10.28.26 Airline Passenger Rights / Family Caregiving - Planning Ahead

Airline Consumer Protections Are Shrinking & Hidden Costs of Caregiving With the holiday travel season just around the corner, big changes are underway that could impact your upcoming trips. The Department of Transportation is re-interpreting consumer protections for air passengers. Since airlines won’t be eager to step up when they make a mistake, you need to know how to advocate for yourself, and navigate airline customer service. Also, another urgent conversation families need to have involves the hidden financial costs of caregiving. Nearly 70% of people will require some level of care in their lifetime. With the erosion of long-term care insurance, more families are impacted by caregiving challenges, forcing 56% of caregiving retirees to leave the workforce earlier than planned. Don’t wait until a crisis hits or until your parents are well into their 60s or 70s to talk about the future. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the October 28, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Passenger Rights Eroded: Segment 1 Ask Clark: Segment 2 Prepare For Caregiving Challenges: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Howard's Strategy for Spending Credit Card Rewards ⁠ Follow Clark Howard's #1 Rule To Travel Cheap⁠ / SkyScanner.com⁠ Booked a Flight? This New Tool Will Tell You When the Price Drops ⁠Points Path Review: This Free Tool Makes Using Travel Points Much Easier⁠ ⁠Clark Howard’s Secrets to Beating Sky-High Airfares and New Hidden Fees⁠ How to Find a Geriatric Care Manager - Clark Howard What Is Disability Insurance and How Does It Work? - Clark Howard The Aging Parents Checklist: Money, Scams, Estate Plans and Final Wishes How To Find and Choose a Financial Advisor / Financial Advisor Costs When Should You Pay Off Your Mortgage Instead of Investing? / Calculator 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

• 0:01Speaker 00

  The award-winning American Airlines Advantage Program rewards more than travel. It takes your whole life to new heights. Earn miles when you fly, as well as with thousands of your favorite brands, and then redeem those miles for flights, upgrades, and experiences worldwide. Advantage members also enjoy earlier boarding and free high-speed Wi-Fi in-flight. Join for free and start earning towards your next adventure at aa.com/spotify.

• 0:28Speaker 01

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

• 0:42Speaker 02

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

• 0:45Speaker 03

  I'm so glad you've joined us here on the Clark Howard Show. Our mission is all about serving you with advice and information that empowers you to make better financial decisions in your life. And we're at the end of October, holiday travel season, Thanksgiving just weeks away. You need to know that your rights traveling are changing. And later, I want to address something that's affecting more and more of us, especially with the erosion of long-term care policies, caregiving.

• 1:28Speaker 03

  How do you plan for these costs if you're going to need help at some point potentially for an elderly family member? That's tough stuff, and we're going to talk about that ahead. So, the Department of Transportation has decided to reinterpret consumer protections for air passengers when airlines cancel or delay flights, cancel flights, leave you sitting on a plane for hours on end, and essentially eliminate rights that were granted by the Congress. And there's going to be lawsuits about it and all that.

• 2:12Speaker 03

  But the point is, this Thanksgiving and Christmas, you got a lump of coal from the U.S. Department of Transportation. It doesn't matter if you were naughty or nice, what you got when you travel is coal. Airlines now get to interpret on their own, essentially, what they're going to do for you when it's their fault that a flight's not going. Unbelievable. So, let me first give you background. Airlines were never excited to give you things when they had an oops.

• 2:52Speaker 03

  And what's happened now is, what I've been saying for a long time, is even more pertinent, that people who just say, "Oh, well, I'm maybe sleeping on the floor in the airport," if you just let them run you over, the airline's going to run you over. That's just the way they behave. So, what are you to do? Most important thing is polite persistence pays. The more you're not saying, "I'm so mad at you for whatever," they've had nothing but angry people on the phone, in person, whatever. You want to be the polite person.

• 3:35Speaker 03

  You say, "Gosh, it's been a tough day, hasn't it?" Because, let me tell you, when the airline's having a problem, and a flight cancels, or a bunch of flights cancel, or they delay very heavily, it's no walk in the park for that airline employee either. The more you are polite, and then specific what you want, those people have so much, who are working the phones and working at a counter, they have so much discretion who they do what for. And if you have any status with an airline, you don't start yelling, because even with

• 4:19Speaker 03

  status, if you're a jerk, even though you didn't cause the problem, and you're late for this, or whatever, don't start throwing attitude. Politeness is what's going to get you more. You've got more with honey than vinegar. I don't know where that expression came from, but let me tell you, with the airlines, it's totally true. And, whether you have status or not, when it looks like a flight is going to delay into a cancel, the early bird gets the worm. Another expression, I have no idea where it came from. I'm so good with trite phrases. Actually, I'm not, I get them botched all the time.

• 5:03Speaker 03

  But, the airline app now is where you are going to be the one who gets the seat on another flight versus someone who goes and stands in a line, or calls an airline who says, "Your call is so important to us, we're going to be with you in 17 hours." You, on the app, are going to get so much more done. And if you were somebody with high status on an airline, calling your team, or seeing what's available in the app that you get a priority on, is where you want to be. Standing in a line? Uh-uh. Standing in a line is for standing in a line.

• 5:47Speaker 03

  You don't solve problems standing in a line in an airport. I mean, it's just nuts that you and I, as taxpayers, without being asked, have bailed out the airlines with our tax dollars again and again, but then little protections for us are too much for you. Oh, come on. It's just not cool. But, how many different times, in different ways, in different situations, do I talk about polite persistence?

• 6:21Speaker 04

  Oh, always.

• 6:22Speaker 03

  Yeah. I mean, anger does not solve problems.

• 6:27Speaker 04

  Never. And then you end up blasted all over the internet, too, now, as a bonus.

• 6:31Speaker 03

  Who, wait, there was somebody who was in some shop and started posting

• 6:38Speaker 04

  Yes.

• 6:39Speaker 03

  about them on social media?

• 6:41Speaker 04

  Mm-hmm.

• 6:42Speaker 03

  Was that a musician or actor?

• 6:44Speaker 04

  That was, well, it was Kelly Clarkson. She's a musician, and she has a talk show, she's like, a lot, yeah. That recently happened, but more than that with

• 6:53Speaker 03

  Oh, wait, I've got another trite phrase.

• 6:54Speaker 04

  Oh, what?

• 6:55Speaker 03

  My late father always said, "Never fight someone who can't fight back."

• 7:01Speaker 04

  Hmm.

• 7:02Speaker 03

  So, if you're a famous or wealthy person throwing your weight around, that's not cool.

• 7:09Speaker 04

  No. But anyone, you're right with the airlines, I just saw a video yesterday of someone just berating and cursing out airline staff at an airport, and she was arrested later, as it seemed like she should have been. Just can't lose your cool. All right, Betty in Arizona says, "I have a special needs autistic brother-in-law. We'd like to have him fly from Madison, Wisconsin to Tucson or Phoenix, Arizona during the holidays. We have been paying for a first-class ticket, so he sits in the first couple of rows in case he needs any assistance during the flight. We make arrangements to meet him at the gate in Arizona. Is there a different, lower-cost seat option you know of that would provide similar care?"

• 7:52Speaker 03

  Okay, you just, you just gave me what they call in baseball, the big fat pitch.

• 7:59Speaker 04

  Oh.

• 8:00Speaker 03

  Because you've got

• 8:02Speaker 04

  You're loving the phrases today.

• 8:04Speaker 03

  I am, I've been just all over the phrases today. Was it lack of sleep last night? No, I got a good night's sleep. Anyway, Allegiant and their now-owned Sun Country Airlines fly, you know, they fly routes out of secondary airports, third-level airports like Madison, non-stop, which would be great for your special needs autistic brother-in-law to go non-stop. Normally, out of Madison, going on a long route, you're going to have to change planes. And I know with Sun Country, you can buy seats in the first three or four rows with extra legroom, and it's cheap.

• 8:46Speaker 03

  So, the fare's cheap, even during holidays relative to others. It's non-stop, they don't go to Tucson, then I recall, but they go from a lot of Wisconsin airports to Phoenix. And so, it's just, get on the plane at the small, customer-friendly Madison Airport, walk off in Phoenix, and buy the seat assignment for your brother-in-law in row one, or two, or three, and then you set up with the airline, you give them special service request based on your brother-in-law's special needs, and they should be fine. Going non-stop when you have a special situation is absolutely great.

• 9:30Speaker 04

  For sure.

• 9:31Speaker 03

  Now, I didn't say, Betty, that Sun Country and Allegiant usually fly to a place only two to four times a week.

• 9:40Speaker 04

  Okay.

• 9:41Speaker 03

  So, the minimal flight schedule will have to work for you, for your brother-in-law.

• 9:47Speaker 04

  Scott in Texas says, "I do travel on a regular basis, but I'm not a frequent flyer who's able to accumulate status with airlines and extreme amounts of flyer miles/points, etc. However, I do see ads on social media from people who say they can fly round trip to Europe and other exotic places in business or first class for 50,000 or 80,000 miles or points, and they want you to subscribe to their service, which shows you how to find those deals. Sites such as point.me and the Points Guy claim to offer ways to travel and style at a low cost in miles or points. Are sites like these worth the subscription cost, or is it more sizzle and no steak? What has your experience been, and what would you recommend?"

• 10:27Speaker 03

  All right, so, this is one of those things, there is some truth to the pitches you see, and there's a bunch of competitors in this now, saying, "Oh, well, we found this thing that if you have points on Air Canada, and you redeem them on Arrow whoever you've never heard of, you can then, on their mileage chart, get a seat on blah, blah, blah airline somewhere on the third Tuesday of February." So, yes, it is true that from time to time, there will be screaming deals, most often in premium economy or business class, rarely in international first class.

• 11:15Speaker 03

  Where you go on an airline, maybe you've not heard of using points from some other program that you transferred from American Express, or Chase, or Citi, or Capital One, or whatever. So you've got several steps, but the most important thing is you have to be the most time flexible traveler ever, because you may be able to get a seat two different days in one month going, and only one day in the following month coming back. And so if you are not that flexible a person, then these offers really are not genuine.

• 11:59Speaker 03

  But there are people that are retired, work for themselves, they're students, who get these great deals. I was able to get one recently, not so recently, about five months ago, for my son, that was just crazy, where I took points from a credit card, transferred them to an airline program, then he flew on another airline and got a great deal back from Europe at the last minute.

• 12:32Speaker 04

  And you do all that research yourself?

• 12:34Speaker 03

  Yeah.

• 12:35Speaker 04

  Yeah.

• 12:36Speaker 03

  Yeah, I mean it.

• 12:37Speaker 04

  You love it.

• 12:38Speaker 03

  I'm ridiculous.

• 12:39Speaker 04

  Okay.

• 12:40Speaker 03

  I do. I'm, I use, it's funny, because in some ways, I'm so analog, and then so digital, this hybrid that seems to really work for me.

• 12:51Speaker 04

  You're highly motivated when you're searching for travel deals.

• 12:54Speaker 03

  Yes, yes. No doubt.

• 12:57Speaker 04

  Lynn in Florida says, I'm planning a trip to Thailand in January of 2027. Have you been there? When do you suggest booking the airfare? And what would be the most economical route in your experience? Thank you for all your tips and suggestions.

• 13:10Speaker 03

  So Lynn, Thailand is a very interesting question right now, because the airfares to Thailand have been great for most of the United States, because of the big Middle Eastern airlines that you fly from a major US airport to somewhere in the Emirates, or Qatar, or whatever, and then change there, and you go on to Phuket, or Bangkok, or Krabi, or wherever. And the fares have been just phenomenal. Well, now, because of the security

• 13:53Speaker 03

  issues, people are not exactly saying, yippee, I want to go change planes, where there's been war going on. So Thailand has become much harder to get a deal to. You live in Florida, and the best deals to most of Asia, now that it's not really applicable to use the Middle Eastern airlines to get to Asia, maybe it's okay to use Turkish, but the others right now, eh. So for you, it involves two tickets. One, from wherever you are in Florida

• 14:35Speaker 03

  to the West Coast, checking fares out of Seattle, San Francisco, and LA. Two, in your case, Thailand. So you buy the domestic ticket to get out the West Coast, and then look for a separate fare from there to Thailand. And you're already in the heart of the booking window for January. Now, January is generally cheaper to travel on an exotic vacation than February is, so you may find a deal. Where do you book the airfare? Not any sketch site.

• 15:15Speaker 03

  You can search for fares using any of a variety of sites. I like checking fares on Sky Scanner, Hopper, and Google Flights, and see what's out there that's going to get you across to Thailand. But when they recommend a particular site, don't go to some UFO site to book a ticket. And do I love Thailand? I've been over and over again. Great destination. We've done two of our staff trips to Thailand over the years.

• 15:50Speaker 04

  Sure have, yep.

• 15:51Speaker 03

  So this is not going to be a year for that, because of the aforementioned problems getting there right now. But you will love being there. I don't know anybody who's ever been, who didn't love a trip to Thailand. Right. So we're going from that, get all excited about travel, don't it? We're going to talk about something rough and tough, and that is, a family member as they age, needing care, and what are the things you do to act, not react to that? We're going to talk about that.

• 16:32Speaker 00

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• 17:01Speaker 05

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• 18:03Speaker 01

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• 19:15Speaker 03

  So I have had extensive experience from my late mom's caregiving needs that went on for about eight years, that were significant caregiving years. And I have another family member, who a bunch of us are working as a posse, dealing with aging issues with Alzheimer's and Parkinson's combination, tough combination. Krista is dealing with her aging parents, and they fortunately have long-term care insurance.

• 19:56Speaker 04

  They do. We haven't had to use it yet, but yes.

• 20:00Speaker 03

  But it's there, and there's still a lot of time involved. You are such a great daughter, and you-

• 20:08Speaker 04

  Sweet, thank you.

• 20:09Speaker 03

  You are. You put a lot of effort in to doing things to take care of your parents, take them to doctor's appointments, and spend time with them, obviously, but it's more than the time you spend. Help them with their finance-

• 20:23Speaker 04

  Yeah, digital, any kind of digital stuff.

• 20:26Speaker 03

  Right. So there's a lot that's involved. And you know what's crazy? We were talking the other day about retiring and all that. Do you know that a lot of people end up having to retire early, to be full-time caregivers, to an aging parent, or other relatives, or something like that?

• 20:49Speaker 04

  I can see it, yeah. Almost every one of my good friends my age has something they're dealing with, with their parents right now. And it can be very extensive.

• 20:58Speaker 03

  So this brings me to something that is, people think about life and death.

• 21:05Speaker 03

  What people don't think about is the in-between. And as people do get older, 70% are going to need some level of care at some point. And what's happening, because people don't think through that part, your parents did, with the long-term care insurance. Today, that's a hard product to buy. But it's just not discussed, really. And then bam, you get a call that something's happened with a parent. There can be multiple kids, but often it will fall to, a lot of the responsibility

• 21:49Speaker 03

  will fall to one of the parent's kids. There, you've still got your life going on, but all of a sudden, you have a new, to call it a full-time job, I don't know what else to call it. You have new full-time responsibilities. That for you could be a privilege, being with your parents, but it's a lot of weight that you carry as an adult child taking care of parents.

• 22:14Speaker 04

  And it can be a, it can be a financial burden for so many people, too. I mean, my parents-

• 22:20Speaker 03

  Could break them financially-

• 22:21Speaker 04

  Break you, yes.

• 22:22Speaker 03

  Taking care. Your parents fortunately have the financial resources. But you still have a big role to play.

• 22:29Speaker 04

  Sure.

• 22:30Speaker 03

  So, I know this is weird to have these kind of conversations with your parents, but you don't wait till they're 70. You don't wait till they're 60. If you are established as an adult, even if it's something your parents are like, nah, I don't want to talk about this. You need to talk about, what, what do you think you want, blah, blah, blah? So you do it as questions, not as statements. And you think, you want to know, so how would you pay if you needed a stay and long-term care? I mean, how, how are you going to do that?

• 23:10Speaker 03

  These are the kind of things that you, as a kid, an adult child, need to discuss with your parent or parents, younger rather than older. What do you want? Where do you want to be? Yes, Krista?

• 23:28Speaker 04

  I just want to add in a few resources. Is this a good time for that, that I've learned?

• 23:32Speaker 03

  Perfect.

• 23:33Speaker 04

  First of all, Jerry, I don't know if, I think they're called Jerry's, like, social workers or care managers. A lot of states will provide, have people that you can have come in. My friend just recently had this for her mom in Florida, and a wonderful social worker came in and discussed all their options with them. And so I believe like, having someone like that can be a great resource if you're, if you're struggling with that and maybe meeting with your parents and, and the social worker. Also, for people who can't afford nursing homes and those, or don't want to be in the big facilities, for less money often, and often very personalized care, there are these homes called personal care homes. It's literally in someone's home usually with just a handful of patients.

• 24:18Speaker 03

  And, and different states have different rules on-

• 24:21Speaker 04

  Right.

• 24:22Speaker 03

  How many people can be in a personal care home and what requirements there are. But generally, they are below the radar. So you need to really thoroughly look as you're considering having a parent move into a personal care home to see, what's it really like there? Not what the brochure's like.

• 24:40Speaker 04

  Oh, sure. My, two of my friends have parents in personal care homes, and my one friend is so thorough, she made several surprise visits to the places they were considering and ended up at, her mom's at a wonderful, wonderful place. And then the third thing is if you're a veteran, the VA has some programs that can offer free transportation to doctor's appointments and then other resources that you can check with the VA for various levels of care. They do have a, it's funny, someone had written in to us about long-term disability with the VA, but they've actually suspended taking applications for that for now.

• 25:19Speaker 03

  So, the point is Krista's talking about in the weeds, which is when most people start to address this. Uh-oh.

• 25:27Speaker 04

  Yeah.

• 25:28Speaker 03

  I got a phone call, we got things to deal with. I want you, and most people aren't going to get around to what I'm saying, but instead of being in full react mode, and you talked about great resources for that, I want you having conversations that are ongoing. Think how many times I talk about financial things. I say, there's not a talk, it's a continuing conversation. This is definitely one of those areas. What do you want? How do you want it done? How do you think you'll pay for it? You know, those are the things that are important upfront, early, because, I mean, from a practical standpoint, the less prepared they are, the more is going to become your responsibility

• 26:12Speaker 03

  as an adult child later in life. So, both of these things are true, but the reality is 95% of the time, it's going to be what Krista said. Nobody's ever said a word, and now we've got this problem to deal with.

• 26:28Speaker 04

  Okay, we'll go to questions now. This one's from Mary Beth in Ohio. Hi Clark and T, my husband and I have gotten a bit overwhelmed with personal finance getting more complicated as we near our 40s. Between caring for his parents, financing expansion options for my design business, planning for college for the kids, and the numbers getting larger as we get a little older and more successful, we're really starting to worry that we don't know what we don't know and are probably making some mistakes or missing opportunities. As much as I love learning from your awesome show, thank you, we've been considering working with a financial planner to look at our specific situation in more detail and help us make more informed decisions. But as you've talked about before, it's really hard to know that we can trust both their

• 27:12Speaker 04

  expertise and that they'll act in our best interest. Plus, we're fine with just using fidelity index funds and don't need help with that, but most financial planners seem to only want to work with clients who turn over all their accounts to them, for them to manage. I've been reading about a small but growing category of advice-only financial planners who help answer financial questions but don't sell any products or manage investments, and would be interested to hear your perspective on that approach. Is this group likely to be trustworthy? We found some good info at adviceonly.com and adviceonlynetwork.com are those credible sources.

• 27:48Speaker 03

  Yeah, Advice Only Network is absolutely a good choice. You know, they, they list firms that charge flat fees or monthly subscriptions, or charge you like an accountant does for, when you meet with them, for hourly advice. They're not all about, well, let's talk about your future and come up with your investment portfolio. I mean, there are organizations that will give the one-on-one advice. We've talked about Garrett Planning in the past, that does that XY Planning Network that operates either flat fee or a monthly subscription, but it's advice-only is what

• 28:33Speaker 03

  it's about. So there are organizations that specifically do that, and going to them rather than someone who works under the traditional AUM assets under management model, that's not what you're looking for with the web of questions and situations you're dealing with. It's not like, how do I build an investment portfolio? Yours is wider than that, a well-trained financial advisor is going to be able to help you with all the mishmash of priorities you're trying to sort out.

• 29:12Speaker 04

  And then there's also tax management. So sometimes talking to a CPA as well is a key part of everything. I've learned that working with, like, talking to Wes on, on the Ask an Advisor segment we do. Robert in Arkansas says, hey Clark, I'm interested in selling my 2022 Tesla Model S Long Range with 22,000 miles. I uploaded my car's data to online sites like Carvana, only to get offers around $40,000. But these same sites are selling equivalent in even older S's with more miles in the low to mid $50,000 range. I bought it used from Tesla and it still has a factory warranty, and I had Tesla add a round steering wheel. It also has the carbon fiber spoiler. I realize buying sites are convenient, but not $10,000 plus convenient.

• 29:57Speaker 04

  My car is in pristine condition with a black exterior and white interior. I love it so much, but I'm wanting to upgrade to hardware four sometime down the road. I'm just not sure where to go from here. I've been a devout follower of yours for years, and I have no stinks from you, so please, share WWCD. What would Clark do?

• 30:16Speaker 03

  Oh, that's funny. Okay. So, 2022 Model S. The S is the unusual electric vehicle that the values went way down, and now they're going back up because it's discontinued, and there's much more interest in electric vehicles right now than there's been in a while. So, if you have an S, there are people who are going to want it, and it's hard for the used sites to figure out what the price points are in the market.

• 30:58Speaker 03

  So they're lowballing you and then selling for quite a bit more, much more markup spread than there usually would be. So I have something crazy to ask you. You're obviously a car enthusiast. If you're on any of the Tesla forums, you might see if you can, if ones that permit you, you might post your vehicle there to see if you can sell it directly to another person who loves Tesla and really wants an S. It's completely different selling an S right now, used S, than it is most cars out there

• 31:40Speaker 03

  because there's a certain cult following for the Model S. So selling it on a traditional car seller like Carvana or CarMax, you might miss what the market is offering you right now. So the effort you're willing to put in may get you a lot of that spread that right now is there what you can be offered by one of the selling sites versus what they're going to turn around and try to market it for.

• 32:11Speaker 04

  And Guy in California says, with the high inflation, is it still a good idea to pay a mortgage off early? Or like some pundits say, spend money on growth investments?

• 32:21Speaker 03

  Okay. Guy, depends on your mortgage interest rate. I mean, that's really what I go by versus what you can earn on your money elsewhere. I have no idea what mortgage interest rate guy has. Guy, if you've got an interest rate below 5% on your mortgage, there's no hurry to pay it off right now because what you can earn on savings is going to be roughly equivalent. So you're best off not paying off the mortgage early right now unless you would be really frivolous with the money otherwise, which is why some people prepay on a mortgage because

• 33:05Speaker 03

  they'll say, oh, well, I got this money. I'm going to go do whatever with it, whatever that whatever is. So if your mortgage rate is higher than 5%, every quarter point higher makes a stronger argument for prepaying on the mortgage. But that's only after you are fully funding a Roth IRA each year. You're fully funding the retirement plan at work. Those things, because of the tax advantages baked into them, come before you prepay a mortgage. And that's it for us today. But you know what's coming up next, Krista?

• 33:50Speaker 04

  Oh, I know. Friday.

• 33:52Speaker 03

  Friday, which means Clark stinks. I can't wait. So if you've ever heard something on the podcast and you're like, that guy's an idiot, just go to Clark.com/ClarkStinks and post away.

• 34:08Speaker 04

  Or you might think, I have something to add to what Clark says. He's not an idiot. He's a great guy.

• 34:14Speaker 03

  Yeah, but I might be an idiot. So you just, you just post what you feel, what you think, and who knows? You could end up on the Clark Stinks segment on Fridays. We do it most Fridays. Sometimes we were kind of backed up with consumer topics and we will boot a Clark Stinks on a Friday and then the conspiracy theorists come out, what, Clark can't take it anymore? No, I love Clark Stinks. So we're going to have that for you on Friday. And I want to thank you so much for being with us today. No, it's not just about the podcast.

• 34:53Speaker 03

  We're here to serve you so many different ways on social media, on our websites, Clark.com and Clarkdeals.com, our newsletters, and they're free, by the way. If you live in a market that I'm on TV news or where I'm on the radio, any way that we can empower you with knowledge that gives you more power, more control in your life so you can save more, spend less and avoid getting ripped off, that's what we're about here. With knowledge you can trust, knowledge you can put to work in your life, that's the goal. And we'll see you on Friday.

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• 35:54Speaker 02

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• 35:57Speaker 06

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