08.12.26 One Bad Apple Deal / CDs: Opportunity And Method

Apple device prices are soaring due to rising hardware costs, and their newest solution is to offer “forever leases” on iPhones, Macs, and iPads for a fixed monthly fee. While this subscription-style leasing model might make sense if you’re a tech enthusiast, it’s a dangerous financial trap for the average consumer. Before you fall for the low monthly sticker price—or get tied down by a carrier’s misleading "free phone" promotion—understand the long-term cost to your wallet. On the savings front, everyday savers have a prime opportunity now to lock in high returns before interest rates drop. If you have cash you won't need for 1 to 5 years, Certificates of Deposit (CDs) are one of the safest ways to beat inflation. Clark walks us through how to easily purchase broker-placed CDs through top discount brokerages or reputable online banks, why you should strictly avoid giant mega-banks that offer virtually zero interest, and how to protect yourself from the predatory "auto-rollover" trap that slashes your rates the moment your term ends. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the August 12, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Apple Trap: Segment 1 Ask Clark: Segment 2 CD Opportunity: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should You Lease an iPhone Through Apple Upgrade? Are Extended Warranties Ever Worth It? - Clark Howard Get an electronic travel authorisation (ETA) to visit the UK Eurostar.com: Book Europe Train Tickets and Holidays When Do You Need a Travel Agent? - Clark Howard Is Now the Time To Get a CD or a CD Ladder? Certificate of Deposit (CD): What Is It, Best Places To Open One CD Interest Calculator / What To Do BEFORE Your CD Expires BBB-File a Complaint How to Protect Your Wallet From Rental Car 'Gotchas' - Clark Howard Should I Use a Credit Card or Give Up My Bank Account Info To Save 2.3%? 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

  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

  I'm so excited to be with you here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. And pretty much everybody carries a cell phone. And actually now, a large number of Americans carry two cell phones with them. And unlike in the rest of the world, in this country, Apple dominates the market. 58% of Americans carry Apple devices instead of some form of Android.

• 1:27Speaker 03

  And you may have heard in a big splash, Apple is pushing leases on all its stuff. People want to know inquiring minds, is that a good idea? Is it a deal for you? I'm going to let you know. And later, interest rates are rising because of the failure of the Federal Reserve to show that it's serious about inflation. And so immediately, interest rates that investors demand on big money have been going up, up in a way. So how do you and I as smaller savers benefit? I'm going to give you some strategies for that.

• 2:12Speaker 03

  And particularly, I want to talk about smart things you need to know if you want to buy CDs. Because a lot of us get the CD thing, well sadly, really wrong. So let's talk Apple. Apple is having a problem. And it's that in order to maintain the profit margins that Apple likes, Apple's having to boost the costs a lot of their devices. And this is something that's been heavily reported. It's another AI effect because the AI organizations are soaking up so much inventory and chips

• 2:54Speaker 03

  and different things that it's costing manufacturers of consumer goods and goods for work, like laptops could be consumer or work function devices, that these items are going up in price significantly. So Apple's like, what are we going to do? Our loyalists are facing price points that are hitting price resistance. And Apple tends to have a average higher income customer than Android devices. And so the cost is pushing up enough that wealthier people are like, wait a minute,

• 3:34Speaker 03

  I'm not going to spend blah, blah, blah on a new Mac or a new iPhone or whatever. So Apple has come up with a plan where you are in what I call forever leases. You know, you're always paying a monthly bill for your phone, for your Mac, for whatever Apple device. And then when a new model comes out, you change it out for the new model. So there are people, I have a couple of buddies, who every time Apple comes out with a new device, they're there in line, day one, they won't even wait for it to come in the mail or UPS or FedEx or whatever.

• 4:18Speaker 03

  They're there in person getting the new device. This is for them. If you have to have the newest, latest, greatest all the time, then the Apple upgrade thing, as they call it, the forever lease, as I call it, works. If you just got to have, oh, there's a new Apple that I don't know what it does, but it's new and I have to have it, then this is for you. But a lot of people are going to be sucked in who were like, man, that new Apple device is $1,799. I don't have $1,799. And so they said, well, you could just lease it for X dollars a month.

• 5:03Speaker 03

  That's the same deal as with the car stuff I talk about, where the lease is pushed when you realize, hey, I can't afford that price to buy it, but that lease seems so reasonable. That's the same idea here. But it's a long-term trap. If it's all about trying to stretch the dollar, because the dollar ends up being ripped by the ongoing cost, month after month, year after year. So be honest with yourself before you get in to one of these Apple lease plans. Krista, you know what's worse than the Apple lease plan?

• 5:45Speaker 04

  What?

• 5:46Speaker 03

  Signing up with your cell phone carrier for a three-year payment plan that keeps you trapped in a way overpriced monthly cell phone plan so you can get your free phone.

• 6:01Speaker 04

  I know. Oof, I know most people do that though, don't you think?

• 6:05Speaker 03

  Yeah, but I think there's been price resistance on that too.

• 6:08Speaker 04

  All right, well, let's go to questions that were sent in for you. This one's from Adam in Ohio. Adam says, thanks to your advice, I'm on track to retire at least 10 years early. I recently splurged and bought a gently used 2022 F-150. The dealership I purchased it through offers a lifetime powertrain guarantee. It's not considered a warranty, but a service plan. It requires me to do all service at the dealership family. I usually do my own service, so this is a big cost increase, but it could be a savings if there's a problem with the engine or transmission. The vehicle has too many miles to qualify for a Ford extended warranty. Is it worth paying the extra for the service?

• 6:50Speaker 03

  So Adam, the big gamble you face is the ownership of car dealerships is going through a lot of turmoil now. A lot of dealerships changing hands, a lot of independent dealership groups going bust and having to sell out for whatever they can get. So this is as a result of automakers producing fewer models and being happy selling fewer overall number of new vehicles per year. Works well for the automakers, doesn't work so well for dealerships. So what you're counting on with this guarantee is that the dealership continues to exist

• 7:34Speaker 03

  under the same ownership it has. So you're paying upfront higher service fees for going to the service base of the dealership group. And then later, if they no longer own it, that guarantee flew away because the buyers of a dealership or dealership chain only do what's called a certain assets purchase. And they don't take on obligations like this guarantee. So this is really a bit of a roll of a dice on your part, is do you have something worth

• 8:14Speaker 03

  you paying extra overtime for service so that if something really goes wrong, that's really expensive with that F-150, that it's going to be covered?

• 8:25Speaker 04

  Okay, Rose in North Carolina says, thank you for the excellent work you and your staff always do on our behalf. I have a question about credit card renewals. I have two credit cards from Chase as well as some cards from other providers. A couple of years ago, Chase sent me a letter asking me to call them before they would approve the renewal of my cards. I confirmed the letter was legit by calling the customer service number on the back of my card. Good job. When I spoke to the representative, what she asked was what I was using my other credit cards for. She wanted to know specifically what I was using my other non-Chase credit cards to pay for. My question is, is this an acceptable practice? I've had cards for years and I have never been asked to do this. My credit history is excellent.

• 9:10Speaker 03

  So what Chase is doing is the most obvious example of the big banks are all spying on each other. Years ago, there was a commercial about back of the wallet cards, front of the wallet cards. And the idea was that people carry cards potentially from multiple issuers. And they're all trying to steal market share from each other. So what Chase was trying to do is they were using the renewal of these cards as a battering ram to try to get you to move market share from other cards you have to them. So it was basically a sales call on the part of Chase. So I don't know what change you made in your patterns.

• 9:55Speaker 03

  I mean, Rose, did you start using those two renewed cards more and using, let's say, cards from Capital One or Citibank or your credit union or someone else less?

• 10:10Speaker 03

  That's really the behavior mod that Chase is trying to get to.

• 10:15Speaker 04

  Ah, M in California says, I've never traveled abroad before, but lately I found myself with a real desire to do so. I'm 57 years old and just received my new passport and I'm genuinely excited about the idea of filling it with stamps and memories. That said, I'm also terribly nervous. I don't understand exchange rates. I'm unsure how to communicate in countries where I don't speak the language. And honestly, I know very little about the logistics of international travel. Do you have any advice on how to get started? I've been thinking about joining a travel group for my first few trips might be a good idea, since many of the logistics would already be taken care of. What are your thoughts on these? Do you have any recommendations or advice

• 11:00Speaker 04

  on how to find a reputable one? I'd really appreciate any guidance you can offer. It feels a little intimidating, but also something I'm very excited to experience. I knew you'd be the man for this.

• 11:11Speaker 03

  Yeah, I'm so excited, M, about you going out on foreign adventures. All right. So I call it Europe with training wheels. I find that the best first trip for a newbie is to go to London and maybe travel around England, because even though the accent sometimes is hard to understand, common language separated by, no wait, we're both English speakers separated by a common language. There's some, there's some cute phrase about that, because the accent sometimes will be a little hard to understand, particularly in Scotland. All right. So if you go to London as

• 11:53Speaker 03

  a first trip, it really gives you the ability to get your feet wet, traveling internationally, and not freaking out about the language barrier, trying to get a sense of what it's like to be in a different place. London and England, very, very user-friendly for foreigners, extremely. You have to get a electronic travel authority before you go to the United Kingdom. You just do that online. Make sure you're at the government website. As for money, you want to use your ATM card to get pounds. You probably will need them very little, particularly if you use tap to pay.

• 12:36Speaker 03

  Our son was just in England and he told me he never once had to use a single pound or a single card. Everything he did while he was there was tap to pay.

• 12:49Speaker 04

  But make sure that your cards, that you call them and let them know where you're traveling.

• 12:53Speaker 03

  Right. Depending on the card, you may need to give an advance travel notice. And I don't think you need a group. I think you'll be okay. Do not get any money in the United States. Wait till you get to England. If you follow my suggestion, go there first. Gosh, when you're there, you could spontaneously decide to take one of the bargain trips on the tunnel, tunnel train, run over to Paris for a day. Believe it or not, people do it. And the Eurostar's gotten such a reputation for outrageous fares, that they're now offering these cheap last-minute fares to try to counterbalance the image they've developed for ripping people off. And I think

• 13:37Speaker 03

  you'll be fine. There are lots of traditional travel books that will walk you through how to do that first trip to England. And from there, you'll have the confidence to do more and more and have a better sense of where to go. The other advantage we have as Americans is English is the most common second language of people under age 40 in the developed world. And so finding people who speak decent to passable to great English, really easy. We can be lazy as Americans as a result. So go have fun and give me feedback if I gave you a good suggestion.

• 14:23Speaker 04

  Definitely want to try like a tour company. Would you talk to a travel agent, like a local travel agent?

• 14:29Speaker 03

  That is great advice.

• 14:30Speaker 04

  Okay.

• 14:31Speaker 03

  Yeah, because the travel agents are going to know which tour groups their customers have had good experiences with and which they've not. I'm just not a tour group kind of person.

• 14:41Speaker 04

  You're not. I've done both and I can see why you might want that, especially if you want to go to other countries and.

• 14:47Speaker 03

  All right. So let me, let me share a Krista and Clark story. When we go on our staff trips, Krista will arrange these day events for us to all do together as a bonding thing as a staff. And we'll go on something where the guide, walking tour, whatever, a bike tour. And the guide's going on and on. And this was built in 1478 and blah, blah, blah, and blah, blah, blah. And Krist is soaking in every minute of it. And I'm staring off into space because I just don't have the ability to have attention span to gather.

• 15:19Speaker 04

  What was your favorite one that I planned? Was it the one where we all did a cooking class in the person's home and you didn't really have to learn anything?

• 15:26Speaker 03

  Well, I didn't have to cook and it was beautiful setting.

• 15:28Speaker 04

  Yeah.

• 15:29Speaker 03

  And the food was good. No, but I'd say my favorite was when we went on the bike tour of Bangkok.

• 15:35Speaker 04

  Oh, that was dangerous. That was dangerous.

• 15:38Speaker 03

  Yeah, so what? It was, it was really, it was really fun. Because I'd been to Bangkok many times before, but I'd never seen it that way, running around.

• 15:49Speaker 04

  I was really worried, like I had arranged it and that somebody was going to get really hurt. Once I, we were on it and saw we were on like, sometimes like a seven-lane highway, like road on bikes without working helmets for most people.

• 16:05Speaker 03

  Yeah, the helmet thing's not a big deal there. So where are we going on staff trip next year?

• 16:11Speaker 04

  Wherever the deal is.

• 16:12Speaker 03

  That's right. That's always the key.

• 16:15Speaker 04

  What was the price to Bangkok? Do you remember?

• 16:18Speaker 03

  It was seven something.

• 16:20Speaker 04

  Oh, wow. That's high for us.

• 16:21Speaker 03

  Well, it was Bangkok's 12 time zones away. It's halfway around the world.

• 16:26Speaker 04

  It was 475 round trip.

• 16:28Speaker 03

  No, 400, 471 and 10 cents.

• 16:32Speaker 04

  Oh, see? He's a computer.

• 16:36Speaker 03

  All right. I mean, when we went to Prague, it was $550. You didn't go on that?

• 16:44Speaker 04

  No, I just had a baby. And when I saw the pictures.

• 16:47Speaker 03

  You just had a baby?

• 16:48Speaker 04

  I was kind of glad, no, when you went to Prague, because it was like negative temperatures and you couldn't see any of your faces because you were all bundled up.

• 16:55Speaker 03

  Oh, that was cold. Oh, man. But you know what was great? The Grand Place was empty.

• 17:03Speaker 03

  Usually it's packed with people everywhere.

• 17:06Speaker 04

  Sure. You zig when other people zag.

• 17:08Speaker 03

  Anyway, I've been to Prague several times. That was the only time I went in cold weather. I will not be back in cold weather, but I do remember that there were no crowds anywhere.

• 17:19Speaker 04

  Well, that's the benefit.

• 17:20Speaker 03

  Yeah. Okay, enough about that. Let's talk about something important for you that's stretching every dollar of your wallet at a time that inflation signals are not happy. We're going to talk about that.

• 17:36Speaker 00

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• 18:05Speaker 01

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• 19:47Speaker 03

  Federal Reserve has lost its credibility with the investment community. And what that's led to, that combined with the federal budget deficit, the inflation problems we have short-term, has led to higher interest rates that the big-money crowd is gravitating to. What about an everyday person? You have money that you're trying to at least keep up with this stubborn inflation. You want to save it. You want to know a dollar in is going to be a dollar out, plus whatever interest you earn. And one of the ways to do the best with your money, when you're just an absolute saver, is a CD.

• 20:31Speaker 03

  A lot of people love what's referred to as high-yield savings accounts. The yield's not really high right now, but it's not terrible. It stepped up some. Now, we're back to being able to earn somewhere around 4%. But hopefully, we'll get inflation under control before too long, and interest rates will start to go back down. So, that's the problem with a money market account, money market mutual fund, a high-yield savings account, is the rates change daily. So, the loss of confidence in the Federal Reserve and its desire to control inflation

• 21:11Speaker 03

  under its new chairman, has led to an opportunity with higher rates on CDs. So, money you don't need for a year, two, three, four, or five, this is a time you may be able to score a better deal than you have in a good while on what you can earn on a CD. Where do you buy a CD? One of the easiest places is if you do business with one of my three favorite children, Vanguard, Fidelity, or Schwab. Because you can buy what's known as a broker-placed CD, where you have full federal insurance. And because they deal with the wholesale side of banks and credit unions, potentially

• 21:54Speaker 03

  get a higher rate because of the size of the amount of money that the three giant favorite children of mine can bring to the table, you may, through an existing relationship with any one of those three, be able to get a great deal on your CD money. That's number one. Number two, go to an online bank and place a CD with them. And you can see the rates so easily online, what the best deals are on one- to five-year terms, and place that money. One place you don't go for your savings, for your CDs, anything like that, a giant monster mega bank.

• 22:39Speaker 03

  Okay, so, follow this. Inflation is ugly, okay? And you go to one of the giant monster mega banks, they're charging you 25% more or less on your credit card. What are they paying on savings accounts? Are you ready for the insult to your and my intelligence? They today are paying 1/100 of 1%. Seriously. They're paying you essentially zero when you're lending them money. And that's what you do when you put money on deposit in a bank and a savings account or CD. You're lending them money, that they then turn around and lend back out. But it's not a fair game with the giant monster megas.

• 23:19Speaker 03

  And truthfully, with most physical banks, they have so much overhead with those, they're not going to pay what you're going to get from an online bank. So, you can shop those. There's one thing I want to tell you, though, about CDs. We have a CD interest calculator under our calculators on Clark.com, is to be very wary of auto-rollover CDs. Now, I need to tell you this dirty pool that the banks play. It's so dirty. Okay. So, you get a great deal, let's say, on a one-year CD. And let's say they're paying you 4.7% or whatever. And then time slips up on you, and you don't realize it's been a whole nother year.

• 24:02Speaker 03

  And so, a year from now, you get a notice from the bank, you're automatically renewed for another year. But the renewal, instead of you earning 4. something percent, they're going to pay you 0.25% for the next year. It's a bait and switch. It's ugly. It's dirty. So, you want to make sure you don't buy a CD that requires rollover, automatic rollover. When that year, two, three, four, or five is up, you want to be a free agent. You don't want to be a captive for another one to five years. Krista?

• 24:38Speaker 04

  Ty in Georgia says, "I'm shopping for term life and long-term disability insurance. They both have questions about my financial health and behavioral history. When I'm shopping, they ask if I plan to travel abroad within the next two years." Similar to you, I love to see the world. I do it once every other year. These are mostly safe destinations, like Europe, Japan, South Korea, Singapore, and Argentina. If I sign up for term life or long-term disability, am I supposed to refrain from traveling until the two-year limit expires?

• 25:09Speaker 03

  So, if you have nothing booked at the time you buy the policies, you can say, "Well, I have no travel booked now." Don't lie. Because if a deal comes along and you hear me say, "Hey, there's this incredible deal too," fill in the blank, you might say, "Hey, I want to go." And you book it. You're not naming places that are exotic travel destinations necessarily. So, they may ask, I mean, you may say, "Well, yeah, I probably will go to Europe at some point," or something like that. You could answer it that way. The underwriters aren't going to blow their minds over that. Just give them an honest answer. And it can be a limited thing, saying, "Well, I don't have anything planned."

• 25:54Speaker 03

  Or be just straight out, "Yeah, I love to go to Europe. I'll probably go to Europe sometime in the next two years." And you should be fine. And I'm so glad you're buying level-term insurance and long-term disability insurance. Disability insurance is the most underbought insurance that people should buy, because the chances you're going to die by age 65 are 1/3 the chance that you will become disabled by age 65. So, that's why disability insurance, almost never purchased, is such a good idea to have.

• 26:31Speaker 04

  Missy in Connecticut says, "We recently had a dispute with Budget Rental Car regarding hail damage to a car we rented. There was no hail when we had the car. Budget set the claim to their claim company to attempt to collect damages. I had pictures and video of the car before and after that showed no damage, but that did not seem to matter. Finally, after filing complaints with several better business bureaus where Budget and their insurers based, the company dropped the claim. We are now going on a trip, and Budget has the cheapest price for a rental. Do you think the rental car company would prevent us from renting because of our prior issue? And P.S., make sure you take pictures and video of the roof of the car, just in case there is hail."

• 27:15Speaker 03

  Okay. So, I got to tell you that, Missy, I am so excited that you shared a case where the only thing that protected your wallet from a full-on raid from Budget Rental Car was that you had done before-and-after video and pictures. I have video from the vehicle I rented last week, and I've got the full video going around the vehicle, the whole thing, before and after, because this is such a problem that we keep hearing from people, like we're hearing from Missy. I keep the videos three months. I figure by then, if I haven't heard from anybody, we're going to be fine.

• 28:00Speaker 03

  And so, this is something that you have just taught other people. As far as whether you rent from Budget again, that is your choice. What's the expression? Burn once, shame on you. Burn twice, shame on me. So, you'll have to make your own call on that.

• 28:18Speaker 04

  I mean, at this point, though, we're getting, I mean, well, first, I want to say, I wouldn't have thought to video the roof. Now, I'm going to do that. But also, like, we're starting, all these companies, we're hearing things about the rental car companies. So, I kind of wouldn't know what to do now.

• 28:30Speaker 03

  Well, all the rental car companies are owned by three conglomerates, except there's a smaller European family-owned one called Sixth that's spreading around the U.S. But all the brands you see are owned by three groups.

• 28:44Speaker 04

  JP in Georgia says, "Clark often praises cash-back cards, but at the same time rails against the credit card cartels for the high fees they charge merchants. I am sympathetic to the merchants. What is the cheapest way for me to pay them? Apparently, reward cards charge merchants more than non-reward cards or debit cards. Nobody likes checks, but they wouldn't cost a merchant anything. Neither does, dare I say it, big bad Zelle. Do you see any competition coming to the cartels?"

• 29:13Speaker 03

  I hope so. Gosh, you're taking me to an inside-baseball thing, but you may or may not have heard, if you were a big traveler and you subscribe to all these reward newsletters, they are being pushed by the credit card companies that pay them commissions for referral fees when somebody says, "Hey, you should get this card from whoever." They're being pressured to put out these false things, narratives, about Congress breaking up the Visa-MasterCard cartel. And the banks are clearly worried, because they got a gravy train. And so, they're telling you, "You should write your congressman or senator and tell them to leave your reward cards alone."

• 29:56Speaker 03

  Well, first of all, those of us who play the reward card game, we're doing so to our benefit, but to the detriment of everybody else, who's getting just eaten alive by these massive cartel-like charges from the big banks and the credit card cartels. So, we would be much better off if we use systems that are spreading around the world, like the one from Brazil, that other countries are copying all over the globe, where they are, any Brazilian is able to send money to any other Brazilian, or pay any business, or whatever, at almost zero cost. And the Federal Reserve here...

• 30:40Speaker 03

  Was working several years ago on putting together a similar money payment system that's extremely secure. And the banks went whining to the Congress and the regulators and we just don't want this because look at all the money we're making. It's a terrible, terrible abuse of business owners, restaurants, retailers, even the big bad airlines getting clobbered with all these fees, you name it, on and on and on. This has got to stop. And it's just, this is a perfect symbol of the political corruption

• 31:18Speaker 03

  in the United States, that big moneyed interests are able to conspire through the help of the campaign contributions they give to members of the House and the Senate to set up conditions harmful to the American people. And I've been reading a lot about how much a war there is right now among American voters for arguments from populists of all different kinds of things. And it's because the frustration people feel in the United States about how modern political life works against the interests of the country and the American people, instead

• 31:58Speaker 03

  of for it. And that's all I got to say about that. Because now we're going to generate, the place you go for Clark stinks is Clark.com/ClarkStinks. But the reality is, JP, what you're looking for already exists in the world, we just don't have it here. And you know whose fault that is? It's the big banks, it's Visa, Mastercard, American Express. They are at fault for why we don't have an efficient, secure, low-cost payment system within our

• 32:36Speaker 03

  50 states. It makes me frustrated, obviously, and I wish I could fix it. I can't. But maybe collectively, we can. With that sober thought, finishing out today's podcast, speaking of Clark stinks, our next podcast, my favorite of the week, when you get to hear Clark stinks or see it. And I love having an opportunity to learn from you, to share with you, for you to share your wisdom with your fellow listener or viewer. And we'll be doing that on Friday. Right now, you know, when you're done listening to this podcast or watching

• 33:18Speaker 03

  it, you can go do stuff for your wallet by checking us out at Clark.com. I love the content that we post all week long at Clark.com. The whole idea is knowledge, equalling power, giving you more control in your life, so you can save more, spend less, and avoid getting ripped off. Again, I'll see you Friday.

• 33:46Speaker 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. Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 34:02Speaker 06

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