08.21.26 Clark Answers His Critics on Clark Stinks / WARNING: Online Medical Services

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, many Americans are ordering medications from online websites and pharmacies, and a major player is being sued by the FTC. Online medical services promising quick prescriptions for sensitive conditions seem convenient, but they could be costing you more than money—they might be handing over your private health data. Clark discusses the broader boom of direct-to-consumer online doctor services and why you need to protect both your wallet and your privacy. All this and more on the August 21, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Online Med Sites: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is a 403(b) and How Does It Work? - Clark Howard How Do I Use All the Funds on My Visa Gift Card? - Clark Howard Best Secured Credit Cards for 2026: Top Picks for Building or Repairing Credit BBB - Hims & Hers Inc. WSJ: FTC Sues Hims & Hers, Alleging Unlawful Sharing of Data, Deceptive Billing Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab Clark.com resources: Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Submit your opinions or questions: Ask Clark. Learn more about your ad choices. Visit megaphone.fm/adchoices

• 0:00Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 0:27Speaker 01

  Your sausage McMuffin with egg didn't change. Your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time.

• 0:42Speaker 02

  Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 0:44Speaker 03

  It's my pleasure to welcome you here to the Clark Howard Show where our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. This week has flown by. It's already time for me to go back to school like so many kids have already done in so much of the country and learn from my mistakes in our weekly Clark stinks episode. Also later, a lot of people are going to online sources to diagnose medical conditions,

• 1:27Speaker 03

  to subscribe to things, to get scripts filled. And one of the most popular of those sites is in trouble for doing a couple of things that they're alleged to do that aren't good. Sharing your information with other parties they shouldn't be sharing and also signing you up for subscriptions that are very hard to get out of. We're going to talk about that later, but right now it's time to hear how I stink. And I do use deodorant.

• 2:02Speaker 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.

• 2:09Speaker 03

  Maybe you're right, pal.

• 2:11Speaker 05

  Do you use Dollar Store deodorant?

• 2:15Speaker 03

  I was waiting for whatever the chief.

• 2:17Speaker 05

  I was wondering. I'm seriously asking, where do you buy it?

• 2:20Speaker 03

  So what I do is I buy deodorant in a warehouse club multi-pack. And I wait till it's on sale and that's when I buy it. Cause you buy one of those multi-packs, they last years and years and years. I don't know if at some point it's going to lose its potency or effectiveness.

• 2:40Speaker 05

  I doubt it.

• 2:41Speaker 03

  You'll be able to tell me if I stink.

• 2:42Speaker 05

  You don't ever stink.

• 2:44Speaker 03

  Now we have a lot of other people, starting with Andrew.

• 2:46Speaker 05

  Andrew in Oklahoma says, when you compare 401ks to 403Bs and declare that 401ks are better, it's misleading. The main difference depends on the employer, not the laws. Nonprofits that want to provide better retirement plans for their employees can set up 403Bs that could be better than many 401ks. Rather than comparing the two, why not educate nonprofit administrators and boards on how to set up great 403Bs? They can select great low fee mutual fund options, prohibit annuities, and establish contribution matching that rivals any 401k.

• 3:22Speaker 03

  Andrew, you're right, all the way across the board. The reason in practical life, it hasn't worked out that way is because of a lack of knowledge or unfortunately, public corruption. A lot of 403B plans are made available to particularly school teachers that are hideously, horrifically awful, where a teacher, because of all the hidden fees and commissions, ends up with less money at the end of a year than what they contributed over the course of a year. It is a scandal.

• 4:01Speaker 03

  It is the very structure of the law that has green lighted, having a greenlit, having 403B plans be substantially in practice inferior compared to the typical 401k. Now there's a website that I always forget if it's a dot com or dot org. 403B wise.org.

• 4:26Speaker 05

  I believe it is dot org.

• 4:29Speaker 03

  Yep, 403B wise.org that teaches people how 403B plans should work, how to tell if yours is a good one or bad one. And then the thing you said, advocate for wherever you work to have a good 403B plan. Cause a lot of times they don't know, they end up with some shady insurance salesperson selling them a garbage plan that steals from the employees of the nonprofit, the school system, hospital, whatever. So what I despise so much is people who choose to do charitable work, that kind of stuff,

• 5:14Speaker 03

  making less than the typical person. And then they get cheated on top of it, on a retirement plan and teachers especially. We have a hard time filling teaching positions around the country and then we turn around and cheat them on their retirement plan. So I'd say, I appreciate your post, but in practical, everyday life, Andrew, teachers and other people working for nonprofits, get a raw deal.

• 5:41Speaker 05

  And that's 403BWise.com. And at the top of it. Dot org. And at the top of the page, it has a thing where you can check out, if you're a teacher, your school district's plan. You just choose the state from a dropdown. It makes it really easy to check that out.

• 5:58Speaker 03

  If they've done a review of your district plan.

• 6:01Speaker 05

  Tim in Texas says, smelly answer to breakage with cash gift cards. My best option to cash in at your desk, determine all the balances, then apply them to your utility bill. We've heard this before, but you know, we forgot to mention it.

• 6:16Speaker 03

  This is for the Visa, MasterCard, or American Express.

• 6:18Speaker 05

  You don't have to pay the bill, just apply every one of them to your account. You eventually use the funds. I enjoy the show while I float in my pool. I love that.

• 6:28Speaker 03

  I love that, listening while you swim.

• 6:30Speaker 05

  Someone also wrote in again about using, buying Amazon gift cards with that extra leftover amount. If you're an Amazon shopper, you can do that too.

• 6:38Speaker 03

  Yeah. So you have what are called monoline gift cards, which are good at a specific retailer or restaurant. Then you have ones that have a Visa, MasterCard, or American Express logo. This suggestion from Tim, like we've had from other people, is for the ones that have the card logo on them.

• 6:57Speaker 05

  Jim in Florida says, Clark, you stink more than the Atlanta Falcons after having a 28 to three lead in the Superbowl. Ouch. I'll not get over that. Okay. Clark, get a comeback to the mic. Nobody can hear you. That hurts.

• 7:14Speaker 03

  You know, on March 28th, that year, they had a holiday in Boston because the Falcons blew the Superbowl worse than any had ever been blown by any team ever and ever will be blown by a team. I can't get over it.

• 7:33Speaker 05

  You recently had a military parent write in stating their daughter had a large sum of money saved up, but had no credit. Your advice of going to a credit like Navy Federal was good, but you said to add her to the parent's card to establish credit. I've heard you say this many times in the past. Why not have her open up a collateralized credit, I guess, credit card instead? Easily done at a credit union. My wife from the Philippines did this and soon was able to get an unsecured card and has excellent credit today. Longtime listener, enjoy the show.

• 8:03Speaker 03

  Jim, great suggestion. And so a lot of credit unions, banks don't do this, but a lot of credit unions have very favorable programs where you get a, it's kind of like a secured card. You have to have money on deposit in a savings account, a CD with them or whatever. And then you're like issued a probationary credit card. And after six, 12, or 18 months, you pay it as you should, don't go over the limit, all those things. And they transition you into a regular full credit card, like any other credit union member would have.

• 8:42Speaker 03

  A lot of the secured card programs that are in the banking world are very inferior to what the credit union product is because they're really not trying to graduate you to a regular card. They're just trying to fee you in this secured card product.

• 9:00Speaker 05

  Charlotte in North Carolina says, your thoughts regarding elder care and the sandwich generation reek worse than the dirty laundry brought home after a week of summer camp. As a member of this sandwich generation, I was disappointed to hear you put the bulk of the responsibility on the adult children of aging adults. Why don't we start further upstream and get the boomers to take responsibility for their own care instead of allowing their children to disrupt their lives in order to care for them? Where was the time and attention speaking to the boomers about the importance of facing their mortality and planning accordingly? Where was the pleading of older folks to share information with their adult children? Adult children can only do so much for their parents when their parents aren't willing to share info.

• 9:43Speaker 05

  Failing to plan is a plan to fail and the sandwich generation is paying the price. The whole they took care of you, so you have to take care of them plan is not sustainable and frankly cheapens the concept of family into transactions and a balance sheet that will never be balanced. I am working on my own plan and tend to my own affairs, so my daughter will not be forced to take on a burden that should not be hers to bear.

• 10:09Speaker 03

  Charlotte, thank you. And I hear the frustration in your post and anger. And the reality is that a lot of people who are now at the age that are having trouble taking care of themselves are in the first generation ever that didn't have lifelong pensions, worked for one employer for their most, their all their working lifetime, came with the golden handcuffs of lifetime healthcare, lifetime pension, all those things. And society had not adjusted. Today, people are fully aware. You know, I love talking about how people in their twenties are opening retirement accounts at a much higher rate than people

• 10:53Speaker 03

  of any prior generation. They get it. And you get it, that we have to budget for older age as part of our working lifetime cycle. Prior generations didn't have to do that from the industrial age forward. They had, not early industrial age, but later industrial age, they had the lifetime connection to an employer, and they had the pension and the healthcare, all wrapped up as a nice package. You worked long enough there, that's what you got. The golden handshake after the golden handcuff, whatever they called

• 11:30Speaker 03

  it. So, yeah, the reality is, we have a lot of older people who didn't save for it, weren't prepared for it. And now the burden is falling on the adult children. And that's just a fact. I appreciate your post.

• 11:49Speaker 05

  I mean, there are, I see so many adult children who are not taking care of their parents, but that puts their parents in it also, you know, everybody has to make their own decisions. But unfortunately, I think most people are left on their own, from what I see sometimes, having elderly parents myself. Ken in South Carolina says, Mr. Howard.

• 12:11Speaker 03

  Oh, come on.

• 12:12Speaker 05

  You missed the mark.

• 12:13Speaker 03

  My name's Clark.

• 12:14Speaker 05

  You missed the mark responding to the person whose neighbor's retaining wall was failing, threatening his property. It didn't sound like the neighbor would be willing to agree to any sort of cost sharing. The homeowner should contact a good landscape contractor with the idea of putting his own retaining wall on his property. The contractor may be able to dig a trench and build a proper wall without having to deal with the neighbor. Think of this as proactively protecting your investment, instead of waiting for the damage to happen. When it does happen, only the neighbor will have to deal with it.

• 12:43Speaker 03

  Ken, thank you. That was a very, very hard situation. And maybe I didn't do the best job answering that one. And what you're saying is, you know, the uphill neighbor had this failing retaining wall, didn't want to do anything about it. And it was their property that was threatening the person who contacted us. And maybe you're right, this is a situation that you want to prevent the damage as best you can. I was talking about, I was looking at the perspective, the person who contacted us didn't want to

• 13:25Speaker 03

  be left with the whole financial burden, and wanted to know how to handle it. But if you do have the resources, just solving the problem yourself on your side of the property line is a great way to eliminate the threat.

• 13:40Speaker 05

  Okay. JP in Washington says, don't let Apple users intimidate you. Apple barely dominates the US with about 55% of the market share. And overseas, they have only 25%. The only Apple product I have owned has been at stock. And thanks to the cult members willing to grossly overpay for Apple products, I've calculated I've made enough profit to pay for every cellphone my family has owned since 1997, quite a few years of mint service from a wise Clarky. Let's leave that one. Renee in Oregon says, upon hearing your answer to the listener who wanted to pay university tuition via a gift to the university to earn

• 14:20Speaker 05

  a charitable deduction, I have to wave my hand in front of my face and step outside for fresh air. A university education is a service to an individual, a private good, as we say in economics. The benefit goes to the student. Charitable deductions are for charitable gifts that are public goods benefiting others. If you want to donate to pay for a scholarship for other students, that would be fully deductible. And no, you can't set up a special scholarship just for your own kid.

• 14:48Speaker 03

  So what was it that I said that made this a Clark thing?

• 14:51Speaker 05

  I think maybe that Renee just didn't like the

• 14:54Speaker 03

  The whole

• 14:56Speaker 05

  The whole thing.

• 14:57Speaker 03

  Okay.

• 14:58Speaker 05

  Carolyn in South Dakota says, hi Clark, I think you missed a few points on your reply to Steve's question about insurance coverage for damage. Oh, this is about the retaining walls again. The first step should have been read your policy, especially the exclusions. Steve didn't say what type of damage it would be, so it's hard to determine. But if only the land is damaged, there's probably not coverage. You also failed to mention coverage under the neighbor's homeowner's liability. Maybe making the neighbor aware of how it would affect his homeowner's insurance would be an incentive to repair the wall.

• 15:29Speaker 03

  So Carolyn, gosh, I should start that question all over again, because I thought I did talk about, as I normally would with a dead or diseased tree, that you send a letter to the neighbor or an email to the neighbor saying that this is

• 15:47Speaker 05

  You did say that.

• 15:48Speaker 03

  I did say it? Okay.

• 15:49Speaker 05

  You said that, yeah.

• 15:50Speaker 03

  I did.

• 15:51Speaker 05

  But this is like, this is an idea, like of talking to the neighbor about their homeowners, too. That's, that's a good one. Okay.

• 15:57Speaker 03

  Yeah. I mean, the neighbor did not want to be talked to, as I recall. It's an unfortunate thing. You know, we're all in this together, and we all should be respectful to each other, especially neighbor to neighbor. You know what drives me crazy about modern design of American suburbs? You'll have a neighbor whose backyard abuts yours. And my son-in-law was talking about it, that there was a problem at the fence that he and his neighbor shared. And he couldn't figure out where the neighbor was, so he found what street they were on

• 16:36Speaker 03

  on Google Earth. And he had to go an eight-minute drive around through a suburban area to get to the right subdivision, figuring out which street in the subdivision, and go introduce himself. He said, I'm your backdoor neighbor. And this is going on. And they had a nice conversation and solved the problem. But it's weird how we'll have a neighbor, and we've never met them because of the fact that they're from a completely different neighborhood. Weird development. Anyway, that has a lot to do with traffic in a lot of cities in the south and the southwest and the west. Enough about that. Let's go

• 17:19Speaker 03

  to what we're going to talk about next. And that is, for ease of convenience or for privacy, you go to a medical website, but then what if they don't behave well? What happens to you next?

• 17:33Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

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• 19:48Speaker 03

  So when I was reading recently about the federal complaint against a medical site called Hems and Hers, and I brought it up in our staff meeting, and I was the only person who'd never heard of this. Not that there was a legal action against them, but I'd never heard of Hems and Hers. So whatever websites I go to and whatever, it's not in my area. But since it came a thing with the federal actions against Hems and Hers, I started digging and reading, and man, there's some issues here. And so if you're not familiar with them,

• 20:31Speaker 03

  they have medical products and services they sell to Hems, then they have stuff they sell to Hers, and often there'll be sensitive conditions that they're pitching care for, prescriptions, online appointments, all this stuff. So what are they in trouble for? There are allegations that they have been taking your personal information, allegations, not proven in court yet, and sharing them with advertisers like all the meta companies, Facebook, Instagram, blah, blah, blah, blah, blah. And also with Snap. In addition, they are alleged,

• 21:16Speaker 03

  and they're, gosh, I went and looked at the BBB reports on them. And what's crazy is they have an A rating with the Better Business Bureau, but then you read the complaints, and they're the same one after another, after another. They signed me up for a subscription I didn't even know I was doing. And then I couldn't get them to stop billing my card or my bank account or whatever. So I'm attacking an organization I'd never heard of, but now have read a lot about. But it's not them specifically. It's about so many of these

• 21:53Speaker 03

  organizations are popping up, selling medical services of some kind, usually online, usually with, maybe somebody's got a condition they're embarrassed about, they won't talk to their regular doctor about it. And they go to a site, and they have an online doctor visit who writes a script, and they get the med. And first of all, your doctor is not going to judge you any more than some online appointment. And your doctor who normally treats you, let's say, okay, let's get real personal here. Let's say you're going to one of these

• 22:35Speaker 03

  sites for men, the most common thing they do is because their performance intimately isn't like they like. Okay, let's just call it what it is. And so it could be an underlying condition that is a sign of heart disease, or who knows what. Let me tell you, that online appointment that's just going to send you some drugs, they're not going to be able to di- they're not trying to diagnose that. Your primary care doctor, though, he or she, if you have one, you tell them you're having the intimacy problem, they're going to immediately want to focus on what's going on with your blood flow in your body. You're not going

• 23:17Speaker 03

  to get that from one of the sites. And then the scripts and all the rest, and the ongoing subscriptions, you don't want to end up with a problem like that. But I'll tell you something. I was thinking about the Hems and Hers thing, is how could they have this great rating with the Better Business Bureau and have these zillion complaints there? It's because when people find their way to complain there, the problem gets fixed, the subscription gets stopped. Just know that, that this does go on in this space. A lot of people just quietly pay. An example of something that happens a lot, there'll be commercials on TV or on

• 24:00Speaker 03

  websites for you to get some kind of remedy of whatever kind, herbal remedy, whatever. And you sign up for a subscription to get whatever remedy they're sending you. You don't even know you signed up for a subscription, and suddenly you've got these big bills showing up. And they might even say your first, your sampler is $4.99. You think, well, that's great, I'll try it. The next thing you know, the next month, they're billing you $150. Just be aware, this is a ripe space for people to attack your wallet. And be careful out there. Again, it'll be up to the courts to decide if the Hems and Hers allegations are

• 24:45Speaker 03

  valid or not.

• 24:47Speaker 05

  Kristin in Alaska says, I'm in my mid-40s and on track for retirement without continuing to contribute to my Roth IRA. I have two mandatory plans at work, plus an optional plan, and plenty in my Roth from previous contributions. I have a condo currently, but have been saving for a down payment for a real house, if I can ever afford the housing prices here. Single-family homes are stupidly expensive, so I may just live in my condo forever, as I'm single with no children, and it's a want to own a single-family home, not a need. I've been saving in a brokerage account, mostly in a money market, but branching out to a total stock market index fund for longer-term investing. I know I could save

• 25:29Speaker 05

  into my Roth and take from the contributions for a down payment if the time comes, but psychologically, once it's in there for retirement, it's not a house down payment. What I don't like about the brokerage is if I want to rebalance the portfolio, it's taxable when I move the funds. If I put it into the Roth, I don't have that issue. Should I just get over my reluctance to put money earmarked for a down payment into my Roth with the knowledge that that portion, I know I plan to remove the contributions before retirement, or just keep doing the brokerage account?

• 26:01Speaker 03

  Yeah, so 100%. If you have decided you don't ever need to put another dollar in a Roth, then yes, you do need to put dollars in the Roth. That would come way before putting in a brokerage account. So you may or may not ever buy this house, but you've already funded the Roth enough, you're okay for your life. So you keep contributing to the Roth for all the reasons you said. You eliminate cap gains taxes, you eliminate issues in rebalancing the portfolio. And so I would do that. And if you do decide to buy a house and need a down payment for a house, you know the contributions you make here forward, that's money you should absolutely feel comfortable pulling that money out for the down payment

• 26:45Speaker 03

  on a house. Because you're already good for retirement, it's even better for you to use the Roth as a way to build up potential funds for the purchase of a house.

• 26:59Speaker 05

  Kermit in Georgia says, Clark often extols the value of Fidelity's cash management feature, yet he retains a Schwab bank account. Why retain the Schwab bank account in light of the fact that Fidelity Cash Management pays significantly higher interest? Is there a disadvantage with Fidelity's auto pay capability? Curious Clark disciple wonders.

• 27:19Speaker 03

  So Kermit, very good point. I have accounts at all three. I have my idle cash overwhelmingly in Vanguard's Cash Plus account. Is that what it's called? Cash Plus? And so in Schwab is available cash. The balance is kept very, very low. Yeah, so I'm losing some interest being there. And it would be much smarter for me to do the transactions I do at Schwab at Fidelity. I guess I just haven't had enough money at stake for me. So inertia is keeping me from doing it. But you're right. You're completely right. I should make the effort

• 28:04Speaker 03

  and do that. Hey, why do I tell other people to do it, and then I haven't done it myself?

• 28:09Speaker 05

  Scott in California says, have you heard of a company called Crowd Health? It seems too good to be true. What do you think?

• 28:16Speaker 03

  Yeah. Okay, so Scott, the deal is, that is another of the health sharing kind of things. Most of them are religious-based. This one is not. I've had questions about it before. So what it is, is it's a risk pool for healthcare. It sounds great, as any of the religious-based ones, the risk pools, also sound great, because the premiums are a tiny fraction of what healthcare premiums would be for what I call real insurance. And normally, they don't have deductibles. You get a bill, you submit it, they pay it, and

• 28:57Speaker 03

  that's it. For routine care, this kind of thing works great. And I'm not speaking specifically about Crowd Health. I'm talking about the whole idea of being in a risk pool. The problem comes, and where these things can collapse, is they don't have the resources usually to pay if too many people in the risk pool end up with a tragic disease, a crazy expensive cancer, very expensive heart conditions or operations, whatever. So it's not comparable

• 29:37Speaker 03

  to regular, traditional insurance. So for routine stuff, great. For serious, the chips are down kind of stuff, that's where the problems come up. Now also, I can't speak specifically to how the risk pooling works with crowd health, but in general, the risk pool decides what is a covered event and what is not. And it is not unusual to see significant exclusions for payment for big conditions of various types. So you just have to be aware, there's a reason it's so

• 30:22Speaker 03

  much cheaper. Healthcare costs an unbelievable amount of money in the United States for a hospital stay, whatever. It's crazy high. And so insurance, the insurance companies may in different ways rip us off, but the real reason for premiums being so high is that healthcare costs so much more in the United States than anywhere else in the world. So if you buy what feels like equivalent coverage through one of these risk pools, understand it is not

• 31:01Speaker 03

  equivalent. And it's a personal choice if that's how you wish to buy coverage. So at that note, we've reached the weekend. Usually I love it when we end Friday with something upbeat and happy and all the rest. And you know what would be the happy thought?

• 31:20Speaker 05

  What?

• 31:20Speaker 03

  That Scott, you live a long, healthy life and you never have to worry about what medical care costs or what insurance costs or any of that. That would be my hope for you. And my other hope for you and every other listener or viewer is that your weekend is fantastic. And though we're serving you all weekend long through our newsletters that you can sign up for for free, no games, no gimmicks, no ongoing ripoff subscription at clark.com/newsletter. Or newsletters either gets you there. We make it just as easy to cancel our free

• 32:03Speaker 03

  subscription as to sign up for it if later you say, Clark oversold that. I don't think that newsletter is great. But I believe you'll think it is outstanding and priceless. So your decision, your call. So all about your empowerment, whatever way you want knowledge you can act on. So you can save more, spend less, and avoid getting ripped off. Enjoy your weekend and we'll serve you Monday.

• 32:39Speaker 01

  Your sausage McMuffin with egg didn't change, your receipt did. The sausage McMuffin with egg extra value meal includes a hash brown and a small coffee for just $5. Only at McDonald's for a limited time. Price and participation may vary. Promotion pricing may be lower than meal pricing.

• 32:54Speaker 07

  Medafinil from mod.com is changing the way high performers get energy. Medafinil is a prescription treatment that engages multiple pathways in your brain to achieve steady energy and alertness for 10 to 12 hours. And it's now available at mod.com to qualifying patients. Visit mod.com for a free consultation and get 10% off your first order plus free shipping with promo code Spotify. That's promo code Spotify at mod.com.