10.23.26 Clark Answers His Critics on Clark Stinks / Fine Tune Fin Ed

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also, - how do we teach our kids and young adults about money? Managing money was simple just a few decades ago: cash was king, consumer choices were limited, and savings accounts earned fixed interest rates. Today, we live in the most over-stored country in the world, surrounded by endless retail options, online shopping, and digital payment methods like Venmo and Cash App. Money has become frictionless and abstract, making it easier than ever for young people to fall into financial traps like recurring subscriptions and impulse spending. Because the modern financial world is vastly more complex, parents can no longer rely on kids picking up smart money habits by osmosis – active teaching while they are still under your roof is essential, as Clark explains. All this and more on the October 23, 2026, episode of The Clark Howard Show. Submit your opinions or questions: Ask Clark. Clark Stinks: Segments 1 & 2 Kids Must Learn $: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Jewelry Insurance: Should You Use a Rider or a Separate Policy? How To Get Top-Brand Running Shoes for Cheap Right Now The Sneaker Taking Over America Was Inspired by iPhones and a Vacuum Cleaner Wealthfront Review: How It Works, Pros & Cons - Clark Howard Clark Howard's Obsession That Could Save You Hundreds Costco vs. Sam's Club: Which Warehouse Club Is Worth Your Money? What Money Was Like When I Was Growing Up — and Why Your Kids Need Different Lessons Today Financial Advice for the Young Adult in Your Life - Clark Howard How to Teach Young Kids About Money - Clark Howard How I Set My Teens Up for Retirement in 5 Minutes - Clark Howard How To Open a Roth IRA 4 Ways To Stop Junk Mail Samsung Galaxy Card 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

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

• 0:12Speaker 01

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

• 0:15Speaker 02

  They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go to restaurants. Or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats, order now. Terms apply. Product availability varies by region. See app for details.

• 0:50Speaker 03

  It's my pleasure to welcome you 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 happy Friday to you. And I'm in a great mood because I get to hear where I messed up, where I'm stinking it up in today's Clark Stink segment. And later, how do you teach kids and young adults about money? Well, don't start staring at your shoes because most people don't ever talk to their kids about money until there's a problem and then you're screaming.

• 1:34Speaker 03

  No, not a good plan. We're going to talk about that later, but right now we're going to talk where I make you feel like screaming because you can't stand what I said in today's Clark Stink.

• 1:47Speaker 04

  You must think I'm pretty stupid.

• 1:50Speaker 05

  You should be ashamed of yourself. Well, maybe I'm wrong, maybe I'm wrong. Maybe you're right, pal.

• 2:03Speaker 06

  All right. Don in Ohio says, I was curious about your answer to the gentleman who recently bought a lab grown diamond ring for his fiance. You told him to forego insuring it. Now, if this is insurance offered by the seller, it's probably a bad investment. However, you didn't mention that theft and sometimes loss is covered by most homeowners and renters insurance policies. You can also schedule the diamond for full coverage at appraised value, including mysterious disappearance. Whether it's a good deal or not would depend on the premium. It would be worth at least looking into as I'd be curious to what the threshold of premium that would make scheduling the item advisable is. I also wonder why you didn't address the quote unquote service plan.

• 2:46Speaker 06

  The chance of a ring needing servicing seems small and most adjustments are relatively inexpensive. I gave my wife her engagement ring in 1975 and I believe we only needed a prong adjusted two or three times.

• 2:59Speaker 03

  Wow, wow, wow. That is 51 years ago.

• 3:03Speaker 06

  Yeah, that's amazing.

• 3:05Speaker 03

  Wow. Okay. So in 51 years, needing a prong adjusted two or three times proves the point that is really my fault for not mentioning is how often the jewelry stores push these service plans and you don't need one. Okay, on insuring a lab diamond. Lab diamonds tend to be so inexpensive to buy relative to a dug out of the earth diamond, chemically identical, but with a special mark that under a graduate gemologist's loop, they can see or machine, they can see that it's a lab diamond. So they carry much less of a cost upfront.

• 3:51Speaker 03

  And even though dug out of the earth diamonds also lose enormous value right after you buy them, lab diamonds lose more than that. And so it is a purchase of consumption, not an investment when you buy a diamond. If on the other hand, you had bought a crazy expensive lab diamond or dug out of the earth diamond, you do want to schedule the jewelry. Under a homeowner's policy, renters policy, the coverage for jewelry is going to be teensy tiny. You have to schedule it, just as you're talking about. You can buy Don from their companies that sell standalone jewelry policies.

• 4:33Speaker 03

  If you have a lot of jewelry and you don't want to end up with claims against homeowners, you can schedule those in a individual standalone policy that does not affect the claims history for your home insurance.

• 4:49Speaker 06

  Brian in North Carolina says, Clark, regarding where to find good prices on running shoes, you forgot to mention your local running store. These small businesses do a lot for the running community. They not only sell running apparel, but they organize events like races and even free group runs and have running clubs. They often have specials on previous generation shoes. Yes, you might pay a little bit more, but these stores give so much back to the community.

• 5:14Speaker 03

  Well, Brian, and you didn't mention the most important thing about going to a running store. All those decades I ran, I went to a specialty running store and paid more for my shoes because I had to make sure I was getting the right ones for my feet, my pronation. And it makes running a whole lot more pleasurable if you're wearing the right shoes. And you pointed out something I always did. I always bought the out of date version of a shoe. I still do that now for walking shoes that I buy the last day. If you just buy running shoes online and you think because you saw advertising, you

• 5:57Speaker 03

  got to have this brand or that brand or the other, you're not getting what you get at a small running store where people who are real runners go. So I can't disagree with anything Brian said. He's completely right.

• 6:12Speaker 06

  True. And did you, I meant to ask you, there was a Wall Street Journal article about how we're all walking on the cloud shoes, like the Hoka's that you wear and how some foot doctors or dietrists and people who specialize in that are one questioning whether that's actually good for us because of what it can do to like our gait over time.

• 6:30Speaker 03

  Really?

• 6:30Speaker 06

  Yeah.

• 6:31Speaker 03

  I didn't see that.

• 6:32Speaker 06

  You have to look at that.

• 6:32Speaker 03

  I saw the one about the brand, the brand's called On Cloud, I think that's.

• 6:38Speaker 06

  Oh, On Cloud, yeah.

• 6:40Speaker 03

  How they have priced their product, how they distribute it.

• 6:43Speaker 06

  Yeah, I didn't mean that. I just meant we're walking on these big squishy marshmallow shoes. That's what I meant.

• 6:48Speaker 03

  But theirs are some kind of funny. I'm not familiar with that brand really, but there's some kind of funny design.

• 6:55Speaker 06

  They just have all sorts of designs now, I think. Pretty big.

• 6:59Speaker 03

  And in your former hometown of Boston was where I was first introduced to the movement of people who run barefoot or wear those protective things on their feet because they believe, as you're talking about, that all these cushy shoes are bad for our bodies, that running barefoot or nearly so is actually the best for you to do.

• 7:26Speaker 06

  The debate goes on. Okay.

• 7:28Speaker 03

  But it was weird seeing people run in downtown Boston actually completely barefoot.

• 7:35Speaker 06

  Huh, yeah, I'd be nervous to do that. Love Boston. Okay, Mark in Maryland says, you smell like my running shoes.

• 7:43Speaker 03

  Here we go, running shoes again.

• 7:45Speaker 06

  Speaking of running shoes, your advice to buy a previous generation may work for a casual walker, but not a serious runner. Modern running shoe soles are infused with various types of gases to improve cushion and movement. The gas will slowly diminish over time, even if the shoe is not used. In other words, go stale sitting on a shelf. Not only should you not buy last season's shoe, you should check the tongue for manufacturer date and not purchase a shoe more than four months old.

• 8:10Speaker 03

  So Mark, you're saying stuff I've never heard.

• 8:14Speaker 06

  Me either.

• 8:15Speaker 03

  So I have to take your word on this, but I've never heard that a shoe just sitting there, more than four months old, is suddenly not going to be good for you to wear. So it'll be interesting to hear from other people on that.

• 8:31Speaker 06

  Yeah, I don't think you would, even if that were true, you're not going to do that.

• 8:35Speaker 03

  Well, I've always said, I'll accept lower quality for a lower price.

• 8:39Speaker 06

  Veronica in Florida says, Clark, you don't stink, but I do have a question regarding your cheap Hoka's purchase.

• 8:44Speaker 03

  Oh, seriously?

• 8:45Speaker 06

  I'm sorry. Do they squeak? I made the mistake of buying not only one, but two of the same type of Brooks running shoes at a discount through two different giant online retailers. Both pairs had to be returned as they squeaked, which indicates the shoes have been sitting around and the glue dried out. To me, these were factory rejects bought by these big retailers to resell and not worth a discount. So I bit the bullet and ordered directly through Brooks Running. Expensive, but no squeaks driving me crazy. That's the last one.

• 9:12Speaker 03

  Okay, I've not had that problem. So what am I wearing? I'm wearing Hoka Arahi sevens. And I don't know if they're on eights or nines, whatever, but I always buy the last season and. I've been buying them. You know, Hoka does not like to discount. So they let somebody else do the dirty work. They'll use a clearance site. Amazon has clearance site Woot and they will have Hokas and Brooks from time to time that are discontinued models that they're discounting or-

• 9:48Speaker 06

  Do they squeak though?

• 9:50Speaker 03

  I've not had the squeaking thing.

• 9:51Speaker 06

  Okay.

• 9:52Speaker 03

  But what's the thing you've always hated about my Hokas?

• 9:55Speaker 06

  What, that you'll buy crazy colors?

• 9:57Speaker 03

  I will buy, a lot of times, the cheapest prices are on really outlandish colors that people didn't like. And so are you happy with this?

• 10:07Speaker 06

  Those are very neutral. You've got a couple of really nice ones right now. All right, I'm sorry, everyone. We're moving on from the shoes. Robert in Wisconsin says, "Hi Clark, I'd like to repeat a Clark stinks from a previous listener because I see it hasn't stuck." You're running shoes. No, I'm kidding. It's not like that. "Please stop using the word scamster. It has a lighthearted, almost whimsical feel to it. Just say scammer. If that's too close and it might trip you up out of habit, you can always use crook, thief, loser, et cetera."

• 10:36Speaker 03

  Okay, so, thank you. And that's an interesting perspective, Robert. The reason I've always said scamster is to say something that kind of draws attention to it. If I just say scammer, you know, another scam report. I'm trying to say something that, that gives it a little extra push by saying scamster, like gangster, scamster.

• 11:00Speaker 06

  Right. But a lot of people hear like, "Oh, it's cute, like a hamster." Not, not, you know, bankster.

• 11:06Speaker 03

  I've never thought about that. And it's interesting because that is twice now we've heard that in a short period of time. So old habits die hard. I will try to be conscious of that. Thank you.

• 11:19Speaker 06

  Carl in Colorado says, "Your comments on healthcare were partly on the nose, but yes, quite stinky. Hospital consolidation is a big driver of costs, but insurers are part of the problem too. As a former physical therapy clinic owner, I watched insurers deny independent clinics raises despite high inflation. Those independents, often the lowest cost providers, end up closing or selling to hospital systems or private equity, which then raise the prices. And the ACA requires insurers to spend at least 80% of premiums on care. I just got a $170 rebate from Anthem because they didn't. Sounds good, but it means insurers grow profits by growing the total. So they have little reason to fight rising hospital and drug prices."

• 12:03Speaker 03

  Right. So Carl, you bring up such a powerful point that, that I don't address because we're a consumer focused show. And that is how the power struggle between the giant insurers and the giant hospital systems is squeezing out others that are lower cost providers. Because the hospital systems are so big in the metro areas they choose to dominate, that they're able to beat up the insurers to get larger reimbursements. If you're running an independent facility, you don't have that market share power that

• 12:42Speaker 03

  the big hospital system has. So they squeeze you to compensate some for the larger share of the healthcare dollar they're now giving to these inefficient, overpriced, semi-monopoly and some markets monopoly, hospital systems. We've got a lot to fix with healthcare. And right now, the real squeeze play I talk about is what's happening to consumers. You bring up another angle that forces consumers into hospital owned facilities at grossly inflated bills.

• 13:20Speaker 06

  Richard in Connecticut says, "In a recent podcast, a question came in regarding business savings. Clark doesn't stink, but he did miss the mark telling the person to go after an account paying a little over 1%. I've been self-employed since I was 12. Over the years, I've tried to find a home for idle business money dozens of times, only to be turned down each time. About five years ago, I tried setting up an account with Wealthfront and to my surprise, they accepted my info. My idle business money has made as much as 4.5% and is currently making 3.55% and it links directly to my business account."

• 13:55Speaker 03

  Richard, thank you for talking about that. A lot of businesses do have their idle cash at brokerages because the banks rip them off and only use the bank for their transaction accounts. And you've been able to make that work. And business owners, if you have a business, a lot of times there are businesses that have a lot of cash flow certain times of the year, less other times. And the banks are cheating you on that idle cash. Do what Richard's doing. Set up an account with one of the brokerages where you can earn so much more money than you'll ever earn at a bank.

• 14:34Speaker 06

  Okay. Billy in Florida says, "Clark, you will only stink if you disagree with me. But as you are the guru of all things Costco, how do you pronounce Costco? Is it cost-co or Costco? Is the T silent? My wife and I disagree."

• 14:51Speaker 03

  I don't know.

• 14:52Speaker 06

  Just say how you normally say it. I'm gonna go to-

• 14:53Speaker 03

  Costco.

• 14:54Speaker 06

  Yeah.

• 14:54Speaker 03

  The T, the T isn't there.

• 14:56Speaker 06

  But it is Costco.

• 14:57Speaker 03

  It is Costco.

• 14:58Speaker 06

  But yeah, it's easy to ignore the T.

• 15:01Speaker 03

  Yeah. And I, I swallow so many Ts when I speak. Think about how many things have a T in them that the T is just, I mean, I could deal with one less letter of the alphabet the way I speak. But I think technically it would be right to say cost-co.

• 15:19Speaker 06

  Right. Cause cost is such an important part of the name.

• 15:22Speaker 03

  Yeah.

• 15:23Speaker 06

  So we're kind of doing a disservice not pronouncing the T.

• 15:26Speaker 03

  I don't know. Costco doesn't care what you call them as long as you shop there.

• 15:31Speaker 06

  Right, right, right.

• 15:32Speaker 03

  So Billy, I'd say she's right. Now, I preferred the original name, which was Price Club, the original warehouse club that was merged with Costco. I thought Price Club was like the greatest name. It was Saul Price, the founder of the warehouse club business. It was his name, Price and Price Club. And, but the warehouse clubs themselves, I mean, they're just so great for the American people and for small businesses. In the case of Sam's Club, how much money they save for individuals and for small business by having

• 16:16Speaker 03

  the most efficient retail system out there, which is something I want to talk about soon is what a price advantage you have shopping at the warehouse clubs versus shopping even at other retailers you think offer low prices, like Amazon. Anyway, that's for another time. Coming up ahead, we're going to talk about kids and money. It's a lot harder to get money concepts now for so many reasons. And you got a job here.

• 16:55Speaker 00

  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.

• 17:07Speaker 01

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

• 17:10Speaker 07

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• 18:10Speaker 02

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• 19:41Speaker 03

  When I was a kid growing up, all I had to do was dodge dinosaurs and velociraptors. No, not that old. But money was really, really different. And the whole shopping thing wasn't a thing. And we are the most overstored country on earth. The number of square feet of retail we have is unprecedented per American. We have, I think it's three times the amount of retail square footage versus the next most overstored country. And that's not even accounting into

• 20:20Speaker 03

  online shopping and how you pay for things. When I was growing up, you paid cash. And I'll tell you something weird. All right, try to imagine this. Department stores were the big place to go to shop. Small town, large in between in America. And you'd go into a department store, and you could pick up a check, a blank check from a dispensary there for whatever bank you were at. And you'd fill it out, and you turn it in, and they would send it off to the bank, and they'd look up by hand, and then pull the money out of your checking

• 21:05Speaker 03

  account. Or you had cash. That was it. And for me, what I had, everything I did was with cash. That was what you did. But there, again, there wasn't much to buy. We weren't a land of foodies everywhere. People didn't eat out a lot. They didn't shop a lot. Money was a lot simpler. And here's a crazy thing. Do you know, until was it 1980, the government regulated how much interest you could earn on money you saved? And what the rules were

• 21:45Speaker 03

  for how often you could have access to your money. And so we used to have these things called savings and loans. And they paid five, let me see if I remember right, five and a quarter percent on your savings set by the government, and banks paid 5% on savings. And the government decided who was allowed to have checking accounts and what the rules would be on them, everything. It was, it was so different. There wasn't much teaching to do about money, because it was all so simple. And so many industries were just like the banks, and these things called savings and loans. They were told what they could

• 22:29Speaker 03

  pay, what they could charge. Everything they did, as I've talked about before, trucking lines, railroads, airlines, everything was decided by the government. So there wasn't consumer choice then. And there wasn't all the different ways of what money is. Today, it's a whole different thing. I mean, people don't give kids checks anymore for their birthday. What do they do? They might give them money on Venmo, or Cash App, or Big Bad Zelle, or something like that. I mean, the way money is now is so different. And the ways they

• 23:12Speaker 03

  can spend money, so many. There were no such things as all these subscriptions we have now. There was no internet. There was no streaming. There were obviously no cell phones. All these things we spend money on, the choices, the infinite number of choices and ways you can spend, so different. So that requires active teaching by a parent, even if you know in your heart of hearts, you're not doing a great job with money yourself. That's usually why a parent doesn't talk to a kid about money, because they know they haven't done

• 23:52Speaker 03

  that great themselves. So what? You need to teach them in your school when they're under your roof. And the more you teach certain concepts, like, I've got a story at Clark.com on what are my principles, I would want your kid to know of any age, and especially once they're transitioning into adulthood or are. Number one thing I want an emerging adult to think about and learn is live on less than what you make. That if you do that from the get go, and that's how you live your life, it changes everything. And the

• 24:37Speaker 03

  easiest way to do that is to participate in retirement plans, that before money gets to you, it's already put aside. That if your employer has a 401k, you better be in it. And especially if they've got a match, you got to grab every penny of that match your entire lifetime. And that's not enough to save, but it's a good start. And then, you've got to have the rainy day money. Because otherwise, what do people do now? Oh, oops, I didn't know I was gonna have to fix that. I'm gonna put it on a credit card. Or I'm

• 25:16Speaker 03

  gonna pay in for this debt existence. The more you can, let's say you have not handled money well. Say to your kid, I did this wrong. I don't want you to follow in my footsteps on this. These are the mistakes I made. This is what I prefer for you to do. Kids listen when a parent says, when you're at any age, when a parent says, I messed up, you got your kid's attention. Use that for the good thing of teaching. And then, you know, my

• 25:57Speaker 03

  obsession with Roth IRAs, which are so valuable to people when they're first in the workforce as a teenager, 20 something, you're not making big money, you're in a really low tax bracket, popping that money into Roths, 401k, IRA, whatever, when you're really young, so important. Those are just some of the things that, and age appropriate, age appropriate. My poor kids had to learn unit pricing when they were in third grade forward. I taught them how to comparison shop, because I'm a terrible person. No, I did. I taught them so that

• 26:40Speaker 03

  they would learn, it would be in their heads, to know the benefit of item A versus item B, and not because the box looks bigger of one versus another. What is the actual price per ounce, or whatever unit of measurement? I want you to know that stuff. Krista?

• 27:02Speaker 06

  Do you know some stores are hot, don't use the unit pricing now? Target is one of them I've seen.

• 27:08Speaker 03

  Seriously?

• 27:09Speaker 06

  Yeah. I was trying to teach someone about unit pricing there, and I was like, there are none here. Yeah.

• 27:15Speaker 03

  So if you're in the Good and Gather part of the store, they don't use?

• 27:18Speaker 06

  Yeah, the whole grocery section. I didn't see any. Maybe I'm, maybe I'm wrong. Maybe I'm wrong.

• 27:23Speaker 03

  Okay. Have you seen whatever clothing they're making, the people wear on the food side of the Target?

• 27:29Speaker 06

  No, what?

• 27:30Speaker 03

  People, employees apparently are quitting. They feel like they're in clown suits, apparently.

• 27:35Speaker 06

  Really?

• 27:35Speaker 03

  Yeah. I, I never go to Target, so I don't.

• 27:39Speaker 06

  I'll have to look.

• 27:40Speaker 03

  I only know what I read in life. I know nothing about real life. But anyway, if you, if you'll report back.

• 27:46Speaker 06

  I will.

• 27:47Speaker 03

  They really are wearing.

• 27:48Speaker 06

  I don't make, mind making a trip.

• 27:50Speaker 03

  Just really goofy.

• 27:50Speaker 06

  Trip to Target for the cause.

• 27:55Speaker 03

  Okay.

• 27:56Speaker 06

  Okay, go to questions. Brandy in Georgia says, my 16 year old's son is interested in investing. Is it possible for him to do this at this age? And what's the best way to help him in this endeavor? Thank you so much for all of your help.

• 28:10Speaker 03

  Randy, one word, fidelity. One company, Fidelity Investments, has specifically designed a semi-independent investment account for teenagers before they've reached adulthood. And it is a great way for a teenager with only $1 and up to be able to learn the fundamentals of investing. And I wish that my other favorite children would get on this bandwagon, specifically trying to create these investment habits in people when they have their first jobs as teenagers. And so there's a lot of instructional material available online

• 28:55Speaker 03

  from any of a number of the good, low-cost investment houses. And so your son can learn very easily and see whichever curriculum he likes best, whether he invests through fidelity. If online educational materials are better from Vanguard or Schwab, you can use those. You don't want to go with any bank-based brokerage. But learning the fundamentals of investing, a lot more sticks when you are actively handling your own investment account. And if Brandy, your son, is working, then his first move is to open his own Roth IRA and fund it. And Fidelity offers, as do the others,

• 29:39Speaker 03

  target retirement funds the money can go into. And that becomes your base for investing for the long term.

• 29:47Speaker 06

  Barbara in New York says, is there any way to stop junk mail?

• 29:52Speaker 03

  Well, yes and maybe. So there is, from the Direct Marketing Association, there's a process where you can stop junk mail from legitimate marketers. And I've been on that forever, but I've noticed that the amount of junk mail coming in is most of what comes in now through the physical mail. So I'm not going to hold out huge amounts of hope that the process is going to work for you. But we have a story that ironically enough, we just updated recently on the ways to stop junk mail.

• 30:37Speaker 03

  And one of the ones I like the most, any apartment renter needs to do optoutprescreen.com. What this does is it stops pre-approved credit card offers from coming in the mail. What will happen to apartment renters is they'll move and the mail system has not caught up on your new address. And pre-approved for credit cards go to your old apartment you used to live in. Somebody opens the box and they're like, this is my lucky day.

• 31:10Speaker 06

  Or house you rented.

• 31:11Speaker 03

  Yeah.

• 31:12Speaker 06

  Sure.

• 31:12Speaker 03

  I'm now, I now have a new name. I know the address. I'm applying for this credit. And then you're left with the mess. So opt-out pre-screen is really great. And then there are ones that you can get rid of catalogs. And DMA Choice is the one we've talked about for years that a lot of companies will participate with. Direct Marketing Association is what that stands for with their mailing list. And so we'll have this, and can we put this in our?

• 31:45Speaker 06

  Sure.

• 31:46Speaker 03

  Show.

• 31:46Speaker 06

  In the description.

• 31:48Speaker 03

  Thank you.

• 31:49Speaker 06

  Joe in Florida says, Clark, I saw a new credit card and I would like your feedback on it. It's the Samsung Visa card. It looks like if I use it with the Samsung Wallet, I get 3% cash back.

• 32:00Speaker 03

  Right.

• 32:00Speaker 06

  Is this a good deal for a credit card? And are there any downsides to using this card?

• 32:05Speaker 03

  Joe, the Samsung card is generous as the flat 3% is. Doing tap to pay with Samsung Wallet only works if you are Samsung obsessed. If you only like Samsung TVs, Samsung phones, Samsung watches, what else do they sell? Samsung anything. If that's your thing, then it's worth it. Otherwise, no. Because the Samsung card is really all about Samsung. And so I don't recommend it except for someone who can't wait for the next Samsung product reveal and has to have it.

• 32:50Speaker 03

  The 3% is really kind of fool's gold if you like shopping the marketplace for the products and brands that you buy. And with that having been said, it's Friday. You know what that means? We're done for the week here on the podcast YouTube show, but we're not done serving you at Clark.com and Clarkdeals.com all weekend long. And I want you to know, we are cranking up to bring you the Black Friday month deals on Clark Deals all month long. And I've mentioned before, our free newsletters.

• 33:34Speaker 03

  With our Clark Deals newsletters, you're going to know up to the minute, the hottest deals that are real deals that don't waste your time, that you can buy throughout the Christmas shopping season. And everything we do, every way we do it, is about you being empowered with knowledge so you can save more, spend less, avoid getting ripped off. And most important of all, go enjoy your weekend and we'll serve you again on Monday.

• 34:09Speaker 00

  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.

• 34:21Speaker 01

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

• 34:25Speaker 02

  They're running a cover two defense. But you're running to get game day deals on Uber Eats. Keep everyone at tonight's watch party fed with deals from your go-to restaurants. Or stock up with deals on your favorite snacks and groceries. Whatever the occasion, get game day deals on Uber Eats all season long. It's not football without food. Uber Eats, order now. Terms apply. Product availability varies by region. See app for details.