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The Clark Howard Podcast

Clark Howard
Retirement Planning
Roth IRA
Personal Finance
Investment Strategies
Inflation
Credit Cards
Clark Stinks
Social Security
Artificial Intelligence
Electric Vehicles
Scams
Financial Security
Retirement
Credit Card Debt
Costco
Housing Market
Insurance
Real Estate
Financial Literacy
Investing

Save more and spend less is more than just a motto for money expert Clark Howard; it’s a way of life. Clark and his crew — Team Clark — are on a mission to empower people to take control of their personal finances by providing money-saving tips, consumer advice, hot deals and economic news to help everyone achieve financial freedom. Clark is a nationally syndicated radio talk show host and a consu... more

PublishesDailyEpisodes2353Founded20 years ago
Number of ListenersCategories
InvestingBusinessEntrepreneurship

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Artwork for The Clark Howard Podcast

Latest Episodes

The Dark Side of Retirement (and How To Avoid It) & Lump Sum vs. Monthly Pension Decision Tree

Retirement is often touted as the ultimate goal, but Wes reveals why reaching the finish line can bring unexpected challenges. Wes exposes the sobering st... more

The banks are at it again, and Clark wants to make sure you don't fall into a dangerous debt trap. Home equity levels are at record highs as financial institutions aggressively push homeowners to tap equity with HELOCs and cash-out refinances to pay ... more

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.

Also, there are new tools for parents to keep track of their babies' health and sleep. These are much more sophisticated than old fashion... more

Clark drops an urgent warning for vehicle owners regarding a massive spike in auto insurance claim denials. If you let a friend, colleague, or extended family member borrow your vehicle to run a quick errand, you could be setting yourself up for fina... more

Key Facts

Accepts Sponsors
Contact Information
Podcast Host
Number of Listeners
Find out how many people listen to this podcast per episode and each month.

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Recent Guests

Wes Moss
Financial advisor and advisor guest on the show
Episode: 04.28.26 Ask An Advisor With Wes Moss
Don McDonald
Host of Talking Real Money
Talking Real Money
Episode: 04.27.26 Why Millionaires Feel Broke / How To Spot 'Ghost Job' Scams
Don MacDonald
Co-host of Talking Real Money
Talking Real Money
Episode: 03.11.26 Retirees Returning to Work / Medical Privacy Warning
TJ Watt
Pro linebacker and co-designer at YPB by Abercrombie
YPB by Abercrombie
Episode: 01.07.26 What Early Tax Filers Need To Know / When To Take Social Security
Jonathan Clements
Premier personal finance writer in the United States, known for advocating for index funds
Episode: 10.02.25 SPECIAL EDITION: A tribute To Financial Mentor Jonathan Clements
Kim Komando
Consumer technology expert and host of multiple daily shows
komando.com
Episode: 09.12.24 Clark Welcomes Consumer Tech Expert Kim Komando

Hosts

Clark Howard
Host of the show, central figure for personal finance guidance and consumer advice.
Christa DeBias
Co-host referenced in dialogue; guides discussions on retirement planning and money questions.

Reviews

4.6 out of 5 stars from 6.5k ratings
  • Love Clark... could do without Wes & his baggage. Pass on listening to Tuesday.

    Podcast Addict
    4
    WallaWells
    21 days ago
  • Christa talking over Clark

    I have mentioned this a few times before but it still happens. In the August 14th 2026 podcast at about 32 minutes in, Clark is discussing payment methods and as he starts to mention - I think Venmo - Christa starts talking right over him & it was impossible to figure out what was being said or at least sort out what Clark was going to say.

    I don’t understand why she does this. She could wait until he’s finished with his sentence and then say what she’s thinking, but to talk over him - and it ... more

    Apple Podcasts
    3
    EasternOregon
    United States25 days ago
  • Great consumer info!

    I’ve been listening to Clark’s advice for years and learned quite a bit on how to not get ripped off. Love the new Wes Moss segment too which focuses on retirement and specific advice there.

    Apple Podcasts
    5
    DT24242424
    United Statesa month ago
  • Wes, stop it!

    It makes me cringe every time Wes Moss calls Social Security,“social”.

    It drives me crazy. Please just call it by its full name.

    Apple Podcasts
    5
    Will Stop
    United States2 months ago
  • Clark and Christa are outstanding!

    Can't be replaced. I suspect you know who is buying the show. Yes he is smart, but he will be a problem for current subscribers. What about Roger Whitney?

    Apple Podcasts
    5
    Interested bystander
    United States2 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Listeners praise practical, easy-to-follow financial advice and the host's honest, straightforward approach.
Audience comments are mixed about political discussions, but content quality and usefulness are frequently highlighted.
Fans appreciate long-running, down-to-earth money guidance and real-world examples.
Some critics feel Wes Moss's perspective shifts the show's focus away from Clark's traditional style.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#12
United States/Business/Investing
Apple Podcasts
#73
United States/Business
Apple Podcasts
#218
Canada/Business/Investing
Apple Podcasts
#245
France/Business/Investing
Apple Podcasts
#110
Indonesia/Business/Investing
Apple Podcasts
#162
Mexico/Business/Investing

Talking Points

Recent interactions between the hosts and their guests.

09.08.26 Ask An Advisor With Wes Moss
Q: In the context of liquid vs illiquid assets, is there a rule of thumb for the ideal liquidity ratio in retirement planning?
A common guideline discussed is to aim for about 50% or more in liquid assets to ensure spending can be funded without forced selling of illiquid investments during downturns.
09.08.26 Ask An Advisor With Wes Moss
Q: What should be done with a large cash cushion in retirement planning, given a mix of income streams and living expenses?
The approach depends on the time horizon and risk tolerance; prioritize liquidity and a balanced mix of safe assets and diversified investments to support long-term goals, while considering the family's horizon and ongoing expenditures.
09.08.26 Ask An Advisor With Wes Moss
Q: Would you consider adding a segment like Susie Orman's 'Can I Afford It?' for couples facing big purchases, given their net worth and debt situation?
Such a segment could be engaging but would require careful framing; the host suggested that a new Can I Afford It? segment would need Clark and Krista's approval and should avoid promoting reckless overreach while still offering practical guidance.
09.08.26 Ask An Advisor With Wes Moss
Q: Could you elaborate more on the dry powder principle, specifically the consumption and replenishment of dry powder in retirement?
Dry powder acts as a safety reserve in conservative assets to cover several years of expenses during market downturns, allowing you to withdraw from cash-like assets rather than selling down stocks at depressed prices; replenishment occurs when markets perform well and rebalance back toward your target allocation.
09.01.26 Ask An Advisor With Wes Moss
Q: How would you rebalance concentrated positions in large holdings like Google, Apple, and Shopify given tax implications?
Diversify gradually, use retirement accounts to shift heavy concentrations, consider broad index exposure, and assess tax brackets and Roth conversions to manage tax impact while maintaining liquidity.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
Interests
Professions
Age Range
Household Income
Social Media Reach

Frequently Asked Questions About The Clark Howard Podcast

What is The Clark Howard Podcast about and what kind of topics does it cover?

A practical, listener-driven show focused on personal finance, consumer tips, and money-saving strategies. Across episodes, topics include savings optimization (CDs, banking traps, auto-renewals), retirement planning and the psychology of spending, insurance shifts, travel hacks, and emerging tech-enabled money management. The show blends expert guidance with real-world questions, pruning complex financial concepts into actionable steps, with sponsor messages woven in. A notable strength is its buy-what-works approach, long-running host-team dynamics, and recurring segments that tackle listener concerns, exempting politics from the core financial advice in most episodes, though audience commentary sometimes ventures into current events. Thi... more

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Which podcasts are similar to The Clark Howard Podcast?

These podcasts share a similar audience with The Clark Howard Podcast:

1. Talking Real Money - Investing Talk
2. Retire Sooner with Wes Moss
3. Your Money, Your Wealth
4. Retirement Answer Man
5. The Stacking Benjamins Show

How many episodes of The Clark Howard Podcast are there?

The Clark Howard Podcast launched 20 years ago and published 2353 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on The Clark Howard Podcast?

Recent guests on The Clark Howard Podcast include:

1. Wes Moss
2. Don McDonald
3. Don MacDonald
4. TJ Watt
5. Jonathan Clements
6. Kim Komando

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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