Full Show: Clark Stinks! And Do Not Take The “Free” Iphone Offer | Clark Howard Video

It’s time for "Clark Stinks!" Christa reads the latest "Clark Stinks!" submissions and Clark responds. Also, wireless carriers are constantly flashing those "free phone" deals, especially around the newest iPhone launch. But before you jump on that supposed discount, Clark has a HUGE warning for you.

All this and more on the October 10, 2025, episode of The Clark Howard Show.

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00:00 - Intro
01:11 - Clark Stinks - You said to try different antennas to find one that works, but websites like antennaweb.org can tell you exactly what size antenna you need and which direction to point it. (Greg – Oregon)
02:50 - Clark Stinks - The cost of living is higher in Hawaii, but with smart spending, it’s manageable. I have no electric bill, grow my own food, and don’t need heat or A/C. You can podcast from here—just get solar and a Tesla battery! (Kevin – Hawaii)
03:56 - Clark Stinks - You said New Hampshire is about 40% cheaper than Massachusetts. That depends on which cities you compare—border towns cost nearly the same, while northern NH is cheaper. Taxes are lower, but housing and groceries might not be. (Pete – Massachusetts)
04:57 - Clark Stinks - Your advice about getting cash from ATMs abroad is good, but many charge a 10–15% markup. Where’s the best place to withdraw money in Europe without high fees? (RJ – Georgia)
08:21 - Clark Stinks - You missed something big when discussing homebuying costs—the huge HOA and CDD fees! These can rival a mortgage payment. Please warn listeners about these added costs. (Catherine – Florida)
10:37 - Clark Stinks - Love the show, but it feels scripted. How does Clark always have questions that perfectly match the topic and answers ready to go? Be honest with your listeners. (Criss – Maryland)
12:37 - Clark Stinks - Clark stinks worse than a tailgate porta-potty! The NFL may have better players, but college football offers a better fan experience—traditions, student sections, and lower ticket prices. (Justin – Illinois)
14:07 - Clark Stinks - Clark, you stink—but only a little! About that listener’s card being declined in Europe: we use debit cards more here, have strong protections, and don’t focus on “building credit.” It’s just a cultural difference. (Noelle – Alabama)
17:21 - Do NOT Take the “Free” iPhone Offer
20:35 - Ask Clark - I keep getting texts about selling a property that isn’t mine. The property has an owner with my last name and is in another county. Which government agency can help me check if this is fraud? (Blanca – Florida)
22:33 - Ask Clark - My credit score dropped from the 800s to 769 even though nothing changed. I have no debt, pay off my card monthly, and my reports are frozen. What could cause this drop? (Louise – Georgia)
25:11 - Ask Clark - I want to use my HSA as a retirement account, but I don’t like that non-medical withdrawals are taxable later. Would it make sense to reimburse myself now and boost my Roth 401(k) contributions instead? (Jared – Indiana)
27:57 - Ask Clark - I heard Christa mention football picks on a recent show. Here’s how I won my picks: I just chose the team from the place I’d rather live—and it worked! (Therese – Colorado)

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