Pod Insights The Clark Howard Podcast 08.01.25 Clark Answers His Critics on Clark Stinks / Amazon Price Changes About this episode Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, a Christmas pricing preview - and word to Amazon Prime loyalists about new pricing, and cheaper alternatives. Clark Stinks: Segments 1 & 2 Amazon Price Changes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Never Mail a Check / What Is FedNow? What Is a Roth 401(k) and How Does It Work? Social Security Survivor Benefits Amazon Raised Prices on Hundreds of Essentials After Trump Unveiled Tariffs Amazon Prime vs. Sam’s Club: Which membership is a better deal? Walmart+ Membership Program: 4 Things To Know Best Credit Cards to Use at Walmart in 2025 The Platinum Card® from American Express Review: Is It Worth It? What Is a Fiduciary Financial Advisor and Do I Need One? 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
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1:05 Speaker 02 It's my pleasure to welcome you here to the Clark Howard Show where our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. And happy Friday to you. It's that time of the week when you get to air your disappointment with me, with advice I've given, things I've said in our weekly Clark Stinks segment. And later, I got a special price warning for you about shopping at Amazon versus Walmart or Sam's Club for everyday kind of items.
1:47 Speaker 02 Amazon has cranked up the prices, but right now it's time to crank up your complaints with me in today's Clark Stinks.
1:58 Speaker 03 I should have never encouraged you to speak.
2:00 Speaker 04 You must think I'm pretty stupid.
2:01 Speaker 05 You should be ashamed of yourself. Well, maybe I'm wrong. Maybe I'm wrong. Maybe you're right, pal.
2:13 Speaker 06 Okay, Clark, my man, buy a bike from a reputable bike shop, not online, perhaps from Facebook Marketplace. Bikes from big box retailers are unlikely to even be assembled correctly. But then spend another $20 on a brightly colored safety vest and a bright taillight. These could very well save your life. JP.
2:36 Speaker 02 What did I say about bikes before? I don't remember this.
2:40 Speaker 06 It must have been something about saving money on a bike, like, you know, that you bought a bike at Walmart or somewhere like that.
2:47 Speaker 02 Well, which I have. I've bought very cheap bikes. I don't ride a bike for speed or for distance. I just ride a bike for fun. And so I've never been someone who felt that I needed to go to a bike shop. Lane feels completely differently, though. It feels like you, JP. Lane went to a real bike shop and bought a bike and it has outlasted two of my cheap bikes. So.
3:21 Speaker 06 There you go.
3:22 Speaker 02 Yeah.
3:23 Speaker 06 All right, Clark, you don't stink anymore because you've recently redeemed yourself with the Aldi Smash Burger suggestion. A few years back, when you suggested the Dollar Tree meat for a dollar each, I tried them. I totally remember that. Yuck. They tasted worse than the package they were wrapped in, and they were so thin that you needed to buy at least three to even see them in a sandwich. To say I was reluctant to try another quote unquote meat suggestion from you would be an understatement, but I value your opinions over the years and try it again. As it turned out, the Aldi Smash Burger was a smash hit. A great tasting, decent sized burger at a great price. Just curious, though, did you really like the Dollar Tree meat? Thanks for all you do, Dawn.
4:05 Speaker 02 No, no. In fact, on TV, we did a test of the Dollar Tree steak. It was a little teeny steak for a dollar. Yeah, it was not very good. That was true. But the Aldi Smash Burger, wow, I love those. It's hard to find them because they're so popular, they sell out, and you go there and you're like all prepared to buy them, and it's cleaned out.
4:32 Speaker 06 All right. On a recent podcast, Clark advised never sending a check through the US mail. On the same podcast, he talked about using qualified charitable distributions to reduce required minimum distributions. But the two favorite children I use both require QCD checks to be sent by US mail. Vanguard's website indicates that once I request a QCD for a charity, Vanguard will send a check via US mail and then I mail the check to the charity. That's two opportunities for stolen checks. Schwab provides a QCD checkbook to reduce the stolen check opportunity to one. Richard?
5:05 Speaker 02 So, Richard, this is just nuts. You know, the Federal Reserve came up with a system called FedNow to eliminate this problem. And I don't know what's going on in the nuts and bolts behind the scenes, that the big financial houses and the big banks are not using it as a way to send money because it eliminates the problem of all the check theft in the mail. I am terrified of ever sending a check in the mail because it's where criminals are concentrating and a stolen check went stolen. It's unbelievable what a hassle it
5:48 Speaker 02 is. Remember, I told a story a couple of months ago about people whose distributions from retirement plans were being sent by a check. The checks were being stolen in the mail and then they couldn't get their own retirement money restored by the financial house that was managing the 401k. Bad, ugly.
6:08 Speaker 06 Clark, you really missed it with the carry-on discussion. Outside of the United States, a major factor in carry-on is weight. Depending on the airline and region, the weight limit can be as low as seven kilograms or 15 pounds for a carry-on. At that amount, all the usual packing hacks fail and the weight can be almost completely consumed by a few electronics, toiletries, chargers, etc. It doesn't matter what the dimensions of the bag are if you can't fill it up due to weight restrictions. Airlines don't always weigh, but sometimes they do and as a result, it's impossible to plan ahead. You also missed a great opportunity to talk about using the cargo vests to redistribute heavy items. Daniel?
6:45 Speaker 02 Daniel, thank you. So that was pioneered by a company called Scotty Vest that sells a bunch of clothing for men and women that has inside it all kinds of pockets. So what you're wearing doesn't count as your carry-on allotment. And so a lot of people who travel in Europe and Asia because of weighing the carry-on bags, wear their clothing, wear their stuff, particularly electronics. Like I've noticed, a lot of the Scotty Vest stuff now is designed to carry your electronics in one of their jackets that are different weights for different seasons. But you can carry the most stuff during the cold weather
7:28 Speaker 02 season when you can hide so much more in a puffer-type jacket in all these inner pockets. But yes, it is true. It's a big thing now in Europe, particularly that they weigh your carry-on bag and they give you the big no on being able to take it. And then they hit you with their highest charge for a checked bag, doing it at the last minute. Completely true.
7:58 Speaker 06 I talk about the show nonstop, my poor friends, am I right? And I'm not sure if Clark stinks on this one, or if it's me. I heard Clark say on the show that to be eligible for a Roth IRA, you had to make upwards of 500K per year. When I look it up, this is what it says. Married filing joint returns less than 236,000. I love the show. Such a positive force in an otherwise divisive media environment. Bethany.
8:25 Speaker 02 Bethany, thank you. All right. So what I was talking about in context of that was not the income limits for doing a Roth IRA, which by the way, there aren't any if you don't have a retirement plan at work. You're not subject to the income limits. And almost half of us don't have a retirement plan at work. So regardless of what you're earning, you're able, if you don't have a retirement plan at work, to do a Roth IRA. What I was referring to was the Roth 401K, that unless you're an ultra-high-income earner, in most cases, something close to half a million a year or more for a married couple, maybe 300,000 a year as a single individual.
9:07 Speaker 02 When you're given the choice at a workplace of contributing to a Roth 401k or a traditional 401k, you want to do the Roth. Tax rates are unusually low today on income we earn at a job. And the Roth gives you the ability for your money to grow tax-free in a 401k and spend it tax-free in retirement, where there's all kinds of complications with traditional 401k money, not just the tax later in life, but also what other federal penalties the Congress has dreamt up, like for people on Medicare, who have to pay a lot more for Medicare
9:49 Speaker 02 if they have tons of money in a traditional 401k.
9:55 Speaker 06 You don't stink, but you recently said in one of your Clark minutes that the Roth IRA forces you to live on less than you make. Can you clarify? Just because you do a Roth IRA, it doesn't mean that you live on less than you make, or am I missing something, Eric?
10:07 Speaker 02 Eric, okay. So this is the whole idea, live on less than what you make. So let's say you make, let's just keep it really simple. You make a hundred bucks. If you spend that hundred bucks on current living, you're living on exactly what you make. If you use credit cards and you're running interest, you're spending more than what you make, right? But if you, in that hundred bucks, you take, let's say, 10 of it, and it goes into a Roth IRA or Roth 401k, or it could be a traditional of either, you're now living on 90 cents, $90 out of every 100, 90%.
10:50 Speaker 02 If you're then putting money aside in a rainy day account, let's say you put $5 out of every 100 in a rainy day account, now you're living on $85 of every 100 you make. So that's what I mean. When you defer current needs, current spending for needs in the future, that is living on less than what you make.
11:15 Speaker 06 Clark recently said that $19,000 a year can be given with no tax implications. That limit is just the amount that can be given without reporting the gift to the IRS. The actual limit is a lifetime limit of over $13 million. There is no good tax reason for the grandmother in question to stretch her gift out over five years, as Clark suggested. She should feel free to give it all in one year and then file a simple tax form to report the gift against the lifetime limit. Brian.
11:41 Speaker 02 Brian, thank you. And the advice I gave before was based on the possibility of the estate tax going back to a much lower limit. But the tax law, the new tax law, means that's not an issue anymore. And right, you just file the gift return, unless you're Daddy Warbuck sitting with tens of millions of dollars out there that somebody will inherit someday, but will pay 45%, I guess, estate tax on the amount over the $13 million. Unless you're in that kind of category, what you said is completely right now, under the new tax law.
12:25 Speaker 06 I cannot say you stink, but no, I do detect an odor. Today, I heard you answer a listener's question about whether or not to tip when getting a takeout order. Let me share my daughter's story. She's a hostess at a local restaurant. She picks up the phone calls, writes down the orders, runs them back to the kitchen, gets them back from the kitchen, and when they're ready, then she serves them to the waiting customers with a smile. Because she's a hostess at a local restaurant, not a chain, she gets no tips at all. So she's grateful when someone comes to pick up an order and throws in a dollar or two. If everyone did that on a typical night, she'd walk away with at least $10, and that would definitely make her smile. Not sure about chain restaurants, but at local ones, you might want to give that hostess an extra dollar or two for the double duty she pulls. Patty.
13:06 Speaker 02 Patty, thank you for that perspective. And I want to mention something else. There's this thing that people used to carry called cash. And if you slip somebody cash instead of writing on a slip, then you know they actually got the money. When you write a tip on a slip, you don't have any idea what's going to happen with that gratuity you write in, who it's going to go to.
13:35 Speaker 06 And similar, same note. Clark, you stated that you observed customers tipping habits at a carryout bagel shop. I too like to people watch. But when it being carryout orders, isn't there a chance they paid and tipped online? You didn't spend much time on your story, but it left me considering that detail, which is something you lack in many of your explanations.
13:55 Speaker 02 Thank you for that.
13:55 Speaker 06 I still love the show, Michelangelo.
13:58 Speaker 02 Michelangelo, thank you for that. And yeah, so leaving details out, sometimes it's suppositions when you hear me talk about something. And you gave a perfect example about why we do Clark stinks, because we all tend to filter things in a way that what we see is not necessarily the whole picture. And I appreciate you sharing a perspective beyond that, just as before about, hey, what's happening to her daughter with doing all the work for the takeout orders? And how important it is when her daughter gets that tip that I hope again is in cash.
14:41 Speaker 06 Okay, and this is some additional information for our caller. Clark, you don't stink, the caller's situation really stinks. I too was a widower with a three-year-old and an eight-month-old. In addition to the advice you gave, please advise the morning dad to contact the Social Security Administration about survivor benefits. There's the real potential that he and/or his child is entitled to monthly benefits worth thousands per month. The SSA was very easy to work with, and as a widower, they sent me to the front of the line. Best experience in a world of challenging experiences. My prayers to him and his child. It's hard to see now, but he will get through this. His child will be just fine. Just be as good of a dad as you can with every breath. God will help you when you're weak. Much love, Troy.
15:24 Speaker 02 Troy, thank you. Thank you so much. I'm really sorry about your loss, what you've had to overcome, and obviously, the incredible fortitude you've had and positive attitude that's carried you forward. And I appreciate so much.
15:43 Speaker 02 You taking the time to share that. And yes, the advice you gave is critical. That it's the last thing somebody may be aware of or be thinking about as a parent of young children is that the social security system is not just about giving people money in retirement sometime between age 62 and 70. There are a lot of other angles to social security, including what you're referring to, survivor benefits. Thank you very much. Coming up ahead, I want to talk about what's going on as I look forward to Christmas and Christmas pricing.
16:25 Speaker 02 And also something you need to know if you're an Amazon Prime shopper, Amazon is hitting your wallet a lot harder right now.
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18:22 Speaker 02 I gotta tell you that Christmas this year is not going to be as crazy pricey as it looked like when President Trump announced the initial tariffs back in April. Because of a long, long cycle of negotiations and a lot of tariffs ending up being less than what originally was expected or announced by the president, that retailers and manufacturers used the time period of uncertainty to heavily get goods into the United States to stock up for the Christmas shopping season.
19:03 Speaker 02 So this Christmas, we're not going to see big increases. I mean, there will be items here or there that will have big increases. But for the most part, this Christmas is going to be okay. It's not going to be a crazy expensive Christmas shopping season. So that's the good news. The bad news is that next year, the tariffs will steadily work their way through the economy and will see higher prices. Except, if you trust an analysis by the Wall Street Journal, Amazon decided that next year is this year.
19:46 Speaker 02 Wall Street Journal looked at over a thousand commonly bought items at Walmart and Amazon, and Amazon has increased prices.
19:58 Speaker 02 On the average lower cost item, everyday kind of item, at an annual rate of over 10%, raw dollars, the average item is up over 5%. During the same time period, Walmart has cut the price of those items by 2%. So the price gap between Amazon and Walmart has gotten to be quite large. And on everyday items, you're really punishing your wallet if you're buying from Amazon. And Amazon, as I told you several years ago, Amazon is now a convenience seller more than
20:42 Speaker 02 a price-oriented seller. Why do you think they put so much effort into Prime Days? The whole purpose of that is to create a perception in your mind that you're getting good deals at Amazon. And I shop at Amazon, not a lot, but I do shop there, but a lot of times I basically suffer price shock because I'm such a comparison shopper. And Amazon doesn't come close on a typical item, what you'll pay for it at Sam's Club or at Costco Wholesale. I mean, Sam's Club and Costco Wholesale, because of the limited selections they offer
21:25 Speaker 02 and the very no-frills nature of their operations, they're able to offer much cheaper prices on stuff day in and day out than you're going to find at Amazon or pretty much most anywhere else. So if you are a convenience shopper and you don't have to have delivery in one to two days, I strongly recommend that you look at being a premium member, what's known as a plus member, of Sam's Club.
21:57 Speaker 02 With Sam's Club, you get delivery for free on most of what they sell at the same price you'll pay for almost any of those items in the store, ordering online. And all you have to do is your minimum order size has to be 50 bucks. So you order 50 dollars or more merchandise, then you get the opportunity to get much better prices over time. Not every item, but over time typically at Sam's Club than you're going to get at Amazon. You don't want to be a member of anything? Walmart is clearly a lot cheaper on typical
22:39 Speaker 02 day-to-day items than Amazon at this point. I mean, it's so clear and Amazon is kind of snippy with the Wall Street Journal reporter who did the story saying, "Well, yeah, you just picked these 1,200 items." I mean, what about all these other things? There are certain items that people routinely order that are high-volume purchases. Those were the items that they compared at Amazon and Walmart. And by the way, remember what I said with Amazon, you know, you're getting pretty much one, two, or three-day shipping. With Sam's Club, anybody's guess. You order things, and I order a lot from Sam's Club delivery,
23:21 Speaker 02 the items can come in a couple of hours, or a couple of weeks, or somewhere in between. I'd say the most common delivery cycle is five days with Sam's Club. But again, that's just kind of an average mix of things that come really quickly and really slowly. So if money matters to you more than the speed of delivery, I recommend that. But otherwise, you don't want to be a Warehouse Club member. Walmart Plus gives you a lot of the convenience of the delivery of Amazon, but again, at a everyday lower price than what you're going to find from Amazon.
24:03 Speaker 06 With Walmart Plus, is it the super fancy Amex Platinum card that you get the fee to rebate it back to you?
24:10 Speaker 02 That's right. So you pay a million dollars for the Amex Platinum, and you get back a lot of that million by being a Walmart Plus.
24:19 Speaker 06 A lot of people, small business owners, use that card.
24:20 Speaker 02 Oh, yeah.
24:21 Speaker 06 Yeah, so it might, if you have that.
24:23 Speaker 02 But if you are in that mindset where you think Amazon is the only retailer that exists in the marketplace, you're just really hurting your wallet.
24:34 Speaker 06 Daniel in Iowa says, "I, along with dozens of coworkers, were let go this week as part of a downsizing."
24:40 Speaker 02 Oh, I'm so sorry.
24:42 Speaker 06 "This is the first time I've ever been involuntarily separated from a company. While this isn't something I planned for, with the exception of having several months of expenses saved, I'm looking at this as a chance to change careers. I'll be 44 next month, so I don't know if it's too late."
24:56 Speaker 02 No, it's not too late.
24:57 Speaker 06 Never. "But I've always had an interest in finance and investing. I'd like to become a financial advisor or fee-only advisor. I don't have any certifications, and I'm not sure of the best way to approach this. I'm not sure if custodians like Schwab, Fidelity, or Vanguard or a local advisor have on-the-job training or an eventry-level program. Any thoughts on this?"
25:17 Speaker 02 Okay, so a lot of people do start at one of the big three financial houses, and they have a variety of entry systems where you can start off at a not very exciting job, but while you're in it, they will train you for more sophisticated financial roles. Fidelity, if you go and look at their system, it is very, very sophisticated, based on what your prior knowledge is of finance and investing, how you enter, what different programs you can train for there.
26:00 Speaker 02 And of course, the more training you do over time, the more money you make, the better responsibility you'll have, and the more you'll be able to help other people. When you go to... Individual financial planning firms, there are very specific requirements they're going to want you to have, usually already in place. This is a category where, look at the big bureaucratic three you're talking about. They all have explanations, none as clear as the Fidelity one, about how you can get a job with Vanguard, with Fidelity, with Schwab.
26:40 Speaker 02 But at the same time, I want you to go interview for information with financial planning firms. Stick to ones that do it as a fiduciary. Very important. You don't want to embark on a new career in your mid-40s and go to work for someone who you start questioning their ethics and how they're trying to get you to sell stuff to people that might be really great in commissions for you, but terrible for them.
27:07 Speaker 06 Marilyn in Alabama says, "Walmart Plus delivery service has become very popular for only $98 a year. However, they just tried to renew my subscription for $130, which is an increase of 30%. That's a big jump. What's behind this increase and is it still worth it?"
27:25 Speaker 02 So the increase, they were trying to sell you up to in-home delivery, where they come in your home with the items and they put them in a refrigerator, freezer, or whatever, while you're not home. I've never been a fan of that. So the regular Walmart Plus, some point I assume they'll raise the price, but it's still 98 bucks a year for it. And the one, I thought it's $138 is what they try to sell you up to for the in-home delivery option.
27:57 Speaker 06 Janet in New York says, "My family just returned from a wonderful vacation at an Airbnb rental, and we're all hoping to return next year. In our conversations, the owner mentioned that repeat guests can book directly with him at a discounted rate, saving us about $1,000. During our stay, the owner was very responsive and professional, and I felt confident that everything was legitimate. He has since sent us a sample contract for direct booking, which includes reasonable cancellation terms and payments." deadlines. Here's my question. The payment options are Venmo or personal check? I have a separate checking account that isn't linked to our main assets and my Venmo account is tied only to that checking account. Given the potential savings, is the risk of paying via check or Venmo too high? And if it's a reasonable risk, which payment method would be safer?
28:42 Speaker 02 So Janet, I'm not worried about which method you would pay this individual. I'm worried about you a year out, losing the normal protections you have of your money. Paying across the Airbnb platform or VR in if you were doing a VRBO, same thing. Paying inside their wheelhouse versus paying direct to a property owner. There are people who do this year after year. You have relatives that were renting a place, Krista, year after year at the beach. They called their landlord. They were just paying their landlord. Every year they were sending the money. Everything worked out fine. Then the landlord sold the place and that was it.
29:24 Speaker 02 But if you really know this is the owner. You find this person to be really trustworthy. Your only risk is that the person in some way cons you or vanishes or whatever. But yes, people do this every day. They find out about a property. They get to know the owner and they give up that cushion of protection. It comes paying through a big platform like Airbnb or VRBO. You have to make your own judgment. Whether you feel really, really comfortable with this individual being on the up and up. And you will save a big chunk of money.
30:07 Speaker 02 The money you're saving is kind of like that cushion of security you're giving up. Whether you pay by check or by Venmo, that really is your option. I'm always nervous about checks traveling through the mail.
30:21 Speaker 06 I also just say like, this is just a little thing, but after, if you do do it privately. After when they've received the deposit or whatever, I would double check on Airbnb's site to make sure they've taken the week off. And that it's not no longer available.
30:33 Speaker 02 So they're not double selling the week.
30:35 Speaker 06 Right. I mean, I doubt that would happen, but that would just be a little, one little thing I would check just for more legitimacy.
30:41 Speaker 02 Good idea. Yeah. And I've rented enough places over the years. That I've had the same thing where the owner of a property has said, hey, why don't you book? Direct with me instead of through a platform. You always have to know that not anything in life is completely without risk. And you have to do the best you can to determine the level of risk you're placing on yourself by going outside of the safety channel, if you will, of paying through one of the big platforms versus paying direct to a unit owner. Well, I want to thank you so much for joining us today.
31:24 Speaker 02 I hope that you have fantastic weekend plans in front of you. Though we are at your service all weekend long, night and day, day and night, whatever you want to say, at Clark.com, ClarkDeals.com. And our whole thing is to give you knowledge that you can trust to empower you so that you learn ways to save more, spend less, and avoid getting ripped off. And see you Monday.
32:02 Speaker 07 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. Price and participation may vary. Promotion pricing may be lower than meal pricing.
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