Pod Insights The Clark Howard Podcast 08.08.25 Clark Answers His Critics on Clark Stinks / Airline Pricing & Booking Strategy About this episode Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, Clark explains a new pricing tactic now in use in the airline industry - and the booking strategies that can help you save more on travel. Clark Stinks: Segments 1 & 2 AI Airfares: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Deal With Medical Debt Can a Patient Advocate Help With Your Medical Bills? Warning: Watch Out for This Big Ripoff at the Pump Why Are Retailers Adding an Additional $1 Charge on My Credit Card? Sam's Club® Mastercard® Review: Earn 5% Back on Gas Purchases What Is a CD Ladder and When Is It a Good Idea? The Best Cheap Sunscreens in 2025 Travel Archives - Clark Howard Capital One Venture X Rewards Credit Card: 6 Things To Know in 2025 Clark.com resources Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Transcript 0:01 Speaker 00 Life is all about making decisions. Sometimes you make questionable ones, like buying a new TV that's too big for the wall because the electronics store employee was a little too good at their job. Then, sometimes you make great ones, like protecting your home and auto with Progressive. You get customized coverage options, so you can be sure you have the right coverage. Get your quote today at progressive.com. Progressive Casualty Insurance Company affiliates and other insurers. Not available in all states.
0:29 Speaker 01 As wish lists grow, you know where to go. Head to Ulta Beauty. We have gifts they'll love from brands like Tato One and Rare Beauty by Selena Gomez. Shop beauty faves to give or keep from Shark Beauty, Sol de Janeiro, and more. Not sure what they want? You can't go wrong with Balmain, Clinique, or Redken. And don't forget to put yourself on the list. Book a salon moment or add a little more sparkle to your season. Shop holiday in store or at Ulta.com. Ulta Beauty.
1:02 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, so you make better financial decisions in your life. Can you believe it's already time for another Clark Stinks? That's right. Friday is the day I get to hear where I've gotten it wrong. It's funny about Clark Stinks. There are days we have to just do the entire podcast, Clark Stinks, because I've been stinking it up so much. So, good to see how I'm doing today. And later, I need to talk to you about, if you buy airline tickets, there's some newer
1:44 Speaker 02 developments you need to be aware of, and how airlines are playing games with you and me on prices. But right now, it's time to find out where I didn't deliver for you in Clark Stinks.
2:01 Speaker 03 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.
2:14 Speaker 04 Clark, you stink like the bottom of my garbage can in a heat wave. This is regarding your answer about the person struggling to pay their medical bill. The facility would at best allow your caller to make monthly payments. Please tell people about the healthcare advocate that is usually on staff at every hospital. Often, they can assist in you getting a lesser payout. In addition to that, you can negotiate a lower amount by offering to pay your balance in one lump sum. We did that last year and saved $700. Granted, this was a $6,000 bill, not $50,000. We also asked for this in writing and we got it. Furthermore, the Office of the Healthcare Advocate in each state is an invaluable resource if your insurance company ever refuses payment on something.
2:58 Speaker 04 Be well, Jennifer.
3:00 Speaker 02 Jennifer, thank you very much. And I do talk from time to time about if you do have a problem with the bill, talking with the hospital social workers, it's called in some facilities, patient advocate. You refer to as healthcare advocate. This is a common practice that there's an individual like that. You also mentioned something that's wonderful for people who have actual traditional health coverage regulated by the state. Talking to the healthcare advocate in each state is great. A lot of people think they have, though, traditional health coverage from an employer,
3:40 Speaker 02 and it is not a state-regulated function if it is what's known behind the curtain as a health reimbursement plan, even though it may be administered by an insurance company.
3:54 Speaker 04 Clark, I can smell the petrol fumes all over you. You spoke of gas stations charging far more in credit card fees than the 3% or 4% it costs them to take a credit card. That can be very true, but also can still be a better deal with a 5% credit card reward, such as the Sam's Club card. Additionally, you've never mentioned that some states do not allow for credit card fees to be charged to a consumer. In Maine, for example, when you can be given a discount... You can be given a discount for cash. You cannot be charged an additional fee for using a credit card. Businesses must post the cash discount if they wish to offer it. And the Attorney General of Maine strictly enforces this rule if a business is reported. At one time, New Jersey had a similar law, but I'm not sure if they still do.
4:37 Speaker 04 When you talk about credit card fees, you should let your listeners know what states have these laws in place so they don't get ripped off by some disreputable businesses. Mica.
4:46 Speaker 02 Mica, thank you very much. And it is true that in some states, it's called a cash discount and in others, there's a credit card surcharge. The impact on a consumer, though, in my opinion, Mica, is the same. The idea that more and more businesses now offer two prices, a cash price and a credit price. The Sam's Club MasterCard, 5% off on gasoline, is so great. And it's all over the place. The surcharges I was talking about have been these extreme cases where people are being charged up to a dollar more a gallon using a credit card.
5:32 Speaker 02 In those circumstances, the 5% cash back on the Sam's Club card is not enough to negate that much, much higher price for paying with a credit card. And again, the retailer, as you pointed out so well, depending on state law, it will either be presented as a cash discount or as a credit card surcharge, depending on which state law permits.
5:59 Speaker 04 Clark totally missed the mark on airline credit cards. My wife and I always check one bag each. Now that bags no longer fly free, it's a minimum of $35 a bag. A round trip costs a minimum of $140 in bag fees. We have an airline credit card that costs $95 a year, and that gets us one free bag each. If we only fly once a year, we save $45. I'm only using the airline credit card for the air tickets. Isn't that a deal? And note, don't suggest not checking a bag. I don't consider anything less than two weeks of vacation, and there's no way I'm doing that using only a carry-on. Bob. I knew what you were going to say.
6:37 Speaker 02 So Bob, you're 100% right that there's no doubt that the baseline credit card that's a captive card of a lot of airlines is right at $95 or $99 and they tend to offer the free checked bag, one checked bag per person each way. No doubt, the baseline card is a beautiful thing. Those aren't the cards the airlines are pushing, however. The airlines are heavily pushing the cards that have annual fees of 500 to $1,000 and those cards, you really,
7:19 Speaker 02 really, really have to travel a lot to make it work. But in your example, paying the $95 annual fee works with only one round trip a year.
7:30 Speaker 04 Clark, you stink like what 100,000 sheep recently left on Ohio Highway 55.
7:36 Speaker 02 Ohio.
7:37 Speaker 04 Idaho.
7:37 Speaker 02 Idaho.
7:38 Speaker 04 Idaho, sorry. Highway 55 as they crossed into their summer pastures. Stop giving people advice to change their financial behavior based on something that has not happened yet. I'm speaking of tariffs. Most if not all of the tariffs are still under negotiation. You recently gave advice to a listener to base an auto purchase decision on something that might not ever happen. Jim.
7:58 Speaker 02 Jim, thank you. The tariffs have been so difficult to navigate and as I talked on a recent podcast, the expectations of what they were going to do to prices for Christmas are not going to happen overwhelmingly for this Christmas because the implementation of tariffs was delayed. The tariffs keep moving around and all the rest. So what you have said is completely spot on, that it's so hard to predict how the tariffs are going to settle. And that's why the car market went from being overheated when the tariffs
8:38 Speaker 02 were first announced to being very quiet lately because people pulled forward purchases that they might not have made or would have made later. Because they were worried about the tariffs. And so now dealers are discounting more than they were before because the market has slowed down. So what you said has turned out to be completely accurate, Jim.
9:06 Speaker 04 I've been listening to you for over 20 years and you definitely do not stink. You answered a question from Georgia and Massachusetts about building a CD ladder. It'd be helpful for your viewers and listeners to mention what to do with the funds after each CD matures. Bob from South Dakota then asked about what to do if he moved outside of the US during retirement to ensure he had access to his retirement funds. Your answer was spot on, however, I'd add two items. One, ensure you maintain access to your primary phone number if you use for multi-factor authentication. Two, get and begin using a VPN if you don't already use one. My family and I lived in Abu Dhabi in the United Arab Emirates for five years as part of work and loved it. My elementary and middle school kids loved the experience, too.
9:48 Speaker 04 We kept a T-Mobile line just for authentication and critical purposes. Your beloved Google Fi would be an outstanding choice for this today. For the VPN, sometimes you just have to use a US IP or things won't work. Thanks for all you do. I switched to the Clark side years ago. Tom.
10:04 Speaker 02 Tom, thank you very much. And let me go back to the thing you said up front, building the CD ladder. So the idea of the CD ladder is you start with five CDs, classic ladder, take pile of money, divide it by five, and you use it to buy a one-year CD, a two, a three, a four, and a five. What happens one year out is that one-year CD, you then take the money and you put it in a new five-year CD. The idea is that 20% of your money is available to you every year. When that two-year CD comes due, you then put it into a new five-year CD. So again, every time you rebuild the ladder every 12 months by taking the CD that...
10:52 Speaker 02 Now is ready to be re- re-save because it's not an investment.
10:57 Speaker 04 Re-runged.
10:59 Speaker 02 Re-runged.
11:00 Speaker 04 It's going to be a new one.
11:00 Speaker 02 Re-runged on the ladder. You take that 20%, it goes into a five-year CD. So the reason five-year is that there can always be exceptions, like right now. But five-year CDs tend to have a higher earning rate than you're going to have with a shorter-term CD. And so that's why the ladder is done the way it is.
11:25 Speaker 04 I'd like to add a little cologne to Clark's usually pleasant odor.
11:29 Speaker 02 Oh, boy.
11:29 Speaker 04 He mentioned asking long-term Costco employees about which days are the least busy. But did you know that Google will supply this info for you? Just look up any good-sized business, including Costco and Google Maps. If you click on the business, then scroll down, you'll see a little chart that shows you the busiest and least busy times of day for each day of the week. It's very handy, Richard.
11:49 Speaker 02 Richard, thank you. And it's terrible I neglected mentioning it because I use that chart all the time. Do you use it?
11:57 Speaker 04 No.
11:58 Speaker 02 Oh, I absolutely do use that. And the patterns are really interesting because they're not the same at every restaurant, every retailer. They each have their shoppers' patterns that are really good to identify.
12:14 Speaker 04 Yeah, I just know if I don't want to be at Costco anytime on the weekend.
12:19 Speaker 02 Well, that's a true story. Except, do you know that if you go just before they close on a Saturday or Sunday, like 20 minutes before closing, something like that, they tend to be less crowded at the very, very end of a weekend day, at least my experience.
12:37 Speaker 04 But probably no samples.
12:39 Speaker 02 No samples.
12:40 Speaker 04 A caller asked for advice about quitting his lucrative job to go to grad school for a teaching credential. I think Clark missed the mark on this one. There are many colleges, both online and physical, that make it easy to obtain a credential while working full-time, as I did. I was able to get mine just a year beyond my BS. Had I wanted to add my master's, it would have taken another year. Still working full-time. Clark mentioned a master's, a credential for teaching grade school is not a master's. In grade school situation, masters would move one up to the pay scale and possibly open the door to teaching alternate courses, but it's not required. As far as professorship goes, I'm not sure that the caller gave adequate info to answer the question. Most four-year colleges prefer a PhD while community colleges will accept a teacher with
13:25 Speaker 04 a master's many times. Tracy.
13:27 Speaker 02 Tracy, thank you very much. And yes, I love when people have a full-time job. If they can earn a credential that gets them to what they'd like to do next, so that it's not an either/or of quitting work for a period of time to then do the next thing. Yeah, that's obviously best. It requires a potentially exhausting schedule for people. Some people aren't game for that.
13:57 Speaker 04 You smell like a pile of rotting horseshoe crabs on a Cape Cod beach in August on this one.
14:03 Speaker 02 Woo!
14:04 Speaker 04 I love that reference. When you praised Coppertone Water Babies lotion SPF 50 as Consumer Reports' top-rated sunscreen with a perfect score of 100, you failed to mention that Coppertone Kids lotion SPF 50 was the lowest-rated sunscreen lotion with a score of 17. That would've been nice to know when shopping for sunscreen. Come on, Clark. Michael.
14:25 Speaker 02 Michael, thank you very much. And update, update. The Water Babies no longer gets 100. It's still a very high rating, but that's why I'm so specific about naming with sunscreens. And we follow up with the information on Clark.com because one company can have the best sunscreen out there and one that's really mediocre or poor. A lot of very expensive sunscreens that you think because you're spending so much money, it's going to be just awesome. Could be not protective at all, and I really appreciate.
15:08 Speaker 04 It does get 100, by the way. It was, it was the Trader Joe's that was 100 before.
15:13 Speaker 02 Oh, I'm sorry. So the Coppertone is still 100?
15:16 Speaker 04 The Water Babies, just the Water Babies.
15:19 Speaker 02 Right.
15:20 Speaker 04 But the, but this is so interesting. I didn't even notice that, that the, um, the Coppertone Kids, same SPF 50 is the lowest rated. So that's kind of crazy.
15:31 Speaker 02 That's why, again, the very specific stuff, Water Babies, best, Kids, very low rated.
15:40 Speaker 04 Mm-hmm.
15:41 Speaker 02 So I didn't realize it. I thought it did not get 100 again.
15:45 Speaker 04 No, the Water Babies did.
15:46 Speaker 02 Water Babies did get another 100. So it's the TJ's.
15:51 Speaker 04 Yeah, the Trader Joe's.
15:52 Speaker 02 Went down in ratings.
15:53 Speaker 04 Yep.
15:54 Speaker 02 Okay.
15:54 Speaker 04 But they're still good. I recently used TJ's lotion and spray on a vacation.
16:00 Speaker 02 TJ's, for people not familiar, that's Trader Joe's.
16:04 Speaker 04 These are just lotions I pulled out for you, by the way, just so we could see the score on that. But yeah, and that worked really well. I was in a very hot, sunny place and I did not burn.
16:12 Speaker 02 That's right. I mean, I was talking with Krista while she was on her fun beach getaway in the tropics.
16:20 Speaker 04 Yep.
16:21 Speaker 02 And I was expecting, I was imagining you were going to come back looking like a lobster.
16:25 Speaker 04 No way. I reapply, reapply. I'm, I'm so pale that I cannot take any chances because I will burn quickly. My friend got a bad burn, a really bad burn the first day. But I stay in the shade if I can. I wear a hat. I reapply sunscreen and it was fantastic.
16:43 Speaker 02 Well, I'm so glad you had a great time, too.
16:45 Speaker 04 I did.
16:46 Speaker 02 What's the one thing that happened, though, on Krista's trip that she regrets? She spent more money than she thought she would.
16:54 Speaker 04 Of course, of course.
16:56 Speaker 02 So how about spending as little money to go where you're going to go? I'm going to talk about that straight ahead.
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18:57 Speaker 02 If you're a longtime listener or viewer, you're aware of what I've talked about called loyalty index scores. Remember, there was a time, not that, that many years ago, where the big buzzword was big data, that companies were able to use supercomputers to crunch a huge amount of data, figure out what's going on in our heads as best the big data could come up with, and price accordingly. And if you're not familiar with loyalty index scores, it's where the industry that I'm most familiar with using it is the insurance industry,
19:39 Speaker 02 where they develop a loyalty index score for you. And the higher your index score is, the higher the premiums are going to charge you. Because they know you are so brand loyal that you're coming back year after year, even if they raise your premiums on your auto insurance or homeowner's insurance through the roof. It took the cycle of inflation from the auto and homeowner's insurance industries over the last several years for people who had never been shoppers to shop around. But the industry would use this loyalty index score as a way to price discriminate, where the more loyal you were, the more you paid.
20:24 Speaker 02 The least loyal you were, the least you pay. A perfect example of people getting punished for loyalty, rewarded for disloyalty. Think about dealing with your internet connection at your home or your business. If you stay loyal to your internet provider, they just raise the rates again and again and again and again and again. But on the other hand, if you play free agent, and let's say you only have two or three choices where you live. It's now having a third choice has become more common. And you go to another one and you say, hey, what do you have for internet?
21:09 Speaker 02 And they offer you a deal. You go back to who you're with and they say, oh yeah. Yeah, we'll give you this great deal we wouldn't offer you before. Being disloyal pays. Now another industry has decided to enter this same territory that never did it. And is putting aside what economists often refer to as fair pricing. Fair pricing is when everybody's charged the same thing. Now, the airline industry is noodling around testing ways to charge down to the individual. Where to this point, there was price discrimination.
21:52 Speaker 02 You buy a head, you get a lower price than somebody buys last minute. You go on flights that people aren't as interested in. You get a lower price than people want to go Friday evening, Monday morning, right? Or Sunday night. But now, Delta came public to Wall Street with something that airlines have been keeping really quiet. Now, Delta's the one that's exposed and is taking the heat for something that is something the industry's testing. Using beyond big data, they're using predictive analysis with AI to try to drill down to the individual what they're going to offer you in a price.
22:36 Speaker 02 Delta right now, one out of every 30 tickets is doing it. Their goal by the end of this year is to be at one in five tickets that people buy will be price discriminated based on how much money they think they can get out of you. So Krista and I could both be going on the same exact flight, shopping at the same exact minute.
23:03 Speaker 02 And she will be offered a higher fare than I will be offered.
23:07 Speaker 04 Probably, correct.
23:09 Speaker 02 And the reason she'll be offered a higher fare is she is much more brand loyal to a particular airline than I am.
23:18 Speaker 04 How would they know that you're, that you're not brand loyal to them and that you don't just travel infrequently?
23:24 Speaker 02 So.
23:24 Speaker 04 Because you go to look at tickets and you don't purchase?
23:28 Speaker 02 So what all Delta itself is doing behind the curtain, they've been coy about. But there are things that I'd want you to do. One is even if you are like you, brand loyal to a particular airline, I want you to go into an incognito mode.
23:46 Speaker 04 Mm hmm.
23:46 Speaker 02 Do not sign into your account.
23:48 Speaker 04 Or just use a separate browser. I do that a lot.
23:51 Speaker 02 But if you sign into your account, that's not gonna help.
23:54 Speaker 04 I don't, I don't sign in.
23:55 Speaker 02 Because what do the airlines try to do? They always try when you first get there, sign in, log in, log in, log in.
24:01 Speaker 04 But remember also, a lot of companies look at, if you're on Safari, if you're an Apple person, you want to download a different browser because sometimes you can be charged more with that.
24:09 Speaker 02 So, so there's been a lot of arguing whether people really are charged more money.
24:14 Speaker 04 I believe it.
24:15 Speaker 02 Using MacBook or using Safari browser. But what Delta's up to is tracking your habits and what you're doing with your travel. An example for me is I fly a lot and I only buy one-way tickets. So that's a tip-off to an airline and, and I'm going on a trip in a few weeks for Habitat for Humanity. And I'm going one-way on, on that trip. I'm going one-way on Southwest, one-way on Delta. And that was what got me the cheapest combination of fares. It ended up saving me, it was $220 on the round trip. It was a lot of money.
24:59 Speaker 04 Mm hmm.
25:00 Speaker 02 The more you are brand loyal to a particular airline, the more they're gonna gouge you using AI. The more you go straight to their website to shop. That's why I always want you shopping at third-party websites. Hopper, Google Flights, that kind of thing. The more you shop around and remember for domestic tickets, the more you shop one-way.
25:29 Speaker 02 The more you're going to be able to avoid what Delta and others, Delta publicly, others quietly, what they're doing with trying to rip you off by charging you more for being loyal. There are people, I gotta have my points, I gotta have my points. What are you gonna do with your Sky Pennies anyway? I mean, come on. What do you do with Sky Pennies? You just look at them and say?
25:54 Speaker 04 I save them and dream. I save them and dream. You can use them when they have a deal. I do want to say, you just mentioned third-party looking on there, but, but we're not recommending that a third-party site that sells the tickets on their site that you should book. It's just one of these sites where you could shop and then it brings you through and you always purchase on the airline's website.
26:11 Speaker 02 The number of complaints we're having about people booking at UFO third-party sites or even well-known third-party sites, man.
26:19 Speaker 04 Because they point fingers at each other if there's a problem.
26:22 Speaker 02 The customer no service.
26:23 Speaker 04 Yeah, so you don't want to do that. Okay, speaking of flying, CJ in Alaska says, "A while back, someone asked a question regarding coffee being safe to drink on a commercial airliner. As a pilot who flies these planes, I've wondered the same thing. So I decided to ask one of the mechanics about the procedures. It turns out, it's quite an extensive process. Every six, he thought six, maybe three, months, the tanks are drained and scrubbed, water is refilled and tested until it comes out clean. Those results are logged and tracked. As an operating pilot, I often have a cup of airplane coffee, but I prefer fru-fru coffee bought in the airport, only because it tastes better. I hope that helps."
27:01 Speaker 02 CJ, thank you very much because there's been such a buzz that it's not safe to drink hot tea or hot coffee on an airplane because the water tanks are filthy. And thank you CJ for saying, at least with the airline that, that you're with, that it's safe to fly. And flying in the Alaska airspace means you are one incredible pilot because those are tough conditions you fly in a lot of the year.
27:32 Speaker 04 Okay, Catherine in North Carolina says, "I know Clark doesn't usually recommend the airline branded credit cards for most people. I fly one airline, one to two times a month for work, and I'm not self-employed. My employer pays my corporate Amex bill, but I'm able to earn points through the Amex Membership Rewards program. I currently have the airline's Platinum Card, which I do like for the upgrades and higher status. However, I'm thinking of switching since they took away lounge access. Would you recommend the..." I could just, I might just say it.
28:01 Speaker 02 Yeah, this one you just say it.
28:01 Speaker 04 This is Delta, the Amex Platinum, instead of the co-branded card. I also have a cash back card for everyday purchases and a Chase Sapphire Preferred card, which I plan to cancel if I upgrade to a different card. What's the best card assortment for a corporate traveler to earn rewards to use for personal travel?
28:18 Speaker 02 So, my bias for the last couple of years has been the Capital One Venture X, and I keep waiting for the shoe to drop where they're not going to make it as good a deal as it is. But what's great about that one is you do have the lounges that Capital One doesn't have, nearly as many as the airline programs have, but their lounges are, to me, the best out there in the airports, domestic. You also have the Priority Pass lounges, which vary in quality through the Capital One. But the thing that makes it such a winner, I always hold my breath talking about this because I know at some point they're going to say, "We're giving people too
28:59 Speaker 02 good a deal," is it has a $400 annual fee, $395 if you want to be specific. They give you back automatically 300 of that $395 with you being able to book travel through them they just pay for. Then, they give you 100 each year equivalent and automatic points added to your account, making the equivalent value of the card
29:26 Speaker 02 Essentially free with all the benefits. And at some point, they already cut back lounge access for people you're bringing with you. And at some moment, they're going to raise the fee. I mean, Chase raised their fee high as the sky. Amex is going to raise theirs high as the sky. But that's my favorite of the programs. And you have the points, you can transfer to a variety of partners.
29:51 Speaker 04 Bobby in New York says, I'm flying five of us directly from New York City to Seattle for Turkey Day. We plan to fly approximately from the Tuesday before to the Monday after, i.e. not peak, peak. Should we buy now or wait a few months?
30:03 Speaker 02 So Bobby, first of all, I need to tell you something terrible. The Tuesday, Wednesday before Thanksgiving, the Sunday, Monday after are the four peak of the peak days at Thanksgiving. If you can come up with any flexibility in the days you travel where you get out of the Tuesday and out of the Monday coming back, that's when you're going to really see the fares better. You don't want to wait a lot longer on Thanksgiving travel. Thanksgiving is such a tight, specific window.
30:45 Speaker 02 But as an example, okay, you're flying New York to Seattle. You pick up three of those hours flying out to the West Coast from the East Coast. Would you consider just maybe taking a morning flight, Thanksgiving morning, the cheapest day of the Thanksgiving holiday period to fly and go Thanksgiving morning? You'll be there in time for lunch and festivities beyond on Thanksgiving. And then come back on.
31:21 Speaker 02 Tuesday or Wednesday of the following week. If you do the shopping I talk about looking day by day, one way instead of round trip, you'll see how much the fare drops if you'll flex on the flights into Seattle. In addition, in the New York metro area, look at all the airport choices. In the Seattle area, see if there's anything going to Everett Field or Bellingham. It would be a lot cheaper than flying right into CTAT. New York area, you've got Newark, LaGuardia, JFK, White Plains.
32:05 Speaker 02 Krista, what's that airport called in the Hudson River Valley?
32:07 Speaker 04 Stewart.
32:08 Speaker 02 Stewart Field.
32:10 Speaker 04 Newburgh, New York.
32:11 Speaker 02 Newburgh, right. So you flex days, you flex airports, and you flex airlines where you go one way on one, one way on the other. That will probably get you a better deal. But the tradition typically with Thanksgiving, along with the one day a year that a lot of people, is the only day a year they eat turkey. It is tradition that the airlines, the closer you get to Thanksgiving, the steadily higher they make the prices on Thanksgiving travel. But you can fight back by picking different days both ways. I mean, it would end up deciding to do.
32:52 Speaker 02 And have an absolutely wonderful, fantastic weekend. I hope that you do something really fun. If you want to save some money over the weekend, look at Clark Deals or get our daily Clark Deals newsletter because it's free. We'll give you what are the hot deals of the moment that are available to you. I mean, we're here for you whenever you want us in so many different ways on social media, our newsletters, our websites, Clark.com and ClarkDeals.com.
33:26 Speaker 02 My thing is I want you to have good information that helps you make good decisions in your life with your goals, with your wallet, and with your future, so that you can save more, spend less, and avoid getting ripped off. I'll be with you on Monday.
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