Pod Insights The Clark Howard Podcast 12.06.24 Clark Answers His Critics on Clark Stinks / 401(k) Savings - 2025 About this episode Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also - some older workers have a new opportunity to sock more money away in their 401(k)s next year. Use our calculator at Clark.com to estimate how much your retirement accounts will grow over time. Clark Stinks: Segments 1 & 2 401(k) Super Catch-Up Provision: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why I Think Medicare Advantage Plans Stink - Clark Howard The American College of Trust and Estate Counsel: ACTEC What To Do if Your Flight Is Delayed or Canceled Older Workers Can Now Supersize Their 401(k) Savings - WSJ 401(k) Calculator (Clark.com) Roth vs. Traditional 401(k): What's the Difference? What Is a Solo 401(k) and How Does It Work? 5 Sneaky Ways To Improve Your Credit Score Journal of the American Medical Association The New England Journal of Medicine | Research & Review The Lancet | The best science for better lives Mayo Clinic: Top-ranked Hospital in the Nation / Cleveland Clinic Clark's Christmas Kids 2024 Clark.com resources Episode transcripts Community. Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Disclosure in Podcast Description: A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule. Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. Learn more about your ad choices. Visit megaphone.fm/adchoices
Transcript 0:00 Speaker 00 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.
0:12 Speaker 01 Pricing participation may vary. Promotion pricing may be lower than meal pricing.
0:15 Speaker 02 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.
0:49 Speaker 03 I'm so glad you're with us today 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. Happy Friday to you. I hope your day is going so well. I'm having a great day and my great day is about to get a whole lot better. Thanks to you because we're going to hear how I stink.
1:18 Speaker 04 Can I also say one quick thing? And thanks to you, to everyone who's donated already to Christmas kids. Have you seen like people are so generous? It's really incredible.
1:27 Speaker 03 I mean, I, I every year, this is our 34th year of Clark's Christmas Kids. And I get nervous every year, we're going to take care of the wishes of these precious children who sometimes at birth or at different ages, all the way through their teenage years, end up without parents that can take care of them and end up in the foster care system. And I want these gifts for these kids, Christmas morning, where adults have disappointed these kids over and over again through their lives. I want them to know they're cared about because the kids get to make these wish lists and
2:07 Speaker 03 the teenagers never expect that they're ever going to see anything and certainly not what they asked for, which is why the match game we play with Clark's Christmas Kids is so important because the kids say what they want. And how cool is it that Christmas morning, they actually have those gifts?
2:28 Speaker 03 Thanks to your generosity and I'm just so grateful and you know this thing works that we're at it 34 years. Clark'sChristmasKids.com. It's a great thing. By the way, later after Clark stinks, do you know that under a new obscure provision, older workers can now sock more money away in their 401ks in 25, a lot more. And this is a stunner because it's hard for people who start saving later and they're like, oh, boy, I got to get on this to catch up. And this is
3:11 Speaker 03 a turbo catch-up provision. Don't know how long it'll be around, but it's around for 25. I'm gonna tell you who's eligible, how it works. And we've got a tool for you at Clark.com. You know, we keep designing these individualized tools that you can put in your exact circumstances and see what works best for you. This is a tool that makes it possible for you to estimate how much your retirement accounts will grow over time, based on your age, what you got in, that kind of stuff. So you can see if you're on track or not. So now it's time to see where I got off track, off base, just flat out wrong and Clark stinks.
3:55 Speaker 05 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.
4:02 Speaker 04 Maybe you're right, pal.
4:08 Speaker 04 All right, we're gonna start off on a positive note. If Clark does smell a little, it's only because there's not enough positive information coming from the show. Perhaps you could figure out a way to include more stories about great customer service or companies doing the right thing. Here's an example of customer service that goes beyond belief. Back in August of 21, I purchased a very expensive and awesome surround sound speaker system from Klipsch with a one-year warranty and no extended warranty. About a week ago and more than two years Outside the warranty, the soundbar started cutting out and then died. No power, nothing. After doing some research, I found out the power supply buried deep in the soundbar was built with faulty components for this product line. I called Klipsch Corp. Klipsch, I really struggle to say it, sorry.
4:52 Speaker 03 I don't even know what this is.
4:54 Speaker 04 It's a fancy.
4:55 Speaker 03 Premium brand?
4:56 Speaker 04 Corporate customer service with a smile on my face. And after jumping through some minor hoops, they are sending me a completely brand new system valued at $1,100.
5:05 Speaker 03 Wow.
5:05 Speaker 04 No charge to me. They know about the faulty power supply and decided to do the right thing. Steve.
5:10 Speaker 03 Steve, thank you. And I really love, appreciate positive messages. You know, as a general rule, when people are having a good experience, they don't share it like you do. They share with us when they're frustrated and dealing with customer no service. That's why you hear more negative than positive.
5:29 Speaker 04 Clark stinks worse than a field of open corpse flowers by his suggestion to try Walmart Plus for perks, including quote unquote, free delivery, grocery delivery. Unlike Amazon, they suggest you tip for your delivery. If you spend $100 on groceries each week at 15% tip, that's over $750 a year in tips that could be saved by just doing pickup at store where they bring to your car without a tip. Keep this up and you'll have to change your slogan to save less and spend more. Rich.
5:58 Speaker 03 Rich, good point. The tip is voluntary, as I understand it. So you can give as little as zero or as much as you wish. But you're right. I mean, picking it up yourself, you eliminate that issue at all. Corp side.
6:17 Speaker 04 Clark stinks worse than our kitty litter box after a long weekend. Clark frequently talks about Medicare disadvantaged plans and quotes, but fails to discuss the states, we're in New York, that allow folks to switch back to standard Medicare without requiring Medigap underwriting. I understand that this affects only a small percentage of the audience, but would really like his perspective on Medicare advantage plans for those in the few states like New York that are much more flexible than other states. Scott.
6:43 Speaker 03 Scott, thank you. And your point is completely valid. I'm trying to remember their. Three states. It's, it's just a tiny handful that do it right, that allow you, if an advantage plan turns out to be a disadvantaged plan, to not be punished for the rest of your days and be able to migrate to, back to traditional Medicare. Interestingly enough, I just saw a story a couple of weeks ago that the disadvantaged plans themselves are patient dumping. That if somebody ends up with a really terrible illness, they're saying, you know, it'd be so much better for you if you went to traditional Medicare, you'd get much better care.
7:26 Speaker 03 And then the taxpayers are getting stuck because then the insurance companies are only cherry picking and dumping really sick patients back on to the taxpayers' roles rather than the insurance company roles.
7:42 Speaker 04 You stink worse than a vacant house strewn with garbage that's been there for a year. Don't believe in rent control? How is it that major corporations can conspire with a company that created algorithms to artificially inflate rental prices based on fake occupancies and run that program mafia style to make sure the corporations comply? While rent control is one solution to deal with high rent over and over again, corporations continue to prove that they are greedy and will do anything to take the most amount of money out of working people's pockets. We need real solutions for working people. Finding out down the road you've been duped out of money is not helpful. Neither is another class action suit. Jane.
8:21 Speaker 03 Jane, thank you. This is a story that has gotten a lot of publicity in the financial press and not in the general media, but the apartment owners have been conspiring allegedly, price fixing through sharing confidential data with each other through a third-party data company to be able to push rents up above where they would be in a free and open market. And my attitude about that kind of thing, fines don't do anything, class actions don't do anything. What makes a difference when there's illegal behavior is when people go to prison.
9:01 Speaker 03 And we never seem to prosecute corporate crime in any meaningful way, other than these meaningless fines. So absolutely.
9:12 Speaker 03 I understand your frustration and it is flat out wrong that the apartment owners have been engaging in price fixing.
9:21 Speaker 04 Not so much a stink as an educational opportunity. When you answered a listener's question about their credit union pulling credit in the process of opening a checking account, you said it was weird that the credit union would do that. You did mention that all institutions are going to do some sort of verification to find out if you have a bad history using a checking account before. This part is true. There is a system separate from the credit bureaus that is used to check for bad checking behavior. But as an ex-credit union employee, pulling credit is not weird. I know that we did a soft pull of credit when starting a new relationship with a member for two reasons. One, it was one way to help mitigate against fraud. If someone's credit was frozen, that always stopped us. We weren't opening an account from identity theft. And two, a soft pull was enough for us to see if there might be opportunities to offer
10:06 Speaker 04 a refinance of an existing loan held elsewhere to save the member money. Since it was a soft pull, it did not affect the person's credit score or history. Judy.
10:15 Speaker 03 Judy, wonderful post, very thoughtful post, and I love that the credit union you worked for was doing soft pulls. Soft pulls, if you're familiar, a hard pull is one that will impact your credit score. And if there's a lot of those, it actually shows a pattern that could cause a problem applying for a mortgage. A soft pull does not do that. It's almost like what happens in most states where your auto or homeowner's insurer is checking your credit every month. Those are soft pulls, not hard.
10:53 Speaker 04 You stink more than the Minnesota Vikings trade for Herschel Walker in 1989. Just kidding. No one stinks that bad.
11:04 Speaker 04 Recently, I told you my father-in-law fell prey to the Iraqi dinar scam, and I asked where I might unload it. And you said, quote-unquote, "the black market." Truth be told, I loved your answer, and I think I get what you mean. But I forwarded your response to a bunch of friends and others, and none of them thought it would be good advice to have anything to do with a black market. What I think you meant in this case is not some sweet, low-lit, back-alley trade, but take my chances with one of the unregulated trading, quote-unquote, "businesses" that a simple Google search might list. I love what you do, Fred.
11:35 Speaker 03 Fred, thank you very much. Yes, that is what I meant, that it was not something you could trade on a traditional Forex exchange.
11:45 Speaker 04 Clark talked about going across state lines to buy big-ticket items avoiding sales tax. He should not be advocating this, because every state that imposes a sales tax also has a use tax. People are supposed to declare items they bought out of state and brought back home and pay less or nothing in sales tax than if they bought it in their home state. I know a lot of people do this anyway, but it doesn't make it any more okay, and you should at least warn people of how it's supposed to be done. Matthew?
12:13 Speaker 03 Matthew, thank you. This came up a lot. If you go back when internet sellers were not charging sales tax, they had a direct advantage over local businesses, and a number of states at that time publicized that that didn't mean you didn't owe the sales tax. It just wasn't collected by the internet seller. As a practical matter, there was no effective way for states to collect those taxes, and it has been a common practice that, by your telling, is tax evasion. I think a lot of people put this in a category of tax avoidance.
12:56 Speaker 03 But you may be technically correct, that it is tax evasion to not then settle up with your state on the tax.
13:04 Speaker 04 Clark stinks like my daughter's hockey goalie gear.
13:07 Speaker 03 Well, that's really stinky, right?
13:09 Speaker 04 I was glad Clark stood up for paying good attorneys reasonable fees and the $700 an hour is a relatively low fee these days, but he missed the mark by calling the fee for attending correspondence sent by a client a quote unquote junk fee. As attorneys, we are responsible for knowing everything in any correspondence that our way, however delivered. If the correspondence that the caller sent would have changed the estate plan or otherwise had a negative implication, the failure of the attorney to take the time to read it and appropriately address it would not just be bad client service, it could get them into trouble with the bar. My father, also an attorney, would fire clients who complained about him taking time to read a letter that they sent and quote unquote just wanted to put in the file and not be reviewed. Also, Krista suggesting to look
13:53 Speaker 04 for reviews of attorneys online is bad advice. As a specialty profession, I would not trust unverified and out of context online reviews. I've seen many reviews for colleagues that are clearly not from clients, but people wanting to trash the attorney for some reason. A better route is to ask for referrals from people you trust in the profession or that work with attorneys regularly. And additionally, there are good organizations that keep lists of qualified attorneys. In the trust and estate practice, the well-regarded American College of Trust and Estate Council has a good list of members. John.
14:24 Speaker 03 John, thank you. And I do get asked questions a lot about hiring attorney who specializes in wills, estates, and trusts. And I had no idea that there was this particular association with a list of members. I appreciate that.
14:40 Speaker 04 Clark, you stink as bad as my New York Giants. You mentioned-
14:43 Speaker 03 We got NFL references all over. I love it.
14:46 Speaker 04 You mentioned on Tuesdays, or I guess it was a podcast I listened to on a Tuesday, that you should check the flight status before you leave home and see if it's delayed or canceled. You can come later. I used to think that, but one time my flight said it was delayed, so I did not go to the airport. And then it changed to on time and I missed my flight. The airline would not rebook me and I had to pay out of pocket. Yo.
15:07 Speaker 03 So, yo, that is a terrible story. And it's inexcusable that United left you stranded and you had to buy a new ticket. I mean, if they're the ones that put the flight as delayed- What, heads you lose, tails you lose? That's just not the way to do business. I have found that the real advantage to me, when I check status of a flight and I see that it's canceled or delayed, is I'm then scrambling to rebook before other people can get those seats, because it's kind of like Hunger Games at that point, when a flight gets canceled, especially during a holiday period, which is what I was referring to.
15:52 Speaker 03 That's why I want people to use FlightAware in addition to an airline's own status updates, to see what's actually going on with your flight. With FlightAware, I want to state again, you put in the flight you're taking, you know, the route you're going, and then you find your flight, you click on it, and then there's a thing that'll show you, where's my plane now? You can click on it and see what's actually going on with your flight, and have early warning system if there is a problem with it.
16:23 Speaker 04 Clark, all my boyfriend does all day is listen to you. I go to sleep to your voice and I'm startled awake by it. I'm starting to hear it in my nightmares. Any advice? Claire from Connecticut.
16:34 Speaker 03 Well, Claire, I think you need to tell your boyfriend, this is a line he can't cross, that it's either him or Clark. And kick me out of his life.
16:49 Speaker 04 It's Clark or you, Claire. That's what you mean. It's either, she says, it's either me or Clark. Yeah.
16:55 Speaker 03 Right, right. Thank you. Yeah, so I think you let him know that I am the most annoying person you've ever had to listen to, and I gotta go.
17:06 Speaker 04 Or go to Clarkdeals.com and find some cheap headphones for Christmas gift for him, don't you think? Then he can listen with headphones on.
17:14 Speaker 03 Well, I think, I think it's easier to say, just get rid of me. Right? I mean, I'm coming through as a digital file. Just, just dump me. That would be the easiest thing.
17:25 Speaker 04 Okay.
17:26 Speaker 03 I know you don't like that answer.
17:28 Speaker 04 I don't.
17:29 Speaker 03 Of course, you immediately did a pitch for Clark Deals since it's holiday season.
17:33 Speaker 04 Sure, why not?
17:34 Speaker 03 Yeah. All right. Well, Claire, I'm really, really sorry. Maybe by osmosis, you are picking up some great financial advice that will help you in your life or later in your life. Maybe that'll be the good part of being stuck listening to annoying me. Well, thank you so much for all your posts. I appreciate it so very much. Coming up ahead, I want to talk about great new news with 401ks.
18:08 Speaker 00 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.
18:20 Speaker 01 Pricing participation may vary. Promotion pricing may be lower than meal pricing.
18:23 Speaker 02 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.
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19:53 Speaker 03 If you're behind on saving for retirement and you're approaching the years that you hope to be able to dump out of work, there's a special provision that Congress passed that starts this year that is weirdly only for people in their early 60s, 60 to 63 years old. And it allows you, when I say this year, I mean, obviously, your elections for 401K for 25. You're allowed to save a crazy amount of money in a workplace 401K.
20:33 Speaker 03 If you're staring down the barrel and not having enough money aside to be able to bag work and having the opportunity over those four years to pile money in, it can make a big difference. In just the traditional or Roth version of the 401K, somebody 60 to 63 years old is allowed to put in almost $35,000 into their 401K. The exact amount, $34,750. I mean, this is called super catch-up. That's actually what Congress labeled it, is the super catch-up provision.
21:16 Speaker 03 They didn't allow it for people who are 64 and older. They didn't allow it for people 50 to 59, who are covered by regular catch-up, which now will be 31 grand you're allowed to do per year. And I saw a chart in the Wall Street Journal they'd taken from Vanguard about what percent of people participate in ketchup and of people who are earning six figures, 150,000 and above, only a little more than half participate in ketchup. And it may be they're not even aware it exists because ketchup really, and particularly
21:59 Speaker 03 super ketchup, is geared towards people at the higher end of the income scale. Maybe when they were younger, they were dealing with paying for kids and now their kids are out of the nest. And this is an opportunity for ketchup and super ketchup to put more money aside and build up more wealth. Now, I know I've always got this argument from people about whether you should do traditional or Roth, and it's all about your tax rate right now and all that. But as I've said in the past, if you're earning less than a ton of money, let's say 400,000 is what I'm calling above that is a ton, ton.
22:43 Speaker 03 You want to be doing the Roth provision, especially if you're behind on saving for retirement. Because the advantage is that effectively you're saving a lot, lot more money, saving 30 some odd thousand in a Roth 401K versus 30 some odd thousand in a traditional 401K. And then there are some big employers that have something that's on top of this that allows you to do additional money into a 401K that you may not even know exists, but that will allow you to save potentially up to as much as nearly 70 grand in a year.
23:26 Speaker 03 And if you are self-employed, you're a solo employee, you have special privileges at any age in something known as a self-employed or solo 401K that lets you just shove money into retirement accounts. That is a great opportunity and it's an advantage of being a self-employed individual.
23:52 Speaker 03 Krista?
23:54 Speaker 04 Okay, Ben in Florida wrote in with this. "I've always taken your advice to pay off credit card balances a few days before my statement date in order to increase my credit score, and this has served me well until recently. I received a notification from the credit agency that my score had dropped 27 points. What had happened was I had some large bills, home and auto insurance, I'm in Florida after all, that I had charged to the card, and I was planning to pay off a few days before my statement date. As it turns out, the credit company reported my card balance a full two and a half weeks before my statement due date, resulting in a high utilization rate and a massive drop in my credit score. As a result, I no longer have an exceptional credit rating. I've been demoted to very good.
24:39 Speaker 04 I hope my experience will be helpful to other listeners. It's not your statement balance that's reported, but rather your credit card balance at any moment during the month, whenever the credit card company decides to report it. So going forward, I'll be watching my balances more closely during the month and paying them down if they get above a specified dollar amount."
24:57 Speaker 03 Okay, this is a very good post, and let me tell you that I've noticed that a lot of credit card companies, it seems the bigger issuers, are now reporting to the Bureau continually rather than as they used to what your closing balance was for the month. It's not universal at all that's what's going on, but obviously, your issuer is reporting continually to the credit Bureau and showing a spike within the month. Now, if you look though, if you have like a Credit Karma account or something like that
25:36 Speaker 03 where you can check your score constantly, you will probably see that the score is changing dynamically through a month now where it really didn't do that before. But in the case of your situation, the 27-point drop from being somebody who is some level of gold and above 780, and now you're still upper 700s, you're still fine. You're still getting the best loan products and all that. There's no danger sign for you. Where it becomes a problem is somebody who is around 700, a 27-point drop is significant, meaningful, and harmful.
26:20 Speaker 04 Kate in Alabama says, "Is binding arbitration a condition of sale for all cars now? I negotiated a purchase price and was ready to give them my money, but they would not sell me a car without signing the agreement. I walked, but will I be able to find anyone besides a private seller who won't require arbitration agreement? I last bought a car more than 10 years ago, and I refused to sign then, and they still sold me the car."
26:44 Speaker 03 Okay, so, great question, Kate. I had this before from somebody who was so annoyed about this, and it's become standard operating procedure. A lot of the dealership groups now are very large publicly traded dealer groups, and they, as best I know universally, they've all adopted the arbitration agreements. Corporate America is terrified of ending up in court, and you having your constitutional right to a court event, and they're doing these kangaroo court arbitrations. The good news, if there is any, when buying a new
27:24 Speaker 03 vehicle, there's not a lot that might happen that you would have a need to go into arbitration or want to file a suit against a dealer. But I don't like mandatory arbitration at all. I don't want to beat a dead horse, because I've been beating that dead horse for decades. If arbitration was a fair system, I'd be okay with it. It's not. It's crooked. It's dirty. It's rotten, and it's unfair.
27:58 Speaker 04 Greg in California says, "I hear you talk about medical stuff frequently, and almost always as frequently, you tell us to get info from a quote-unquote 'medical journal.'" Well, what is an example of a medical journal, and where do I find those I can trust? It seems if there's a publication, advertisers could be paying for so-called studies, meaning, how can I trust them?
28:20 Speaker 03 All right, so here's my deal. Is, yes, there have been scandals involved where researchers have not done the straight up and up. Occasionally, that will happen with the really respected medical journals, but very, very rare that there's any cooking of the books on what you're going to find in the Journal of the American Medical Association, the New England Journal of Medicine, and Lancet. Those three publications, Lancet's a British one. I find that they are excellent, and a lot of times, doctors are so busy in practice, they can't keep up on the latest. That's why I want you, because you're motivated, because you've been diagnosed with something,
29:05 Speaker 03 to read to the source where the researchers are cutting edge. What is the latest science and medicine on whatever it is that ails you that may not be widely known in clinical practice? In addition to that, I find that the Mayo Clinic and the Cleveland Clinic, even though they're not writing the research of the other three, their explanations of what you need to know about a specific condition you have, not necessarily the latest, greatest research you'll find in the medical journals, but the information put out for medical consumers
29:45 Speaker 03 at Mayo and at Cleveland, both of those clinics, I think is great. So, you're hearing this from somebody who would not have made it an hour in medical school. I don't have a medical or science brain in the least. The only thing I'm worse at is anything in the arts, because I got no art side at all. But I can tell you that the medicine and science is tough for me, but I've been able to learn what I've needed to learn with the medical conditions I've had, including cancer and with my heart. I've been able to learn what
30:23 Speaker 03 I've needed to know by reading these publications. They've been so helpful, even if it's hard for me to... Understand them without reading the stuff and looking at medical terminology and understanding what it means, but it's been very, very helpful to be your own advocate and not get lost in some kind of Google search that takes you down a rabbit hole of stuff that you never know what's accurate, what's real, and what's not. The medical journals I have faith in. And I hope you have a great weekend. And I want to mention again, this
31:05 Speaker 03 weekend, we're active with Clark's Christmas Kids, trying to take care of children in foster care, their Christmas wishes. If you want to make sure that you have impact with your generous dollars this Christmas season, you have my word on it that this, our 34th year of Clark's Christmas Kids, your money is well spent and you know how it's spent on a specific child and his or her wishes at Clark'sChristmasKids.com.
31:40 Speaker 00 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.
31:52 Speaker 01 Price and participation may vary. Promotion pricing may be lower than meal pricing.
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