09.23.26 How To Shop Home Internet / College Savings Strategies

Is Your Internet Provider Ripping You Off? & How Clark Finished College Fast To Save Money Are you still paying the "inertia tax" on your home internet? As giant cable megamergers reshape the market, big providers are steadily jacking up prices on customers who stay on autopilot – just like old landline companies did decades ago. Clark reveals how to break free from the cable monster. Plus, with student loan interest rates soaring and college costs out of control, Clark breaks down the growing trend of 3-year bachelor's degree programs. Drawing on his personal experience of rushing through undergrad to save cash, Clark explains how accelerated and reduced-credit degree options are helping students bypass massive debt, slash room-and-board expenses, and keep their financial futures on track. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the September 23, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Clark Smart Home Internet: Segment 1 Ask Clark: Segment 2 Save On College: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Tips To Save Money on Home Internet in 2026 Report: The #1 Internet Provider in America - Clark Howard Fixed Wireless Internet: Using Your Cellular Service Provider for Home Internet Internet Archives - Clark Howard Mint Mobile Deal: Unlimited Plan & Home Internet for $45/Mo. Your Discover Card Is Migrating to Capital One: What to Expect What's Going on With Federal Student Loans? | NEA The number of colleges getting rid of student debt is growing Home Equity Loan Calculator - Clark Howard When You Should (and Shouldn't) Use a 529 Plan - Clark Howard Best 529 College Savings Plans By State 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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• 0:30Speaker 01

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• 0:42Speaker 02

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• 0:49Speaker 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 to make better financial decisions in your life. And today, something I haven't addressed in a long, long time. How do you shop for your home internet? Also, there's a way to save basically 25% of the cost of college. And it's not a trick, but it's a treat for your wallet. I want to talk about that. I also want to talk about what's going on with student loans right now. Short story, you don't want to use them.

• 1:33Speaker 03

  But I want to talk about home internet. Okay. History is repeating itself and it's crazy. Creatures of habit are getting crushed right now. What do I mean by that? All right, let's go in the wayback machine to the 1990s and the first years of the 2000s.

• 2:04Speaker 03

  People still had home phones, but year by year, more and more people were saying, you know what? I actually never used that thing. I just use the cell phone. And so gradually steadily, the number of people using a home phone line kept shrinking, shrinking, shrinking. So what happened was the companies providing home phone service were gouging the remaining customers. The people that were creatures of habit were being hit with higher and higher and higher and higher bills. And it was a stunner because people who didn't shop around for home phone service were paying

• 2:49Speaker 03

  outrageous prices by about 2010 forward. Well, now in a more compressed timeline, that's happening with home internet. And particularly with people who get internet from the cable monster or their monopoly local phone company. So what they're doing is they'll lure you in with something like an introductory deal. It's good for six months, maybe even a year for your home internet. And then when the six months or year is up, they raise the rates a lot. And then they keep raising them. Could be even twice a year.

• 3:30Speaker 03

  They push the rate up higher and higher and higher and higher because they know that now there's more competition for home internet. There is a segment of the market that lets inertia rule. And if you are that person, if I'm speaking to you right now, where you're just letting Comcast or Charter or AT&T or Verizon or whoever it is that you have fiber from, or you have high speed internet from a monopoly cable company, whatever it is, the cable monster, know that the game they're playing is steadily pushing you to higher and higher

• 4:15Speaker 03

  and higher and higher price points. With the irony being at the same time, there's more and more choice for home internet. There are what are called overwires. That's an inside baseball industry term where independents are coming in and wiring up neighborhoods with fiber to compete against the cable monster and the monopoly local phone company. And they come in with internet that is significantly cheaper than what you're paying to one of the two traditional monopolies. In addition, we've got more and more wireless internet.

• 4:57Speaker 03

  Verizon that I just talked about a second ago with their fiber in areas they don't have fiber, they're offering wireless internet, especially for Verizon subscribers, that's cheaper than what you're paying whoever you're getting it from now. And unless you're doing gaming, you should be fine with the speeds you get with the wireless version of internet from them, T-Mobile or discounters that are now offering wireless home internet. So what's the price differences we're talking about?

• 5:34Speaker 03

  Usually cutting your bill by half or more for people who just want a good deal on internet and you don't need blazing fast speed because you're playing whatever the hottest game is. One of the people you should look at is Mint Mobile, M-I-N-T Mobile. It's fully owned by T-Mobile, a guy named Ryan Reynolds is one of the people who started it. He's an actor, singer.

• 6:03Speaker 04

  Actor.

• 6:04Speaker 03

  Actor. Anyway, see how clueless I am about who's who. Anyway, he's been pitching ads recently for various price points for wireless home internet. Now you tried wireless home internet years ago and it wasn't ready for prime time.

• 6:22Speaker 04

  It wasn't. And finally, you know, I'm moving and I'm looking at setting up my internet. And right now I have fiber and that's not available at my new address. So I am looking at using one of these and it's going to cost me, it looks like around $50 a month.

• 6:39Speaker 03

  That much?

• 6:40Speaker 04

  You think that's too much?

• 6:41Speaker 03

  I don't know. I think you should.

• 6:42Speaker 04

  I'm going to shop around more.

• 6:43Speaker 03

  For 30, 35, 40, 45.

• 6:46Speaker 04

  I mean, there's no gaming going on, but I do stream television. Like I stream Netflix.

• 6:51Speaker 03

  Streaming, you'll be fine with the wireless version of home.

• 6:55Speaker 04

  All right, well, I'm going to be the guinea pig on this then. And you know what we'll do? After we're done with this, you and I will look and you tell me which one I have to go with and I'll try it out. Seriously.

• 7:07Speaker 03

  Wait, no, no.

• 7:08Speaker 04

  Yeah. And I'll try it. I'm willing to try.

• 7:10Speaker 03

  Free labor out of me right now.

• 7:12Speaker 04

  You love that. You love making me save money. You were just sending me furniture links from the wholesale clubs when I was looking for it. Yeah. Okay, you don't have to. That's fine. I just thought maybe I'd, you know, usually I'd take your advice and then I'd do what I want to do, but I'm willing to take your advice and just do it and try it. That's all I'm saying.

• 7:32Speaker 03

  Okay. All right, we'll see. But the thing is, a lot of us are getting billed for home internet, automatic bill. We're not getting a paper bill. They're automatically debiting it usually from a checking account. When's the last time you looked to see what they're billing you now per month? You might really be motivated to shop based on looking at what you're actually paying per month now. Enough said.

• 7:59Speaker 04

  You ready for some questions?

• 8:00Speaker 03

  Ready.

• 8:01Speaker 04

  Okay. Luke in Virginia sent this one in. I recently took the step to cancel my T-Mobile plan, cell phone and home internet. And after the, after the last price hike, I discovered Visible from Clark.com and then went to them for the, on my phone, which is $29 a month. And I found another option for home internet, together lowering my bill by $30 from T-Mobile. When I called T-Mobile to cancel and find out how to return my home internet router, I was told I would still have to pay the remainder of my bill for the month, even though I won't be using their service. I asked to speak to a supervisor and she wouldn't budge. So is this just another example of customer no service? Is there any option to not have to pay for the service that I won't be using? Thank you and keep up the great informative podcasts.

• 8:46Speaker 03

  All right. So thank you for that. And here's the thing, it's going to sound so cynical, but what happens is when you sign up for a technology service, they bill you starting that day. But when you cancel, they say, oh, well, your service stays in effect till your next billing cycle. So they get you coming in, they get you going out. And this is one that's not just T-Mobile. This is pretty much universal now in the technology fields that you pay from the minute you start breathing with them till the moment that last billing cycle ends. So you can look and see when your billing cycle ends.

• 9:31Speaker 03

  And then about four days before it, give yourself time to get the, the cut over done, switch your cell phone, that kind of thing. So you're not double paying for any long period of time.

• 9:43Speaker 04

  Pete in Nevada says, hi Clark, I have two credit cards, one Visa and one Discover. My Visa started out as a state credit union, but over two mergers, Bank of America now owns it. My Discover used to be independent, but was acquired by Capital One. I think I want to get a third card. My credit score is 828 and I want to know if Capital One should be considered or would that now be considered a second Capital One card? And I also want to mention, we've gotten so many people writing in about the Capital One Discover situation and they want your opinion and take on that.

• 10:14Speaker 03

  All right, let me answer Pete first.

• 10:16Speaker 04

  And then maybe throw that in.

• 10:17Speaker 03

  Okay. So I've always said you want at least two cards from two different issuers. You already have that. If the best offer out there is another Capital One, okay to do it because you're still with Bank of America, Capital One. You got, if one of them has a bad day and gets rid of you, you still have credit with someone else. I mean, you could go to a third issuer. You could even go to another credit union that actually issues their own credit cards. But that's more and more rare. A lot of small banks, no longer the branded credit card they have, they're not actually doing it behind the curtain.

• 10:58Speaker 03

  The credit card industry has consolidated to most of it, Chase, Citibank, Capital One, a missing, I don't think Bank of America has big market share. There's one other.

• 11:12Speaker 04

  American Express?

• 11:13Speaker 03

  Yes.

• 11:16Speaker 03

  Those are the four that have captured most of the market share. So let me tell you what's going on with Discover. So Discover has its own processing network. Behind the curtain, the big fight that's been going on is the Visa Mastercard cartel had its own processing network and American Express had its own. Discover, kind of lingering out there, had one. Capital One decided they wanted both ends of the transactions. So they now have the Discover payment network and they have the big Capital One branded

• 11:58Speaker 03

  business and what there was of retail Discover business. Capital One has taken some of the cards that were for the most price sensitive customers and they migrated those to the Discover network, which means that occasionally you're going to want to use it, and especially if you travel overseas, and it won't work. But in the United States, Discover's network, because now it's got Capital One behind it, has really wide acceptance. So there's not as much of a problem with you going to use it. And they say, your new Capital One number, somehow it's not working where it used to work before. That'll be very rare in the U.S.

• 12:42Speaker 03

  But if you travel internationally, they're not doing this for Capital One cards. They assume people will take overseas.

• 12:50Speaker 04

  All right, this one's going to put a smile on your face, Clark. You ready for your first NFL? It's your first NFL question of the season from, I hope I'm saying it right, Ivan in Alaska. Hi, Clark. With the NFL season underway, I have a question. I want to take my son to a Raiders game this season or the next. He is an ardent Raiders fan. I know that it will be an expensive experience. I've seen several empty seats in Allegiant Stadium for several games last season. Last year would have been a good season to watch the game live for less, since their only accomplishment was finishing the first in the draft. I haven't heard you answer similar questions ever. My questions are, first, when is it usually a cheap time to see the game, early in the season or mid-season?

• 13:34Speaker 04

  Two, how far in advance should I look for tickets? Three, what is a good place or website to find the tickets? And four, what is a decent deal for a ticket that Clark would approve? Since I have to travel from Anchorage to Las Vegas, book accommodation, et cetera, I have to book in advance. If it's already too late for this season, I will wait for the next.

• 13:54Speaker 03

  All right, I'm pulling up the home schedule now for the, for them. Okay. Well, this is actually pretty easy. All right. So first of all, do you know why the Raiders are such a hot ticket this year?

• 14:09Speaker 04

  I do not.

• 14:11Speaker 03

  Fernando? Fernando Mendoza?

• 14:15Speaker 04

  Crickets.

• 14:16Speaker 03

  Won the national championship.

• 14:19Speaker 04

  Oh, yeah, yeah, yeah, from Indiana. That's right. Oh, he's with the Raiders. Great.

• 14:24Speaker 03

  So, so that has made the Raiders a hot ticket. Plus, this year, I'm looking at the schedule. Man, do they have a schedule. They play the Chiefs, the Bills, the Rams, the Seahawks, the Broncos. I mean, they, they are playing a real marquee schedule. So you've got a lot of people from those cities that travel, not the Rams as much, even though it's close by. But when I look at it, the games to look at specifically would be the Chargers and mid-December, which is a dead time for air travel. And this is the weirdest, if you're willing to fly Christmas Day, I'm looking here, they

• 15:08Speaker 03

  play the Titans, who are really rivaling the Cleveland Browns for who's going to be the worst teams in the AFC this year. Prove me wrong, prove me wrong through the season. So those games will be cheap. Chargers still have not developed the kind of fan base that'll travel. So I think you'll find the cheapest tickets for those times. And for the thing about flying around Christmas, you fly Christmas Day, you go back like the 28th after the game. Those are not busy travel days. You've got good airfares. Chargers, the 13th, that should be a good time to get a fare.

• 15:49Speaker 03

  And the tickets to go to the games should be really cheap for those two.

• 15:55Speaker 04

  What about Seattle, since it's such an easy commute from Alaska?

• 16:00Speaker 03

  The Seahawks fans, they won the Super Bowl.

• 16:02Speaker 04

  I know.

• 16:03Speaker 03

  No, their fans are all revved up. Those tickets will be really expensive and people always want to see the Super Bowl contender.

• 16:12Speaker 04

  Okay. Sorry, I shouldn't have said a word.

• 16:15Speaker 03

  What do you mean?

• 16:16Speaker 04

  This is your area of expertise.

• 16:17Speaker 03

  You're into college sports. You don't pay attention to the superior.

• 16:21Speaker 04

  Well, now that I'm in, I'm in another NFL pool this season, so I will care on a weekly basis who wins and loses.

• 16:28Speaker 03

  All right, I got big news.

• 16:29Speaker 04

  What?

• 16:30Speaker 03

  I made it through the first week of the NFL season with no NFL Sunday ticket.

• 16:36Speaker 04

  What?

• 16:37Speaker 03

  I'm going to see for, I mean, I've handed NFL Sunday tickets since it started.

• 16:42Speaker 04

  Wow.

• 16:43Speaker 03

  I'm going to see if I can go without.

• 16:46Speaker 04

  Why are you doing that to yourself?

• 16:47Speaker 03

  It's so much money.

• 16:49Speaker 04

  I know, but you don't, this is your joy, like, you know?

• 16:51Speaker 03

  It's so much money. And there's so many games on anyway.

• 16:55Speaker 04

  Okay.

• 16:56Speaker 03

  I've just, well, I've only made it through one week.

• 16:58Speaker 04

  Okay.

• 16:59Speaker 03

  Let's see how many of the 18 weeks.

• 17:01Speaker 04

  Hasn't there been two weeks now? I think there've been two weeks.

• 17:04Speaker 03

  All right, so I've made it through two.

• 17:05Speaker 04

  Look at me knowing that.

• 17:08Speaker 03

  Yeah, you're right. Two weeks down. I made it through two weeks.

• 17:13Speaker 04

  Okay, good job. Good job torturing yourself.

• 17:16Speaker 03

  No, I mean, at some point, they say, get the rest of the season for whatever price. And then the, the season's more interesting, the back half.

• 17:25Speaker 04

  All right, that's cool.

• 17:27Speaker 03

  So we'll see if I can live without it. But you know, at some point, you have to say enough. I can't, I can't spend that money.

• 17:36Speaker 04

  Okay.

• 17:37Speaker 03

  You think I'm out of my mind?

• 17:38Speaker 04

  Well, only because I know you're so good with money. Like, I understand that concept for most of us, but you don't spend any money on yourself. You're very frugal with yourself and you've saved so much over these and you work so hard, something that gives you so much joy. To me, that's what you spend money on, but I understand.

• 17:55Speaker 03

  I don't see how you could say that when I'm wearing my $18 outfit.

• 17:59Speaker 04

  Well, but also the other thing that.

• 18:01Speaker 03

  I made it to double digits on my outfit.

• 18:03Speaker 04

  And the other thing that gives you joy is getting a deal. So I can see how, but you should get it once the deal comes up and give yourself the rest of the season, don't you think?

• 18:11Speaker 03

  We'll see.

• 18:12Speaker 04

  I'll gift it to you.

• 18:13Speaker 03

  No, no.

• 18:16Speaker 04

  All right, well, if you don't get it for yourself eventually, I will gift it to you.

• 18:20Speaker 03

  Don't do that.

• 18:21Speaker 04

  Okay, well, see what happens.

• 18:23Speaker 03

  All right. Coming up ahead, I want to talk about a way to gift a lower college tuition to yourself. That's something people can really get their arms around, right?

• 18:34Speaker 04

  Yep.

• 18:35Speaker 03

  That's coming straight ahead.

• 18:37Speaker 00

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• 20:50Speaker 03

  So I'm going to go way back in the Wayback Machine.

• 20:56Speaker 03

  I went through college in three years when that wasn't a thing. What was really unusual was I did it in three years, spending most of those three years, working full-time, going to college at night. And you'll enjoy this. So it was a flat tuition rate per semester when I was in college. And so if I took extra courses past what was a normal full-time load, they were free. So I was highly motivated to work all day and then go to school four nights a week

• 21:40Speaker 03

  and basically get very little sleep between going to work and going to school. But what it meant was I got through my undergraduate degree in a much faster cycle at a much lower price. I got four years of education in three years for three years' worth of cost. And it really mattered because I had to pay almost all of my own college education. So today, there's now a trend, as college enrollments have been dropping and colleges

• 22:22Speaker 03

  are, other than the largest state universities, are competing against each other for students. Private universities, state universities, they're seeing, in a lot of cases, lower enrollment. So they're looking for something that makes them stand out. And one of the things that's not universal, but is actually happening, is more and more schools are offering the option of a three-year undergraduate degree instead of four-year. Some do it by cutting out electives and all the courses you take are in your major.

• 23:06Speaker 03

  Others do it by having you on an accelerated schedule like I did, taking extra courses each term and getting out in three years. Because when you look at the cost of college, and I've got a son who's a junior in college, and I see what we're paying for his housing, for his food, for just living, wow. Tuition's one thing, and everything else is a whole nother pile of money. And so the three-year cycle makes a big difference. And I love this.

• 23:49Speaker 03

  A number of states are doing it at the state level with state colleges. Generally, they are not the flagship state universities, but they're doing it at their next level down state colleges, where they're offering people the cycle of getting a degree in three years. And so the advantage at a state school is in-state, the tuition's much lower, and you're able to get into your chosen field a whole year sooner. So you go from being a spender to a moneymaker one year sooner. What did I miss?

• 24:34Speaker 03

  Okay, I'm gonna take you back, and you'd have to be older to know this, but there was a movie that was ultra-popular called Animal House. And I remember going to see that movie and not getting it at all. Because what I missed is I missed the fun of college life. College was just a place I went, again, night student, to take classes and go home. It's a completely different kind of thing. I didn't get the go-through-all-the-party cycle and all that.

• 25:17Speaker 03

  And so the movie was like, huh? What? So it's funny, visiting my kids at college and seeing what college life was like for them versus what I experienced. But we're at a point that push has come to shove with costs. I mean, you look, student loans are cost prohibitive now, under the rule changes that Congress put through. The interest rates, the borrowing you can do, all that astronomically expensive. Student loans are not a great option anymore.

• 25:58Speaker 03

  Not that piling on massive amounts of student loan debt was ever a great idea, but now very unfavorable. So anything you can do to be targeted with that education, great idea. Krista?

• 26:14Speaker 04

  Okay, this question came in from Jacob in Pennsylvania. I've recently finished my master's degree, and I'm looking forward to starting work soon. As I continue to plan for the future, I've recently found myself unsure of what to do regarding paying off my federal student loans. The only loans I took out were $13,000 in subsidized federal loans during my undergraduate degree. Because of this, I have not paid any-

• 26:38Speaker 03

  $13,000?

• 26:39Speaker 04

  Right.

• 26:40Speaker 03

  That's great.

• 26:41Speaker 04

  Yeah.

• 26:42Speaker 03

  That's actually-

• 26:43Speaker 04

  Very low.

• 26:44Speaker 03

  Compared to things we hear, that's tiny.

• 26:47Speaker 04

  For sure. Because of this, I've not paid any interest on these loans, and I have the cash available to pay them off in full without touching my six-month emergency fund.

• 26:55Speaker 03

  Wow.

• 26:56Speaker 04

  I'm considering two possible strategies for paying them off. Either paying them off in full before they're due, or paying $3,000 initially and investing the remaining 10 in a 529 account. The 529 contribution would provide me with a state tax deduction, and the funds could then grow tax-free and eventually be used to pay off my loans. Based on the calculations I have run, assuming a 10% rate of return, I would have my loans paid off in seven years and would have approximately $1,200 remaining in the 529 account, which could remain invested for my future children or grandchildren to use someday. I don't normally like debt, so this feels very strange to consider, but I've been thinking about this over the last few days. Please let me know if this is feasible or if I'm absolutely crazy.

• 27:40Speaker 03

  Call you crazy, huh? Don't do it. Just keep it simple in your life. The amount of money, all the calculations you did based on 10% return, you don't know you're gonna get a 10% return on the money. Yeah, you're gonna give up the state tax benefit. Just pay off the loans. Keep it simple. What you would've paid towards the loans can go towards your own Roth IRA, contributing to employer 401K, whatever. This is a case that calls for simplicity. You don't like debt to start with, don't keep the debt around.

• 28:17Speaker 04

  Mike in California says, I love the Clark Howard podcast, and I've been a longtime disciple of Clark. After a recent turn in life's unexpected road, I now find that I'm a mentor to my late fiance's adult children, a job that I have gladly accepted. They're both in graduate school, and they will graduate in May of '27 with substantial student loan debt. They are both financially conscientious and have started to worry about the debt they will face upon graduation. They're aware of the importance of paying down their student loans as soon as and as much as possible. Recently, both have asked me if there are any other things they should possibly consider. I would like your advice on the following. Each of them has two student loans, one subsidized, the other unsubsidized.

• 28:59Speaker 04

  Each of their subsidized loans is 9%, and each loan is for about $200,000.

• 29:05Speaker 03

  Now we're back-

• 29:06Speaker 04

  Now we're back to what we usually hear. They inherited their mother's home, which does have a mortgage, and the balance is about one-third of the loan amount. My question is this, if they could get a home equity loan, say at 6% or 6.25%, would it be beneficial for them to take out the second mortgage to pay off the subsidized student loans and save 2% to 3%? I truly appreciate everything Team Clark does to help consumers stay ahead of the game. #ClarkNation.

• 29:33Speaker 03

  Thank you very much, Mike. All right. So-

• 29:37Speaker 04

  Well, first, I want to say sorry you lost your fiance, Mike.

• 29:40Speaker 03

  That's right.

• 29:41Speaker 04

  It's great that you're there for her kids.

• 29:44Speaker 03

  That is wonderful. So first of all, the home equity loan, getting it right now at six or six and a quarter percent is not normal unless it's a credit union, it's a five-year cycle. They're not going to be able to pay off 200 grand each in the next five years, just not unless they get phenomenal jobs. I would rather, I know this is crazy, but they're in fixed rates at nine. The priority should be just to pay against those loans, not just the minimum. If they get decent jobs, pay more over time because these children

• 30:29Speaker 03

  you're helping out don't yet have all life's responsibilities. So they can dedicate more money towards the student loans. I'd rather them keep it simple with the loans they have. Gosh, both these student loan things are keep it simple, right? And pay on those loans and not mess with the equity in the home.

• 30:52Speaker 04

  All right. And Travis in Texas says, I have a question about saving and paying for my son's college. He is just starting his junior year in high school. I wish we'd started a 529 account for him years ago, but alas, we did not. He does have around $6,300 in a savings account with Capital One that is currently earning 3%. Should I take the $6,300 and put it all in a 529 account? Lastly, he also has a life insurance plan that we have been paying for since he was very young. I don't remember the exact year, but I'm pretty sure we started it when he was around one or two years old and he's now 16. Would we be able to use any funds from the life insurance policy to pay for college? Any advice you could give would be greatly appreciated. Thank you for all you do.

• 31:34Speaker 03

  Thank you very much for that. All right. So, Oriya Junior in high school, moving the money to 529. There may be a state tax benefit to doing the state 529. The money earned over the next couple of years would be tax-free. So that would be potentially worth doing. You go in the expected enrollment portfolio, which will be a very conservative one, kind of like being in a savings account at Capital One. So borrowing against the life insurance policy, this whole life policy purchased when your child was very young?

• 32:14Speaker 03

  Yes. You'll be able to borrow against it at a better rate than a student loan, almost certainly, in order to fund part of the college. It will have to be a very affordable college, though, for the numbers you're talking about to be enough to have a dent in the overall cost of college. So I hope, of all things, that your son is going to go to a very affordable school, it's a state school in the state of Texas. With that having been said, I want to tell you what a pleasure it is to be with you each and every podcast. I love doing

• 32:59Speaker 03

  this and I hope that we all learn from each other. But we have many other ways for you to learn. One of my favorites are newsletters. If you go to Clark.com/newsletter or newsletters, you can see how to sign up for them. They are free and easy. And by the way, if you find, you know, I'm really not using them, make it just as easy for you to unsubscribe as we do for you to sign up. They're free, but priceless. Everything we do is about your empowerment, so you can save more, spend less, and avoid getting ripped off. And see you Friday with Clark Stinks.

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