Latest Money & Credit

Is 65 the Best Age To Retire?
Is 65 the Best Age To Retire? Investing & Retirement October 19, 2021
ONE OF THE VERYbest financial decisions is available to almost every American worker. That’s the good news. The bad news:…
Ask Clark money column
Will I Still Get the 5.9% Increase if I Wait To Collect Social Security? Investing & Retirement October 18, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. If I Wait To…
9 Things To Do Before You Quit Your Job and Retire
9 Things To Do Before You Quit Your Job and Retire Investing & Retirement October 14, 2021
IMAGINE YOU PLANto retire next year. What can you do beforehand to gain the most later on? Here are some…
Buy now, pay later companies often offer Pay in 4 plans but can charge late fees, interest and can report late payments to credit bureaus.
Why ‘Buy Now, Pay Later’ Worries Clark Howard Money & Credit October 14, 2021
If you shop online, you've probably noticed the increasing presence of new options on the checkout pages of major retailers.…
Ask Clark money column
Why Are My Social Security Checks Delayed? Investing & Retirement October 13, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, by money expert Clark Howard. What's With My Social…
Social Security Cost-of-Living Adjustment for 2022 Is 5.9%
Social Security Cost-of-Living Adjustment for 2022 Is 5.9% Investing & Retirement October 13, 2021
The Social Security Administration (SSA) just announced a major year-over-year rise in monthly benefits for Social Security and Supplemental Security…
Klarna Review: How Does It Work?
Klarna Review: How Does It Work? Money & Credit October 12, 2021
Need to shop but want to spread out your payments? Want to sample a product you find online before deciding…
Retirement affordability
Report: Top 15 Most Affordable Places To Retire Investing & Retirement October 6, 2021
A lot of people envision retirement as a time when they can take it easy and enjoy a slower pace…
6 Things Retirees Often Overlook
6 Things Retirees Often Overlook Investing & Retirement October 5, 2021
PERSONAL FINANCEpundits love to debate safe withdrawal rates—the amount a retiree can withdraw each year from a portfolio without depleting…
Ask Clark money column
Is It Safe To Have Banking and Investing Apps on My Phone? Banks & Banking October 4, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. Is It Secure To…
Pay in 4 is PayPal's version of buy now, pay later. I'll explain how Pay in 4 works and whether it's legit.
How PayPal’s Pay in 4 Installment Plan Works Money & Credit October 4, 2021
Online shopping and "buy now, pay later" are becoming more entrenched in American consumer culture. PayPal has moved to establish…
Why You Should Ignore the Free Dinner Invitation in Your Mailbox
Why You Should Ignore the Free Dinner Invitation in Your Mailbox Investing & Retirement September 30, 2021
HOW LUCKY I WASto be the recipient of a dinner invitation to Ruth’s Chris. I love a sizzling ribeye, so…
Vanguard Is Cutting Costs of Its Target-Date Funds Soon
Vanguard Is Cutting Costs of Its Target-Date Funds Soon Investing & Retirement September 29, 2021
VANGUARD GROUPrecently announcedsignificant price cuts for its fleet of target-date retirement funds. Currently, investors can own a Vanguard target fund…
This Decision Could Increase Your Social Security Benefit by 8% Each Year
This Decision Could Increase Your Social Security Benefit by 8% Each Year Investing & Retirement September 28, 2021
“SHOULD YOU BUYan annuity from Social Security?” That’s the title of apaperreleased by Boston College’s Center for Retirement Research (CRR)…
Walmart no longer offers layaway as a payment option. Instead, it has partnered with installment loan company Affirm.
Walmart Ditches Layaway in Favor of Affirm Money & Credit September 28, 2021
Walmart will not offer layaway this year, ditching the popular interest-free payment plan in favor of Affirm. A prominent "buy…
Affirm's buy now, pay later service works with some of the nation's largest retailers.
Affirm Review: How Does It Work? Money & Credit September 27, 2021
Shopping online is more popular than ever; When COVID-19 hit the United States, millions of consumers turned to the internet…
Afterpay is a buy now, pay later service charges 0% interest.
How Does Afterpay Work? Money & Credit September 23, 2021
What if you could buy furniture, clothes or other household items by paying just 25% upfront? That's the basic premise…
3 Personal Finance Rules You Can Consider Breaking
3 Personal Finance Rules You Can Consider Breaking Money & Credit September 21, 2021
I’M NOT A RULEbreaker. In the nearly 40 years I’ve had a driver’s license, I’ve received just one traffic citation.…
financial checklist
Clark’s 5-Point Annual Checklist You Should Follow Money & Credit September 17, 2021
When is the last time you had a checkup? Not a physical checkup -- but a financial one. Just like…
retirement age sign
The Most Popular Retirement Ages Investing & Retirement September 17, 2021
At what age do you plan to retire? You may have a particular number in mind, but a recent report…
12 Horrible Investment Mistakes
12 Horrible Investment Mistakes Investing & Retirement September 14, 2021
WANT TO IMPROVEyour investment results? The deadly sins below are not only among the most serious financial transgressions, but also…
Ask Clark money column
Should I Use Different Investment Companies To Make Sure My Portfolio is Diversified? Investing & Retirement September 13, 2021
Welcome to Ask Clark, a column designed to answer your financial questions, bymoney expert Clark Howard. How Many Companies Should…
A Unique Alternative to the 4% Rule
A Unique Alternative to the 4% Rule Investing & Retirement September 10, 2021
THE MUCH-DEBATED 4% rule—which I wrote about back in July—is a popular way to think about portfolio withdrawals in retirement. But it isn’t…
Lost retirement accounts are a real problem in the United States. Here's how to track down those accounts.
How To Find Missing or Lost Retirement Accounts Investing & Retirement September 9, 2021
Americans have reportedly lost or abandoned more than $1 trillion in retirement benefits from previous employers. Fortunately, if you've misplaced…
Social Security sign
Report: 5 Things Most Americans Don’t Understand About Social Security Investing & Retirement September 9, 2021
About 70% of U.S. adults are concerned about Social Security running out of money in their lifetimes. That's according to…
6 Tips To Stop Worrying About Your Investments
6 Tips To Stop Worrying About Your Investments Investing & Retirement September 7, 2021
TODAY’S STOCK MARKETreminds me of Charles Dickens’s famous line: “It was the best of times, it was the worst of…
retirement money
Report: These Are the Biggest Retirement Fears for Americans Investing & Retirement September 3, 2021
While there’s no doubt about the emotional toll the COVID-19 pandemic has had, the financial damage has been just as…
10 Things To Consider if You Outlive Your Spouse
10 Things To Consider if You Outlive Your Spouse Money & Credit September 2, 2021
IF YOU’RE MARRIED,it’s almost certain that one of you will outlive the other—perhaps by many years. What are the financial…
10 Important Money Lessons You’ll Wish You Knew Sooner
10 Important Money Lessons You’ll Wish You Knew Sooner Money & Credit August 31, 2021
I HAVE DEVOTEDmy entire adult life to learning about money. That might sound like cruel-and-unusual punishment, but I’ve mostly enjoyed…
16 Things That Are a Total Waste of Money
16 Things That Are a Total Waste of Money Money & Credit August 26, 2021
FROM THE LOFTYperch of old age, and after a lifetime of thrift, I declare that I am qualified to comment…