09.09.26 Price Versus Quality / Healthcare, Retirement & Job Lock

Would you pay a lower price for lower quality? Clark readily admits he would - in some cases. Is buying the absolute cheapest option actually saving you money, or is it a hidden trap? Clark breaks down the everyday dilemma between price and long-term quality, sharing where he happily goes rock-bottom cheap (like flat-screen TVs) versus where paying a bit more pays off for safety, durability, and real value. Also, are you staying in your job to keep your benefits? Nearly 1 in 4 Americans are stuck in jobs they want to leave simply because they can't afford to lose their health coverage. Clark exposes the bizarre history behind "job lock" and explains why tying healthcare and complex retirement plans to employment is a system that desperately needs fixing. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 9, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Price Vs Quality: Segment 1 Ask Clark: Segment 2 Job Lock: Segment 3 Ask Clark: Segment 4 Mentioned on the show: When Saving Money Costs More in the Long Run Is It Worth Buying High-End Appliances? - Clark Howard How To Open a Roth IRA - Clark Howard Roth IRA Growth Calculator - 2026 - Clark Howard My 7 Rules for Using Credit Cards - Clark Howard US Mobile Review: 6 Things To Know Before You Sign Up The Best International Phone Plans - Clark Howard Using Cellular Data Internationally: Buying a Local SIM Card Staying in a job for the health insurance? About 1 in 4 Americans do, a survey says The Millionaire Next Door Is LifeLock Worth It? - Clark Howard How To Freeze and Unfreeze Your Credit With Experian, Equifax and TransUnion Clark.com resources: Episode transcripts Community. Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

• 0:00Speaker 00

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• 0:27Speaker 01

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

• 0:42Speaker 02

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

• 0:44Speaker 03

  I'm so glad you're with us here on the Clark Howard Show. And our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life. In this episode, I'm going to tell you about something I'm accused of all the time. Choosing lower prices over quality. Is that a good idea? Or am I just plain dumb? Also, are you having to stay in the job you're in because of the benefits you're offered? Wow, you wouldn't believe how many people are having to do that.

• 1:28Speaker 03

  So, big debate. I've always said I will accept lower quality for a lower price. I mean, I'm just straight out like that. As an example, my beloved Costco, a lot of the clothes there I won't buy because they're too expensive, in my opinion. I know there are people that think that's really crazy, but I will not spend money on something that I think I could get by just fine with something that is maybe not as high a quality. And there are times that that makes you, what's the expression? Penny wise, pound foolish?

• 2:13Speaker 03

  It is always a dilemma if you are making a choice knowingly to spend less for what could be an inferior experience. And so, I'm not an idiot. I mean, there are times, well, maybe I am, but there are times that I do pay more money because of safety for me or my family. I think about when I pick hotels, I will avoid a neighborhood that I see in reviews is really sketchy. I was helping my oldest daughter with a hotel reservation recently in Phoenix.

• 2:56Speaker 03

  And so, I was looking at hotels that were around Phoenix Sky Harbor because she had a morning flight and needed to stay at an airport hotel. And if you're familiar with the Phoenix metro area, the airport is really pretty long and skinny. And so, there are so many different areas that airport hotels can be located. So, I found a real deal at a new hotel and then started reading the reviews. And one after another was talking about how frightened they were of the neighborhood. Eliminated. So, there are things that even cheapskate me, I have standards, but there's something

• 3:41Speaker 03

  else too. My wife still has some of her clothes from when she was in high school. It was pretty amazing, right? Lane buys almost all her clothes used, but she understands fabrics and she buys items that have stood the test of time, that are going to wear well or well-made. And she saves money. And the way she does it, instead of buying new, high-quality stuff, she buys used, high-quality stuff.

• 4:20Speaker 03

  There are things you can do, and all of us negotiate in our heads when we make decisions about what we buy, where we buy, and if we buy at all. And so, yeah, I will, very different from my wife, I will buy lower quality for a lower price. She's never going to do that, but she will look for a way to save money on stuff. It is potentially false economics when you buy something that falls apart right away. But I gave an example recently of why in appliances, buying high-end is generally a

• 5:03Speaker 03

  mistake versus buying big production run mid-market models. Because the high-end ones tend to have a lot more gizmos and gadgets and wow factor things that run the price up, reduce the number of units of production, and they're more likely to be unreliable, more likely to break than a mid-market model of an appliance. And that's just an example that it can't just be one strategy for everything. One thing though, that I always buy rock gut cheap, a television. Why?

• 5:46Speaker 03

  Because the beauty of the screen on the cheapest TV is amazing by itself. Why spend three, four, eight times the cost for the latest cutting-edge thing that in two years is going to be the bargain TV? Why Indeed? Oh, and by the way, on TVs, the reliability, even with the least reliable brand, is fantastic. Krista?

• 6:19Speaker 04

  Okay. Danielle in Virginia says, my children, 17 and 19, recently received $20,000 each as an inheritance.

• 6:27Speaker 03

  Well, I'm sorry, they lost a loved one.

• 6:29Speaker 04

  They have good college funds and cars. How best should we invest and save this money? What are the best types of accounts for us to look into? Their 529 plans are fully funded and they each have a savings account with approximately $5,000. Both have jobs to pay for their gas and have fun money. Please help us to maximize this financial blessing to best serve them in the long term. The kids are okay with not having access to this money in the immediate future.

• 6:55Speaker 03

  Danielle, okay, first of all, I'm sorry about the loss of a relative. Second, you couldn't have teed me up a better pitch than this because you said that they both work part-time, right? All right, and they got 20 grand here. The answer is to funnel that money into a Roth for each of them, year after year after year, as long, you can't ever exceed in a year more than they make in a year. But over the next many years, they'll be able to fully migrate that 20,000 into each

• 7:39Speaker 03

  their own Roth IRA. If you look at a compound calculator, we have one at Clark.com, and you see what that 20,000 is going to be worth for each of them in 50 years, let's say, it's unreal how much that money will be worth invested. So, what I would recommend, open an account for each of them with one of the discount investment houses. I always talk about my three favorite children, Schwab, Vanguard, Fidelity. Put the money in the money market there, whatever they make this year, throw that amount of money into a Roth from that. And every year, keep doing that till all the money is migrated from that 20,000, at

• 8:24Speaker 03

  some point in their twenties, all into a Roth IRA for the future. It's the best gift the late relative who gave them that money could ever give is give them long-term financial security from the get-go in their twenties.

• 8:43Speaker 04

  For sure. David in Massachusetts says, I'm a bit confused over which bits of your advice I should listen to. Let's suppose I've won a collectible or other expensive item in an online auction. I have no previous relationship with the seller, so usually my priority would be looking for some protections that a credit card would afford me. However, many sites these days add that 2% to 3% fee if you want to pay with a card. If you've bought a pricey item, that can be quite a lot of additional money. There are other options like sending a physical check, which you've said is a bad idea because of check washing and potentially lost in the mail concerns. Paying with Zelle or PayPal, which can often not only add a fee, but as you've cautioned,

• 9:26Speaker 04

  open your account up to potential exposure, or do a wire transfer, ACU, I think it's called, which seems to offer no protection if the seller misrepresents the item.

• 9:36Speaker 03

  ACH.

• 9:37Speaker 04

  Yeah.

• 9:38Speaker 03

  Which is not a wire that's...

• 9:39Speaker 04

  Yeah, you're giving them access to your, you have to give access to your checking account for that. Once your money is gone, it's gone. So, what's your advice in such a situation? Save a lot of money and risk exposure doing the direct payment method, or pay a potentially large pointless fee using a credit card? Two Clarky tenants in opposition, save money or protect yourself.

• 10:00Speaker 03

  So, David, absolutely use the credit card.

• 10:05Speaker 03

  There's value in it. And hopefully you pay your credit card bills in full and you're using a rewards card that gives you maybe 2% cash back, which would cover the lion's share of whatever junk fee you're having to pay for using a credit card.

• 10:22Speaker 04

  Victor in Alaska says, "We had our first three-week trip to Europe last summer."

• 10:27Speaker 03

  Oh, fun.

• 10:28Speaker 04

  Yep. Thanks to your tips, we had fun and saved a lot of money. One issue we faced was the mobile data. We bought a prepaid SIM mainly for data from the Netherlands as soon as we landed. They claimed it would work across Europe.

• 10:42Speaker 03

  Oh, don't believe that.

• 10:45Speaker 04

  It offered 10 gigs of data plus unlimited calls and SMS for a month for 30 euros. It worked well in the Netherlands while traveling to-

• 10:52Speaker 03

  Oh, I know where you're going with this story. They crossed a border into another EU country and it was nothing, right?

• 10:59Speaker 04

  Right. Traveling to other countries, Belgium, France, and Germany, it did not work at all. I tried contacting customer support, no help. Finally, I took data from my low-cost US carrier and they offered five gigs of international data for $10, which was more than sufficient for our three-week journey, as we used Wi-Fi wherever available.

• 11:17Speaker 03

  Who was offering that? That's good.

• 11:19Speaker 04

  That was US Mobile.

• 11:20Speaker 03

  Ah, US Mobile is on our list of great cellphone operators, and that's really a good offer.

• 11:28Speaker 04

  Mm-hmm. After I returned from the trip, I noticed that this, where they bought the trip from, charged me the next month also. No response from customer support for my several complaints. I finally contacted my credit card company. They issued a reimbursement, but had to cancel and reissue a new card to avoid future charges. After this, I read in forums that this provider is notorious for such poor service. My suggestion is stay away from this in Europe and check your credit card bills carefully, at least for a couple of months after your international trip, to avoid any false charges.

• 12:01Speaker 03

  I'm curious, who was the-

• 12:03Speaker 04

  It's Leica, I think you say.

• 12:04Speaker 03

  Oh, I'm very familiar with them.

• 12:06Speaker 04

  Yeah, you've mentioned them before.

• 12:07Speaker 03

  Okay, so they use a lot of commissioned sellers. You can go to little tobacco shops, is what they call them in Europe, miniature convenience stores, whatever, electronics stores. They sell the Leica mobile product. It's usually used by foreigners traveling around the world. And you cannot believe anything they tell you at any independent shop selling you a Leica card. And so I knew where you were going with it, because I've heard this complaint so many times. They said I could use it anywhere in the EU, or they said whatever. The only thing you can trust with a Leica product, unless the packaging

• 12:48Speaker 03

  itself says you can use it in blah, blah, blah countries, you can only expect it to work in that one country. So if you're doing a single-country trip, like you're doing, let's say you've got a kid who's doing a semester abroad or something like that, it's great. Really cheap for you to have data access in that country while you're there. But if you're traveling multiple countries, don't believe anything you hear about, "Oh, yeah, it's gonna work." Oh, it's not like traveling around the United States. Every time you cross an EU border, it's a new set of rules for something like that.

• 13:27Speaker 04

  It does seem, though, if you're with one of the low-cost carriers that we have on our cellphone plan tool, too, that a lot of people have probably gone through and switched to one of these low-cost MVNO plans, many of them have really good deals for the foreign travel. I know Visible-

• 13:40Speaker 03

  Just like US travel.

• 13:41Speaker 04

  Yeah, Visible gives you a month, one day for every month that you've paid your Visible bill throughout the year, so you can get up to 12 days a year. And then, yeah, US Mobile. So I would check there and simplify your life if you can.

• 13:53Speaker 03

  If you're a routine international traveler, you gotta look at what I'm using, which is Google Fi. Google Fi is so great, because you use your data overseas in most every country in the world, just like you're right here in the good old USA. Wherever you are, the data follows you. And what a huge money saver it is for me, since I do travel so much.

• 14:20Speaker 04

  Right.

• 14:21Speaker 03

  And it's just wonderful. And, you know, I mentioned on a prior podcast that my son had gone with his best friend from high school, who's European. They'd gone around Spain and England on a trip recently this summer, and it was just completely like he was next door, being able to communicate with him at no extra cost.

• 14:46Speaker 04

  Sure, he was able to text you in the middle of the night that he didn't book a hotel, right?

• 14:51Speaker 03

  Yeah, that, that did happen. That did happen.

• 14:56Speaker 04

  You're the dad to have when you forget to book a hotel.

• 14:58Speaker 03

  Part of being 21. Well, anyway. But the best story about him with that trip was I kept saying, "Grant, if you're gonna go see Stefan, you need to start looking at flights." When did he start looking at a flight to go?

• 15:16Speaker 04

  Oh, boy.

• 15:18Speaker 03

  72 hours before the trip. So he learns nothing-

• 15:23Speaker 04

  Wow.

• 15:24Speaker 03

  Because there was a sale to Madrid, where he flew for $347.50 in the height of the summer season, booking three days out. I mean, so my message about how you can't just willy-nilly book last minute, it actually not only fell on deaf ears, I lost all my credibility-

• 15:47Speaker 04

  Sure.

• 15:47Speaker 03

  -because waiting till the fare was much cheaper than it had been.

• 15:51Speaker 04

  Wow, that's great luck.

• 15:53Speaker 03

  Yeah. So he'll, he'll learn in the school of hard knocks at some point. Okay, coming up ahead, talk about school of hard knocks. Staying in a job you hate because of the benefits it offers? Talk about that straight ahead.

• 16:13Speaker 00

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• 18:28Speaker 03

  Okay, this is bonkers. Job lock? It's a real thing. People who stay in a job because of the benefits available, and they're miserable in the job. A Gallup survey finds 23 million Americans are in job lock. 23 million are staying in a job that they don't like, because they can't give up their benefits. Usually, most often, it's gonna be healthcare.

• 19:01Speaker 03

  This is bonkers. I mean, I gotta tell you, of things we need to fix in the country, other than politicians doing their pithy 12-second position statements on social media, whatever you call what they do, is we need to do hard stuff. I've talked in the past about how we gotta fix social security, and it's not even hard. They just don't want to do the hard work. They're just salespeople. Not there's anything wrong with salespeople. It's just our congressmen and senators should actually be there doing things. And on benefits, okay, who thinks it's a good idea that we have this crazy complicated system for retirement

• 19:45Speaker 03

  plans? That, well, we got this kind of plan at our work, and then I left there, and then what do I do? And, I mean, these are things that are solvable. With retirement plans, there should be a simple retirement plan. Oh, it exists. It's called the Roth IRA. But there should just be the Roth. That's not an IRA, not a 401k, not a SEP Roth, not a blah, blah, blah. There should be a single retirement plan that follows you, that is your plan, that goes to wherever you work. And if they offer a match, they

• 20:30Speaker 03

  offer a match. If they don't offer a match, they don't. But it should be your plan. Right now, imagine with how many different jobs people have over a working lifetime, that they could end up with six, eight, 10, 12 different 401k plans that just get lost in space at different places. Employers now, more and more, are charging punitive fees to ex-employees who leave a 401k behind. I mean, this whole system is so ridiculous and is so easy to fix. So easy to fix. Healthcare, same thing. Why on earth do we have this

• 21:14Speaker 03

  job lock thing in the United States with employer-provided healthcare? Do you know the history of it? It goes back a zillion years when we had something known as wage price controls. And to combat inflation, you couldn't give people raises outside of a specific thing. So there was a loophole in it that employers could give you benefits as a backdoor way of giving you effectively more compensation. And that's how healthcare became an employer-provided thing. I mean, it's just lunacy it's done that way. If I

• 21:53Speaker 03

  were drawing a scenario, it's not gonna fix the cost problems I've talked about with healthcare, but everybody would buy their own individual plan. And if they're working somewhere and the employer subsidizes it, that's fine. If they're working for themselves, they don't get the subsidy. I mean, these things can be solved. But the idea is, oh, my employer says I have to go in this plan, and I can't go to you anymore as my doctor. Continuity of care is so important to health outcomes that we need to get away from this thing with somebody else deciding what coverage we're gonna have. We need to be able to decide

• 22:38Speaker 03

  our own. And again, if the employer wants to help with that, they can help with that. If you think about these various problems, the inefficiency of people staying in a job that they're mailing it in because they hate being there, wouldn't it be so much better if people worked where they wanted to work? It weren't somewhere because they were worried they would leave and they wouldn't be able to have that benefit? Seriously. So if I were your emperor, I don't believe in emperors.

• 23:08Speaker 04

  Emperor Clark.

• 23:09Speaker 03

  These are things that I would do, is I would completely reorient and rethink how we do these things. You know, one of the real problems with employer-provided healthcare? We're not the, we're not the customer. Do you think that medical providers treat us like such dirt because we're the customer? They treat us like dirt because we're not the customer. The customer is the employer or the insurance company. Think about the example I'd like for you to process, how going to a dentist works versus going to a doctor. The dentist, they're actually happy to see you when you come in. How many doctor's offices do you ever go in, or medical facilities? They're happy to see you.

• 23:53Speaker 04

  I, I mean, let's not paint with such a broad brush.

• 23:56Speaker 03

  That's what I do in life.

• 23:58Speaker 04

  I know, but that's not true.

• 24:00Speaker 03

  No, but there is a cultural difference between parts of medicine. What's the line from Hangover? You're not a doctor, you're a dentist. No, they're medical professionals. Let's call them all medical professionals. When you go to a place that's not caught up in this web of all this ridiculous employer-provided insurance, the culture is different. How about parking? You ever had to pay for parking going to a dentist?

• 24:31Speaker 04

  Yes. I have to pay at my current dentist.

• 24:34Speaker 03

  You do?

• 24:35Speaker 04

  I do.

• 24:36Speaker 03

  Okay, so my, have you ever, it actually has happened to someone?

• 24:40Speaker 04

  Sure.

• 24:41Speaker 03

  Okay, I'm surprised. Because most medical places you go to.

• 24:45Speaker 04

  Oh, yeah.

• 24:46Speaker 03

  The parking.

• 24:47Speaker 04

  I mean, it depends on where you are. If you're in the city or out in the country, but yeah.

• 24:52Speaker 03

  Okay, I'm sorry. I digress so much there. Let's get on to people's questions.

• 24:57Speaker 04

  All right. Rob in Maryland says, my parents were very affluent and retired with nothing. This had a profound impact on me. I took a personal finance course in college and read The Millionaire Next Door, and I said to myself, I'll just do everything in this book. Well, here I am, 50, no debt, college taken care of for one and a half kids. The last two years from kid number two will likely come from cash flow. I have about $1.3 million between 401k and IRAs, primarily traditional but some Roth, all with Fidelity. To give you a full picture, it is also important to let you know that I'm a renter, but I have $150,000 sitting in a Fidelity Cash Management for a down payment when my youngest

• 25:39Speaker 04

  graduates high school, and I don't have to be beholden to school districts. This was a strategic move based on the high cost of living area where we chose to educate our kids. Here's the thing. After three decades in advertising, I am making the move to nonprofit. It has been my dream to play an active role in Jewish life, and I am thrilled that with the support of my wife, I can finally make the move.

• 26:03Speaker 03

  Isn't that great, to be able to do what you want to do?

• 26:06Speaker 04

  Yes, yes. I thought this would be perfect after what you just talked about. The role comes with a 3% 401k gift and match of up to 7%. Not bad. Here's the kicker, though. It is through an insurance company. I have been spoiled by having my 401k with one of Clark's favorite children. What do I do? Just put in enough to get the max match, right? Then any additional savings go into my Roth IRA. How would you advise me? My hope is that I can work until 70. There is longevity in my family, and I hope that having a field that I'm passionate about will make these next 20 years feel like something special, not a slog. Thank you.

• 26:46Speaker 03

  Oh, this is, this is so inspiring. All the things happened. And if you don't know what Rob was referring to, The Millionaire Next Door, this was research done by university professors, now passed away, who wanted to figure out what were the characteristics of people who became millionaires. And what surprised him so much in the research, it wasn't what he was expecting, is that, and this is why this book has become kind of timeless, is that most of the people who became millionaires did it from regular jobs or small businesses, and they did it by no flash, all cash, that they lived below the

• 27:30Speaker 03

  radar. They didn't live ultra-fancy lifestyles, and they were always saving money and created independence, wealth, and became millionaires. And it's just so true. This was all empirical data. This isn't just a story. So this is great news that you learned from the negative example you saw in your youth, and you have lived a lifestyle where you've always saved money. And look where you are now. So now you get to go do what you'd love for the

• 28:09Speaker 03

  remainder of your working lifetime. That's great. And then on the question, so they're using a high-cost insurance company for your 401k, which means the expenses will be 10, 20, 30 times the cost of having a 401k with Fidelity or with Vanguard. So what you do, you want to pick up the free money. So just as you supposed, you want to put in up to the match, and then anything else you do, you do with one of the low-cost, my favorite children, in your Roth IRA, contribute to it every year, along with a parallel track

• 28:53Speaker 03

  of doing the overpriced plan that your employer has. And I would just encourage any business owner, if you have a 401k plan for yourself and your employees with an insurance company, you gotta know that normally you're paying way, way, way, way, way too much in fees, potential commissions as well. And the long-term impact on your wealth and your employees is enormous from paying those high fees.

• 29:27Speaker 04

  John in Wisconsin says, in past shows, Clark has talked about when a person is mortgage debt-free, they should set aside money for future home repairs and other upgrades, et cetera. What is that amount or percentage?

• 29:39Speaker 03

  Okay, so there's a lot of debate in, really, research circles on this, how much you should do. And I've seen amounts from 1% of the value of a house each year to 4% of the value that you'll have to spend on maintenance and repairs. And the debate is, I mean, you think about that, that's such a wide gap from one to four. So one would be based on brand-new house, four would be on an older house. Let's say you just did 2.5%.

• 30:20Speaker 03

  Since the learned people have come up with such a wide scale, that if you save, just so you're building that reserve, 2.5% of the value of the home each year for maintenance and repairs.

• 30:33Speaker 04

  Okay. Jenny in Georgia says, I received multiple texts and voicemails today from a person who identified his first name, but not the agency he represented. He needed to get in touch with me very soon, time sensitive, about the paperwork on his desk where someone has a loan with the email address. He didn't specify which of my email addresses, the same email address. The person whose name is on the loan has a different first name, but we share the same very rare last name. About the same time, my sister-in-law forwarded a voicemail where that same person reached out to her. He gave her the same spiel that he needed to get in touch with me, not her, and can, I guess, sister-in-law help. I checked with my LifeLock account to ensure that my credit was still frozen and to see

• 31:18Speaker 04

  if there were any alerts about my private information. Everything looks good. I've looked online to see if this was a common.

• 31:24Speaker 03

  Okay, let me stop you right there because I need to point out, LifeLock is not the same as a credit freeze. LifeLock is an alert service. If you don't have your three credit bureau files frozen, LifeLock is more like having a burglar alarm. Credit freeze is more like keeping them out of your house. So I want you to please, if you've not done so, freeze your credit with all three credit bureaus. You want to know how to do it? It's free. Go to Clark.com/creditfreeze. And I'm sorry I interrupted you.

• 31:58Speaker 04

  It's okay. The bottom line is, please remind folks to be extra vigilant about phishing and scammers out there. They're extremely advanced to the point where they're contacting multiple people and family members to add to their authenticity and pressure tactics.

• 32:13Speaker 03

  So Jenny, thank you. I do want to tell you, there is an outside chance that someone did take out a loan using false identity, not using the exact name of any family member, but using information they've stolen online. And this could potentially be a debt collector. Now, if they have your address from first contact, they have to send you a letter identifying who they are, what the debt is, and all the rest. It's hard to know from your story whether this could potentially be a legitimate debt collector or what the circumstance could be.

• 32:57Speaker 03

  Here's what I think you should do. You did everything right, but if you don't have it yet, please put those three credit freezes in place. And if in fact, there is a debt that somebody falsely took out with your unusual last name, eventually you'll find that out. But because it's not your debt, you have no obligation for it or anything like that. Please, if you happen to learn more information that would tilt this some other direction, please follow up with us and let us know. But being as cautious and careful as you were, and I think you said your sister as

• 33:41Speaker 03

  well, you're both doing the right thing. You don't engage, you don't share information, nothing like that. And thank you so much for joining us today. I hope that something today was useful to you that you can put to work in your own life. And coming up on Friday, it's time for Clark Stinks. In the meantime, I want you to know that our goal is to connect to you, to reach you, to provide information wherever you most want to be served, whether it's YouTube shorts,

• 34:18Speaker 03

  full-length YouTube show, podcast, social media, our websites, Clark.com, ClarkDeals.com, our newsletters, which are fantastic. And especially, not only is the content great, they're free. You can see about them at Clark.com/newsletter or newsletters. In addition, in several markets in the country, you can watch me on the news every day on television or listen to me on radio as I do commentaries and stories to empower you. Everything we do is about empowerment with knowledge that you can act on so you can

• 34:59Speaker 03

  save more, spend less, and avoid getting ripped off. And have a great rest of your day.

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