Full Show: Clark Stinks! and Clark’s Car Buying Advice Right Now | Clark Howard Video
It’s time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Also, the vehicle market is in a tricky spot. Clark discusses how to approach car buying right now if you absolutely need a new vehicle.
All this and more on the May 16, 2025, episode of The Clark Howard Show.
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00:00 - Intro
01:21 - Clark Stinks - I switched my 401(k) contributions to Roth and suddenly stopped getting my employer match. Turns out my company (FedEx) doesn’t match Roth contributions—fine print on the last page! Others, beware. (Jill)
02:35 - Clark Stinks - You’re right that pay-in-4 schemes are bad, but no one’s financing a $9 cheeseburger. DoorDash requires a $35 minimum to split into 4, and most people already use credit cards with interest anyway. (Warren)
04:54 - Clark Stinks - You missed an easy solution for virtual credit cards from class action settlements—buy an Amazon gift card immediately and get the value that way. (Clark)
05:50 - Clark Stinks - Clark, you left out T-Mobile when praising international phone plans. I’ve used it all over with free internet and texting. Also, Fidelity has a debit card with no foreign transaction fees. (Joanne)
07:13 - Clark Stinks - You suggested part-time flying for my younger spouse’s health insurance, but that doesn’t address most small operators. And when I asked about Social Security at 60 (yes, I meant 62), you only corrected me instead of answering. (CJ)
09:12 - Clark Stinks - You once joked to leave a traditional IRA to someone you don’t like—but didn’t mention Qualified Charitable Distributions (QCDs). I plan to use my IRA for charity once I hit RMD age. (Kristin)
11:21 - Clark Stinks - You keep warning about mailing checks, but some bills only let you mail your credit card number—no phone or online option. That seems just as risky. Maybe tone it down a little. (Deborah)
14:19 - Clark’s Car-Buying Advice Right Now
20:38 - Ask Clark - Can I fight back against the $800 doc fee I’m being charged to buy out my leased car in Colorado? (Tom)
23:38 - Ask Clark - Should I carry comp and collision on my teenager-driven 2010 Tacoma, even though it’s an older truck? (Kate)
25:35 - Ask Clark - Will paying off a car loan early hurt my daughter’s credit, or is it okay to knock it out now? (Fiona)
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