09.18.26 Clark Answers His Critics on Clark Stinks / AI Baby Monitors?

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, there are new tools for parents to keep track of their babies' health and sleep. These are much more sophisticated than old fashioned monitors. Is there cause for concern? Smart monitors and AI-powered devices are now tracking everything from sleep patterns and health metrics to developmental milestones and growth rates right from birth. While these analytics are popular with parents used to tracking their own health data, you have to ask: who else is watching? Before you install an AI surveillance system in your nursery, Clark shares a warning to consider. All this and more on the September 18, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 AI Baby Health Surveillance: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best 529 Plans by State: How Clark Howard Picks the Top College Savings Plans Best Return of Premium Life Insurance for 2026 Term Life vs. Whole Life Insurance: Understanding the Difference Why Your HOA Fees Are Skyrocketing - Clark Howard NYTimes: Aw, It’s Baby’s First A. I. Surveillance System 12 Ways You May Be Exposing Yourself to Fraud - Clark Howard 7 Essential Rules To Get Great Customer Support Every Time 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 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.

• 0:30Speaker 01

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• 0:42Speaker 02

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

• 0:49Speaker 03

  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. And it's time for my favorite part of my work week.

• 1:04Speaker 04

  It really is.

• 1:06Speaker 03

  I do.

• 1:07Speaker 04

  You love it.

• 1:08Speaker 03

  I get joyous about it.

• 1:09Speaker 04

  You do.

• 1:10Speaker 03

  Our Clark Stinks segment. And later, you know, there are a bunch of new tools that did not exist when my three kids were young to track the kids all different ways from newborn on. And this is way beyond a baby monitor, which seemed like a big deal at the time when those came along. But I'm actually concerned about this, and I want you to know this as a parent. That's coming up later. But right now, it's time to hear how I am stinking it up in today's Clark Stinks. You must think I'm pretty stupid. You should be ashamed of yourself. Well, maybe I'm wrong.

• 1:55Speaker 03

  Maybe I'm wrong.

• 1:56Speaker 04

  Maybe you're right, pal.

• 2:03Speaker 04

  All right, here's your first stinks. This one's from Justin in Texas. Clark gave some travel advice that smells a little too much like expired supermarket sushi.

• 2:13Speaker 03

  Wow.

• 2:14Speaker 04

  I love that one.

• 2:15Speaker 03

  Do you ever eat supermarket sushi?

• 2:17Speaker 04

  I love, actually, yes. I, once a week, usually. It's not, I don't eat the raw fish, though. I do a veggie sushi that I really love from my supermarket. Okay. To the listener who asked about travel tips in Asia from Christmas to the first week in January en route to launching their daughter from Bangkok for a semester at sea, Clark suggested that Japan was the most user-friendly destination. The rest of the year, absolutely true, but precisely these days from just post-Christmas to January 3rd or 4th are some of the busiest domestic travel days in Japan. Millions of Japanese citizens travel within the country to their hometowns or vacation spots around December 27th to 31st and return January 2nd to 4th. I'm going to try this. Shinkansen, right?

• 3:02Speaker 04

  Bullet trains, expressways, and domestic flights sell out completely as people travel to their hometowns from the cities to celebrate the New Year holiday. Many independent shops, local restaurants, and museums close completely from January 1st to 4th as locals celebrate the New Year. Also, the shrines and temples are completely jam-packed with crowds of people seeking blessings for the New Year, and the weather can be downright freezing and blizzard conditions. Sounds like not appealing, Clark.

• 3:29Speaker 03

  Sounds terrible.

• 3:31Speaker 04

  Something to consider. I like Clark's idea of bouncing around Thailand much better, cheaper too. Thanks for all you do.

• 3:38Speaker 03

  Okay, I appreciate that. And Justin, thank you for educating me. I've been to Japan half a dozen times, never during the Christmas, New Year's period, and was clueless that that was really bad advice I was giving. And Japan, by the way, is such a deal because of the decline in the yen and such a safe, user-friendly destination. I love, obviously, I've been half a dozen times. I love going there. The idea of bouncing around Thailand, I love that one too. The weather, a whole lot better than as well.

• 4:16Speaker 04

  Mm-hmm. Okay, Steve in Ohio says, just a light odor. You don't stink, but regarding the question about pulling from a 529 to offset scholarships, it would help to make clear that the scholarship offsets need to be pulled in the same tax year that the scholarships are awarded. I think you knew that and you were recommending that the writer pull the money, but hold on to it in case the child went on to pursue a professional degree. The way I heard your response was still a little unclear.

• 4:42Speaker 03

  Yeah, thank you for that. So both things are true at the same time, that so many of the rules with 529s require that in order to be tax-free, it has to happen in the same calendar year, not even the same school year. So that is absolutely true. But then the second thing is true as well. If you have a kid who's likely, based on knowing how they're wired, they're a graduate school kid, then having, leaving the money in the 529, taking a chance on that, the worst that would happen is that you then move it into their own Roth IRA if you guess wrong on grad school.

• 5:25Speaker 04

  Laura in Virginia says, Clark, you stink like when my 10-year-old son leaves his wet bathing suit in the back of the hot car. Honestly, he loves listening to Clark Stinks and echoes the intro as it plays. When you had a recent comment discussing credit card rewards, you mentioned it can be challenging for your wife to remember what card to use when. To help my husband with this, I assign nicknames to the cards in his Google Wallet. For example, I renamed the Sam's Mastercard Gas, the Blue Cash Preferred Groceries, et cetera. When you pull up the wallet, the nickname is listed right under the picture of the card, making it easy to choose the right one for the store he is in. This can also be helpful when you have a card with rotating categories so you can

• 6:08Speaker 04

  update it as the cash back bonuses change. Thank you so much for all the ways you have helped our family save more and spend less over our many years of listening.

• 6:17Speaker 03

  Okay.

• 6:18Speaker 04

  I love it.

• 6:19Speaker 03

  So this is so great. This is something that's gonna happen in the next 24 hours. I love this because...

• 6:26Speaker 04

  You mean in your family?

• 6:27Speaker 03

  In my family.

• 6:29Speaker 04

  Like Lane's phone.

• 6:30Speaker 03

  Because Lane is like, I can't remember all these things. I'm always using the wrong card. So doing it is the nickname. She's on an iPhone, so in her Apple Wallet, having the nicknames so she knows, oh yeah, that's the supermarket, that's restaurant, that's blah, blah, blah. That's really smart.

• 6:50Speaker 04

  Genius, Laura. I love it. Okay, Joe in Georgia says, Clark, you stink like a dead cow after being in the hot summer sun for a week on the farmland that I sold through 1031 exchanges. You're partially correct about the 1031, just pushing the eventual tax down the road, but there's a way to avoid paying any tax on a 1031 property. The replacement property does have to be held for investment purposes, but after two years, you can move into that property without nullifying your 1031 exchange. So sell the first investment property, buy something you want to live in after two years, and after two years, sell your primary property, which most of the gains, if not all, will be exempt from capital gains.

• 7:32Speaker 04

  I'm just a regular guy who's always worked a job, but my father left me some farmland in East Tennessee that I was able to divide up and sell in tracts and 1031 for seven rental properties, one of which I will probably move into eventually. The capital gains rate may be lower than regular tax rates, but if you and your wife make over $250,000, you're charged a 3.8% net investment tax. And then, then the state taxes, so you end up with close to 25% tax in his state, Georgia. A company local to you processed my exchange, and if you would like more information on it, check them out. I also actually love the show. I've been listening for years, and 90% of the time, it's great advice. Thanks for all the wisdom you share. That's still an A, right?

• 8:17Speaker 04

  90%?

• 8:18Speaker 03

  Yeah, but that's not what our listeners would expect.

• 8:21Speaker 04

  No, we want an A+.

• 8:22Speaker 03

  You want a, you want a perfect 100.

• 8:23Speaker 04

  Yep.

• 8:24Speaker 03

  That's why we do Clark Stinks. Okay, so my understanding is what would happen in that case, your accountant has said this is okay. My understanding is that it'd still be partially taxable for the time period till you made that your primary residence. That is, that is such a specialty situation, and it's worked for you. Gosh, well, first of all... I'm going to leave this to the accountants. I'm not even going to say anything else. I appreciate the perspective because I've not heard of doing this where you 1031,

• 9:05Speaker 03

  then you turn the subsequent 1031 into a primary residence and then you're exempt from most of the tax. I've not heard that before and I'm going to defer to the expertise that you found and that you've hired.

• 9:21Speaker 04

  William in New York says, Clark, you stink worse than having to get rid of fruit you forgot to finish. When you talk about life insurance, you only mention regular term insurance, which yes, is the cheapest, but you neglect to mention either return or premium term insurance or pay 10, 15, or 20 whole life insurance. While the return or premium life insurance is term insurance that costs more, after the term ends, you get back everything you paid into the insurance once the term's over. The pay 10, 15, or 20-year whole life insurance is a whole life policy that is paid off in that timeframe. When you're younger, you can benefit because of the cheaper rates and you don't have to keep paying for it after the term is over and you keep the policy.

• 10:03Speaker 03

  William, thank you. All right. So let's first deal with return or premium level term insurance. It ends up with an imputed return from what I've seen of about 6%, which is good. The reason the insurers sell return or premium term insurance is that most people allow a term insurance policy to lapse way before the end of the term. So it's a good deal for you if you're somebody who is absolutely going to stick in there, pay the premiums through the years, and then you're going to get back every premium dollar you paid in at the end of 20, 25, 30 years. And so you're playing the odds knowing what kind

• 10:48Speaker 03

  of person you are. Because most people never complete the term of the level term insurance, you're paying a higher premium for return of premium. And that's why for most people it won't work. So you've got to know the person. On doing the whole life where you pay 10-year, 15, 20, a lot of times the premiums are so much higher on whole life that people at a younger age may not be able to afford to do fully paid up whole life in 10 to 20 years. So it's fine for them to do it. But the problem with whole life

• 11:29Speaker 03

  is that so often it crowds out other higher, more important needs that somebody younger in their life would have, which is namely making sure you're fully funding retirement accounts like 401Ks, Roth IRAs, hopefully Roth 401Ks, whatever. I would say is a higher priority for almost anyone except maybe an ultra, ultra, ultra-high-income earner that a whole life strategy would be appropriate.

• 11:59Speaker 04

  Anonymous says, I wish you would talk about the good HOAs do instead of focusing on the problems that some cause. As president of our HOA, I assure you, we've never, and I repeat, never foreclosed on a home, find a homeowner, or acted in the high abandoned, arbitrary manner that opponents of HOAs seem to want to paint all HOAs with. Using ours as an example, we pay the property taxes on our community-held property. We arranged repairs on the brick wall at the front of our subdivision after it was hit by a car, then dealt with the driver's insurance. We pay the electric bill for the lighting in the front of our subdivision. We drive the subdivision at night to check that the street lining is still working. We walk the streets picking up trash that others have dropped.

• 12:41Speaker 04

  After voluntarily taking care of the landscaping on the commonly-held property at the front of the subdivision, we hired and paid for the service. We file the required corporate registration with the Secretary of State office. We've dealt with developers and our county government to modify nearby rezoning filings. We built and filled a free little library, little free library.

• 13:01Speaker 03

  I love those libraries.

• 13:02Speaker 04

  All this and more for the outrageous householder cost of $40 per year that less than half of the homeowners actually bother to pay. Shouldn't all residents share in these things? I strongly suspect that many of the issues HOAs are blamed for actually arise from the professional businesses hired to run them.

• 13:21Speaker 03

  So, all right, let me first say this. Being on a condo board or being on a homeowner association board is generally a thankless task. A lot of boards have to beg people to run for office in the election cycle because you're not making people happy. Usually they're just complaining, well, why in this? Why in that? Whatever. And no doubt, homeowners associations serve a very useful purpose, and obviously condo associations. The problem has come when one is run by rogues and they get out of control and how they may abuse

• 14:03Speaker 03

  the power they have for fining and in many states, foreclosing on a homeowner. And so I have to bring to the table things that are actually going on. I have served on multiple condo association boards over the years. And I can tell you, it's not always the most wonderful experience to serve, but it was important to me to be there and help in whatever way I could to make the community better. So it is a job when people serve in most cases that is very hard without a lot of thanks coming your way. So I'll say thank

• 14:47Speaker 03

  you for your fellow homeowners.

• 14:49Speaker 04

  It does sound like Anonymous's homeowners association is not obligatory, that it's a voluntary one. And I think that makes a big difference, too, because only, I mean, only half the people pay the fees, which is unfortunate. I'm in one of those like voluntary ones and they do do so much work and I really appreciate. But if it's, they can't foreclose on you, they can't do any of the power plays that the obligatory ones.

• 15:12Speaker 03

  How much is a year?

• 15:12Speaker 04

  It's 100. You could pay more if you want. Mark in Hawaii says, Mark in Kona says, Clark smells like that fishy odor you detect at low tide. Yes, we all look for cheaper prices. However, that may be a big problem or illegal, depending on where you swim. So please mention the following wherever possible. Hawaii and some countries near the ocean have specific laws about which sunscreen can be used. Hawaii requires reef-safe sunscreen by law because chemical UV filters like oxybenzone and oxy-

• 15:45Speaker 03

  Octanoxide?

• 15:47Speaker 04

  Octanoxide causes coral bleaching, disrupt marine DNA, and harm fragile ocean ecosystems. Other tropical destinations with vital coral reefs such as Aruba, Bonaire, Palau, and US Virgin Islands, and I know in Australia, too, they require that, similarly banned or discouraged these toxic chemicals to protect marine life. Please keep this in mind when slathering that stuff on before entering the water.

• 16:12Speaker 03

  Thank you very much for that post. And I am pretty one-dimensional when I talk about sunscreen. And I, you know, I talk about when this one's rated the most effective, this one's the best deal and all that. And it is true. I never, ever, and you bring it up year after year, Krista, I never talk about the whole chemical side. And so I guess I'm kind of, it's a blind spot of mine. And that's a perfect example about why we're here right now doing this Clark Stinks. So thank you so much. You said I smell like the tide at low tide with that fish smell?

• 16:55Speaker 04

  Mm-hmm.

• 16:56Speaker 03

  I don't smell that well. And I can tell you, that is a nasty smell.

• 17:00Speaker 04

  That's nasty.

• 17:01Speaker 03

  So Mark, thank you so much for that image I now have stuck in my mind. And I want to thank everyone for your posts on Clark Stinks. I appreciate it so much. I appreciate the variety of things. And I appreciate you breaking me out of my habits, you know, and that's one of the things that Clark Stinks does. It kind of shakes me up and gets me to think more thoroughly, wider than I have before. And so if you have a Clark Stinks that comes to mind, go to clark.com/ClarkStinks and post it. Coming up ahead, we're going to talk about baby stinky diapers. Actually, no, we're going to talk about something else

• 17:46Speaker 03

  that's stinky about what's going on with babies.

• 17:51Speaker 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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• 20:04Speaker 03

  Don't miss huge deals dropping every week. Right. I am so timestamping myself, but I remember when for my second and third child, there were these baby monitors. They didn't exist when my oldest daughter was born, at least not that I knew of. And what was a baby monitor? Well, at first, all they were was a thing that was like an amplifier that was like a walkie talkie that you could hear what was going on in the crib. And then the ones were developed with the cameras. And that was great because you know, you could have as a young parent looking at your baby,

• 20:48Speaker 03

  always worried. You could have that monitor there, see how they were doing. Get peace of mind, maybe get a better night's sleep. And then there was a real breakthrough when SIDS became an issue and the monitors were developed that could monitor a baby and save a baby's life. Well, now we are so far beyond that with tools that parents are buying for monitoring your child so many different ways. Their sleep, their health numbers, you name it. And now the industry is moving on to being able to check up on a kid's growth

• 21:33Speaker 03

  milestones and development, their, their development physically, mentally, all that. And these trackers of various types are really in. And with this kind of thing, it starts off with very wealthy families and now has become a thing moving across the population for people with newborns that you start monitoring them from birth. I feel like we're the Truman Show, except instead of people watching all over the world, it's just you watching. But is it just you? And this is the thing I'm more aware of now because of

• 22:18Speaker 03

  what's happened with various databases. When a company goes bankrupt, what happens with the data? And so if you buy a product to monitor your baby, or you buy several products to monitor your baby for different things, what do the terms of service say about who owns the data? What privacy protections are there? And as happened with 23andMe, if the founder hadn't gone and bought the data back in bankruptcy, that data could have been shared with insurance companies, who knows who, that they could start redlining you

• 22:57Speaker 03

  for who knows what reason that they would know from your 23andMe data. So I don't want to throw cold water on a fun party here, but I just want you as a parent to be aware that you don't want to have this medical database that ends up in the hands of prying eyes. You don't want it to be, especially insurance companies, having the data to be able to, in who knows what way discriminate against your child as he or she grows. So the privacy issue is big time for me. Now, having said that, knowing me and how I love

• 23:38Speaker 03

  gadgets, I wouldn't have thought about any of this I'm saying. And my newborn would have had all these things and I'd be looking at them on my phone and saying, oh, look at that. So the heart rates, blah, blah, blah. You know, I would have been just right in the weeds with all this. So the technology's there. Make sure you can manage what it finds.

• 24:04Speaker 04

  Okay.

• 24:05Speaker 03

  I imagine you.

• 24:06Speaker 04

  I would have been all over it.

• 24:07Speaker 03

  Yeah, you would have done it too.

• 24:10Speaker 04

  Paul in Virginia says, I've heard that it may not be safe to use unsecure Wi-Fi at hotels or other businesses. If that's true, how can we protect ourselves?

• 24:18Speaker 03

  So Paul, today, this is actually really easy because if you're staying in hotels a lot or whatever, so many cell phone plans have robust hotspots. And then you're protected from your own hotspot. I always use my phone hotspot. The way mine works is it's up to the amount of data I get per month. So I have 100 gigs of data I can use. I'm never going to use anything near that. And so I never use, never use airport or hotel Wi-Fi.

• 24:59Speaker 03

  Or, you know, I see a lot of people in like a cafe kind of place, they're all tapping away on their computers or tablets. And I assume they're all using the Wi-Fi. Now, there are people that would say using a VPN would provide a decent layer of protection. I'm not going to argue against that. But what I do, I have both a VPN and I use my hotspot.

• 25:28Speaker 04

  Clark in Tennessee says, we had an unusual situation with a travel agent. The final payment for our Alaska cruise was due soon and we could not get a hold of her. We called many, many times, messaged her, emailed her with no response.

• 25:42Speaker 03

  Really?

• 25:43Speaker 04

  After some research, I found out that our travel agent and owner was one person who had unfortunately passed away. I did find her obituary.

• 25:51Speaker 03

  Oh, my goodness.

• 25:52Speaker 04

  I know.

• 25:52Speaker 03

  So it was a one person agency.

• 25:54Speaker 04

  Yeah. Yep. I called the cruise line and they said the final payment had to be made through the travel agent we used. I explained what happened and the one person kept saying that the final payment must be paid through an agent. I asked for a supervisor, then repeated myself. I asked the supervisor.

• 26:11Speaker 03

  Wait, wait, wait, wait. So you tell the representative of the cruise line, the agent's dead. Well, you have to pay it through the agent. The agent's dead. You have to pay it through the agent. Does nobody think anymore?

• 26:24Speaker 04

  I know.

• 26:25Speaker 03

  What happened with the supervisor?

• 26:26Speaker 04

  I asked for a supervisor, then repeated myself. I asked the supervisor to look up her obituary. I was put on hold for a while. Then they came back. They did see the obituary. They asked what I would like to do, cancel or rebook. I said, no, I would like to keep our cruise reservation and pay the balance. They already had the credit card on file and then the balance and final payment was applied to the card. We are good to sail. Somehow I knew the cruise line would not turn down a payment. We booked our own flights and pre cruise hotels, so we are good there. So in future events, if a travel agent goes out of business, disappears, or in my case passes away, what is one to do or what, what should you do?

• 27:05Speaker 03

  Well, I would say that Clark, this is so out there. The lightning that struck is so unusual. I don't think this case lightning is going to strike twice. So it is news of the weird. I wouldn't worry so much about that. What happens more often is the agency goes out of business.

• 27:24Speaker 04

  Well, he did say that. What if they go out of business? What do you do?

• 27:26Speaker 03

  Yeah. So you handled it well. You handled it right. You became your own advocate. You went to the travel supplier themselves. The bigger problem with this always involves the airlines. That if you have a problem, like let's say the, the travel agency closes and you don't go on a trip and you want your refund and the airline sends the refund into outer space because they send it back to whence it came. And you have a hard time getting your money back. I think this is unusual enough that I don't think that there's enough

• 28:06Speaker 03

  else to worry about with planning travel. I'm just glad you advocated well and you're okay.

• 28:13Speaker 04

  Steve in Minnesota says, a thank you to Clark. My family's return flight from SAT to MSP was delayed, so we missed our connection home to RST at 10:00 PM.

• 28:25Speaker 03

  Rochester, Minnesota.

• 28:26Speaker 04

  Okay. Delta offered us hotel and food vouchers, but we just wanted to get home. So we took a 90 minute Uber ride. The next evening, I filed a claim online with Delta for the $127 Uber. It was denied by email within an hour. Then I remembered Clark talking about finding executive level email addresses through Elliott.org. I found an email address and wrote a brief explanation and request for reimbursement. 30 minutes later, at 8:30 PM, I got a phone call from the Delta Executive Customer Service Team saying they approved my request and sorry for my inconvenience. Money already received. Thank you, Clark and Elliott.

• 29:05Speaker 03

  Yeah. So if you're not familiar with Elliott.org, they're a consumer advocacy organization, nonprofit, and they have a list of contacts at big and personal corporations that feels like, oh, you get to talk to at customer no services, robots now. And it doesn't always work, but it's a great strategy. It worked in this case. The funny thing with this for Delta, Steve saved Delta money by them not having to pay for a hotel and meal vouchers and all that. And they should have said, thank you for being so creative. Here's

• 29:44Speaker 03

  your $127 for Uber, because the hotel would have been a lot more than that. So it was just sometimes there's a lack of proper responsiveness at big organizations. And Delta is especially difficult right now on customer service because they're having the operational year from just, it's been a disaster since April at Delta. The marketing people scheduled more flights and they had personnel to handle. And so Delta's having the worst cancellation rate in the industry. I think the worst delay rate. And they're

• 30:28Speaker 03

  fatiguing as an organization when it comes to customer service. I've watched employees, they usually have really great, friendly employees. I'm seeing them lose their tempers a lot because the employees are just under so much stress. And Delta will get it together. And this happened so many different times at different airlines, but Delta's a special case right now. One of the things I'll tell you, if you are Delta loyal, this works with any airline, flying earlier in the day is better than flying later in the day. Delays,

• 31:06Speaker 03

  cruise timing out, cancellations happen to cascade through the day. And flying earlier in the day is important, especially important right now with the operational problems Delta is having. And they're not forever, but they certainly are a real experience right now if you are a flyer. So just know that and boy scout motto, be prepared, or now scouting motto. But thank you so much for joining us today. I hope your weekend coming up is

• 31:44Speaker 03

  absolutely great. Again, thank you. If you have taken time to post a Clark stinks, I really appreciate learning from you. Learning is two ways, right? And what we're all about is learning. Information you can trust, information you can act on that empowers you so that you can save more, spend less, and avoid getting ripped off. And now your assignment? Go have that great weekend and I'll be at your service Monday.

• 32:22Speaker 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.

• 32:34Speaker 02

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

• 32:37Speaker 07

  Now at Kroger, your points add up to more ways to save every trip. Use them your way to take dollars off groceries at checkout or save at the pump. You can even save up to $35 on your next fill up. Same points, more choices. And with low prices on fresh, quality food, plus digital and personalized offers tailored to how you shop, your dollar goes further. Redeem your points online or in the app. Kroger, fresh for everyone. Restrictions apply. See site or store for details.