would give us confidence that all the other advice we get from the Clark Howard Show is worthy of our trust. Another relevant detail I must include, our mattress has an app that tracks our sleep and gives us a nightly sleep score. My husband was a C student at best. I, on the other hand, had been an A student naturally. So drum roll please, after adjusting the thermostat to 68 degrees, I'm delighted to report that my husband has now earned a B status with the occasional A plus night. As for me, I now find myself a bit chilly at night, but that's easily solved by scooting closer to my husband.

• 3:08Speaker 05

  So he might have reason to argue that Clark stinks because your advice has cost him some square footage on our king sized mattress. Thank you for your uplifting podcast and the many great tips you share.

• 3:19Speaker 03

  Okay. So, all right, the thing with the thermostat, I've been convinced that when it's time to go to bed, you should turn down the thermostat for your health, that people sleep much better and it's better for your health if you have the bedroom kind of chilly at night, even though it's going to run up the power bill some. But that the value of a better night's sleep, doctors will tell you of all different types, that sleep is one of the key variables for better health. And I didn't know that the body responds better and you sleep better at a temperature in the 60s.

• 4:04Speaker 03

  Did you know that?

• 4:05Speaker 05

  Oh, I sleep with mine at 68. I turn it down right before I go to bed and then turn it back up immediately when I get up. And it saves, in the winter, you don't have to heat as much. So that's good, right? Depending on what climate you live in.

• 4:18Speaker 03

  That's true. That's true. So it's all about that great night's sleep. And you got your grade. Your report card says it's true. What's the stink in that? Them costing them more money?

• 4:29Speaker 05

  Maybe.

• 4:30Speaker 03

  Okay.

• 4:31Speaker 05

  I thought it'd be a fun one to start with. Okay. Lou in Ohio says, as you point out on Clark.com, residents of several states are free to shop around for the best natural gas reach because their energy markets have been deregulated. This is true in my state, Ohio. The problem is the vast majority of my monthly bill, close to 85 to 90% stems from charges I have no control over, so-called delivery charges. Yes, I can shop for lower rates, but the savings will be minimal. You might want to revise your article to make this point clear.

• 5:00Speaker 03

  Lou, thank you. What a great point. In the states that have deregulated power supplies and you choose, a lot of them that have an open market for natural gas, the regulated utility that delivers the natural gas and are responsible for the pipelines often is most of the bill. You said 85 to 90% though, is that, that's higher than I would expect. And so the value of shopping obviously is reduced for you in the state of Ohio.

• 5:33Speaker 05

  Bummer. Dennis in Oregon says, this incessant praise and defense of Costco has gone far enough. Your recent answer to Sheri of Ohio who complained about the interest rate increase on Costco's credit card had enough stinkos to fill a cesspool. Stinko 1, you said there isn't anything Costco can do about it as the rate is controlled solely by Citibank. Not true. Costco recently renewed their contract with Citibank. I wonder how much the interest rate would have increased if Costco had refused to renew after threatening to take their business elsewhere unless Citibank capped their interest rate at a reasonable level. My guess is that conversation never took place. The caller was right. Does Costco really care about its customers?

• 6:17Speaker 05

  And stinko 2, the caller said she pays off her account every month. You should have pointed out that although the letter said the interest rate will increase, it won't affect anyone who pays off their balance. Stinko 3, while you're at it, and especially with interest rates so high, you should be advising people to go there only with a prepared shopping list and purchase only what's on the list. Too often I see people walking out of there with one, sometimes two, full shopping carts after falling prey to Costco's marketing and packaging geniuses. The best way to avoid high interest rates on the Costco card is to buy less and only what you need.

• 6:52Speaker 03

  Dennis, you know, you're right. I gave Costco too much of a pass on the interest rates being so high on the Citibank Costco Visa card. Completely true. Second thing I thought I did say is that most Costco shoppers pay their balances in full and are not affected by the interest rates on the card. Third, you're completely right. The Costco rule, you go in there to buy one thing and you come out with 200 bucks worth of stuff is the magic of Costco's merchandising geniuses. So my rule is I only shop in stores with concrete floors. That's rule number one.

• 7:37Speaker 03

  Number two, I don't get a buggy or a cart. And think about the carts at Costco. They are the size of a tractor trailer truck. I mean, they are so big that big cart invites more and more things into it. So I walk around without a cart. I have what I can carry in my hands. And if I pick up an impulse item, something else has to go back. So if I'm buying something heavy, like drinks of some kind or household stuff like detergent or whatever, I do that at the end. I get a cart at the very end. So my impulse items are only what I can fit in my arms to reduce how much money I'll spend there.

• 8:21Speaker 05

  So I go to a gym that shares a parking lot with Costco, which is dangerous.

• 8:26Speaker 03

  Are you one of the people illegally parking in the Costco parking lot instead of in the garage for that gym?

• 8:32Speaker 05

  No, there is a line, there's a line where you're supposed to, it says Costco customers only, even though I'm off in both, which I was last night. I took a class, but I parked in an appropriate spot and I needed dog food. So I went in, I had to get a cart because I knew I was just getting dog food, which is very heavy. I went straight to the back of the store. I didn't pass go. I saw something on sale that I, that I often use. I just ignored it. I got the dog food.

• 8:55Speaker 03

  You started to say the word need and you changed it to use. Okay.

• 8:59Speaker 05

  It's toilet bowl cleaner. So I feel like that's a need over time, but I was like, I'm just here for dog food and I managed to do it. I heard you in my head. All right. Beth Ann in Alaska says, you mentioned about a request about Visible to turn on wifi calling to improve reception. What if they don't even have internet at home? I've used Visible since September of 2019 after switching from Republic Wireless, both because of Clark's wonderful recommendations and I haven't had internet at.

• 9:27Speaker 03

  Late great Republic Wireless. Remember them?

• 9:30Speaker 05

  Mm-hmm.

• 9:31Speaker 03

  Oh, they were a discounter before discounting was cool.

• 9:33Speaker 05

  I know. They're in the Clark graveyard. Okay. I haven't had internet at my abode since because I can hardwire my laptop with my charging cable in order to work, hotspot my tablet to watch and listen to the NFL Network, all while my phone is playing sports or finance podcasts for just $25 a month. What if they're just as thrifty? Ultimately, is there and has there been a degradation in service with Visible? Might've been the ask as well. Cheers.

• 10:01Speaker 03

  Thank you for that. And yeah, I really glossed over the fact that more and more people use their cell phone as their internet connection at home. They don't have a home internet connection. And that's fantastic if that works for you in your life. If on the other hand, like the prior posts we had, if you're not getting a good signal at your home, that's where you are going to have to have home internet and run your phone off of it so you can use your phone. So it's the reverse scenario in that case.

• 10:40Speaker 05

  David in Kentucky says, Clark, while I 99% agree with you about your recent segment on extended warranties, you missed that 1%. When it comes to cell phone warranties, you stated that if you really wanted a warranty for your phones to use a credit card that gives it for free. Well, I absolutely agree. I did it myself. All of the big three cell phone companies charge you more to use a credit card. $5 a phone. If you have four phones, a family plan like us, that's $20 a month, we can just save. Because if you use a credit card to pay.

• 11:10Speaker 03

  Right, right.

• 11:11Speaker 05

  Yeah.

• 11:12Speaker 03

  I use a cellphone carrier that doesn't charge a discriminatory price, at least not yet, for using a credit card. And I really forgot that more and more of the cellphone carriers charge you a junk fee, which I actually support for using credit cards. Because of a conversation we had another day on Wednesday about how the Visa, Mastercard, American Express cartel is charging Americans the highest credit card fees in the world. And this is for merchants, which we end up paying for. So passing those costs on to

• 11:50Speaker 03

  us, I'm all for. So that then creates a direct conflict between what I said about using a card that provides cellphone coverage, insurance as part of it, versus having to pay the fee. That's one you got to weigh the simple dollars and cents.

• 12:10Speaker 05

  And this is all just if you've purchased the phone through the cellphone company, right? Because if you just purchase it separately with a credit card and you have a cellphone problem, you can then use that card's?

• 12:19Speaker 03

  It depends on how that credit card coverage works.

• 12:24Speaker 05

  Okay.

• 12:24Speaker 03

  Yeah, you're right. If you just buy a phone and you use that card to buy the phone, I would assume with most of the plans, you'd be covered just that way.

• 12:34Speaker 05

  Matthew in Georgia says, Mr. Clark, words simply cannot describe just how badly you stink. You poo-pooed all extended warranties. Somehow you equated a warranty on a TV to that of a vehicle. To your credit, you mentioned manufacturer-backed vehicle warranties as being okay. Third-party warranties can indeed be great. As an example, I have a truck with 175,000 miles on it, and your beloved consumers report peg transmission as an issue. Fast-forward nine months and boom, out went my transmission. The warranty company covered it all minus the deductible of $50. That one repair, according to my shop, would have cost over $5,000, and I paid under $4,000 for the warranty. Second example, my wife wanted a fancy car,

• 13:17Speaker 05

  so we bought her a used Lincoln Continental. This time, I used another bank, another insurer, I guess, bought through a bank. While some of the overly fancy features went wonky, they paid 100% of all repair costs, prompting the dealership to tell us they've never seen an extended warranty as good as ours. Cost of the wonky features to fix, $3,200. Cost of the warranty, $1,500.

• 13:40Speaker 03

  All right, Matthew, I got to thank you very much because it's great to hear from somebody who actually got a third-party warranty on a vehicle or service contract and had it actually pay off. Because on the TV side of my life, we get complaints, it seems, every single week from people who bought a third-party warranty and got no help from the warranty company. It is a terrible, terrible problem because people need their vehicles to get to work. The companies stall, they won't authorize repairs, or they go through what's known as a bust-out, where they've collected a lot of premiums and they

• 14:22Speaker 03

  vanish in the night. You gave two examples from two different independent warranty companies that both worked out for you. I think I need to find out the, what are those things called? The Power Ball?

• 14:36Speaker 05

  Yeah.

• 14:37Speaker 03

  Big game. I need to find out the numbers I should play because you obviously win in life's lottery.

• 14:44Speaker 05

  Right.

• 14:45Speaker 03

  Most people don't win in the independent extended warranty lottery.

• 14:50Speaker 05

  And the dealership said they've never seen one as good as?

• 14:52Speaker 03

  They did say that, right?

• 14:54Speaker 05

  Yeah. Brian in Florida says, Clark, in your latest anecdote about your in-laws purchasing a Tesla, you continue to perpetuate the falsehoods that Tesla's full self-driving is to be used as advertised. It is neither full nor self-driving. The human is in control 100% of the time. Do you think your 80-plus-year-old in-laws have the reaction time to intervene when FSD disengages a split second before an incident? This isn't serious as in you might nick yourself a few times if you use your razor too many months. This is serious as in you might kill yourself or someone else if a listener believes the falsehoods that you perpetuate. As of today, there's only one personal vehicle OEM authorized to operate in the United States, Mercedes-Benz. It is only authorized for use in geofenced

• 15:38Speaker 05

  areas of California and Nevada. Pronounce any way you wish, this is inconsequential to someone's life.

• 15:44Speaker 03

  Thank you very much. So, all right, so Brian, I will tell you that the Tesla FSD is not autonomous. And I drive on FSD all the time. It is much safer over the miles than a human driver. It is completely not my opinion. There have been studies that show that the automated systems are much safer than a human driver. Now, there was just a study about Waymo that is fully autonomous. And Waymo, the accident rates are so teensy-tiny

• 16:26Speaker 03

  versus human drivers. And every time Waymo has some kind of software glitch, everybody is complaining about autonomy. The reality is, we need to get the humans out from behind the wheel when technology is safer that's going to save precious lives. Right now in the United States, we tragically have each year over 40,000 people who don't come home from a trip on the road, a trip around the corner, a trip to work, whatever, because humans are inattentive behind the wheel. They get tired, they get distracted, they

• 17:11Speaker 03

  look at their phones, whatever. No, Tesla's automation is not perfect, but it makes me much safer on the road than I would be otherwise. In the case of my in-laws that are getting closer and closer to 90, it was a matter of giving up driving completely, which was a choice they didn't want to make, or putting them in a situation that they chose to go into, that they're much safer for themselves and other people because of the fact that your reaction time slows over time, your vision is not as good, all the things. I

• 17:50Speaker 03

  would say that it is a great alternative for someone to use the technologies that are going to become more and more prominent in the United States and already are more prominent in many other countries in the world. And maybe I'll be proven wrong, but the stats seem pretty clear to me that it is a much safer way to drive than me as a human doing everything. And I know people freak out about the idea of turning that control over to the vehicle. But I think that for people who are zero to nine, they're never going

• 18:35Speaker 03

  to know anything else other than automation in driving a vehicle. And I think it's going to make them much, much safer. And parents aren't going to worry as much about when a teen gets his or her first driver's license, what kind of danger they may face. Just my thought, and I appreciate your passion as well. Coming up ahead, we're going to talk about teenagers. And something that parents need to think about is their kids get closer and closer to adulthood.

• 19:08Speaker 00

  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.

• 19:37Speaker 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.

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• 21:25Speaker 03

  If you're a longtime listener or watcher of the podcast, you may remember a story I told almost three years ago that happened with my son, who needed medical care. And he just turned 18. We were locked out of any practical ability to deal with his medical condition. Thank goodness he was conscious and was able to say, yeah, yeah, yeah, you talked to my parents, whatever. But the thing is, life is different now than it used to be. And at 18, if you go back three generations and before, people were on their own, completely on their own.

• 22:08Speaker 03

  We don't live that kind of life anymore. I mean, my goodness, the percent of people in their twenties living under their parents' rooftop in the United States is, I forgot, we had that stat a month or two ago. Is it 70%? Something like that. So our relationship with our kids is different. And we, the law recognizes them as adults at 18. We recognize them as adults at fill in the blank. And that's why there's that term I love to use, emerging adults. So, I mean, it's been three years. I thought it'd be a good idea, just very quickly, before we go to your questions, to say again, why it's important

• 22:53Speaker 03

  that when your kid has their 18th birthday, they do a durable power of attorney for healthcare in a HIPAA form that allows release of medical information. So I got to tell you the funniest thing. I have a pharmacy benefits manager plan through my health coverage. And somehow, when we did it three years ago, they got it backwards. And it gives our son HIPAA permission on us, but doesn't give us permission on him. But he's not taking any scripts. So it doesn't really matter. I just thought that was funny, that they got it completely backwards. But doing durable power of attorney for healthcare,

• 23:36Speaker 03

  which in most states is a simple statutory fill in the blank form. If something happened to your young son or daughter, and they were not able to communicate, could be an accident of some kind, whatever, an illness, an emergency situation, having that durable power of attorney for healthcare, which again, normally a state statutory form. You just go online, find it printed out, it's free to do. Your kid signs it. And while you're at it, if you don't have one on your life, this is an opportunity for you to get that in place so that you have a loved one who you designate to speak for you in the event of a medical emergency,

• 24:20Speaker 03

  when you can't speak for yourself. So I'm talking about it with my kid, who's 21 now. But when he was 18, it became an issue, bam. And so doing it takes just a couple of minutes. The HIPAA release allows for sharing of information so that you're not held behind a HIPAA wall. And simple to do, easy to do. And please just get it done. Remember, if you haven't put one in place for yourself, get it done. Krista?

• 24:57Speaker 05

  Greg in Utah wrote into you and said, when it's time to pay for college expenses from a 529 plan, is it better to pay the school directly? Pay me, the owner of the 529, or the beneficiary, my daughter? My daughter is in the lowest tax bracket. 100% of the money is for qualified expenses, and tax time simplicity is a goal.

• 25:18Speaker 03

  Greg, it's so easy you can't imagine. Having put money in 529s forever, now having totally emptied one of the plans, because each of my three kids have 529 plans. All I did was, and it's very simple. I paid the university tuition, the fees that are eligible. Then you go online with your 529 provider. You pull out the exact amount of money you paid the school. The school sends you a form, and you keep that for your tax records. And so it is a non-taxable event. You don't need to do anything like giving money to your child.

• 26:02Speaker 03

  In some cases, I found it to be a hassle with the plan I had. You can potentially pay direct to the school from the plan. Don't do that. Just pay the money, take the reimbursement. Take the reimbursement first, if you want. It's just got to be in the same calendar year. And that's a key thing. The money, the reimbursement you seek, needs to be same calendar year.

• 26:26Speaker 05

  Dave in Washington says, I received a referral from my physician to a sleep clinic. When registering for the appointment, the sleep clinic wanted me to put a credit card on file that they would charge for the remaining balance that insurance did not cover. If we chose not to leave a card on file, the provider would charge the estimated leftover balance after insurance before the service occurred. When I expressed my reservations about having my card automatically charged and my plans to negotiate any remaining balance lower, the desk worker agreed to remove my card because I was only expected to pay the $25 copay. When I was sent home with an at-home sleep test, the front office lady said I would owe $250 if I didn't bring the device back, but she would not keep my card on file.

• 27:10Speaker 05

  Is this going to become a new normal for medical clinics? And what would my actions be if an office isn't willing to work with me in the future?

• 27:18Speaker 03

  So I do not leave my card on file with any medical or dental practice I use. I allow them to, like my dentist's office, they run an estimate of what I have got. Dental insurance is not the most comprehensive thing out there. But they'll run the estimate, and they say, this is your part. I pay it. And occasionally, I'll owe them a balance, or they'll owe me money. And I just wait till the next time I go and settle up with them. Whatever arrangement you work, the one you don't want to do is have a card on file with a medical provider.

• 27:58Speaker 03

  Because more data breaches happen at medical providers than anywhere else. They are lousy at the back office stuff, and their systems tend to be vulnerable. And so criminals love hitting medical providers, hospitals, you name it. And so many people have credit cards on file. You're giving the criminals what they want on a silver platter? Don't do it. You know, the other thing I don't want you to do? Put your social security number on any form, at any time, at any doctor, dentist, lab, whatever. Do not list your social security number.

• 28:43Speaker 03

  Leave that blank.

• 28:45Speaker 05

  Gordon in Oregon says, Clark has often talked about the dangers of debit cards, including the ability of a bank to take money out of savings and other accounts to pay for a debit card transaction when the primary account has insufficient funds. He's also talked about the utility of the Schwab debit card attached to a Schwab checking account, especially for overseas use, because it has no transaction fees. My question is, if I have a large amounts of money in a Schwab brokerage, could Schwab start draining my brokerage account to pay for charges racked up on a stolen or compromised Schwab debit card?

• 29:18Speaker 03

  Absolutely, absolutely. And that's why Schwab, like most everybody now, either on their app or on their website, allows you to lock your card. So what I do is I leave, you know, I have to have the one with the, it's a Visa logo on that. So I lock it, because I only withdraw money from ATMs a handful of times a year, like probably four or five times, not a lot. And so it's a real simple thing for me to unlock it and allow use. If your card is ever misplaced, or you think it was stolen, or you know it was stolen, you go on the app, you go on the website of whoever your provider is,

• 30:03Speaker 03

  you should be able to lock it. And that would prevent a criminal from using it in any circumstance. But make no mistake, a criminal gets a hold of your debit card. It is a pain, because the money, bank, credit union, brokerage, whoever, your money vanishes. You have to fight with your own financial institution to get your money back. That's why you freeze these cards, except when you know you're going to use one.

• 30:33Speaker 05

  I would also recommend most cards allow you to set an online, a daily spending limit and daily cash withdrawal limit. So keep those, you know, low, I would say, as well.

• 30:43Speaker 03

  How low?

• 30:44Speaker 05

  I mean, it depends on the person. Like how much money you're going to take out of it? You know what I mean? But, I mean, I would set mine at $100, you know? Because, and I never take cash out either. But if I needed to use it in an emergency, maybe I'd $100, and I'd want to unlock it. But I think that's one more fail-safe thing you can do.

• 31:02Speaker 03

  It's so funny how important ATMs used to be for travel, even within the United States. You needed cash. And now, you don't even need plastic. That's why the big market in wallets for men and women now are these tiny wallets. Because people don't have to carry all the things they used to have to carry, and namely, cash.

• 31:27Speaker 05

  I just use it for tips. That's the only time I use cash, so.

• 31:30Speaker 03

  I've noticed that a lot of people in places where you would have given a cash tip now, say, I accept.

• 31:38Speaker 05

  They have the Venmo codes. If they have that, I do that.

• 31:41Speaker 03

  The Edsel, whatever.

• 31:42Speaker 05

  But some places, like the place where I go for my nails, they like cash tips, so I give them cash.

• 31:48Speaker 03

  And do you get a good deal on getting your nails done?

• 31:51Speaker 05

  Nope.

• 31:51Speaker 03

  No? Okay.

• 31:54Speaker 03

  That is something.

• 31:55Speaker 05

  I don't go to a fancy place, but I like the small business that I go to.

• 31:59Speaker 03

  I think as a guy, I don't know what the deal is. The idea that it would be relaxing to sit in a chair and have somebody do my fingernails or toenails just seems like the weirdest thing.

• 32:11Speaker 05

  Don't knock it till you try it.

• 32:13Speaker 03

  I'm not going to try it.

• 32:14Speaker 05

  There are men in there getting pedicures when I'm in there. They soak your feet, you get a massage.

• 32:21Speaker 03

  Okay.

• 32:21Speaker 05

  Okay.

• 32:22Speaker 03

  Okay, have fun.

• 32:23Speaker 05

  Field trip.

• 32:25Speaker 03

  No, it's not. Well, if I go, I'll drop you off and pick you up later. I'll go to Costco and not use a cart. Well, thank you so much for joining us today and this week. Hope you have a wonderful weekend in front of you. And I hope that you put your empowerment to work, that we give you here on our websites, our newsletters, our social media. If you're in a market where you watch me on TV or listen to me on radio, the whole idea is to gather knowledge, whatever way works best for you, so that you're in charge, so that you have information that protects you and that allows you to make more in your life

• 33:10Speaker 03

  or spend less in your life. I'm twisting our whole thing. Save more, spend less, and avoid getting ripped off. And go enjoy your weekend, and we'll serve you on Monday.

• 33:25Speaker 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.

• 33:37Speaker 02

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

• 33:40Speaker 06

  We just moved into our new house, and I didn't realize just how close we were to the neighbors. That's when my friend told me about Blinds.com. Blinds.com isn't a medication, but it can improve how you feel about your home. Customers who shop at Blinds.com experience excellent customer service, from consultation to installation. Side effects include increased privacy and better sleep. Talk to your partner today and see if Blinds.com is right for you.

• 34:05Speaker 07

  Shop Black Friday all month long at Blinds.com. Don't miss huge deals dropping every week.