09.25.26 Clark Answers His Critics on Clark Stinks / Price Drop: Athletic Shoes

Clark Stinks & Deal Alert: Running Shoes Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, running and walking shoe prices are finally dropping, creating a massive money-saving opportunity for your wallet. Major retailers like Dick’s Sporting Goods are feeling the squeeze from an oversupplied market and slowing consumer demand, leading to deep discounts across nearly every major brand. Whether you need a fresh pair for daily walks or serious training, now is the time to skip full retail and lock in major savings across the board. All this and more on the September 25, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Clark Stinks: Segments 1 & 2 Running Shoes Discounted: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Money Tips To Know Before You Travel Abroad - Clark Howard 5 Money Mistakes To Avoid When Traveling - Clark Howard Mystery Vacation | Groupon Getaways How To Get Top-Brand Running Shoes for Cheap Right Now Clark Deals - Shoes How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Your Passport Could Be Useless - Even if It's Not Expired / State.gov How Much Money Do I Need in My Emergency Fund? - Clark Howard 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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• 0:27Speaker 01

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• 1:03Speaker 03

  I'm so glad to welcome you here to 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 today, as we do on Fridays, it's time for our Clark Stinks segment where I get to hear your feedback where you feel I was incomplete, incorrect, or even just plain dumb. And later, there are great deals to be had on something that improves your health. Running and walking shoes. I'm going to fill you in on that.

• 1:46Speaker 03

  But right now, it's time for Clark Stinks.

• 1:50Speaker 04

  I should have never encouraged you to speak.

• 1:53Speaker 05

  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.

• 2:08Speaker 06

  Had to let it play out. Somebody said I talk over the Clark Stinks sounder, and I stink for doing that, so I'm all about correcting myself. We're going to start with Ed in Connecticut. Clark, you stink more than the cooler full of food from the picnic I forgot in the back of the trunk.

• 2:24Speaker 03

  Ooh.

• 2:25Speaker 06

  You recently suggested someone who has never traveled abroad use their ATM when they arrive overseas to get local cash. You said she would get a better rate than changing money at home. Clark, how penny wise and pound foolish can you be? Imagine someone who has never traveled feeling brave enough to go to an ATM. What if they have a problem? Years ago, Italian ATMs did not work for PINs that started with a zero. You should have recommended she go to AAA or their local bank and get $100 or $200 in foreign currency. The second they arrive, they can grab coffee, get a troller, cart, et cetera. After getting settled, they can try the local ATMs. Or they can always hoard the cash and spend it the last few days for meals.

• 3:07Speaker 06

  How much are you saving exchanging $200 cash at home as opposed to an ATM? Five bucks?

• 3:13Speaker 03

  20.

• 3:14Speaker 06

  What if the foreign ATM charges fees for withdrawals? Also, I think you suggested the caller try the UK for a first visit. Good suggestion. You should have also suggested Ireland where they also speak English, yes, with a beautiful accent, and Ireland is much smaller and less overwhelming than London for a first-time traveler.

• 3:34Speaker 03

  Thank you. That is a great suggestion about Ireland, although I find that London is a better destination than Dublin for a first-time traveler. But yes, that is a good suggestion. On the ATM thing, that being intimidating, I have never really thought about that. The difference, you figure you get foreign currency in the United States, you're going to pay about 10% of the money you get in junk fees. So the 200 would waste about 20 bucks versus doing it overseas. And I appreciate what you're saying about simplifying things for a first-time traveler.

• 4:14Speaker 06

  Dan in Florida says, "You stink worse than a high school football team's locker room in South Florida in the middle of August."

• 4:21Speaker 03

  That's pretty stinky, huh?

• 4:22Speaker 06

  Gross, gross. Recently, I heard you criticize people who buy products at stores like Target and resell them on Amazon. Retail arbitrage. I really don't understand what bothers you. Isn't this capitalism? I've done it myself. You may buy something for $20 and sell it for 50, but that doesn't account for driving hundreds of miles, your time, gas, Amazon fees, shipping returns, and the risk of getting stuck with inventory. And how is that different from Walmart? Buying a plastic bin for a few dollars, getting it shipped here, and selling it for 25. Why is it okay for a huge corporation to buy low and sell high, but not the average person who is putting their own money, time, effort, and taking the risk? I just to understand why making a buck is okay for Walmart, but not for the little guy.

• 5:07Speaker 03

  I apologize. I don't remember this circumstance.

• 5:09Speaker 06

  It's probably like the third-party sellers on Amazon and places like that that are selling.

• 5:14Speaker 03

  Okay. So the thing that is tough for me is you go on Amazon and you see Kirkland Signature, which is Costco's private label, and you see the items for sale on Amazon for way more than they cost at Costco for the same private label Kirkland Signature things. And then there will be an item like, let's say there's a particular vitamin you're looking for or whatever, and it will be available on Amazon or walmart.com at all different price points from them as an official seller and then from third-party sellers. And people end up overpaying for those items.

• 5:58Speaker 03

  So I was looking at it not from your perspective as somebody trying to make money on retail arbitrage. I was talking about it from somebody paying far, far more than what the normal market price would be for an item.

• 6:15Speaker 06

  Ed in Oklahoma says, "The odor today isn't too bad, but I think your travel philosophy is a little out of touch. I, for one, don't have a desire to go just anywhere simply because it's cheapest. That being said, you must be giddy over what I heard Groupon is doing where the cost of a trip is very low, but they don't tell you where you're going until 72 hours before departure, I believe. Is this not right up your alley?"

• 6:40Speaker 03

  It is.

• 6:41Speaker 06

  You talked about this.

• 6:42Speaker 03

  I am so excited. We haven't talked about it on the podcast or YouTube show. What Groupon is doing, I think, is just so fun. This is the third time I'm aware of. There's been mystery fare programs. There was an airline based in Colorado Springs years ago. I think it was called Western Pacific. And they did a mystery fare where you would only know if you were going to a warm-weather destination, cold-weather destination, or a beach after you bought the mystery fare. And you'd get to the airport, and that's when you found out where you were going. So the Groupon program is a similar kind of thing. You just have to have wanderlust.

• 7:26Speaker 03

  And I already pitched it to my wife, Laine, and she was not as enthusiastic about it as I was. I was like, yes, yes, this is great. Now...

• 7:39Speaker 06

  You should do this with your son, because he's adventurous like that.

• 7:43Speaker 03

  Yeah, he and I will go anywhere there's a deal. But anyway, the Groupon, the thing that people have been saying is that the airfare ends up being on something like Frontier, and a lot of people have not had the greatest experiences with Frontier, them keeping it charitable there. So that's the thing is, yes, the Groupon is exactly my kind of thing. Wow, I can't believe it. I get to go to, fill in the blank.

• 8:17Speaker 06

  Greg in California says, "There's something foul afoot, and it's you, Mr. Clark. A listener indicated you find a deal, then a reason to go there." He also asked how you know when it's a deal. He specifically asked about the whole package, air, hotel, and car rental. I would take it a step further and add exchange rate. Your answer was stinky because it went on and on about air costs only. If you've listened to Clark for more than five minutes, how to track the best airfares is probably the name of your dog. We all get that one. But how do you track the whole package is the question that you did not answer. Sure, a flight could be cheap, but the hotel could be two times as much. So is that actually a deal? Love, love, love the show, Clark. Thanks, Clark.

• 8:58Speaker 03

  Okay. So guilty is charged because when was it we went to Hawaii on staff trip?

• 9:05Speaker 06

  Two years ago.

• 9:06Speaker 03

  Two years ago. And the airfare was so crazy cheap because there were these out-and-out huge fare wars. And then we started looking at what housing was going to cost. And it turned out not to be the bargain trip that we were all expecting. So I've clearly messed up, and no doubt, like right now, with the US dollar in decline against a lot of currencies, the total cost of a trip is obviously very important. Checking what hotels are going to cost and other aspects are not things you can just

• 9:47Speaker 03

  say, oh, oh, oh, well, got that great airfare deal. You are right that you've got 24 hours from when you book an airline fare when there's a great deal. Use those 24 hours to shop the other elements and see if the overall total cost of the trip will be a deal. You're right, I was wrong.

• 10:09Speaker 06

  Sherry in Georgia says, "I've listened to Clark for decades and learned a lot, but I really wish Clark would stop with the big, bad, monster mega banks and give..."

• 10:17Speaker 03

  Giant monster mega banks. Let's get it right.

• 10:20Speaker 06

  "...and give some more warning about all the fintech companies that claim to be FDIC insured, but technically are not. As an example, he promotes rates at Betterment regularly, but they aren't technically FDIC insured and could turn into another Yada." Yoda, Yada? I forget how you pronounce that. "No, the banks are not perfect, and you have to look out for yourself, but they do actually have that FDIC backing."

• 10:41Speaker 03

  All right. So that's a good point. You know... What happened in that case where you were being told it was FDIC insured, but then the money got lost. And I don't even know what's ever happened to those hundreds and hundreds of millions of dollars that people were without. That story just kind of went quiet, didn't it?

• 11:02Speaker 06

  Yep.

• 11:03Speaker 03

  Normally, when you go to a bank, or you go to a credit union, you are insured, a credit union, NCUA, a bank, FDIC, your money is safe up to quarter million dollars. There are things you can do to get it beyond that. And then there's all this fuzzy stuff with fintechs where the money goes to them. And then the promise they make is it's going into an FDIC insured bank with a partner bank or bank, not credit union typically. And then you've got Fidelity, Schwab, Vanguard, that are doing what Betterment's doing, where

• 11:48Speaker 03

  they take your money and then if you want it to be, they can put it into an FDIC insured account. So then what happens in between? What happened with the fintechs before was a very, very rare occurrence. Doesn't mean it can't happen again. And I appreciate your point. I don't worry about Betterment at all, running off with people's money.

• 12:13Speaker 06

  All right. Zoe in Georgia says, Clark and Krista, you two smell worse than my sweaty gym laundry, marinating in a hamper during the Atlanta heat wave. So let me freshen things up with a PSA. There is absolutely zero reason to unlock your phone and hand it to a stranger for a photo. Every iPhone and Android made in the last decade can take pictures straight from the lock screen. On my Android, the camera icon is right there. Swipe, snap, done. Phone stays locked, data stays safe. It's so simple, even my five-year-old can open the camera when we're not looking. My wife demands family photos everywhere we travel, and not once have we unlocked our phones and handed them over, not once. And we still get every perfect vacation shot she wants. So please, Clarkies, protect your

• 12:57Speaker 06

  phone like it's your wallet, because basically it is.

• 13:00Speaker 03

  Have you seen that on your phone?

• 13:01Speaker 06

  Yes, but I'm just nervous to even hand my phone to anyone anyway.

• 13:04Speaker 03

  So I don't, I don't have a problem with somebody taking a picture, laying in me when we're somewhere. But yeah, don't unlock the phone. Because with iPhone and Android, just as you said here, Zoe, you're completely right. Don't unlock that phone for the person taking the picture for you.

• 13:24Speaker 06

  Tony Nevada says, Clark, you smell as bad as trash rotting for a week in the 118-degree Vegas summer sun.

• 13:31Speaker 03

  I am really smelly trash. So many different ways to do it.

• 13:35Speaker 06

  Yeah. I recently heard how you suggested having your thermostat at 68 for optimum sleeping health. Can you imagine what your electric bill would be for one summer's month in Vegas? On some days, that could be as much as 50 degrees cooler than the outdoor high temperature. I would love to have it at 68 at night when the low is in the mid 80s, but I would be broke. You stink, giving hope to all Las Vagans, but we still love you. Just because of this, I'm going to call you Mr. Howard from now on.

• 14:03Speaker 03

  All right. Which way did they say we should pronounce the state?

• 14:08Speaker 06

  They said that you're pronounced, they thanked you for pronouncing it correctly. Go ahead.

• 14:12Speaker 03

  Okay.

• 14:13Speaker 06

  What do you say?

• 14:14Speaker 03

  Nevada.

• 14:15Speaker 06

  Yeah.

• 14:16Speaker 03

  All right. So you say Nevada.

• 14:17Speaker 06

  Sometimes I do.

• 14:18Speaker 03

  That's okay. All right. So that is a very good point, when it's 118 in Las Vegas, 118 in Phoenix, and I'm talking 68 degrees. So yeah, eventually, you might not have any air conditioning at all if you can't pay the bill, right? So that is general advice about the fact that people tend to get a much better night's sleep with the temperature in the 60s, but not obviously realistic if you live in the desert southwest. Imagine in the Middle East. You know, this summer, they've had temperatures of 145.

• 14:58Speaker 06

  Wow.

• 14:59Speaker 03

  Some days.

• 15:00Speaker 06

  That's crazy.

• 15:01Speaker 03

  145 degrees. How do you even walk out in 145 degrees?

• 15:06Speaker 06

  Alex in Nebraska says, you said you don't understand why people get pedicures, and then you said you've never had one. I went with my wife as her Father's Day present to me. Let me tell you, it was great and so relaxing to have someone take care of my feet. It included washing my feet, a foot spa, hot stone massage, and exfoliation. I'm going to go back today for my second pedicure in two months. Don't knock it till you try it. And we did hear from some other people as well who said that.

• 15:33Speaker 03

  What do I say to that?

• 15:35Speaker 06

  You say, I'm going to try it. Dan in Massachusetts says-

• 15:38Speaker 03

  I won't even get NFL Sunday ticket, and you want me to spend money on a pedicure?

• 15:43Speaker 06

  Dan in Massachusetts says, Clark, Clark, Clark, as a career fundraiser for nonprofits, I caught a slight stench of lost opportunity in your recent response to a question from a couple who said they were not interested in leaving their estate to anyone. I was certain that you were going to mention the option of leaving charitable bequests. I'm still waiting. This couple and thousands of others in your audience may not be aware that they can make a big difference at their favorite mission-driven organizations through gifts made via their wills. I think most estate planners mention charitable options to their clients, but with more people doing their own wills online these days, there's a significant number of kind-hearted folks that just aren't aware that they can leave some or all of their estates to qualified charities whose work they've supported during

• 16:27Speaker 06

  their lifetimes. Please encourage your audience to consider this option of making a legacy gift through their wills. Thank you.

• 16:34Speaker 03

  That's a really good point, and one I should have made. And doing estate planning when you're not, there are no obvious heirs, to leave the money to make a difference with a charitable organization you love, believe in, their mission, you believe the efficiency of their mission, that is a great idea. And thank you. This, so many of these today are perfect examples about why we do Clark stinks in the first place. And I appreciate all of you taking the time and coming up with unique ways to say how much I stink.

• 17:16Speaker 03

  So we had Florida in August after high school football practice.

• 17:21Speaker 06

  Yep.

• 17:22Speaker 03

  The locker room.

• 17:23Speaker 06

  Mm-hmm. Vegas.

• 17:24Speaker 03

  And we had Vegas. Yeah. Okay, those are really fun. Coming up ahead, speaking of needing a shower because you stink, how about getting a deal on running shoes? The time is now.

• 17:37Speaker 07

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• 18:38Speaker 01

  This holiday, all plans, even unlimited, are just $15 a month. A holiday deal this good obviously deserves an enormously expensive holiday song like "All I Want." Right. Okay, we can't afford that. You know what? Forget the music budget. We're gonna stick with whatever's in the public domain. Give it a try at mintmobile.com/switch.

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• 20:07Speaker 03

  So I'm wearing Hoka's and Hoka prices went to territory that is unacceptable for me. Triple digits, but they are the most for me, and shoes are so personal, most comfortable shoes I've ever had. And Hoka's been such a popular brand. And recently, I was able to buy the Hoka's I wear for $82, not used or anything, brand new. And it's not like I got lucky. Running shoes and walking shoes, the market is way over-sourced right now.

• 20:52Speaker 03

  There's way too many providers. So many of them are struggling. Brands that were hot suddenly aren't. And the deals are out there now. And so the prices are dropping. Those of you who follow Wall Street know that the chain Dick's Sporting Goods got absolutely blown apart in their most recent quarterly filings. And the stock price took it on the chin because they had to tell Wall Street, running and walking shoes just flat out aren't selling right now, at least not in the quantity that a big chain like that needs them to. And so this is a time of opportunity.

• 21:36Speaker 03

  I've noticed on Amazon's clearance site called Woot, W-O-O-T.com, that they are having running shoe and walking shoe deals used to come up probably six to eight times a year. They've had deals on shoes twice in the last 10 days, I guess. And so they are absolutely in overstock. And we're moving into the time of year that days are shorter. In a bunch of states, the weather's getting colder or not, not as hot anymore. And so this is not a natural time of year cycle for people to buy running and walking shoes.

• 22:21Speaker 03

  You throw on top of it, the too many brands thing going on right now. And not everybody can stay on top with a brand. And then something that I do, it didn't happen with the pair I just bought for $82, but I tend with Hoka to go back one generation on the shoes and get a better deal. I mean, one time, not going to believe where I got a deal on Hoka's because it's a store that I just don't go to. But a friend had a new pair of Hoka's. I said, where'd you get those?

• 23:02Speaker 03

  And he told me he got them at a store called Nordstrom Rack, which is a discount version of Nordstrom or clearance version of Nordstrom or whatever. Sure enough, I went, I was at breakfast, went right from breakfast, Nordstrom Rack, found the shoes and bought them there. And they were a deal. I just wouldn't have thought of going there to get the shoes. And this is not just a particular brand. This is pretty much across running and walking shoes, that the market is overstocked and companies that were hot as could be, suddenly not.

• 23:43Speaker 03

  And there's a lot of opportunity for you to save money. So you know my obsession with walking miles per day, right? And I was averaging nine miles a day. Now I'm averaging seven because body parts were starting to hurt from me doing so much walking. And now I just read an article that I'm walking much further than there's any medical science showing there's any benefit to it.

• 24:15Speaker 06

  Well, but it's for your mental health.

• 24:17Speaker 03

  That is true, but apparently when you get past about 8,500 steps in a day, I average about 14,000, that when you get past 8,500, that there's really no additional benefit. I didn't like reading that at all. There's huge benefit for every thousand you go past a typical person's, I think, 3,500 steps a day. I mean, longevity and health outcomes and all that. But as much as I'm doing, it's apparently just all for, as you said, for my mental outlook and mental well-being.

• 24:58Speaker 06

  All right, let's go to questions. Nolan in Colorado says, hi Clark, I can't believe I fell for this. Time to renew my son's passport. So I Googled DS11 as I need to fill out the form online before the appointment. I did not pay attention until I hit the payment button and then I realized it was a fake website. I paid $100 with my credit card. What should I do now as a remedy? Call my credit card company to deny the transaction? Freeze my son's credit? Even so, my family info is out there in their hands now. I'm angry and embarrassed of myself and I failed to be a 12-year Clarky.

• 25:32Speaker 03

  Nolan, first of all, stop beating yourself up. If you do a Google search, which is the most common search engine, and you look for the phone number for any company, you look for the website of any company, you look in this case for renewing a passport, you look for any of these things, the Google responses almost always are going to direct you to scams. It is a huge problem. A Google search is not trustworthy anymore. And I don't know what the Google people are doing that they've not fixed this. But it is a terrible, terrible problem. So don't blame yourself.

• 26:18Speaker 03

  You did something that's normally common and routine. But as an example, let's say you're looking for customer no service at an airline, or you're looking for calling your bank's customer no service line or whatever. Never, ever trust a Google search. Go directly to the website of the bank, of the credit union, of the airline, of whoever. And when you're renewing a passport, know there's a common scam to take you to a third party. And there's a twofer there. You lose money and as you're worried about that your information's out there.

• 27:00Speaker 03

  They did provide a quote-unquote "service" to you, pre-filling out the passport renewal forms. So the money, you, a hundred bucks, just forget about it. What you need to do for every family member, though, is freeze their credit. That's the highest priority. And if you are renewing a passport, the good news is state.gov, for so many renewals now, you can do it digitally. You don't have to even go get the little pictures and fill out the forms and go to a post office or anything like that. You can do digital renewal so easy, so quick.

• 27:40Speaker 06

  Sean in Georgia says, my son had a job working as a janitor at a local hospital. Someone improperly disposed of a hypodermic needle in a trash bag, which stabbed my son when he removed the bag. His supervisor sent him to the ER covered by workman's comp. Thankfully, after the blood test, my son is okay and did not catch anything. The problem is, he keeps receiving a bill from the hospital for almost $700. He has followed up with his boss and has been in contact with the person who's supposed to be able to correct the mistake. This person has repeatedly told my son over several months that it will be taken care of. The bills keep coming. At first, the billing company was patient. Now they're threatening to turn my son over to collections. What can we do? This wasn't my son's fault.

• 28:25Speaker 06

  He did his job. He did what he was told. Now he's being billed by his own employer and no one cares. Please help.

• 28:33Speaker 03

  Okay, this is absolutely ridiculous. I mean, this is obscene. And this shows how messed up hospitals are with billing. That's why you can never, ever, not ever trust a hospital bill. They're just terrible at them. Okay, so the hospital will have a hospital social worker or a patient advocate.

• 28:59Speaker 03

  That's who your son needs to go to now to get this taken care of because this collection agency can ruin his credit if it goes long enough and the amount of money involved is enough that it can ruin his credit. It is disrespectful to him. It is absolutely silly. And so the hospital has the patient advocacy and that's where this should get solved. And I want to hear back from you, Sean, that this in fact, has now been taken care of after your son goes to the hospital, social worker, or patient advocate.

• 29:42Speaker 06

  Music Man for Sure in Nebraska says, I'm having an issue keeping my emergency fund as an emergency fund. I'm newish to having any sort of savings about three years and can always justify my expenses as something that needs to be done now. I have about $6,000, but it always seems to hover right about there. My total expenses are rather low, relatively speaking, living in Omaha with a house purchased in 2014. So I would only need about $15,000 to $18,000 for a full six-month emergency fund, though I would like to have more around 25K.

• 30:13Speaker 03

  Wait, wait, wait, wait. That's fantastic that life expenses are that low.

• 30:19Speaker 06

  I currently keep the $6,000 in a high-yield savings account with Ally, where I also have a money market account and stock account, though I'm not currently contributing to the stock account. My current holdings are around $200. The money market account is where I pay all my bills, credit cards, mortgage, et cetera, which makes it easy to transfer money between the high-yield savings account and the money market account. The only solution I can think of is to open a high-yield savings account at a different bank or firm, please said firm, to make it a little more challenging to transfer money. Do you have any other suggestions? I do contribute the max to my Roth spread across the year, plus an additional 250 a month, which I've been doing for three years and will soon increase to 400 a month, to a 403B that I don't touch. This is in addition to a 10% contribution to pension

• 31:04Speaker 06

  that is matched at 10%. As a teacher, I'm really happy about my retirement prospects. I'm 44, single, though looking, with no kids. My only debt is a $65,000 mortgage and an $8,000 car loan.

• 31:17Speaker 03

  All right, Music Man, cut yourself some slack. You buried the lead at the end. You're maxing out your Roth, you're contributing to the 403B, you're going to get that to where you're contributing five grand a year approximately. You're doing 10% of your pay to a pension that's matched 10%. The fact that you've got $6,000 in emergency fund instead of 12,000 to 18,000, don't worry, be happy. You are doing what you're supposed to do. You are paying yourself first. Three different ways, the pension, the 403B, hopefully

• 31:58Speaker 03

  it's not an outrageously overpriced 403B, and your own Roth IRA, and you have a savings account that would cover three months of expenses, I guess, based on what you said. Don't worry, you're good. Keep doing exactly what you're doing. And if you get to a point later where you can build up more rainy day money, stop with the guilt, promise. And thank you so much for joining us today. And I hope you've enjoyed today's podcast. I hope you know that all weekend long, we serve you at Clark.com, Clarkdeals.com. And we're there

• 32:42Speaker 03

  for you with information you can trust and actually put to work in your life. See, that's the key. It's not enough to find information you trust. It has to be presented in a way that you can then act upon it. So up to you if you act upon it. But that's the combo that we try to deliver in everything we do on YouTube, on the podcast, on social media, our websites, our newsletters. It's all about you taking control, taking charge of your life. Knowledge is power if you use the power. And that's what I want for you. So go out

• 33:23Speaker 03

  there, have a powerful, fun weekend, and we'll be at your service on Monday with more empowerment that gives you ways to save more, spend less, and avoid getting ripped off.

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