08.07.26 Clark Answers His Critics on Clark Stinks / Promises And Prenups

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, Clark has always considered himself an incurable romantic, and for years, his stance on prenuptial agreements was clear: signing one felt like writing a contract for failure before the marriage even began. But looking at the reality that over half of marriages end in divorce, he realized his emotional roadblock was shortchanging the people listening to his advice. All this and more on the August 7, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Clark Stinks: Segments 1 & 2 Prenuptial Agreements: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What You Need To Do if Your Phone Gets Lost or Stolen Cheapest Way to Rent a Car: Expert Tips - Clark Howard Are AutoSlash and HotelSlash Legit? - Clark Howard Register Your Trip with STEP Why Clark Howard Changed His Mind About Prenups How To Save Money: Spend Less & Build Your Savings How to Shop for Lower Car Insurance / Car Edge 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. Visit megaphone.fm/adchoices

• 0:00Speaker 00

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• 0:32Speaker 01

  It's great to have you here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. And it's that time of week again when I get to improve my advice to you in our Clark Stinks segment. And later, oh, this one's hard for me. I'm changing my mind about prenups. And I'm going to explain why. Oh, man, it's hard to do. But right now, without further ado, it is time for Clark Stinks.

• 1:14Speaker 02

  I should have never encouraged you to speak.

• 1:15Speaker 03

  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.

• 1:26Speaker 04

  All right. Peter in California says, you're usually on the mark, so factory metaphors are not always appropriate. You may have mentioned this hack, but maybe not. Remind Southern California listeners about the discounts of flying out of Tijuana Airport to places in Mexico, Central, and South America via the CBX Cross Border Express, where you check in on a US side for a fee and cross a bridge connecting it to the Tijuana Airport. A few years back, a trip to the Galapagos cost $1,200 out of San Diego. I looked at LA and got it down to $900. Something bugged me on the LA flight, and then it hit me. The LA carrier was Aeromexico.

• 2:06Speaker 04

  I looked at Tijuana flights and got it for an under $500 plus a $25 cross-border express fee.

• 2:14Speaker 01

  I don't know if you remember when we posted a picture of me with that cross-border bridge behind me. About seven years ago, I forget how many years ago. It's really cool where you, you literally walk across this bridge from the US into the airport terminal in Mexico and magically cut your airfare by huge amounts.

• 2:39Speaker 04

  Would this work for people? I know it wouldn't be across a bridge, but traveling, maybe like checking flights out of Canada if they're near the border, that kind of thing?

• 2:46Speaker 01

  Well, interesting question. Airfares out of Canada usually are a lot higher than airfares in the United States. So the opposite happens. Canadians in large numbers cross to like Buffalo, New York, Rochester, New York, Seattle, Bellingham, Washington, different airports. So they get a cheaper fare, but Tijuana is the one that works for us.

• 3:11Speaker 04

  Richard in New York says, Clark, your cell phone insurance advice stinks. You make it sound like a safety net, but it's a trap. When you drop your phone, Verizon won't help you. You have to file a claim online with the insurer and argue over identity verification and fork over a high deductible for a phone that isn't even brand new. Tell your listeners the truth. They are better off buying a heavy duty case and keeping a broken phone fund in a high yield savings account instead of paying monthly insurance fees.

• 3:39Speaker 01

  Here, here, you're right, but I don't know where, Richard, you thought I had spoken in favor of buying cell phone insurance from a cell phone carrier. Quite the opposite. I have always said, don't do it. Now, what I have said is if you're really, and the case advice you give is really good. What I have said is that certain credit cards, if you pay your cell phone bill with them, they offer it as a free benefit with the card. And that free is, is good, but the case is best.

• 4:13Speaker 04

  Tim in Arizona says, Clark, you recently noted that the average savings rate, how much folks save for a rainy day for most Americans is quite low, around 4%. You also noted that in some Asian countries, the savings rate is around 30%. Well, Clark, you missed a great chance to mention the huge impact of nearly everyone in the US needing to own a car. The difference in their respective savings rates, about 25%, reflects how much of their paycheck many Americans devote to transportation. It's too bad that most Americans need to own a car and don't have viable public transportation. By the way, we're not just talking about buying, insuring, and maintaining a car. Parking, speeding tickets, and car washes also take their toll.

• 4:54Speaker 01

  Tim, I have never, ever thought of what you just said. And what a great post from you, because I've never accounted for the raw cost of owning a vehicle, which is a huge amount of money per month. For most people, your vehicle costs you more than a grand a month. And that's, that's money that you could use so many other ways. But the way the United States formed in the era of the automobile, so much of our population in sprawl, public transit is viable as an alternative in very few metro areas of the country.

• 5:37Speaker 01

  You lived in one when you lived in Boston.

• 5:40Speaker 04

  My daughter doesn't have a car and she lives in Boston and works there and she takes the tea to work and the bus. Okay, Linda in New Hampshire says, hello to my favorite podcast duo. This is less of a Clark stinks than a Clark follow-up question and potential beef. I've heard you talk many times about reshopping your hotel and car rental, which I agree with you, but what I take exception is, is your statistic of 90% of the time you get a lower rate. I travel quite extensively as well and always reshop, but find that 90% of the time I do not find a lower rate. What gives? Could it be that because you're such a bargain shopper, you always travel in low demand times? I'm a bargain traveler as well, but often have to go to the high demand times due to my son's vacation schedule. I normally use Costco for car rentals.

• 6:24Speaker 04

  I would love your theory on why you have so much more success than I do. Thanks for almost always smelling like a rose.

• 6:32Speaker 01

  I mean, I find it hard to think of a time that I didn't get a lower price reshopping a car rental, but you in your post probably gave the key stat. I'm not subject to a school calendar. School calendar leads to spikes in demand at certain times, and that may be why you're not seeing those lower rates, but I have enormous success getting lower rates on car rentals.

• 6:59Speaker 04

  Kim in Missouri says, when discussing the new cap on student loans, Clark recommended taking prerequisites at a more affordable institution such as community college. Clark doesn't stink, but another option is dual enrollment. While in high school, our daughters earned college credits from the University of Missouri and St. Louis University for less than $100 a credit hour. It's normally around $550 and $2,000 respectively, with our youngest graduating high school with 21 transfer credits.

• 7:28Speaker 01

  I love this. I love this. I love this so much. And we tried to get permission from our son's high school for him to take college courses when he reached the point that he, he got bored in high school and there was nothing else he needed to take there. And they said, our policy is we don't permit it. But thank goodness, so many school systems and school districts now permit you to take courses in college while you're in high school. You develop those credits at a discount, it speeds up your college time. One of the great ways to save on college expense is to be able to cycle through college in three years instead of four.

• 8:09Speaker 01

  And I just think it's great because so many kids are brain dead their senior year of high school. And getting them engaged by taking college courses, I think, has a maturing aspect to it and also gets them a step ahead. I'm with you. How is that a stink, though?

• 8:31Speaker 04

  I mean, it's adding more information that you didn't. We always say that too, like maybe you missed something.

• 8:36Speaker 01

  I was looking for why I was smelling, and nobody's giving wonderful descriptions about how I smell bad today.

• 8:42Speaker 04

  I'm sorry. Danielle in District of Columbia says, Clark, you don't stink, but your answer on the State Department's STEP program was like a milkshake missing the cherry. Still solid, but it could be better. Should you be visiting a country where the US determines all Americans should be evacuated? It is far easier for you to be found if you've enrolled. This is also helpful with a natural disaster. The way I see it, the easier I make it to be found, the better when traveling internationally. I like all the protection I can get.

• 9:12Speaker 01

  Thank you. And I really appreciate the perspective you gave, Danielle. You're the second person who said I missed the boat on that. Thank you.

• 9:21Speaker 04

  Daniel in New Jersey says, Mr. Howard, as a dermatologist, as a dermatologist who loves your podcast, I greatly appreciate it when you talk about sunscreen, the effectiveness and the importance of its usage. However, I wish you would consider including a brief line about sun protective clothing. UPF shirts and hats can be bought for under $20 and are highly effective at sun protection. Given that they last about 40 washes and do not need to be reapplied during the day, this is a great value when compared to sunscreen. Keep up the great work you do. And some other people wrote in about your sunscreen segment about, you know, chemical sunscreens, that, you know, using those in this is actually a great solution where you have to put less chemicals on your body. So I like that.

• 10:06Speaker 01

  Thank you. I appreciate this. I see all the UV protective clothing and I've never bought that stuff. So that's a cost effective way for me to protect myself?

• 10:20Speaker 04

  Yes.

• 10:21Speaker 01

  Well, see, this is why we do calls. And I know for those of you who are like, Clark, you are so lame. You didn't really know that. I didn't really.

• 10:30Speaker 04

  There you go. Jennifer in Oregon says, as a family physician who has worked in many settings, private practice, HMO, academic, military, penal, Indian Health Service, I have to say that your negative opinion of medical managed care plans stinks. The care coordination in an integrated care model is wonderful for patients. I also encourage you to think of an employed physician who is paid on straight salary as a fiduciary for one's healthcare. It's reassuring to know that your physician has your best interest at heart without their recommendations being muddled, muddied by financial incentives. Unfortunately, there are inherent dangers in the fee for service model.

• 11:14Speaker 01

  There's no doubt that what you say is true. It's all about the nature and culture of the managed care organization. If they are just doing cost containment, or they are actually trying to do coordinated, integrated care for the patient. Some of the great examples of what you refer to, the Mayo Clinic in Rochester, Minnesota, where everything is about coordinated care, making sure people go for their follow-ups, that the various specialists are in communication with each other instead of being in their silos.

• 11:53Speaker 01

  What you say, Jennifer, can be 100% true, 100% true, if the managed care organization has its heart and priorities in the right place.

• 12:04Speaker 04

  Okay, Eric in Georgia says, ooh, Clark, not sure about your odiferous tendencies, but you may be getting some people, especially kids, in a bit of hot water. You had a listener ask about purchasing a drone so he could inspect his roof. You suggested that he could find a neighborhood kid that might be willing to fly their drone and shoot video rather than purchase one or pay a company to do it. In fact, you mentioned your son had done this before. Be aware that you have to hold a valid FAA remote pilot certificate, commonly known as a Part 107 certification, in order to earn money flying a drone. The Part 107 training covers a lot of the rules of aviation that are pertinent to remotely

• 12:49Speaker 04

  piloted aircraft. Aside from passing the knowledge test, you're required to pass a background check, register your drone, and said drone must have a remote ID device enabled. You don't have to have the Part 107 to fly your drone recreationally, although there are still a lot of rules that you need to be aware of in order to do it legally.

• 13:10Speaker 01

  Thank you, Eric, and I should say that my son has the Part 107. He started flying Cessnas when he was 13, and so he got a drone license also very young.

• 13:23Speaker 04

  And now he is a licensed commercial pilot. Congratulations, by the way.

• 13:27Speaker 01

  But that's not ATP. That's like, that's a big rung on the ladder. He's got one more big to go.

• 13:32Speaker 04

  Still really impressive. I congratulated him, too. He really did. He's amazing.

• 13:37Speaker 01

  He was really nervous taking his FAA check. He passed with flying colors. That's good. But anyway, yeah, you're right. I should have said that. I apologize. The licensing for drones is something that is a real issue because there are so many people flying drones around in dangerous ways, and they can also, drones can now be used for violence. So we got a lot of unfinished business with drones. But thank you so very much for your post about it and my failure neglecting to mention the licensing aspect. Appreciate that. I appreciate all your posts to Clark stings.

• 14:22Speaker 01

  I'm just missing all the descriptions of how I stink.

• 14:27Speaker 04

  I'll do better next week, and I'll put in some with more descriptions.

• 14:31Speaker 01

  Yeah, because...

• 14:32Speaker 04

  Although some people write in, they hate that.

• 14:35Speaker 01

  Oh, they do?

• 14:35Speaker 04

  Yeah, but what, there's, someone's always going to write in that they hate something and other people love it. That's what I've determined from my years of reading thousands and thousands.

• 14:44Speaker 01

  Well, it does, it does get much quicker to the point when you just

• 14:48Speaker 04

  Yeah.

• 14:49Speaker 01

  read what they are unhappy about.

• 14:51Speaker 04

  It's all about balance in life.

• 14:53Speaker 01

  Yes, ma'am.

• 14:53Speaker 04

  Okay. Mr. Howard?

• 14:55Speaker 01

  Coming up ahead, yeah, thanks for that. Speaking of balancing opinions, I have forever been very negative about prenups. And I've learned that you can teach an old dog new tricks. Is that right?

• 15:15Speaker 04

  Mm-hmm.

• 15:16Speaker 01

  Yeah, I'm the old dog, and I've learned that there's more nuance to this than I have allowed for. Coming straight ahead.

• 15:25Speaker 00

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• 15:56Speaker 01

  I have a confession to make. You may not know this about me. I am an incurable romantic, a sentimental guy. And so all through the years, I have been so negative on prenups. Because to me, it just, it's a contract for the failure of something that you're entering into. And being an incurable romantic, I just couldn't get across that threshold. But finally, get hit in the head enough, not about something happening to me, but

• 16:39Speaker 01

  seeing the perspective from so many other people. Because that romantic thing in me ignored the fact that it's a reality that half or more marriages end in divorce. And so this thing of just saying, well, I mean, I'm going to ignore that, and everything's going to be about how romantic it is, you know, people getting married and have that love in their eyes and all that. That's all true, too. But the consequences are, on my part, with what I've said, are careless in how that advice could affect people's lives.

• 17:22Speaker 01

  Because I just keep being presented with circumstance after circumstance that people, where a marriage crumbles for whatever reason, it could be adultery and compatibility, who knows what reason, that the consequences don't necessarily fall equally and can fall brutally on one or both of people getting divorced. You can have a situation where so many people get married later than people used to. In that situation, people may already, somebody may already own their own business, somebody else may have inherited something from a deceased relative, whatever. You could have a blended family.

• 18:08Speaker 01

  You could have so many different circumstances. You could have a situation where a couple has young kids and, and one is staying home with the kids while the other's off working. And it could be either way now. It could be the male or the female staying home, and the marriage crumbles for whatever reason. The person who's been out of the workforce is at tremendous disadvantage. And so I was wrong. There are clear circumstances where a prenup, although there's nothing romantic about it,

• 18:46Speaker 01

  is necessary. I just had a emotional roadblock in me that I couldn't get past. And so I got to tell you, it makes sense in at least those two circumstances I talked about. People getting married later, or people with blended families are two obvious circumstances, and there are others as well. Now, here's the thing not to do. Never, gosh, have I heard this one. On the day of a wedding, present your bride or groom-to-be with a prenup. Sign this now.

• 19:30Speaker 04

  No way. You've seen that?

• 19:32Speaker 01

  Yes.

• 19:32Speaker 04

  Oh, my gosh.

• 19:33Speaker 01

  Never discussed. Because what happens is, the person who wants the prenup and has never talked about it with somebody is like freaking out. They never discuss it with them, and then at the last possible second, they say, okay, sign here. That marriage didn't offer a good start.

• 19:51Speaker 04

  Yeah, that's...

• 19:52Speaker 01

  Regardless. So this is a conversation you have ahead of time. You talk it through. You don't do something as an imposition on somebody else, which happens in really wealthy families, that they'll, they'll raise their kids and say, you are not getting married without a prenup, and we prepared this one for you. So if you're going to abide by what your family has dictated to you, you need to make that clear early to your intended, that part of marrying into that family, this is, it's weird, but that's the deal.

• 20:34Speaker 01

  Anyway, yeah, there are, I mean, there are times I'm just, you know, we all get mental or emotional blocks. And this is one that I clearly needed to grow up and acknowledge life's realities.

• 20:49Speaker 04

  I get that. I mean, I think of it like it's catastrophic insurance, right? Like health insurance. It happens to some people. You hope it never happens to you. But just in case, it could save a court fight. It could save a lot of pain if you've sort of like laid stuff out ahead of time, I would think. So, you know,

• 21:06Speaker 01

  Well, you're still going to have the pain of divorce.

• 21:08Speaker 04

  Right, but hopefully.

• 21:10Speaker 01

  But the emotionally overwrought thing that happens when people start fighting with the lawyers and all that.

• 21:15Speaker 04

  Okay, Rachel in California says, I'm a relatively new listener to your show, and I've decided it's time to channel my inner share and become my own rich man. I love it. Jokes aside, my goal is to become financially secure, build wealth, and eventually buy my own home. I've only been in the workforce for a short time, so I've managed to save a little, but I'm nowhere near having a down payment. Living in Southern California, it's hard not to feel discouraged when home prices seem so out of reach. Amen, man, that place. I also get overwhelmed by all the conflicting advice out there. Investing, high-yield savings accounts, retirement, side hustles, paying off debt, and everything else. It feels like everyone has a different opinion about the quote unquote right path.

• 22:00Speaker 04

  One challenge is that side hustles really aren't an option with my current job because of the time commitment and restrictions outside of work. That means my focus has to be on making the smartest decisions with the income I already have. If you were advising someone in my position, what would you recommend is the best strategy to build wealth and save for a home? Should I focus on investing as much as possible, maximizing retirement accounts first, keeping money in high-yield savings account for the future down payment, or something else entirely? If you were starting from scratch today, what would you prioritize?

• 22:34Speaker 01

  First thing I'd do is I'd change all the laws in California that are anti-building. Because the real problem in Southern and Northern California on the I-5 corridor is the inability to build anything. I mean, that, when you look at the problems with the housing market in the United States, so much of it goes back to the root cause that we don't build enough homes, enough for that. So for you, Rachel, I love your questions, the ambitions you have in front of you. And so, let's talk this through. You want to be a rich man, rich woman, a rich whatever? It all starts with living on less

• 23:18Speaker 01

  than what you make. You mentioned pay towards debt, saving a high-yield savings account, do retirement savings. Okay, we can't do everything. So it's a matter of setting priorities. And I'm stunned at how many people in their twenties and thirties have a lot more roadblocks from credit card debt that keeps them from doing the other things they really want to do in their lives. So what you do is you set paying your bills, you have any credit card debt, ultra-high priority. Saving for retirement, high priority. Saving money

• 23:58Speaker 01

  and as the example you gave, a high-yield savings account, high priority. But the highest is that credit card debt. So here's what I'd like you to do. At your job, hopefully you have a 401k or 401k-type plan you can contribute to. Set that up automatically. Put into it what's required for you to get the employer match. If you don't have a plan, set up a Roth IRA that you contribute to automatically every month. Second, whatever credit card debt you have, I'm going to go right to the heart of this. If you're carrying

• 24:38Speaker 01

  credit card debt, here's what I want you to do. Stop using the cards. Stop using the cards. I don't care what reward is on this one, or that one, or the other one. Stop using them. Live a, what today would be a cash-only existence means using the dreaded piece of trash, fake Visa or fake MasterCard, a debit card when you buy things. The hope is that you don't buy things impulsively when you're having to spend your actual, real money diverting you from your goals. And the third thing is you start a habit of putting a little bit of money every pay period into the high-yield savings account for the purpose

• 25:22Speaker 01

  of having the habits of doing all three of these things. Paying down on the credit card balance, saving for retirement in the employer plan or the Roth IRA, and putting a little bit, whatever it is, into the savings account every month. So you're, you're creating a momentum, a direction. And as your income rises, you increase what you can put to those things. Now, the housing situation in California, California, for those of you who are not familiar with what it's like in LA, the LA metro area and San Francisco metro area,

• 26:01Speaker 01

  also San Diego, I need to throw in on this. There are people who live their whole lives, who in most of the rest of the country, as part of that life, would buy a home and be paying on it over the years, stay renters their whole working life because of the problem you raised with how expensive houses are. So Californians have to do compromises. They go in more marginal neighborhoods, they go into smaller homes, they go into fixer-uppers, they go in, they buy a condo instead of a house, they buy a townhouse instead of a

• 26:41Speaker 01

  house, or they have mind-numbing commutes. And they go inland where they can afford a house. I can't sugarcoat this one about housing in California. And a lot of people who are in their twenties and thirties, particularly in their thirties, who decide, you know, they really want more of a traditional ability to buy a home, they actually move elsewhere in the country where they can afford to do it. And so, I'd say, job number one for the new governor of California is it's got to be to create more housing. And government's

• 27:22Speaker 01

  role is not to build it. Government's role is to get out of the way and make it possible for builders to build.

• 27:30Speaker 04

  Valerie in Oregon says, my adult daughter needs to get a newer car soon. She has narrowed it down to three specific cars and wants to compare the cost to insure them. No, she's narrowed down to three cars, make, model, and year, not specific cars. She wants to compare the cost to insure them, as that's part of the cost of ownership. She was shocked, as I was, when she was told that that information was not available without specific VIN numbers. Does that mean that three identical cars with three different VINS would cost different amounts to insure? I don't get it, and the agent wouldn't explain.

• 28:04Speaker 01

  All right. So let me tell you the scoop. This is all part of auto insurers not wanting you to be able to compare the cost of insurance from one company to another, or one model to another. They want to control as much of the flow of information as possible. This is a cynical attempt by insurers to be able to charge more money. So the insurance industry isn't going to provide the, I call it the horseshoes game, where you can see generally, this make-model costs this much to insure this other one, this other one, which is what you want to do. You want to see, okay, if I, I buy a Tesla, why is it going to cost

• 28:46Speaker 01

  me three times to insure what a Honda is going to cost? But it does. All right. So there is a site I've found, there may be others, caredge.com, where you can see the cost to insure in general terms, different brands generally, but you can go more specific, the specific three models of the brands that you want to see generally what they cost to insure on average versus others. So it's not going to drill down like your insurer would do and say, okay, well, you had that ticket two years ago, or, or your age is this or that. But it will give you the trend that clearly shows you, for you as a driver,

• 29:30Speaker 01

  this model will be half the money to insure of that model, or 20% less, or that one will be 30% more. You'll have what you're looking for.

• 29:41Speaker 04

  Again, that was caredge.com, C-A-R-E-D-G-E.

• 29:45Speaker 01

  And we will almost certainly hear from somebody who knows a better source, because that's just the one that I've looked at before.

• 29:51Speaker 04

  All right, two and one here. First, Michelle in North Carolina says, we hear Clark and the team discourage the use of Zelle and paper checks. We like to give cash gifts to family members for holidays and birthdays. What is the best way to do that? And Tom in Illinois says, what's the safest way to send cash gift to a friend or relative? This question comes up every year, since I have family across the country, and I'd like to send cash so they can buy something for the kids for the holidays.

• 30:17Speaker 01

  Okay, Tom and Michelle, both of you, when you're sending money like you are, definitely use one of the payment apps. You're sending to family or friends. That's the purpose of the payment apps. You can use big bad Zelle, although I, I like a little better Cash App and Venmo, because they are separate from your bank account. But these are things that if you're sending particularly to people under 30, they don't want a check. And sending cash in any way, not safe. So using one of the payment apps is the best

• 31:01Speaker 01

  of the options I know of that are available for you to transmit money. You don't have to mail it, you just send it. They have the money in a second. Just make sure you have their personal information perfect and double-check it, because once you hit send, if you make a mistake on the email address or whatever, the money could go in the hands of the wrong person, not your family member or friend. And thank you so much for joining us today on the podcast. I hope something on this Friday edition with Clark Stinks was helpful to you, and that you have wonderful weekend plans in store. Know that we have our newsletters

• 31:45Speaker 01

  coming your way all week long. If you're not a subscriber to our free newsletters, I'm really proud of what we do in the newsletters. And all you do is go to clark.com/newsletter or newsletters, sign up. If you don't like it later, we make it just as easy for you to unsubscribe. And every Sunday, our newsletter is very heavily focused on investing and personal finance. Saturday is our normal consumer kind of newsletter, but we have them all week long. And I believe they are a key cornerstone to what we try to do, which

• 32:25Speaker 01

  is empowerment through knowledge, so you can save more, spend less, and avoid getting ripped off. Have a great weekend, and we'll be with you Monday.