10.05.26 DIYing to SPEND LESS / Steel Your Heart Against ROMANCE SCAMS

Cut Your Bills by DIYing & Protect Yourself From This Devastating Online Scam "Necessity is the mother of invention"—that classic adage takes on new meaning under today’s cost pressures. High prices are driving many to look for creative ways to stretch a dollar, from scoping out everyday deals to embracing DIY projects. Instead of relying on expensive professionals for every task, leaning into basic home skills, repairs, and crafting can keep hard-earned money in your pocket – and possibly evolve into a profitable side hustle. Also, Clark exposes the dangerous mechanics behind online romance scams. Criminals are using a calculated playbook to target victims of every age group, from vulnerable young adults to lonely hearted seniors. It is critical to stay vigilant, recognize the warning signs, and keep a close eye on friends and relatives to ensure nobody falls victim to these costly emotional traps. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the October 5, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. DIY For Dollars!: Segment 1 Ask Clark: Segment 2 Anatomy of a Romance Scam: Segment 3 Ask Clark: Segment 4 Mentioned on the show: [The WP] As high prices persist, some Americans are cutting back on spending I Made Some Money Selling an Old Digital Camera. Here’s HowHow to Sell Your Stuff on Facebook Marketplace - Clark Howard Facebook Marketplace Scams: Everything You Need to Know Citi Double Cash® Card Review: 5 Things To Know in 2026 Daejon Love case highlights online romance scams: Research reveals scammers’ tactics – and how to defend against them — The Conversation NYTimes: Costco, Kayaks and Netflix: Medicare Advantage’s Perks Get Scrutiny Check These 3 Boxes Before Applying for Premium Travel Cards Best Travel Credit Cards: How To Find the Perfect Fit for Your Spending Unclaimed Money: How To Find and Claim Missing Funds for Free 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

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• 1:05Speaker 04

  I'm so glad you're here with us on the Clark Howard Show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions in your life. Today, I'm going to begin with something that is core to everything I do, helping you find new ways to spend less and maybe earn a little extra money. And later, something that often does not get reported, in fact overwhelmingly doesn't get reported because of embarrassment, is way on the rise, and that's romance scams.

• 1:43Speaker 04

  And they're hitting so many people so hard. Hopefully, I will have useful information for you that you can share with others who you know are in some kind of online relationship. Warning, danger. We'll talk about that later. So, I shared recently a story that I took auto mechanics for nine months when I was in my early twenties because cars were much less reliable then. And I got hit with a big repair bill on a car and I was like, nope,

• 2:27Speaker 04

  nope. And I was working a full-time job. I'd finished graduate school, but I took two nights a week auto mechanics for nine months, just so I would understand what was going on with cars. Cars were much simpler then. And the things that I would be able to do for myself, let me tell you, it was dangerous for me to try to do anything to cars. But I did learn some stuff. And this whole thing about feeling like you need to hire someone for everything, maybe part of the answer is you learn how to do some things

• 3:08Speaker 04

  for yourself. Not the thing that happens where people say, oh, I'm not going to pay the plumber for that, or I'm not going to pay the whoever for that other thing. If you just are winging it, you're going to be a problem to your wallet. You've got to actually skill up. And more and more people are doing things DIY because they've got to conserve money. And I've learned, as I've shared anecdotes from time to time, about how I have looked on YouTube and been able to do something I've not been able to do

• 3:50Speaker 04

  before. It's a project that I tell others, hey, I fixed this myself. I did this on YouTube. And they look at me like, you are so lame. You needed YouTube to know how to do that? Well, yeah, I probably did. Because I'm not normally really good at anything mechanical, but I've been doing more things for myself. And there are things you can do for yourself that will lower costs. Who knows? You might even develop an interest in something that you develop enough skill, get the training, and you have a new part-time gig. Or maybe

• 4:31Speaker 04

  something you realize should be what you're actually doing for a living. You know, a lot of things that we hire others for are things that AI, if you're worried about AI taking your job, AI isn't going to be able to replace them. So, the more you learn, the more you can take care of things potentially yourself, and the more you may create a new money-making opportunity for yourself. And speaking of making money, Krista?

• 5:01Speaker 05

  Yep.

• 5:02Speaker 04

  The closet test. We haven't talked about the closet test in a long time, have we?

• 5:08Speaker 05

  No.

• 5:09Speaker 04

  Go shop your closet. See what's there that maybe you should be selling online. Who knows what it is that you could sell? And one of our kids' friends is really into buying old cameras. Did you know that's become a thing?

• 5:29Speaker 05

  Hmm.

• 5:30Speaker 04

  Old film cameras now have market value. You've got an old film camera sitting somewhere? There may be somebody who really wants that thing, and it could generate money for you. Who knows what you've got in your home, sitting there unloved, forgotten about, that you can turn into money online, or at a flea market, or who knows where?

• 5:56Speaker 05

  I'm a big Facebook Marketplace person too, for buying and selling things for my home. It's been a great thing for me, especially in my move.

• 6:04Speaker 04

  See, I've only ever heard of you buying things on there. You sell?

• 6:08Speaker 05

  No, I've sold things for sure. Yeah.

• 6:10Speaker 04

  Okay. Ever had to deal with anybody who was sketch?

• 6:14Speaker 05

  No, people just flake all the time. Well, you'll get messages from people and you know it's, you know, they want you to ship it or whatever. I only do local, meet in a place, like neutral place, that kind of thing. All right. Doug in Georgia says, hi, Clark. I got hit by a car while biking to work about a year ago. Not knowing how to manage the situation, I used a lawyer to make and manage my claim. It just resolved and the amount that I'll receive from the driver's full 25K liability limit minus the lawyer's cut will make me whole in terms of replacing my bike and covering the amount I spent on medical bills from the accident. I'll get about 14K, and that's just a bit more than I spent out of pocket. My lawyer now wants to pursue more by making a claim

• 6:57Speaker 05

  against the underinsured motorist coverage on my own car insurance policy. She says there's no reason not to. She says it can't affect my standing with the insurance company, and the worst that can happen is that they determine I've been made whole already and deny the claim. I've learned so much from you over many decades, and I'd really value your opinion and knowledge on this situation. Should I ask the lawyer to call off the second claim? I've had a policy with one of your highly recommended insurance companies for a long time, and I have never made a claim. Thank you and your team for the wonderful service you provide.

• 7:32Speaker 04

  Okay, Doug, now you're taking me into something that's principally an ethics question?

• 7:37Speaker 05

  Hmm.

• 7:38Speaker 04

  So, in most states, not all, if you end up making a claim against uninsured, underinsured motorists, the insurer can't cancel, you can't raise your premiums, can't treat it since you were not at fault, is an at-fault claim of any kind. So, on that standpoint, you can look up, just make sure in your state, what state?

• 8:01Speaker 05

  Uh, that's, it was Georgia.

• 8:03Speaker 04

  Georgia. That in Georgia, it's, it cannot harm you in any way. Then you've got the ethics equation to answer. By your own telling, you're already made whole. You have no, from what you said, no ongoing potential injuries that would require, or anything from the injuries that would require further medical expense. Just make your own call on this because you know you've already been made whole. Make your best call.

• 8:32Speaker 05

  Sally in Kansas says, I was using my Costco card for almost all purchases when my sister recommended the double cash back card. It's been a year. I no longer receive the occasional checks in the mail from Costco, which I understand. The awards from the double back cash card seem nominal. We don't travel frequently, but we do eat out a lot. Should I switch back to the Costco card for the majority of my spending?

• 8:56Speaker 04

  So, the Costco card is 3% cash back on restaurants?

• 9:00Speaker 05

  Mm-hmm.

• 9:00Speaker 04

  So, using, maybe this is Citi Double Cash, I don't know.

• 9:05Speaker 05

  I'm not sure which one.

• 9:06Speaker 04

  But that's 2%. So, your sister is cheating you out of a big share?

• 9:12Speaker 05

  No, she's trying to be helpful. I'm sure.

• 9:15Speaker 04

  Just teasing. But the Costco card, if it's all about eating out, would be a better choice, which is also a Citibank card.

• 9:24Speaker 05

  Mm-hmm.

• 9:25Speaker 04

  Would be better than Double Cash.

• 9:27Speaker 05

  Ken in Georgia says, I just bought two 17E iPhones. Why would I buy a charger and cords from Apple for $30 or $40 when I can buy them on Amazon for 15 or 20? Does it really matter that I use an Apple charger? I just teed you up for that, Clark, because I know you're going to love this one.

• 9:47Speaker 04

  You think so? Well, actually, there are a lot of UFO chargers for sale on Amazon that could potentially harm.

• 9:57Speaker 05

  Oh, wow. Okay. I didn't know that.

• 9:59Speaker 04

  Yeah. So, you want to be careful which brands you buy. And a lot of the tech websites write reviews of various chargers. I shocked you, didn't I?

• 10:11Speaker 05

  Would you say that about Android too?

• 10:12Speaker 04

  Yeah, same thing for Android.

• 10:13Speaker 05

  Oh, my gosh. I'll just buy any generic charger.

• 10:18Speaker 05

  As long as it's a C.

• 10:19Speaker 04

  A three alarm fire at Krista's house. No, you gotta be, you gotta be careful with the third party because a lot of it is stuff that comes from, well, I'll just say it. They come, most of these come from China. Some of the sellers are not reputable. Others are just fine. There are certain brands.

• 10:39Speaker 05

  Reviews probably, right?

• 10:41Speaker 04

  Well, you can't follow the reviews on Amazon. That's why you want to look at the reviews on various tech sites, CNET and their competitors, to see which third-party chargers are good and safe. Spending the money for branded, like I use a Samsung phone, we're talking about iPhones here, buying from branded Samsung stuff is a fortune. And same thing for Apple. So buying third-party, but reputable third-party is a good idea. Just buying any third-party, not a good idea. You know what else I learned it with? The, I use USB-C to USB-C.

• 11:25Speaker 04

  Some of those cables I bought aren't worth anything. They were cheap and they weren't worth that.

• 11:33Speaker 05

  Wow.

• 11:34Speaker 04

  So buying a decent cable is going to get you the rated speed of charge. Some of the others aren't. You know, it's funny, Samsung now has, and maybe Apple does this too, when you plug in a really crummy cable, it'll tell you.

• 11:51Speaker 05

  Oh.

• 11:52Speaker 04

  It's a crummy cable. They don't use those words, but they pretty much tell you. See, I always surprise you.

• 11:58Speaker 05

  You do, you do. I've been cheaper than you about this and probably to my detriment.

• 12:03Speaker 04

  Well, not so far.

• 12:05Speaker 05

  We'll see.

• 12:06Speaker 04

  Okay. Coming up ahead, we're going to talk about something that's way to somebody's detriment, getting scammed in the heart and the wallet at the same time in romance scams that are perhaps the fastest growing scam category there is.

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• 15:22Speaker 04

  I gotta talk straight out about this. Romance scams are affecting people of every age group. You'd think, how would somebody in their twenties get ripped off in a romance scam? You know, how does that happen? Because it's an age group that does so much online, it's completely natural, they might enter into a relationship online, a virtual, where they're not actually meeting the person, but over time could fall in love. Happens very heavily in people that are older, that may be lonely, among the elderly, you name

• 16:03Speaker 04

  it. Romance scams do not discriminate based on age. Criminals do them because they're patient and they work. Do you know there are now professional scam centers, staffed by people who are trained in classroom settings, how the scam that they're going to implement is going to work? And they'll be running a scam with many, many people at the same time, pretending to be something they're not, with fake pictures, who knows what, fake

• 16:42Speaker 04

  backstory, whatever. And so there are certain traits that researchers have identified that are warning signals, that are common among almost every romance scam, and they all have little differences or tweaks on the method of operation, but it's pretty much a playbook now. And most of the times people get scammed, you don't even know, law enforcement doesn't know, because people are too embarrassed to even tell their loved ones, or tell their

• 17:24Speaker 04

  best friend they're getting scammed. But it all starts with a very friendly, chatty person who appears to be attractive in every way, not just looks. They're always complimentary. They're, they're that person who's always there for you, always complimenting you, being your best cheerleader, and they're willing to take months, months of grooming you. I got a call from an old friend who said, I gotta tell you a story, and went through

• 18:03Speaker 04

  this person they'd fallen in love with. And he said, I kept having you in my head saying, be careful here, be careful here. And he said, and just like you said, they asked for money. What do I do now? And I said, well, have you ever actually met this person in person? Of course, I knew the answer was no. And you know, you don't know if the person is anything like described, usually not. And in times where you never see them or talk to them, you don't even know if you're really talking to a male or female.

• 18:44Speaker 05

  Well, and sometimes, like I saw a documentary on this, it was men who were scammed by, it looked like a woman, and they would do live video chats, but the woman was, you know, in a group of people that were having her be the face of the operation. And so, you know, unfortunately, you can't even trust that, you know?

• 19:06Speaker 04

  So this is a serious thing that has mushroomed because it's worked so well for the criminals.

• 19:13Speaker 05

  I mean, they look at death notices in newspapers and they go after widow, widows and widowers.

• 19:20Speaker 04

  So just know this. This can go on as long as they think they need, till you fall in love. And love is, is great, but it's not necessarily rational, right? And then the manufactured crisis. A relative's been in a car wreck, or whatever the story is, my kid needs an operation, whatever it is. And then it's all about creating that sense of urgency, and you are the one who's going to save the day. And you send them the money. And then you realize later, oh no, they found me at my most vulnerable and

• 20:05Speaker 04

  they cheated me. Watch out for your friends, watch out for yourself, and watch out for your relatives. And there are times you're gonna have to step into it and say to them things that they're not going to want to hear from you. But you don't want to be later one who says, oh, I knew that was not real. And it's too late. The money's already gone.

• 20:33Speaker 05

  All right, we'll go to questions now. This one's from Roman in Washington. Costco is getting into the Medicare Advantage game. Clark has many times said that the Advantage Plans are disadvantaged plans, but Clark also loves Costco. So how do you feel about Costco offering these plans?

• 20:50Speaker 04

  Freaked out, freaked out. I don't like that Costco's doing it. I don't like the idea of disadvantaged plans. People love disadvantaged plans till something goes wrong with their health and they, the chips are down, they need care. And then the disadvantaged plan is all about denial. In fact, that's something I want to talk about on a future podcast because there's new data about the games that Advantage Plans play, not caring if they cost your health or your life to save them money. So Costco getting involved in disadvantaged plans is

• 21:32Speaker 04

  an experiment, not going to soft pedal this at all, but fortunately, I think it's only in two states. I wish it was in zero states. And Costco, do you know what you're doing here? You know who you're messing around with? I don't like it.

• 21:49Speaker 05

  Joyce in Georgia says, since my husband and I never had a debit card before, we felt they were not safe, i.e. if lost, anyone could use them without a PIN. We got one when we realized we could lock and unlock it as needed. We thought by using a debit card, we would avoid paying the credit card fees now being assessed in so many of our credit card purchases. We use our card for almost everything. Now we're finding fees being added to both credit and debit cards. With many vendors and businesses now not accepting cash, with the fees on both debit and credit cards being assessed, what the heck are we supposed to do to pay for things for the price they are marked without having the additional fee attached? It's crazy.

• 22:28Speaker 04

  Okay, so this is such a problem because of the Visa, MasterCard cartel, and the corrupt Congress we have doing the bidding for the banks. We have the highest credit card processing fees in the world. I've never found anywhere in anything I've ever read that has outrageous fees like we have. So if I'm a business, a restaurant, retailer, whoever, I've got to now pass on these fees because there, it's like reverse bank robbery. The banks are robbing the stores and the restaurants with the massive cartel fees. So there is

• 23:13Speaker 04

  a law that controls what the fees are on debit cards, but only if used as a debit card.

• 23:22Speaker 05

  With a PIN.

• 23:23Speaker 04

  With a PIN. So you should see, unless a business is getting this wrong, if you're clearing it as a debit, where you insert your card and then you punch in your usually four-digit code, you should avoid the huge fees that now so many retailers are passing on to customers. So I hope that that is the story here, that you're not using the debit card with a PIN. Start using it with a PIN and see if the fees go away or go to almost nothing.

• 24:00Speaker 05

  But your basic answer is, we have to pay these right now.

• 24:03Speaker 04

  Right now, we do because we'd have to deal with, I mean, the corruption involved in Washington with politicians taking all this money from big companies is creating a stacked deck in the United States. We need to fix this.

• 24:21Speaker 05

  David in Pennsylvania says, years ago, we took advantage of an incentive travel card that included airport lounge access. Being let into this exclusive little world, we felt like the other half. Complimentary food, wine, cocktails, drinks, without money changing hands. It's the only way to fly. We look forward to airport lounge time during our travel. For the life of me, Clark, I can't figure out the business model of these lounges. Where does the revenue come from? I don't want to venture a guess on the retail value of the drinks and the food just for me and my guests for one leisurely stay. It feels free to me, but I know nothing is free. So how do the lounges make money?

• 24:59Speaker 04

  Okay, the annual fee on the Chase Sapphire Reserve, what is it, $795? Something like that. That's where it's about. So the travel credit cards, the premium travel credit cards, charge these annual fees and then throw out these benefits of the lounges and the other things that come with them so that there's perceived value. I was in Capital One Lounge just a couple of days ago, and I had the greatest lunch ever. And I'm looking out, beautiful lounge, I'm looking out at the runway, and I was in New York, I was looking at the water beyond, and it was like, wow. And then I'm thinking, wait a minute.

• 25:40Speaker 05

  You said you had great food. You texted me. You were so excited.

• 25:43Speaker 04

  The food was so good. The service was great. And you don't pay a bill, you walk back out. But I prepaid it with the $395 annual fee.

• 25:57Speaker 05

  So they'll usually give you a pass, like Priority Pass, or they are paying, well, in that case, they're paying for the lounge.

• 26:03Speaker 04

  Priority Pass is different. This is their own lounge.

• 26:04Speaker 05

  Yeah.

• 26:04Speaker 04

  More and more people are going to credit card companies' own lounges instead of the Priority Pass.

• 26:10Speaker 05

  But if it is Priority Pass with a credit card.

• 26:11Speaker 04

  So they get a fee from?

• 26:13Speaker 05

  From the credit card company.

• 26:14Speaker 04

  Right. So they're reimbursing them, whatever the rate is for reimbursement, which I don't know. I've never looked to see what that is behind the curtain. But yeah, it's, it's not free. You're paying for it. And you know what they count on? Most people get those cards, think they're going to travel a lot more than they do. And so if you're not traveling like a maniac like I am, these cards don't pay off. You've got to really travel to make these cards work.

• 26:48Speaker 05

  Okay, a quick story from Chris in North Carolina. Hey, Clark, we're always checking unclaimed cash websites, like you mentioned. We found one recently, my wife's maiden name from 10-plus years ago from the cable company for $66.42. Since I had to provide documentation proving that was our address from 10-plus years ago, I found her expired ID from before we were married and combined it with our marriage certificate, proving her name had changed. They didn't approve it at first, but finally, after almost 12 months, I got an email this week that we were getting back our $66. I thought I'd share about all the hoops you have to jump through for that money, but also because my wife told me that this sounded like something Clark would do, so I had to share. Thanks for all you do.

• 27:31Speaker 04

  You know, sometimes you spend a lot of time with trying to process an unclaimed property claim, and it's not worth it at all. We had a post recently about a dollar one. And then other times, it turns out to be very valuable. It can be many thousands of dollars. So it's a bit like a box of chocolates when you file these things. But the chocolate, you just pull the chocolate out of the box and you eat it and you like it or you don't. Unclaimed property claims are some work, and I don't want to sugarcoat that. You can find it, missingmoney.com or unclaimed.org. Those are the two legit sites

• 28:13Speaker 04

  where there's money hanging out there for you or a family member. But that's just the beginning. That's when the paperwork battle begins and then hopefully ends when you get your money. Thank you so much. And I don't know, what'd you do with the 66 bucks? Hope it was something really fun. And I hope that you have, speaking of fun, have a great rest of your Monday and look so forward to being with you through the week on Wednesday and on Friday with our podcast and YouTube show. But all week long, we're here, so many

• 28:53Speaker 04

  different ways to serve you. On our websites, clark.com and clarkdeals.com, our newsletters that I love. I cannot wait to open one of our newsletters because they are so well researched, so well-written, and will so empower you, because that's what we're all about, is empowerment through knowledge. So you can save more, spend less, and avoid getting ripped off. And go have a great rest of your day.

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