Pod Insights The Clark Howard Podcast 12.20.24 Clark Answers His Critics on Clark Stinks / A USPS Warning About this episode Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today, Clark is truly concerned about the chaotic state of the United States Postal Service right now. In many regions of the country, people are dealing with serious consequences of delayed or undelivered mail. Know what you can do to protect yourself Clark Stinks: Segments 1 & 2 Unreliable Mail Delivery - Action Required: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Google Fi Review: My Experience as a Five-Year Customer (Pros and Cons) Government Executive: GOP senator to DeJoy: I will 'kill' your plan to reform USPS What Should I Do With My 401(k) at My Old Company? 401(k) Rollover: How To Roll Over a 401(k) What to Do if You're Facing Car Repossession 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 Learn more about your ad choices. Visit megaphone.fm/adchoices
Transcript 0:00 Speaker 00 At Edward Jones, we believe rich is about taking care of what gives your life meaning. That's why your financial advisor personalizes your plan to help you preserve your progress and create something that lasts. Let's find your rich. Edward Jones. Member SIPC.
0:15 Speaker 01 UKG is the workforce operating platform with unified HR, payroll, and workforce management. Built to solve the unique challenges of frontline work. Powered by People First AI and decades of labor data, UKG turns workforce intelligence into real-time decisions around staffing, pay, compliance, and productivity, enabling every worker to confidently take action as work happens. Because when work works, everything works. Learn more at ukg.com/work. UKG, HR, Pay, and Workforce Management.
0:50 Speaker 02 I'm so glad you're with us here on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. Today, this day, the 20th of December, is our last Clark Stinks of the year. Because I really stink. I'm not doing work on next Friday.
1:15 Speaker 03 But we have one more show Monday.
1:18 Speaker 02 We do, but I'm saying no Clark Stinks next Friday.
1:20 Speaker 03 No more Clark Stinks.
1:21 Speaker 02 Got to wait till 25 after today. Hope you got some good ones for me, Krista.
1:26 Speaker 03 I do.
1:27 Speaker 02 And one thing that I talk about that always generates Clark Stinks, when I start talking smack about the US Postal Service, but I am really concerned about the Postal Service right now and what it means for you, and we're going to talk about that later, but right now, it's time almost to begin Clark Stinks, because I got an announcement that may make you happy unhappy. I have decided, actually I decided years ago, that in 25, I was going to work less. So
2:10 Speaker 02 I'm going to do three episodes a week in 25 instead of five. They're going to air on Mondays, Wednesdays, and Fridays in 25. And Krista is going to do one episode each week called Ask an Advisor, right?
2:29 Speaker 03 That's right. We're going to have Wes Moss with us to start the new year. He's a fee-only fiduciary financial advisor, which is what we normally recommend. And you get a lot of questions because you're not a financial advisor that are very much investment oriented.
2:43 Speaker 02 Very technical, too.
2:45 Speaker 03 Right. And Wes is great at answering those. He's filled in for you a couple of times and we had a great response. So he and I are going to do a show that will air on Tuesdays. That's what we're calling Ask an Advisor, and it will be all your questions about your investments.
3:00 Speaker 02 So without further ado, it is time for our last Clark Stinks of...
3:05 Speaker 04 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.
3:11 Speaker 02 Maybe you're right, pal.
3:16 Speaker 02 But you got to start with.
3:18 Speaker 03 Clark, Clark, Clark, your advice for the caller about how you use debit cards and ATMs had a faint scent of rotting pumpkins. You told them the only reason you have a debit card is to get cash from the ATM. You should be doing what I do. I marched into my physical bank branch and turned in my inferior debit card and told them I wanted to replace it with an old fashioned ATM card. This is what I have in my wallet now for the rare time that I need to withdraw cash. If someone steals my wallet, it will be of no use to them whatsoever. I still love you, even if that advice was a little bit stinky, Jennifer.
3:52 Speaker 02 Jennifer, thank you. And what you're doing is the best possible course. Unfortunately, now a lot of financial institutions, including my ATM comes from, my ATM card comes from Charles Schwab. I'm only allowed to have one that is a Visa debit card to use as an ATM. They don't have an ATM-only card anymore. And it's great that your financial institution still does.
4:17 Speaker 03 Clark stinks like a weak old coyote carcass rotting in the Arizona desert on 120 degrees summer day.
4:24 Speaker 02 Sounds pretty bad.
4:25 Speaker 03 It's very clear. He loves to rag on restrictive zoning as something which should be changed to help alleviate the housing crunch. Allowing things like M I L apartments in the backyard, allowing larger lots to be subdivided, changing the zoning codes to allow for these, and smaller lots, etc. That's all well and good for a Newtown subdivision development, but not for folks who have bought a house on a one or more acre lot, along with all of their neighbors. If I buy a four acre plot of land that allows for one house, I bought that plot and built my house there for a reason. To allow someone to come in and buy another four acre lot, then wind to the Z B A that they should be able to subdivide or have four or eight or maybe more houses on that lot is grossly unfair to those who are playing by the rules.
5:09 Speaker 03 Same with a mother-in-law apartment. I don't want that structure in the neighbor's backyard and cars parked in the street or who knows where they'll end up. I should be able to depend on the zoning to keep my area the way it was when I bought it. Steve?
5:23 Speaker 02 Steve, so, for so many reasons, you're right on this, because I think about Houston. Now Houston is a city that in order to eliminate corruption in local government, most corruption in local government ends up happening with zoning. Houston just said, okay, we're not going to zone. So what's happened over time in Houston is people didn't like it when they built a nice house and next to them opened up a convenience store, or a gas station, or a fast food restaurant, or whatever, right in the middle of a residential neighborhood. So people started going into gated communities, added security, but the big thing they were
6:05 Speaker 02 after was not having the unintended effect of ending up with who knows what next to them. So it is something, you can't change the rules in the middle of the game. That I completely agree with. And having the rules in a neighborhood suddenly say, oh, well, we don't mean that anymore. Now you can do this, that, or the other, and build an apartment building right there or whatever. I'm with you on that. I do think that going forward, in new areas of development, we need to rethink what is allowed to be built if we are trying to increase density. And what I really object to...
6:47 Speaker 02 Or counties that do a county-wide restriction on what can be built in the entire county as a way of coordinating off the county from having anybody but wealthier people living in that county.
7:02 Speaker 03 Isn't it wonderful that you tell people how to save money on their prescriptions? How about telling people how to reduce or eliminate most or all of their scripts? A whole food, plant-based diet has been shown to reduce or eliminate common such leading killers as coronary artery disease, high blood pressure, stroke, diabetes, and common cancers. The pioneering research of Nathan Pritikin, Dean Ornish, and Caldwell Eselis, I don't know how to pronounce that last name, have put this to the test. If you would only do the research and see for yourself, you could be promoting this diet and potentially saving people thousands of dollars each year and eliminating the pain and suffering from chronic diseases. Audrey from California.
7:41 Speaker 02 Audrey, I mean, you are what you eat and you are how active you are. Those things together clearly make a difference. And I can actually give an example I was going to give another day, but I'll go ahead and give it now. I just had my one-year follow-up. I go every 90 days to see how my aortic valve replacement is doing. It's two days of tests because I have an experimental valve, so I'm a lab rat, I'm a research lab rat. And I've been on a suggested diet, and we don't call it restricted, for a year now.
8:20 Speaker 02 And it's so funny because my cholesterol numbers and all that have improved so much being on this new diet that it's absolutely shocking. And so I have to say, because anytime you've brought this up all through the years yourself, Krista, I've been kind of like not paying attention, not listening, and blowing you off. I saw the numbers with my own two eyes. It is stunning. My friend of mine, who's a former cardiologist, now oncologist, looked at my cholesterol numbers. He said, "These are unbelievable," and looked at the trend from before.
9:03 Speaker 02 So, yes, it is true that how we handle lifestyle and what foods we put in our body clearly do make a difference. They won't necessarily eliminate all meds, as you can see from my medical list, but it can improve quality of life and health and maybe not ever need to go on the scripts.
9:25 Speaker 03 Dear Stinky Clark, don't give advice about Apple products without learning more before you talk. A listener bought a Mac and wanted to know about password apps, virus protection, et cetera. They sounded like they came from a PC world and just got their first Mac. You advised correctly about the safety of the Mac against viruses, but you failed on the password piece. You don't need to buy an app. All Apple products have password app that ties the products together through the Apple account. You set a password once and it's available across all of your devices. I could go on about the comparison between Chromebook and the Mac, but Mac wins on all counts. Even when you consider cost, the Mac lasts much longer than the Chromebook, making it a better value. Roxanne.
10:08 Speaker 02 Is that my son Grant's new made up name?
10:11 Speaker 03 You were struggling with your Chromebook during our show meeting yesterday.
10:15 Speaker 02 Well, let's go to what Roxanne said. I was using an old Chromebook, and that Chromebook has way outlived its useful purpose. And as Roxanne, my son Grant, said to me the other day, he said, "Dad, if you just would have paid four times the price for a MacBook, it would last more than four times longer than your Chromebook." So you both have made that point. And my son will be very happy to hear that I just said that.
10:46 Speaker 03 When you switch to Google Fi, I switch carriers as well because my family and I also travel internationally a lot. My daughter is currently on a semester abroad through her university. Google Fi terminated her cellular data recently, telling us that it's their policy to only allow 90 days of foreign cellular coverage before one must return to the United States for seven days. I spoke to their customer no service and explained that this is a 20-year-old girl who must remain abroad to complete her final in 14 days. Is there any way that their cellular service could be extended for 14 days? The customer no service representative just kept repeating the same scripted message. The only exceptions are military and government employees. I was outraged at the inhumanity of their policy that would leave a young lady stranded abroad. Sincerely, Todd.
11:30 Speaker 02 Todd, thank you for that post. So for people who are extended time away with any carrier, they're not going to let you keep using their service overseas. And hopefully, your daughter's phone allows for a second eSIM. And I want you to get her a data, where she can find a data-only plan available to her where she is overseas, and she'll have the ability to stay in communication. What I don't like at all about the way Google Fi does this, they don't tell you in advance, hey, in two weeks, we're going to cut you off or whatever.
12:14 Speaker 02 It's just one day, suddenly your phone doesn't work anymore. And that is mean-spirited and inhumane. The other thing about Google is you have a feeling when you're talking to somebody that you are talking to advanced AI. Because no matter what you say, no matter what you ask, you're going to get the same answer back. And I can't believe that they offered no way for even you to buy a block of data for two remaining weeks.
12:47 Speaker 03 Clark stinks like a Filet-O-Fish left in the armrest of a hot car. Like Clark, I read the WSJ Daily and sure enough, the November 29th commentary titled "The Minimum Wage Loses States That in California," quote, "The industry has lost more than 4,400 jobs since January, according to seasonally adjusted data," end quote. Sorry, Clark, I believe the Wall Street Journal over your diatribe that raising wages significantly has no effect on employment. Mark.
13:14 Speaker 02 So I'd have to go read the commentary in the Wall Street Journal about job loss. California has been losing native-born population for a good while, and there are multiple factors for it. The primary reason that California loses jobs is because no one even on a good middle-class wage can afford to buy a home in much of coastal California. You just can't do it. That's more important as a determinant to why people give up on California than the taxes that someone might have to pay or the wages that are paid in California.
13:59 Speaker 02 Just my opinion, Mark, that the big problem California has to solve, more than anything else, is having attainable, affordable housing and not the government building it, but creating conditions that the free market can build.
14:17 Speaker 03 Okay, last one for today. Clark, you're my exercise buddy, so I guess we both stink. My workouts are 30 minutes long, so I need 30 minutes of content, not including commercials, so I don't hate life the last few minutes of sweating. Unrelated, yesterday I told my 12-year-old that I didn't feel like doing my workout, and she said, "Mom, if you don't work out, you can't listen to Clark Howard." And heck, if it didn't motivate me to just do it. Stay awesome, Mary.
14:45 Speaker 02 Okay, Mary, your 12-year-old motivated you to go work out by saying, "Listen to me." That's really, really funny, isn't it?
14:55 Speaker 03 It is. I love it.
14:56 Speaker 02 Okay, that's great. Well, thank you for your posts, and I'm really sorry we didn't get to more of your Clark stinks today. I appreciate, more than you know, you taking the time to post these Clark stinks, because I learned so much. Blind spots I might have, false opinions, biases that I have that I can't recognize, or just the way I explain something being inadequate, or giving out wrong information, any of these things. You helped me become a better person. You helped me do a better job at providing advice, and that is invaluable.
15:40 Speaker 02 Coming up ahead, this is going to cause a lot of Clark stinks. I'm going to pick on the postal service again.
15:47 Speaker 00 At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters, so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.
16:17 Speaker 01 UKG is the workforce operating platform with unified HR, payroll, and workforce management. Built to solve the unique challenges of frontline work. Powered by People First AI and decades of labor data, UKG turns workforce intelligence into real-time decisions around staffing, pay, compliance, and productivity, enabling every worker to confidently take action as work happens. Because when work works, everything works. Learn more at ukg.com/work. UKG, HR, Pay, and Workforce Management.
16:49 Speaker 05 The beginning of the revolution.
16:51 Speaker 06 Hey Mitch, you've been trying to take down these games from the start.
16:54 Speaker 05 Filmed for IMAX.
16:56 Speaker 06 Make them remember you.
16:57 Speaker 05 The Hunger Games: Sunrise on the Weeping, November 20th, rated PG-13.
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17:32 Speaker 02 I feel so badly for the hardworking men and women of the US Postal Service. They're working incredibly long hours, overtime coming out their ears, and that's because the postal service system is in chaos. And there are several regions of the country that have such unreliable mail delivery that it's hurting people's credit scores. People, even in the most extreme cases, are having utilities cut off. I mean, this is weird stuff.
18:10 Speaker 02 Because if you depend on what comes through the mail, you may end up with a bill that doesn't show up ever, or shows up way late. And, you know, it's funny, I had talked before, months ago, about the problems with mail delivery and reliability, and how the Postmaster General seems to be in a job that's beyond him. That he has not been able to make things better, he's made them worse, and the losses are crazy at the postal service. So I talked months ago about how I'd always been in favor of paper statements.
18:53 Speaker 02 But now we manually go on and check our bills to make sure we're not late with them by checking twice a month for bills we've not received. Well, we got to notice that our power was going to be shut off. That's one that we can't just go online and look at with the power provider. Turned out, we had not paid our bill. We never received the bill, made a payment before it got shut off. The bill came two weeks after that. Way past, it was so late that it came just before that current month's bill came. I
19:32 Speaker 02 mean, things are broken. And there's a big to-do going on right now with a bunch of this, this one's bipartisan or nonpartisan. You got members of both political parties in the Congress just going crazy about how messed up things are. And again, this is not the fault of the workers. And they're, some of these people are working incredible long days because things are in such chaos. And so, know that for your bills, at the very least, if you really like paper statements like I do, you like them to come through the mail. And if you're not digital at all, have a sheet of paper, a simple sheet of
20:16 Speaker 02 paper that has every bill you have to pay each month. And then you put January through December on there for next year for 25. And you check it off each one each month when you paid the bill. And you see something, oop, I haven't paid whoever. And you're meticulous as a bill payer. It means you didn't get that bill. Or, things are so bad that, I hope I don't choke saying this. Maybe you go to getting your bills by email. Okay, there I said it. After all my years of saying, the value in looking through your bills, you look through them so much more thoroughly when you're looking at a paper statement
20:59 Speaker 02 than you do looking at a computer screen. But, the only reliable thing now, almost certainly is getting your bills. By email.
21:10 Speaker 03 Print them out, though.
21:12 Speaker 02 You can print them out. I'm stunned. Do you know how many people don't have a printer anymore?
21:17 Speaker 03 I don't know. People don't use them.
21:19 Speaker 02 Yeah, so you could, you could do PDFs and look at them, uh, big on a computer screen and see, I don't know what that is. I didn't shop there. I didn't whatever. But with the e-statements, I find that people don't review their statements. And remember, a charge unnoticed for 60 days, even if it was fraudulent, becomes your responsibility. Your money's gone. That's why it's so important to look through your statements each and every month. And hope springs eternal. At some point, maybe we'll have reliable mail delivery in the United States again. But we certainly don't right now. And again, no fault of the workers.
22:05 Speaker 03 All right, Michael in Vermont has this question. I had a 401k plan with that company.
22:11 Speaker 02 It's an insurance company.
22:12 Speaker 03 Through my old employer and have moved the $175,000 to a Roth IRA with Vanguard. I am now panicked that I am facing a 22% to 24% tax bill on this amount come spring.
22:24 Speaker 02 It was a, it was a traditional 401k into a Roth?
22:27 Speaker 03 Mm-hmm. I unfortunately do not have 40k in savings and my wife and daughter will disown me if we're not going to Disney for the break. I am totally kicking myself in the butt and wish I had left the 401k as is. I called Vanguard and despite not picking a target date fund for my Roth IRA, they advised me I cannot switch it to a traditional IRA. I'm guessing if I use that money in Vanguard to pay the $40,000 tax bill, I will also pay 10% penalty on top of that. I didn't even know of tax implications until calling Fidelity, as I also have an old similarly valued 401k with them that I was planning on moving over to Vanguard, but then abruptly concluded that call. What a colossal waste on my part. What would Clark do?
23:10 Speaker 02 Okay, Michael, please, stop beating yourself up. The rules are clear as mud on retirement plans. And I don't know if you heard the podcast where I talked about and the stuff I do for TV stations around the country. I went around and interviewed people along a walking jogging trail and not a single person, not one person, knew the rules and procedures on taking money from an old 401k.
23:38 Speaker 02 And moving it to a new employer, or moving it into your own IRA. I remember there were three different people who said, "Oh, so you take it from the 401k and you move it into a Roth IRA?" I said, "Only if it's a Roth 401k." And they said, "Oh." And so, you are not a lone wolf here. This happens again and again. And what I can't stand is the IRS does not allow reclassifying this when it's an oops like this. This was an error on your part that you were not aware of. You're given a 60-day window to do this, right?
24:18 Speaker 02 The first time, you could hire an accountant to request a private letter ruling that would allow the IRS, because this was not intentional, get the IRS to issue a letter that doesn't apply to anybody else, just to you, that would let you move it from the Roth into a traditional IRA, since it's never been invested in anything yet, it's just sitting in the account. But otherwise, you have to pay the tax. And it's not a 10% penalty, obviously, on paying that tax. But if you then have to use some of the money to pay the tax, it would be.
24:59 Speaker 02 Long-term, even if you had to borrow money till you could pay it back, to pay the tax bill, or pay the IRS over time on a payment plan for the tax you owe, over time, there will be no net difference in your finances, having had to front-load the tax versus paying it later. But your question is so important for anyone to know, when you take money from a 401k, it's gotta go, if it's going into an IRA, it's gotta go in the same classified form of IRA as it was in the 401k.
25:41 Speaker 02 A Roth 401k goes into a Roth IRA. A traditional 401k goes into a traditional IRA. Because otherwise, you end up in this tough circumstance. And it's wrong that, for a clerical error like this, the IRS does not allow reclassifying.
26:02 Speaker 03 Fred in Georgia says, "I subleased a car to another person. The loan and insurance is in my name. This person has not sent a payment to me in six months, left the state and moved to another state. I do have her address, but she blocked all contact from me and I would like to have the car repossessed. What snowball effect on my current active credit cards will repossession be?"
26:23 Speaker 02 Okay, I'm having, truthfully, I'm shallow breathing right now Fred because this is like the worst possible circumstance with a car. We used to get what was called the vehicle subleasing scam repeatedly on the show. Yours is the first we've had in-
26:45 Speaker 03 Years and years.
26:46 Speaker 02 Years and years. So, you cannot, you're in a contract with a lender. It is against the contract, it's basically a violation of the contract and potentially, depending on the state, a violation of the law, that you took your vehicle and subleased it. I don't know if it was an informal thing where you thought you were entering into a sublease with someone or one of those scam companies convinced you, you could sublease to this other person. I don't know if this was somebody who was a friend or whatever.
27:23 Speaker 03 It sounds that way to me because she lived in the same state and then moved to a neighboring state.
27:28 Speaker 02 So, you don't want to have the vehicle repossessed because if you do, the financial consequences stay with you seven years. You will be sued for the loss and you will be required to make the payments anyway on this vehicle. And you're paying for the lease, you're paying for the insurance. This is a disaster. And I want you to go meet with a collection attorney and find out what rights you have-
28:03 Speaker 02 In the state you live in and the state where this car now is, to do a repossession where you take possession of the vehicle back, not a repossession where the lender comes and gets it, the leasing company, because let me tell you, that is every possible way bad. And you may have rights, depending on the law and the state, to repossess the vehicle for non-payment from this individual you sublet to. I want to hear from you later, but please, seek out a lawyer who specializes in collections right away. Time is not your friend here.
28:41 Speaker 03 This might be crazy, but I wonder if the police would consider it stolen at this point.
28:47 Speaker 02 They look at it as a civil matter.
28:49 Speaker 03 Okay.
28:50 Speaker 02 It's not a theft. He voluntarily entered into some kind of agreement with her to allow her to sublet the vehicle.
29:00 Speaker 03 Right.
29:01 Speaker 02 And that is not a criminal situation. That is civil. That's why a collection attorney deals with unusual situations, very aware of what things they can do under the law, what latitude they have to potentially seize that vehicle back, if there is a way to do so.
29:22 Speaker 03 All right, it's time for our Judge Clark segment. I'm going to call this one.
29:26 Speaker 02 The last one was Judge Clark, and I'm not a lawyer.
29:30 Speaker 03 This is different. This is different. You're resolving a domestic dispute here. Liz in Vermont, Liz in Vermont says, "Please settle a discussion," it's a discussion, not a dispute, "with my husband and I. I recently purchased a set of two photo tiles that come with two adhesive magnets. The package came without the magnets. I contacted customer service and online and chatted with someone, and they resent me a whole new product with the magnets that I talked about. I just chatted back in frustration that they could not just send me another set of magnets, and I offered to purchase the magnets so that my original set that was missing the magnets can actually be used. My husband said I should just be happy. I got the replacement set at no extra cost. Clark, what do you think?"
30:14 Speaker 02 Okay, you're always right, except in this case. Your husband's right. You know, a lot of companies, it's easier for them to just go in the, the system, see the inventory item number of what you got and have it fulfilled. They could, uh, for this item, could very likely be using a third-party fulfillment house. They almost certainly don't have a way of just sending the magnets because it was something that happened in production, that that item originally was sent into inventory and shipped without the magnets as part of it. So, uh, they've made you whole, plus,
30:56 Speaker 02 let's say, they don't want to, uh, deal with just the process of getting you the magnets themselves. So, now you're good, you got the magnets, absolutely. You say, "Great, I'm good, I got the stuff." And I don't know what you do with the surplus ones that are non-functional without the magnets, but they have taken care of you and solved the problem, and I would say, "Case closed." What do you think?
31:29 Speaker 03 I like it.
31:30 Speaker 02 Judge Clark, "Oh, am I supposed to gavel on the table?" How many times does a judge hit?
31:34 Speaker 03 No, no, don't do it anymore.
31:35 Speaker 02 How many times does a judge hit?
31:36 Speaker 03 One.
31:37 Speaker 02 One? That's, you wanted me to do zero. Wow, I would be so bad as a judge.
31:43 Speaker 03 You'd be great.
31:45 Speaker 02 No, that would not be, and being a lawyer, oh, that would not be, I could see me in law school. And, you know, the law is not necessarily fair, it's what the law is. And I could see me now arguing with a law professional, "But that's just not fair, that's just not right."
32:02 Speaker 03 Mm-hmm.
32:02 Speaker 02 And be like, "Shut up. It's not about what's fair, it's what the law says, period." That would always be difficult for me. But anyway, I want to tell you, it's been wonderful being with you this week. I hope that you have a great weekend. Talked about this earlier in the week. Please be patient if you're still out shopping. I don't go out shopping this close to Christmas. It's an exercise in frustration not happening. Don't even care if they said, "The first 10 customers are going to get blah, blah, blah for free." Not going to do it.
32:45 Speaker 02 But if you are going to be out there, know that there are going to be people who are going to be short fused, going to have quick tempers. Stay calm, remember the season. Joy, peace on earth. Let's be peaceful and joyous towards each other. And know what this is all about, is you being empowered with knowledge so you learn ways to save more, spend less, and avoid getting ripped off. And see you next week.
33:17 Speaker 00 At Edward Jones, we believe rich is more than caring about the latest and greatest. It's also taking care of what gives your life meaning. That's why your dedicated financial advisor meets you where you are with personalized financial strategies that help protect what matters so you can preserve your progress while creating a path forward. The key to being rich is knowing what counts. Let's find your rich together. Edward Jones. Member SIPC.
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