10.07.26 Interest Rates: Both Sides Of The Coin

Interest rates are up, and Clark addresses how to maximize savings, and what mortgage rates mean for the housing market. The giant monster mega banks are paying an insulting 0.01% on savings accounts, essentially a zero return. What rate should you be looking for elsewhere? Meanwhile, the housing market shifts yet again as 30-year mortgage rates hit 7%, crushed by geopolitical instability and inflation. However, there’s a clear silver lining for potential buyers: high rates have stalled the market, forcing sellers into price cut capitulation. If you can afford the monthly payment, buying at a significantly lower purchase price now and refinancing down the road when rates drop is an enormous long-term advantage. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the October 7, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Save More - Shop Bank Rates: Segment 1 Ask Clark: Segment 2 Mortgage Rates & Housing Capitulation: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 5 Places You Can Get 4.5% or More on Your Savings Right Now 16 of the Best High-Yield Online Savings Accounts in October 2026 High-Yield Savings Account (HYSA) Calculator How To Open a Roth IRA 5 Free Streaming Services All Cord Cutters Should Have 6 Things to Know Before You Rely on Free Streaming TV High Mortgage Rates Are Pushing Home Prices Down: Here’s the Silver Lining for Buyers Mortgage Refinance Calculator – With Cash Out and Points Credit Score Guide - Clark Howard Capital One Venture X Rewards Credit Card: 6 Things To Know 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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• 1:02Speaker 02

  My pleasure to welcome you here to 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. And interest rates are up! And that's terrible if you are a borrower. But if you're a saver, oh, don't let this opportunity pass to make your money work harder for you. I'm going to talk about both sides of this deal and what that means for you. And then, later, I want to talk about how you turn higher mortgage rates to your advantage as a buyer. Yeah, that's a riddle, right?

• 1:47Speaker 02

  Well, I'm going to solve that riddle for you later in today's podcast and YouTube show. But right now, I want to tell you, I looked at what the nation's biggest giant monster mega-bank is paying on savings accounts right now. You ready? I mean, it's an eye-popping number. I mean, I just want you to think about how rich it's going to make you over time as a saver. Chase, by far the nation's largest bank, I assume the largest bank in the world, is paying savers 0.01%. I mean, an insult to your intelligence! And they're not alone.

• 2:31Speaker 02

  If you look at what the big banks pay in savings, it's essentially zero on your money. And there's huge numbers of hundreds of billions of dollars, maybe past a trillion, that people have sitting in these savings accounts with the big banks that are just laughing behind your and my back, ripping you off at a time that savings accounts are earning, if you shop around, a full interest point higher than they were earning just a few months ago. So today, without a heavy lift, you can move your savings, generally with an online

• 3:15Speaker 02

  bank, but it could be a credit union, could be a small community bank, you can now earn 4.5% on your idle savings. And you don't have to be someone with huge money to earn this, no. Actually, a lot of these savings accounts, you need a dollar, or $50, or $100, or whatever it is, and you're earning 4.5%. When's the last time you looked to see... Let's say you have a high-yield savings account, as they're marketed. When's the last time you looked to see what they're actually paying right now? And what I want you to be earning is the target of 4.5% or more. Now, let me tell you what's going on behind the curtain.

• 4:00Speaker 02

  The world has lost faith in the US government and the spending by the US government. And so, the reckless spending that we're not paying for, increasing the debt of the United States, and the deficit we're running right now, has made the big players around the world say, "We don't trust the US anymore." So, the interest rates that the federal government is having to pay to finance the debt that they sell in treasury auctions, going up, up, up, up, plus the inflation problem we have.

• 4:41Speaker 02

  So, that has led to interest rates overall moving up. The mortgage rates, which you pay on home equity line, which you pay on a credit card, pretty much anything you're borrowing money for. So, the other side of the equation, savers should earn more. And if you are someone who has a good bit of money, the real opportunities may be for you in the treasury market, or in municipal bonds, if you're in a really high tax bracket. This is a time you don't just sit on your hands with your savings.

• 5:20Speaker 02

  From modest amounts to big amounts, you need to actively manage how that money is working for you and overcoming inflation. And as for the US... We're all responsible for the fact that the government is spending money willy-nilly it doesn't have. Because ultimately, it's a reflection of you and me as individual citizens. And this spending is so harmful to the future of the United States. And it's harmful now in the present. We've got to behave ourselves. What do states have to do? States have to spend what they got.

• 6:04Speaker 02

  That's the law in almost every state, that they have to run a balanced budget. And the time's way past for that kind of financial discipline to be imposed by us, on us, at the federal level. Enough preaching.

• 6:22Speaker 03

  Okay. All right, we'll go to some questions. This one came in from Mark in North Carolina. "Hey Clark, new listener here and enjoying learning from you. My 17-year-old daughter got her first paying job over the summer and has made..."

• 6:36Speaker 02

  Wonderful.

• 6:36Speaker 03

  "Yes, and she's made a little over $1,500. I would like to get her started in thinking about finances and investing now. My question is, what would be the best option for saving or investing at least half of this amount? We're members of a local credit union, along with Bank of America, but the savings interest rate for Bank of America makes me think there are better options. Keep up the good work."

• 6:59Speaker 02

  Oh, I love how you said that.

• 7:01Speaker 03

  Yeah.

• 7:01Speaker 02

  Because what they pay stinks! Okay. So, actually, at 17, what I really want your daughter doing is to open a...

• 7:12Speaker 03

  Everyone say it together!

• 7:13Speaker 02

  Roth IRA! Yes! And you don't do that with the credit union or with Bank of America. You do this with one of the low-cost companies, Fidelity, Schwab, Vanguard. That was three different companies, by the way. I said that like it was one company. The Unofinancial Company. Anyway, you open the Roth IRA, or she opens the Roth IRA, and then the beauty is, that money grows tax-free for the rest of her working life. And doing it at 17, the impact over the decades, unbelievable.

• 7:56Speaker 02

  And at Clark.com, I have a simplified guide for your daughter to read that'll walk her through how the Roth works, how to open it, and what's the easiest investment to put it in, target retirement fund for the year closest to when she'll retire. And it's fantastic. And if you are a means that you can match what she puts in as an incentive, just as long as it's not more than she earned, the 1,500, wow. I mean, it's like, I call it the mommy-daddy match, kind of matching the employer match that people have in a 401K at a lot of places.

• 8:39Speaker 03

  Mike in Kansas says, "What services, other than cellphone plans, offer free streaming?"

• 8:45Speaker 02

  So... I'm not sure what you mean. Do you mean that you got free streaming services with it? Like T-Mobile does the things, Verizon? I don't know if AT&T does any of those.

• 8:56Speaker 03

  I'm not sure.

• 8:57Speaker 02

  So some of the shopping services.

• 9:00Speaker 03

  And credit cards, right?

• 9:01Speaker 02

  And credit cards. That's right. So it really is about my, what credit cards you have? Do you have an Amazon Prime membership? Do you have a Walmart Plus membership? Anything like that, you have the free streams. But my favorite, fast, free, ad-supported television. And Krista, I gave this answer to a question about two months ago. What is the fastest growing streaming service that's free?

• 9:32Speaker 03

  Is it, which one is it? Tubi?

• 9:34Speaker 02

  Tubi of the ones we call fast, but the curve ball I did two months ago, YouTube.

• 9:42Speaker 03

  Oh, that's right. Yes.

• 9:43Speaker 02

  People are watching YouTube. Lights out. There's so much content available on YouTube for free.

• 9:50Speaker 03

  Not YouTube TV, but YouTube itself, right?

• 9:52Speaker 02

  YouTube itself has become a huge time suck for people who are looking for video content. And so they're spending more and more time there. But be careful. Every time you go to YouTube on a TV, they're going to try to trick you into signing up for some kind of YouTube premium thing that you pay for, that I don't even know what it does for you.

• 10:15Speaker 03

  You have no ads.

• 10:16Speaker 02

  Well, watch the ads. That's the whole idea of free ad-supported television. Watch the ads. Save your money.

• 10:24Speaker 03

  Okay. Don in California says, my wife and I paid for our 23-year-old daughter's aviation degree, private pilot license, instrumental rating, and first-

• 10:33Speaker 02

  Instrument.

• 10:33Speaker 03

  Instrument rating, and first 250 flight hours. So she's made it this far, completely debt-free, and is currently working two jobs in aviation and training. She now needs her commercial, multi-engine, and CFI ratings with the goal of eventually flying for the airlines. Continuing to fund her training would mean reducing our retirement savings. Would you recommend she take out an aviation loan to finish her training? And if so, how much debt is reasonable, or should we continue helping at the expense of our retirement?

• 11:06Speaker 02

  So, Don, you know, I'm very familiar with this path because our youngest child, our son, is two years younger than your daughter, also has that, has his commercial at this point, but he's still got more to do to get his ATP. That's where you can fly for the airlines. And he's got about 400 and something hours. So you have to have 1,500 unless you go to certain schools where you only need 1,000 hours of flying. And that is crazy expensive. And so you've done so much. She's now 23. She's working these two jobs in aviation. I would say her priority, if she has to borrow for it, she has to borrow for it. The, the

• 11:50Speaker 02

  pay in aviation is so good, you know, it's like, she's like in a hazing process. And then you get to the point where you start making money. And what a lot of people do, Don, is they go ahead and get their CFI. That's where your flight instructor, certified flight instructor. And then you're able to get your hours and get paid, not very much in hour, but you're getting paid instead of having to pay for those flying hours. So you're getting to your 1,000 or 1,500 as a CFI. That, instead of being a cost, will be a little bit of income for her. And then at some point, the multi-engine, it's a short training cycle.

• 12:34Speaker 02

  It's pretty expensive for that booster shot of having the multi-engine. But I think she'll be able to handle it from here. And I want you to go back to focusing on saving for your retirement. I certainly don't want you to spend money you save for retirement to get her to that finish line. Now at 23 and with what you've already done, it's her turn. She's not going to like me very much. But we've been having a number of these discussions with Grant about, because he still doesn't have his CFI or his ground instructor rating. And I'd like him to start doing things where what he's already learned generates money. What do you think, Grant?

• 13:19Speaker 02

  Coming up ahead, I want to tell you the crazy upside of the downside in how mortgage rates have gone up, up, up, not yet away, but they're up. How could there be an upside? I'll share it with you straight ahead.

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• 16:32Speaker 02

  So the mortgage market was getting better before the war in Iran started. Rates were starting to pop into the upper fives. 15-year mortgages for refi were in the lower fives. Now that's like ancient history, and mortgage rates have reached a point where they're the highest they've been in 15 or so years. They could go higher from here. There's the stuff I mentioned earlier about the federal budget deficit and inflation. But here's the strange thing. There's an actual silver lining for buyers, not for sellers, with

• 17:14Speaker 02

  what's going on with mortgage rates going up, because the housing market has flat-out stalled out. And price cuts are the order of the day. City after city, I'm seeing reports of price cut percentages where people in huge numbers put a house for sale, what they think it's worth, and are having to turn around and cut the price of the home, maybe even repeatedly. You know, it's funny, because real estate agents went through years of, if they did do any price cut, it would say, "Price adjusted," or some phrase like that.

• 17:55Speaker 03

  Price improvement.

• 17:56Speaker 02

  Price improvement? They never, I haven't seen that.

• 17:59Speaker 03

  I've seen that.

• 18:00Speaker 02

  They never wanted to say price cut. Now I've noticed, when you look on Realtor, Zillow, or anything like that, what do you see? You see a big, red, bold, "Price cut, $80,000, $25,000, whatever." It's like, "Buy it now, please." So the reality is, if I'm a buyer, and I've got to take out one of these awful mortgage rates- If I can handle the payment, being able to buy the property at a lower price than it would have been a year or two ago is an enormous advantage. And there's a certain number of sales each year that are have tos.

• 18:45Speaker 02

  So people have to cut to what the market will pay. They can't pull it off the market. Could be a relocation, could be somebody going into assisted living or something like that. Somebody passes away sadly.

• 18:57Speaker 03

  Divorce.

• 18:58Speaker 02

  A divorce. Any of these circumstances, the house becomes a have to sell. So there are wounded ducks out there. The number of foreclosures is rising across the country after years of us having basically no foreclosures of any amount. So this is a buying cycle we're moving into. And as I said months ago, I thought the sweetest spot with that is going to be next year. And that's a cycle called price capitulation, where the marketplace in a micro market in a large metro area or in an entire metro area says, oh, it was worth that. That doesn't matter anymore. This is what it's worth now. We're going to price realistically.

• 19:42Speaker 02

  So you buy a home at a lower price, but a higher mortgage payment, if you can afford it. And then the economic cycle turns, either through recession or us getting our act together, and the interest rates come back down a meaningful amount on mortgages and you refi.

• 20:01Speaker 03

  Can I ask a question?

• 20:02Speaker 02

  Sure.

• 20:03Speaker 03

  Is this a good time to do an ARM?

• 20:05Speaker 02

  So you know, I'm always terrified of ARMs.

• 20:07Speaker 03

  Adjustable rate mortgage.

• 20:09Speaker 02

  Yeah.

• 20:10Speaker 03

  You pay a certain rate. If it's 7.1, you pay it for seven years.

• 20:12Speaker 02

  Or 5.1. And you get, you'll save like a point, interest point. Right now, the rates on the 10-year treasury that have so much to do with mortgage rates has really gone up. So unless you can get, I'd say, a full point lower interest rate, then don't do the ARM. But if you can get a 5.1 ARM or 7.1 ARM, a full point lower or more than what the prevailing rate is, then this would be a time that it's worth the risk of doing the ARM instead of a fixed rate. So that is true. And then here's another truism.

• 20:52Speaker 02

  In almost every market in the country, it remains much more affordable to rent than to buy right now. So even though I'm saying that the interest rates going up has had the effect of pushing home prices down, the effective cost is still in most places much lower to rent than to buy. So this, if you do want to buy, it needs to be for a long-term play, and then you'll be fine eventually because of inflation, having bought at a time that renting is cheaper or emotional. Because for a lot of people, a home is very emotional.

• 21:36Speaker 02

  I mean, my wife and I laugh about that because to me, a home is just where I'm sleeping at that moment. I don't get any emotional or sentimental attachment ever to a home. And for her, a home is very important. You know, it's your nest. It's your place. And so that would be a reason, if you can afford it, to do it. So there's both the practical and the important, psychological or emotional.

• 22:07Speaker 03

  I just went through this. I just sold my house and I'm a renter now.

• 22:11Speaker 02

  And?

• 22:12Speaker 03

  I'm kind of enjoying it. I like the idea of just renting for at least a couple of years.

• 22:16Speaker 02

  You know, the best part about being a renter?

• 22:18Speaker 03

  What?

• 22:19Speaker 02

  Oh, something went wrong with the water heater.

• 22:21Speaker 03

  Oh, it's the best.

• 22:22Speaker 02

  Hello landlord, something's wrong with your water heater.

• 22:25Speaker 03

  It's the best. It's the best. And I did, and the reason we sold the house was because we were thinking in the spring, but there was no inventory in the neighborhood where the house is. And so it seemed like a great time, and it turned out it was. We had like a few people who wanted it right away. So got lucky there. All right.

• 22:45Speaker 02

  I was thinking about how I'm down, think about how many investment properties I used to have. I'm down to one.

• 22:52Speaker 03

  Mm-hmm.

• 22:53Speaker 02

  Wow.

• 22:54Speaker 03

  All right. Cheryl in Massachusetts wrote in and she said, I'm about to sell my home and move into an apartment. After the sale, I will no longer have a mortgage, and I also plan to use a portion of the proceeds to pay off my car loan. Once I do that, my only revolving credit will be a couple of credit cards that I pay in full each month. Should I be worried about my 840 credit score tanking? I do want to stay in the exceptional category because I may decide renting is not for me. And perhaps I'll want to secure a mortgage in the future. How can I preserve my good standing?

• 23:26Speaker 02

  Your good standing will be just fine. You pay your balances in full on your credit cards, and you're probably having very low utilization. That's the percent of your available credit you're using. You're good. If you're at 840 now, 850 is a perfect score. You're a whisker from total perfection. You're golden. And your credit score, even though you won't have an active mortgage anymore, your credit history is still there. You're just fine. And if you look at the nonsense the credit bureaus say about, well, you know, variety of credit and all that, what the lenders are really looking for is they want to know

• 24:07Speaker 02

  you pay your bills on time every month and how responsible you are with the credit that is available to you. You will maintain a great score. I haven't had a mortgage a long time, maybe two decades, something like that. And my credit score, the most recent one I saw on FICO, which is the most established credit score, is 806. That changes constantly, but I'm just fine with having just revolving credit.

• 24:41Speaker 03

  Emily in Michigan says, I bought a condo two months ago with 20% down, thanks to your money wisdom. Now that I'm settled in, I want to apply for a credit card to get a signup bonus so I can start racking up points for my upcoming honeymoon to Austria.

• 24:56Speaker 02

  Congratulations.

• 24:57Speaker 03

  Yes. I applied for a card. I have an 810 credit score, but it went down to 780 because of the mortgage. And I was denied because I just added a lot of debt due to my mortgage. How long do I need to wait to apply for a credit card to get approved? Thanks for all you do. I started listening to your podcast at 20 years old. I'm 33 now and have a hefty retirement account after 13 years of listening to your advice.

• 25:21Speaker 02

  Okay. So twice you credited me for what you have done. And phenomenal to you for, in your 20s, having saved enough money that you were able to pay 20% down on a home, you now have saved all this money for retirement. And the person who did that is the person you see in the mirror. So congratulations to you. As to being denied for that credit card, I treat that as a one-off. There was one issuer that decided you didn't fit their profile. Another issuer may be just fine with you. And if you're looking for your first card that you accumulate points on, I believe

• 26:03Speaker 02

  the best one out there for a starter premium card is the Capital One Venture X. They've reduced some benefits, but I keep waiting for them to follow Chase and American Express, raising annual fees to about $5 million a year. No, it just feels like it. They have stayed at 395, and you get 300 of that back as a travel credit. So it has a net annual fee of 95. Everything you charge earns a minimum of 2X. See if you can get that one. That would be, to me, the best idea. And I want to say something about, have I talked about how Chase is looking at giving people what are known?

• 26:48Speaker 02

  You know what second looks are?

• 26:49Speaker 03

  No.

• 26:50Speaker 02

  So I've not talked about that?

• 26:52Speaker 03

  Not that I remember.

• 26:53Speaker 02

  All right. Gosh, I forget what I've said and what I haven't said. It's like up here in this machine that runs out of space.

• 27:00Speaker 03

  You do TV, you do radio, you do all sorts of stuff besides the podcast, so.

• 27:04Speaker 02

  Yeah. So who knows where I've said something? Okay. So Chase is apparently, leaked out in the financial press, is working with private equity houses where you might get declined for a card internally by Chase, but before they send you the decline, they're going to see if some private equity house is willing to take on the risk for you. So you'll have a card issued by Chase if this, what's being reported is actually what's happening. Well, you could be internally turned down by them, but still get that Chase card where a private equity house is taking on your risk, where Chase decided you were too

• 27:47Speaker 02

  hot to handle for them. There's all kinds of stuff going on right now in the credit card market that approvals, denials may work in a different way in the future.

• 27:59Speaker 03

  Interesting. Okay. This is not a consumer question really, but a couple of people actually wrote in with this sentiment. So I wanted to read this one from Paul in New York. Hi, Clark. Like you, I'm an avid NFL fan, but it's recently been reported just how extensive the brain trauma is for football players. And this has made me rethink my dedication to watching this inherently violent sport. It's the same reason why I don't watch boxing. I'm just wondering if you've given this any thought?

• 28:27Speaker 02

  Yes, I have. And, and we've had this sentiment expressed by people every football season when I got all excited about the NFL being underway. And I do worry about this. I worry about these people being a version of modern gladiators that entertain us and then they end up in the back half of their lives with terrible problems because of head trauma. And I'm very interested in the fact that helmet technology is now really in play to try to reduce the impact of those hits to players' heads, because inevitably you're

• 29:11Speaker 02

  going to take a hit to the head. And when I was a kid playing football, you know, you'd get your, we called it get your bell rung. And the helmets then were a joke. I think that this is an area the NFL should itself be pouring money into. And I actually love that college football is, they've not been able to make it work, but they've had the right intention with trying to have these penalties for the dirty hits, particularly if they're to the head or the neck. It's called a targeting penalty. You watch college football more than I do, but it's so funny. Anytime they, they do the symbol of the targeting

• 29:55Speaker 02

  and it's a fist to the head. And then the announcers, all they're doing is saying, well, I don't know, does that meet the definition of targeting or not? And nobody seems to know. The referees don't know. The rule makers don't know. The announcers don't know. That's something we need to keep working on. The NFL should have something like that as well. They pull somebody out of a game if they think they took a hit to the head, dirty or clean, to have them evaluated right away. But it's the long-term impact of that. And I don't have a good answer to that. I don't, I'm not smart enough. And so, yeah, I see,

• 30:36Speaker 02

  I see a hit and I feel it. I cringe because I worry about that player, not just then, but down the road, if they take a hit to the head. So it's up to you helmet manufacturers. Let's see if you can come up with something because the NFL in particular has done a lot with their rules to try to cut down on the dirty hits. But that can only go so far. Did I sound like a politician through all of that?

• 31:05Speaker 03

  Well, I don't know. I think you were just saying you're hopeful that it will get better and there is better technology, but it's not going to stop you from watching right now.

• 31:14Speaker 02

  But I don't have NFL Sunday ticket.

• 31:18Speaker 03

  Oh, just wait. Clark Stinks is coming up on Friday.

• 31:22Speaker 02

  Oh, is that in Clark's? Okay. All right. We'll see then. Cause I mean, I'm suffering some withdrawal from not having it, but I just didn't want to spend the money. What can I say? All right. Well, anyway, with that having been said, it is Wednesday, which means coming up in two days, are we going to hear some of those this Friday?

• 31:43Speaker 03

  Yeah, the Clarkies have some opinions on that.

• 31:45Speaker 02

  On me revoking my NFL Sunday ticket card? Okay. All right. Well, that and your other beefs with me coming your way on Friday. In the meantime, know all week long, we serve you so many different ways. You mentioned earlier that markets in the country, that people hear me on radio, see me on TV, on the news each day. We serve you with Clark.com, Clarkdeals.com, our newsletters, which are free. You can see how to subscribe at Clark.com/newsletter or newsletters, both get you there. And our posts on social media. Everything is about

• 32:26Speaker 02

  serving you, empowering you with knowledge to protect yourself. So you can save more, spend less and avoid getting ripped off. And we'll see you on Friday.

• 32:42Speaker 06

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